2009 Saturn VUE Hybrid Insurance Rates – 8 Ways to Save

Looking for the cheapest auto insurance rates for your Saturn VUE Hybrid? Do you get exhausted from trying to scrape together enough money to make your auto insurance payment? You have the same problem as millions of other drivers.

Drivers have so many insurance companies to insure vehicles with, and though it is a good thing to have a selection, it can be more challenging to adequately compare rates.

It’s a great practice to do price comparisons every six months since insurance prices are usually higher with each renewal. If you had the lowest price on VUE Hybrid insurance on your last policy you can probably find a better rate quote now. There is too much inaccurate information about auto insurance on the web, but in just a couple of minutes you can learn some great ways to slash your auto insurance rates.

Cheapest car insurance quotes

There are a variety of methods to shop for car insurance, but one way is more efficient than others. You can waste hours driving to insurance companies in your area, or you could save time and use online quoting to get the quickest rates.

Most of the best insurance companies participate in an industry program that allows shoppers to only type in their quote data once, and at least one company can provide price quotes determined by their information. This saves time by eliminating form submissions for every car insurance company.

To fill out one form to compare multiple rates now click to open in new window.

The single downside to comparing rates this way is that consumers can’t choose the providers to get pricing from. So if you want to choose specific providers to receive pricing from, we have a listing of car insurance companies in your area. Click here to view list.

The approach you take is up to you, just try to keep identical quote data with every price quote. If you are comparing differing limits then you won’t be able to make a fair rate comparison. Slightly different coverages could skew the results. And when quoting car insurance, remember that more quotes provides better odds of finding lower pricing. Not every company does prices over the internet, so you need to compare price quotes from the smaller companies as well.

Lower rate quotes by taking advantage of these eight discounts

Insurance can be prohibitively expensive, but you might already qualify for some discounts that can help lower your rates. Some discounts apply automatically at quote time, but some discounts are required to be asked about before you will receive the discount.

• Low Mileage Discounts – Fewer annual miles on your Saturn can earn lower rates due to less chance of an accident.
• Government Employee Discount – Federal government employees may qualify for a discount when you quote insurance coverage on VUE Hybrid insurance depending on your insurance coverage provider.
• Auto/Life Discount – Select companies reward you with a small discount if you purchase a life insurance policy as well.
• Safe Driver Discounts – Drivers who avoid accidents can get discounts for up to 45% lower rates on VUE Hybrid insurance compared to accident prone drivers.
• Safety Course Discount – Successfully completing a defensive driver course could save 5% or more and easily pay for the cost of the class.
• Discounts for New Vehicles – Adding a new car to your policy is cheaper because newer models have to meet stringent safety requirements.
• Multi-car Discount – Drivers who insure primary and secondary vehicles on one policy can get a discount for every vehicle.
• Own a Home – Owning a home can save you money because maintaining a house is proof of financial responsibility.

Discounts lower rates, but most discounts do not apply to all coverage premiums. Most only reduce the cost of specific coverages such as comp or med pay. Despite the fact that it seems like it’s possible to get free car insurance, company stockholders wouldn’t be very happy.

Popular insurance coverage companies and their possible discounts are outlined below.

• Farm Bureau offers discounts including renewal discount, safe driver, multi-vehicle, driver training, and good student.
• State Farm may include discounts for student away at school, multiple autos, accident-free, passive restraint, Steer Clear safe driver discount, defensive driving training, and driver’s education.
• Progressive policyholders can earn discounts including multi-policy, homeowner, continuous coverage, multi-vehicle, good student, online quote discount, and online signing.
• Allstate has discounts for premier discount, good payer, early signing, eSmart discount, good student, and safe driver.
• Nationwide offers premium reductions for anti-theft, defensive driving, easy pay, multi-policy, Farm Bureau membership, and accident-free.
• MetLife offers discounts for multi-policy, defensive driver, accident-free, claim-free, good student, and good driver.

It’s a good idea to ask every prospective company how many discounts you can get. Some credits may not apply to policyholders in every state. To see insurers who offer online insurance coverage quotes, click here.

How much car insurance do I need?

When it comes to choosing the right insurance coverage for your personal vehicles, there isn’t really a cookie cutter policy. Every situation is different so your insurance should reflect that For example, these questions can help discover whether or not you would benefit from an agent’s advice.

• What if I owe more than I can insure my car for?
• Do I need replacement cost coverage?
• Is my trailer covered?
• Will I lose any money if I cancel my policy before it expires?
• Are there companies who specialize in insuring high-risk drivers?
• Is my Saturn VUE Hybrid covered if I use it for business?

If you’re not sure about those questions but you know they apply to you then you might want to talk to a licensed insurance agent. If you don’t have a local agent, fill out this quick form or you can go here for a list of companies in your area.

Insurance coverage options for a Saturn VUE Hybrid

Having a good grasp of insurance aids in choosing appropriate coverage for your vehicles. The coverage terms in a policy can be ambiguous and coverage can change by endorsement. Shown next are the normal coverages available from insurance companies.

Coverage for medical payments – Personal Injury Protection (PIP) and medical payments coverage kick in for immediate expenses for nursing services, dental work and doctor visits. They are often used to cover expenses not covered by your health insurance program or if you do not have health coverage. They cover not only the driver but also the vehicle occupants and will also cover being hit by a car walking across the street. Personal Injury Protection is not available in all states and may carry a deductible

Collision coverage – Collision coverage pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You will need to pay your deductible then your collision coverage will kick in.

Collision can pay for claims such as backing into a parked car, hitting a parking meter, colliding with another moving vehicle and colliding with a tree. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are older. You can also bump up the deductible to get cheaper collision coverage.

Comprehensive coverages – Comprehensive insurance pays to fix your vehicle from damage that is not covered by collision coverage. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive insurance covers things such as falling objects, a broken windshield, hitting a bird and theft. The maximum payout you’ll receive from a claim is the ACV or actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Uninsured and underinsured coverage – Your UM/UIM coverage protects you and your vehicle’s occupants when other motorists do not carry enough liability coverage. It can pay for medical payments for you and your occupants and damage to your Saturn VUE Hybrid.

Because many people only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is a good idea.

Coverage for liability – Liability coverage can cover injuries or damage you cause to a person or their property in an accident. This coverage protects you against other people’s claims. Liability doesn’t cover damage sustained by your vehicle in an accident.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have liability limits of 100/300/100 that translate to a $100,000 limit per person for injuries, a total of $300,000 of bodily injury coverage per accident, and property damage coverage for $100,000.

Liability insurance covers things such as repair bills for other people’s vehicles, court costs and pain and suffering. The amount of liability coverage you purchase is a personal decision, but buy as much as you can afford.