2007 Saturn VUE Insurance Quotes – 7 Savings Tips

Pretty sure you bought high-priced insurance? Trust us, many consumers are feeling buyer’s remorse and feel like there’s no way out.

Popular companies such as State Farm, Farmers Insurance, Geico and Allstate increase brand awareness with catchy ads and it can be hard to ignore the propoganda and find the best price available.

If you currently have a car insurance policy, you will be able to cut costs considerably using this strategy. Choosing the best insurance company for you is quite easy. But car owners can benefit from knowing the way companies sell insurance online because it can help you find the best coverage.

Seven discounts for cheaper car insurance rates

Car insurance companies don’t always list every available discount in an easy-to-find place, so we researched some of the more common and the more hidden credits available to you.

• Service Members Pay Less – Having a deployed family member could trigger a small discount.
• Student Driver Training – Have your child enroll and complete driver’s education as it will make them better drivers and lower rates.
• Smart Student Discounts – Performing well in school can save 20 to 25%. The discount lasts up until you turn 25.
• First Accident Forgiveness – This isn’t a discount exactly, but some insurance companies will let one accident slide before raising your premiums if you have no claims for a particular time prior to the accident.
• Telematics Data Discounts – Insureds that choose to allow driving data collection to scrutinize vehicle usage remotely such as Drivewise from Allstate or Snapshot from Progressive could possibly reduce rates as long as the data is positive.
• Professional Organizations – Joining a professional or civic organization could trigger savings on your next renewal.
• Federal Government Employee – Active or retired federal employment may qualify for a discount when you quote car insurance for VUE coverage with certain companies.

Discounts save money, but please remember that most discount credits are not given to all coverage premiums. Some only reduce the cost of specific coverages such as liability, collision or medical payments. Even though the math looks like it’s possible to get free car insurance, you won’t be that lucky.

The best car insurance companies and some of the premium reductions they offer are outlined below.

• State Farm may offer discounts for multiple autos, defensive driving training, good driver, safe vehicle, student away at school, and passive restraint.
• Geico offers discounts for membership and employees, multi-vehicle, federal employee, anti-lock brakes, multi-policy, daytime running lights, and defensive driver.
• Allstate policyholders can earn discounts including safe driver, auto/life discount, new car, senior citizen, and 55 and retired.
• SAFECO discounts include teen safe driver, bundle discounts, anti-lock brakes, multi-car, safe driver, and accident prevention training.
• Farm Bureau may include discounts for safe driver, good student, renewal discount, youthful driver, multi-policy, and 55 and retired.
• Progressive has savings for multi-policy, continuous coverage, good student, online quote discount, online signing, homeowner, and multi-vehicle.
• AAA may have discounts that include good driver, pay-in-full, education and occupation, AAA membership discount, and multi-policy.

If you are trying to find affordable car insurance quotes, ask all companies you are considering which discounts they offer. A few discounts might not be offered on policies everywhere.

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You may need specialized auto insurance coverage

When choosing proper insurance coverage, there isn’t really a “perfect” insurance plan. Coverage needs to be tailored to your specific needs so this has to be addressed. For instance, these questions can aid in determining whether you may require specific advice.

• Should I carry comprehensive and collision coverage?
• Do I pay less for low miles?
• What if I owe more than I can insure my car for?
• Are all vehicle passengers covered by medical payments coverage?
• Do I really need UM/UIM coverage?
• How do I file an SR-22 for a DUI in my state?
• What vehicles should carry emergency assistance coverage?
• Who is covered when they drive my 2007 Saturn VUE?
• Does coverage extend to Mexico or Canada?

If you’re not sure about those questions but a few of them apply, you might consider talking to a licensed agent. If you don’t have a local agent, take a second and complete this form or you can also visit this page to select a carrier

Buyer beware of insurance coverage advertising tricks

Insurance coverage companies such as 21st Century, Allstate and State Farm seem to constantly run television and radio advertisements. They all say the same thing that people will save if you get a free car insurance quote and switch your policy. How do they all charge lower premium rates? This is how they do it.

Insurance companies offer their best rates for the type of driver that is profitable for them. For example, a desirable risk might have to be between the ages of 30 and 50, has no driving citations, and has great credit. Any person who matches those parameters will qualify for the lowest premium rates and therefore will save if they switch.

Insureds who fall short of those criteria will probably be forced to pay higher prices and this results in business not being written. The ad wording is “people that switch” but not “everyone who gets a quote” can get the lowest rates when switching. That’s the way companies can truthfully advertise the way they do. This illustrates why you should do a quote comparison often. It’s not possible to predict which insurance companies will have the best premium rates.

Auto insurance 101

Understanding the coverages of insurance aids in choosing the right coverages and proper limits and deductibles. Policy terminology can be confusing and coverage can change by endorsement. Below you’ll find typical coverage types offered by insurance companies.

Insurance for medical payments

Med pay and PIP coverage kick in for bills for things like surgery, nursing services, X-ray expenses, rehabilitation expenses and dental work. They are often utilized in addition to your health insurance plan or if you do not have health coverage. They cover both the driver and occupants and also covers any family member struck as a pedestrian. Personal injury protection coverage is not universally available but can be used in place of medical payments coverage

Uninsured Motorist or Underinsured Motorist insurance

Uninsured or Underinsured Motorist coverage gives you protection when the “other guys” are uninsured or don’t have enough coverage. Covered claims include medical payments for you and your occupants as well as damage to your Saturn VUE.

Since a lot of drivers only purchase the least amount of liability that is required, their limits can quickly be used up. So UM/UIM coverage is very important.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance pays to fix your vehicle from damage that is not covered by collision coverage. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things like fire damage, rock chips in glass, damage from a tornado or hurricane, hitting a deer and damage from getting keyed. The maximum amount you can receive from a comprehensive claim is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Collision protection

Collision insurance covers damage to your VUE caused by collision with a stationary object or other vehicle. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers claims like crashing into a building, damaging your car on a curb, hitting a mailbox and sustaining damage from a pot hole. Collision is rather expensive coverage, so consider removing coverage from vehicles that are older. Another option is to increase the deductible in order to get cheaper collision rates.

Liability car insurance

Liability coverage provides protection from damage that occurs to other’s property or people by causing an accident. This insurance protects YOU from claims by other people. Liability doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see policy limits of 100/300/100 which means a $100,000 limit per person for injuries, a per accident bodily injury limit of $300,000, and property damage coverage for $100,000.

Liability insurance covers claims like pain and suffering, funeral expenses, structural damage, bail bonds and medical expenses. How much liability coverage do you need? That is a personal decision, but you should buy as much as you can afford.

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Make a quick buck

When you buy car insurance online, don’t be tempted to buy lower coverage limits just to save a few bucks. There have been many situations where someone dropped liability limits or collision coverage and found out when filing a claim that the few dollars in savings costed them thousands. Your objective should be to buy a smart amount of coverage for the lowest price, but don’t skip important coverages to save money.

We covered many ideas to save on 2007 Saturn VUE insurance. The key thing to remember is the more times you quote, the more likely it is that you will get a better rate. Drivers may discover the lowest auto insurance rates are with a small local company. They may only write in your state and offer lower premium rates than their larger competitors like State Farm or Progressive.

Some insurance companies do not provide rate quotes online and most of the time these regional carriers prefer to sell through local independent agents. Cheaper 2007 Saturn VUE insurance is possible from both online companies and also from your neighborhood agents, and you should be comparing both in order to have the best chance of saving money.

Much more information about car insurance can be read at these links:

• State Laws for Cellphones and Texting (iihs.org)
• Where can I buy Insurance? (Insurance Information Insitute)
• Winter Driving (Insurance Information Insitute)
• How Can I Save Money on Auto Insurance? (Insurance Information Insitute)
• Tools for Teen Driving Safety (State Farm)
• Learn About Car Insurance (Geico)

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