2003 Saturn VUE Insurance Cost – 5 Savings Tips

Want better insurance rates for your Saturn VUE? Paying for high-priced Saturn VUE insurance can drain your savings account and force you to prioritize other expenses. Comparing price quotes is free, only takes a few minutes, and is a good way to cut your insurance bill.

There is such a variety of insurers to insure vehicles with, and even though it’s nice to have multiple companies, having more car insurance companies makes it harder to find the best rates.

Lots of discounts mean lots of savings

Car insurance is not cheap, but there are discounts available that can drop the cost substantially. A few discounts will automatically apply at the time of purchase, but some must be manually applied prior to getting the savings.

  • Clubs and Organizations – Affiliation with a civic or occupational organization could qualify you for a break when buying auto insurance on VUE insurance.
  • Sign Online – A handful of insurance companies may give you up to $50 for buying your policy on their website.
  • Discount for Good Grades – Getting good grades can get you a discount of up to 25%. Earning this discount can benefit you well after school through age 25.
  • Drivers Education – Have your child enroll in driver’s education if it’s offered in school.
  • Service Members Pay Less – Being on active duty in the military could mean lower rates.

A little note about advertised discounts, some of the credits will not apply to the overall cost of the policy. The majority will only reduce specific coverage prices like liability and collision coverage. So despite the fact that it appears it’s possible to get free car insurance, auto insurance companies aren’t that generous. But any discount will bring down your overall premium however.

Insurance companies that may offer these discounts are:

It’s a good idea to ask all companies you are considering which discounts you may be entitled to. Some discounts may not apply in your state.

How to Get Auto Insurance Comparison Quotes

There are several ways to shop for Saturn VUE auto insurance, but some are more efficient than others. You can waste hours discussing policy coverages with agents in your area, or you can utilize the internet to achieve your goal.

All the larger companies enroll in a system where prospective buyers enter their coverage request one time, and at least one company can provide price quotes based on that data. This eliminates the need for repetitive form submissions for each company.

To participate in this free quote system, click here (opens in new window).

The only drawback to comparing rates this way is buyers cannot specifically choose the providers to receive prices from. So if you prefer to pick from a list of companies to compare prices, we have a page of companies who write auto insurance in your area. View list of insurance companies.

It’s up to you how you get prices quotes, just double check that you are using apples-to-apples coverages and limits with every price quote. If you have different values for each quote it will be very difficult to decipher which rate is best. Slightly different limits may result in a large different in cost. Keep in mind that obtaining a wide range of quotes gives you a better chance of getting the best price.

Situations that might require an agent

When buying adequate coverage, there really is not a “perfect” insurance plan. Everyone’s needs are different and your policy should reflect that. Here are some questions about coverages that may help you determine if you might need an agent’s assistance.

  • Are split liability limits better than a combined single limit?
  • Does my insurance cover my expensive audio equipment?
  • Is other people’s property covered if stolen from my vehicle?
  • Am I covered by my spouse’s policy after a separation?
  • Does coverage extend to my business vehicle?
  • Which companies will insure high-risk drivers?
  • Is my trailer covered?
  • How much liability coverage do I need in my state?
  • When would I need additional glass coverage?
  • Can I afford low physical damage deductibles?

If you don’t know the answers to these questions, you may need to chat with a licensed agent. If you want to speak to an agent in your area, fill out this quick form or you can also visit this page to select a carrier

Learn about car insurance coverages for a Saturn VUE

Knowing the specifics of a car insurance policy can be of help when determining the right coverages for your vehicles. The terms used in a policy can be confusing and even agents have difficulty translating policy wording. Below you’ll find typical coverages available from car insurance companies.

Collision protection

This coverage covers damage to your VUE resulting from colliding with an object or car. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims like rolling your car, sideswiping another vehicle, scraping a guard rail and sustaining damage from a pot hole. Paying for collision coverage can be pricey, so you might think about dropping it from lower value vehicles. Drivers also have the option to increase the deductible to get cheaper collision coverage.

Comprehensive insurance

Comprehensive insurance pays for damage from a wide range of events other than collision. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things like hitting a deer, hitting a bird, theft and a tree branch falling on your vehicle. The most you can receive from a comprehensive claim is the actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Coverage for liability

Liability coverage provides protection from damage or injury you incur to people or other property that is your fault. It protects you from legal claims by others, and doesn’t cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You might see policy limits of 100/300/100 that translate to $100,000 in coverage for each person’s injuries, a limit of $300,000 in injury protection per accident, and a limit of $100,000 paid for damaged property. Alternatively, you may have a combined single limit or CSL that pays claims from the same limit without having the split limit caps.

Liability can pay for claims like repair costs for stationary objects, legal defense fees, emergency aid, court costs and loss of income. The amount of liability coverage you purchase is a decision to put some thought into, but buy as high a limit as you can afford.

Med pay and Personal Injury Protection (PIP)

Med pay and PIP coverage pay for immediate expenses for prosthetic devices, doctor visits, chiropractic care, X-ray expenses and hospital visits. They can be used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. Coverage applies to all vehicle occupants and will also cover if you are hit as a while walking down the street. Personal Injury Protection is not universally available and may carry a deductible

Uninsured/Underinsured Motorist (UM/UIM)

This coverage provides protection from other motorists when they either are underinsured or have no liability coverage at all. This coverage pays for medical payments for you and your occupants as well as your vehicle’s damage.

Since many drivers carry very low liability coverage limits, their limits can quickly be used up. So UM/UIM coverage should not be overlooked. Normally these limits are identical to your policy’s liability coverage.

Be a smart shopper

Affordable 2003 Saturn VUE insurance can be found on the web and also from your neighborhood agents, and you should be comparing both in order to have the best price selection to choose from. Some insurance companies may not provide you the ability to get quotes online and these small, regional companies work with independent agents.

We just covered some good ideas how you can compare insurance prices online. The most important thing to understand is the more quotes you get, the better your chances of lowering your rates. Drivers may discover the best price on insurance is with a smaller regional carrier. They can often insure niche markets at a lower cost as compared to the big name companies such as State Farm or Progressive.

For more information, link through to the resources below: