2004 Saturn VUE Car Insurance Quotes

Searching for cheaper insurance coverage rates for your Saturn VUE? No one likes paying for insurance coverage, particularly when their premiums are too high. Many insurers compete to insure your vehicles, and it can be difficult to compare rates and get the best coverage at the lowest rate

Consumers need to do rate comparisons yearly because rates are variable and change quite frequently. Even if you think you had the best deal for VUE coverage six months ago there may be better deals available now. So just forget anything you know (or think you know) about insurance coverage because you’re about to learn one of the best ways to lower your annual insurance bill.

If you have a current car insurance policy or need a new policy, you will benefit by learning to reduce the price you pay and still get good coverage. Finding affordable coverage is quite easy. Drivers just need to learn the most effective way to get comparison quotes online.

Vehicle Insurance Comparison

Getting a lower price on 2004 Saturn VUE insurance is not rocket science. Consumers just need to take a few minutes comparing rate quotes provided by online insurance companies. It is quite easy and can be accomplished in several different ways.

  • The best way consumers can make multiple comparisons is an all-inclusive rate comparison (click to open form in new window). This type of form saves time by eliminating separate quotes to each individual car insurance company. Completing one form gets you price quotes instantly.
  • Another way to find lower rates is to take the time to go to each individual company website to complete a price quote. For instance, we’ll pretend you want to compare USAA, Geico and Farmers. To find out each rate you need to take the time to go to each site and enter your policy data, which is why the first method is more popular. To view a list of companies in your area, click here.

It’s your choice how you get your quotes, but be sure to compare exactly the same coverage limits for every quote you compare. If you enter different deductibles you can’t possibly make a fair comparison for your Saturn VUE.

Saturn VUE premiums are determined by many factors

An important part of buying insurance is that you know the factors that help determine the price you pay for insurance coverage. Having a good understanding of what influences your rates helps enable you to make changes that could result in better insurance coverage rates.

  • Save money with special equipment – Purchasing a vehicle that has an advanced theft prevention system can save you a little every year. Anti-theft devices such as GM’s OnStar, tamper alarm systems and vehicle immobilizers all aid in stopping auto theft.
  • Multi-policy discounts can save money – Most companies will award you with lower prices to people who have multiple policies with them, otherwise known as a multi-policy discount. If you currently are using one company, it’s still a good idea to comparison shop to confirm you are receiving the best rates possible. You may still be able to find better rates by buying insurance coverage from a different company.
  • How credit affects insurance coverage rates – Having a bad credit score is a big factor in determining what you pay for insurance coverage. Drivers with good credit tend to file fewer claims and have better driving records than drivers who have lower credit scores. So if your credit is low, you could potentially save money when insuring your 2004 Saturn VUE by repairing your credit.
  • Cautious drivers pay less – Only having one speeding ticket can boost insurance rates twenty percent or more. Careful drivers receive lower rates than people who have multiple driving citations. Drivers with severe tickets such as reckless driving, hit and run or driving under the influence are required to file a proof of financial responsibility form (SR-22) with the DMV in their state in order to drive a vehicle legally.
  • Your stress level may be raising your rates – Did you know your insurance coverage rates can be affected by your occupation? Occupations like judges, architects and accountants tend to pay higher rates than average attributed to stressful work requirements and long work days. On the flip side, jobs such as pilots, athletes and homemakers have the lowest average rates for VUE coverage.
  • Women pay lower rates – The statistics show that men are more aggressive behind the wheel. Now that doesn’t mean women are better drivers. Both sexes tend to get into accidents at about the same rate, but the male of the species tend to have more serious accidents. Men also tend to have more aggressive citations such as DWI and reckless driving.

Don’t miss these discounts

Properly insuring your vehicles can get expensive, but there could be available discounts that you may not know about. Some trigger automatically at the time of purchase, but a few need to be inquired about in order for you to get them. If you don’t get every credit you deserve, you are throwing money away.

  • No Accidents – Claim-free drivers pay less compared to bad drivers.
  • Memberships – Being a member of a qualifying organization could trigger savings on insurance coverage for VUE coverage.
  • Anti-theft Discount – Anti-theft and alarm systems help deter theft and will save you 10% or more.
  • Drive Less and Save – Low mileage vehicles could qualify for better rates on cars that stay parked.
  • Passive Restraints – Cars that have air bags and/or automatic seat belt systems can get savings of up to 25% or more.
  • Safe Driver Discount – Safe drivers may save up to 50% more for VUE coverage than less cautious drivers.
  • More Vehicles More Savings – Having multiple cars or trucks on one policy can get a discount on all vehicles.
  • Federal Employees – Simply working for the federal government could cut as much as 10% off for VUE coverage with a few insurance coverage companies.
  • No Charge for an Accident – Some insurance companies permit an accident without raising rates so long as you haven’t had any claims for a particular time prior to the accident.

Consumers should know that many deductions do not apply to the entire policy premium. Some only reduce individual premiums such as physical damage coverage or medical payments. So even though they make it sound like having all the discounts means you get insurance for free, companies don’t profit that way. But any discount will bring down the cost of coverage.

A partial list of companies that possibly offer some of the above discounts include:

It’s a good idea to ask each insurance company how you can save money. All car insurance discounts might not be offered everywhere.

When might I need help?

When buying coverage, there really is not a single plan that fits everyone. Everyone’s situation is unique and a cookie cutter policy won’t apply. For instance, these questions might point out whether your personal situation would benefit from an agent’s advice.

  • What is covered by UM/UIM coverage?
  • Does coverage extend to a rental car in a foreign country?
  • Where can I find high-risk insurance?
  • Does coverage extend to Mexico or Canada?
  • Does my insurance cover my expensive audio equipment?
  • Why does it cost so much to insure a teen driver?
  • Do I need motorclub coverage?

If you’re not sure about those questions but a few of them apply, then you may want to think about talking to a licensed agent. If you want to speak to an agent in your area, complete this form or you can also visit this page to select a carrier It’s fast, doesn’t cost anything and can provide invaluable advice.

Parts of your auto insurance policy

Learning about specific coverages of a auto insurance policy can be of help when determining appropriate coverage and proper limits and deductibles. Policy terminology can be ambiguous and nobody wants to actually read their policy. Listed below are the usual coverages available from auto insurance companies.

Comprehensive coverage (or Other than Collision) – Comprehensive insurance covers damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims such as damage from getting keyed, fire damage and falling objects. The most you’ll receive from a claim is the cash value of the vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Insurance for medical payments – Coverage for medical payments and/or PIP pay for bills such as nursing services, rehabilitation expenses, EMT expenses, prosthetic devices and doctor visits. They can be used in conjunction with a health insurance plan or if there is no health insurance coverage. It covers all vehicle occupants in addition to getting struck while a pedestrian. Personal Injury Protection is only offered in select states and may carry a deductible

Collision coverages – This coverage pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims like scraping a guard rail, backing into a parked car, hitting a mailbox, sideswiping another vehicle and rolling your car. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are older. Drivers also have the option to increase the deductible to bring the cost down.

Uninsured Motorist or Underinsured Motorist insurance – This protects you and your vehicle’s occupants when the “other guys” are uninsured or don’t have enough coverage. Covered claims include medical payments for you and your occupants and damage to your Saturn VUE.

Since a lot of drivers only carry the minimum required liability limits, their limits can quickly be used up. So UM/UIM coverage should not be overlooked. Frequently the UM/UIM limits are similar to your liability insurance amounts.

Liability coverages – Liability coverage will cover damage or injury you incur to other people or property. It protects you from claims by other people. It does not cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have policy limits of 50/100/50 that translate to $50,000 bodily injury coverage, a total of $100,000 of bodily injury coverage per accident, and a limit of $50,000 paid for damaged property. Alternatively, you may have one number which is a combined single limit that pays claims from the same limit rather than limiting it on a per person basis.

Liability can pay for claims like medical services, bail bonds, medical expenses and emergency aid. The amount of liability coverage you purchase is a personal decision, but it’s cheap coverage so purchase as much as you can afford.

Pennies from heaven

Cheaper 2004 Saturn VUE insurance can be found online and also from your neighborhood agents, and you should compare price quotes from both in order to have the best price selection to choose from. Some car insurance companies may not provide you the ability to get quotes online and usually these small insurance companies provide coverage only through local independent agents.

As you prepare to switch companies, do not reduce coverage to reduce premium. In too many instances, an insured dropped liability limits or collision coverage only to regret that saving that couple of dollars actually costed them tens of thousands. Your aim should be to purchase plenty of coverage for the lowest price, not the least amount of coverage.

Additional detailed information is located by following these links: