2008 Saturn VUE Hybrid Insurance Cost – 8 Tips for Cheapest Prices

Want cheaper insurance coverage rates for your Saturn VUE Hybrid? Consumers who are new to the process of shopping for insurance online may find finding the cheapest insurance coverage is more work than they anticipated.

You should make it a habit to compare prices once or twice a year since insurance rates are constantly changing. Just because you had the lowest rates on VUE Hybrid coverage a year ago you may be paying too much now. Ignore everything you know about insurance coverage because you’re about to learn the fastest way to find great coverage at a great price.

The best way we recommend to compare rates is to take advantage of the fact car insurance companies allow for online access to give rate comparisons. To begin a comparison, all you need to do is provide a small amount of information such as your education level, coverage limits, whether your vehicle is owned or leased, and any included safety features. Your details is automatically sent to insurance carriers in your area and they provide comparison quotes very quickly.

Discounts mean cheaper Saturn VUE Hybrid insurance rates

Insuring your fleet can be pricey, but there are discounts available to help bring down the price. Most are applied when you complete an application, but lesser-known reductions have to be specially asked for before being credited.

  • One Accident Forgiven – A few companies permit an accident before raising your premiums if you are claim-free for a certain period of time.
  • Distant Student – Youth drivers who are attending college and do not have access to a covered vehicle may be able to be covered for less.
  • Low Mileage Discounts – Low mileage vehicles can earn lower rates on the low mileage vehicles.
  • Multiple Policy Discount – If you have multiple policies with one company you may save up to 20% off your total premium.
  • Early Signing – Some companies give discounts for switching to them before your current expiration date. This can save 10% or more.
  • Student Driver Training – Cut your cost by having your teen driver successfully complete driver’s ed class in school.
  • Seat Belt Usage – Drivers who require all occupants to wear their seat belts can save 10% or more off your medical payments premium.
  • Discount for Life Insurance – Some companies give better rates if you take out a life insurance policy as well.

Consumers should know that some credits don’t apply to the entire policy premium. Some only reduce individual premiums such as comprehensive or collision. So even though they make it sound like all the discounts add up to a free policy, you’re out of luck. Any qualifying discounts will help reduce your premiums.

Companies who might offer some of the above discounts are:

Before buying, ask each insurance company how you can save money. Discounts might not be offered in your area.

Tailor your coverage to you

When it comes to choosing adequate coverage for your personal vehicles, there really is not a single plan that fits everyone. Everyone’s situation is unique.

For example, these questions might help in determining whether or not you could use an agent’s help.

  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • Should I have combined single limit or split liability limits?
  • Is my teenager covered with friends in the car?
  • Is my cargo covered for damage or theft?
  • Can I get a multi-policy discount?
  • Is my vehicle covered by my employer’s policy when using it for work?
  • Should I waive the damage coverage when renting a car?

If you don’t know the answers to these questions but one or more may apply to you then you might want to talk to a licensed agent. To find an agent in your area, simply complete this short form.

Car insurance coverages and their meanings

Learning about specific coverages of car insurance aids in choosing the right coverages at the best deductibles and correct limits. Car insurance terms can be impossible to understand and reading a policy is terribly boring.

Collision coverage protection

Collision coverage pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. A deductible applies then the remaining damage will be paid by your insurance company.

Collision insurance covers things like sideswiping another vehicle, colliding with a tree, hitting a mailbox, driving through your garage door and damaging your car on a curb. Collision is rather expensive coverage, so consider removing coverage from vehicles that are 8 years or older. You can also increase the deductible to save money on collision insurance.

Comprehensive insurance

Comprehensive insurance coverage will pay to fix damage from a wide range of events other than collision. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things like a tree branch falling on your vehicle, theft, vandalism and hitting a deer. The maximum amount your car insurance company will pay is the actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Med pay and Personal Injury Protection (PIP)

Coverage for medical payments and/or PIP kick in for bills like chiropractic care, EMT expenses and doctor visits. They can be used in conjunction with a health insurance policy or if you do not have health coverage. They cover all vehicle occupants as well as getting struck while a pedestrian. PIP coverage is only offered in select states and may carry a deductible

Uninsured/Underinsured Motorist (UM/UIM)

This coverage provides protection when the “other guys” are uninsured or don’t have enough coverage. Covered losses include injuries to you and your family and damage to your Saturn VUE Hybrid.

Because many people carry very low liability coverage limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Normally these limits are similar to your liability insurance amounts.

Auto liability

Liability insurance can cover damage or injury you incur to other people or property by causing an accident. This insurance protects YOU against claims from other people. It does not cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see limits of 100/300/100 that translate to $100,000 bodily injury coverage, a per accident bodily injury limit of $300,000, and property damage coverage for $100,000. Another option is a combined limit that pays claims from the same limit with no separate limits for injury or property damage.

Liability insurance covers claims like loss of income, attorney fees, funeral expenses and court costs. How much coverage you buy is your choice, but consider buying as much as you can afford.