Car Insurance Quotes for a Saturn VUE in Philadelphia

Are you sick and tired of being strong-armed to keep your car insured? You are in the same boat as most other consumers in Pennsylvania.

A recent auto insurance study discovered that the vast majority of drivers have been with the same company for at least the last four years, and approximately 40% of consumers have never compared rates to find cheap insurance. Pennsylvania drivers could save an average of about $700 each year, but most undervalue the big savings they would realize if they switch to a new company.

Having so many insurance providers from which to choose, it is very difficult to choose the most affordable insurance company.

Locating the best rates in Philadelphia is much easier if you know where to start. If you have coverage now, you should be able to lower your rates using the techniques covered below. But Pennsylvania consumers need to learn how companies sell online because rates fluctuate considerably.

To get the cheapest Saturn VUE rate quotes, there a variety of ways of comparing rates from local Philadelphia auto insurance companies. The easiest way to comparison shop is to jump online and get quotes.

It’s so simple to compare auto insurance price quotes online takes the place of having to waste gas driving to different agent offices. Comparing Saturn VUE insurance rates online eliminates the need for an insurance agent unless you want the guidance of an agent trained in personal lines coverage. Although you can obtain prices from the web but buy the policy through an agent. It’s important to know that comparing a wide range of rates will improve the odds of getting more affordable rates. Not every company does Philadelphia VUE insurance quotes over the internet, so you also need to get prices from them, too.

The companies shown below can provide free quotes in Philadelphia, PA. If multiple companies are shown, we suggest you click on several of them in order to get a fair rate comparison.

Slash rates with these discounts on Saturn VUE insurance in Philadelphia

Auto insurance is easily one of your largest bills, but discounts can save money and there are some available to cut the cost considerably. Certain discounts will be triggered automatically at the time of quoting, but less common discounts must be specifically requested prior to getting the savings. If you do not check that you are getting every discount you qualify for, you may be paying too high a price.

• Sign Early and Save – A few companies allow discounts for switching policies before your current expiration date. It’s a savings of about 10%.
• Claim-Free Discount – Philadelphia drivers who stay claim-free can save substantially when compared with drivers who are more careless.
• Student Discount for Driver Training – It’s a good idea to have your young drivers participate in a local driver’s education class in school.
• Save with More Vehicles Insured – Buying insurance for multiple cars or trucks on the same auto insurance policy qualifies for this discount.
• E-sign – A handful of companies will give a small break for buying your policy online.
• New Vehicle Savings – Buying a new car model is cheaper due to better safety requirements for new vehicles.

A quick disclaimer, most discounts do not apply to the entire policy premium. Most only reduce specific coverage prices like liability and collision coverage. So despite the fact that it appears adding up those discounts means a free policy, you won’t be that lucky.

The chart below visualizes the comparison of Saturn VUE insurance costs with and without discounts applied to the premium. The premiums are based on a female driver, no claims or violations, Pennsylvania state minimum liability limits, comp and collision included, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, multi-car, safe-driver, marriage, claim-free, and homeowner discounts applied.

Some of the larger companies that may offer policyholders these money-saving discounts are:

• American Family
• Nationwide
• MetLife
• 21st Century
• Farmers Insurance
• Allstate

If you are trying to find low cost Philadelphia car insurance quotes, ask every prospective company to give you their best rates. Some discounts listed above may not apply everywhere. For a list of companies that offer some of these discounts in Pennsylvania, click this link.

Auto insurance analysis for a Saturn VUE

The coverage information shown below outlines estimates of rate quotes for Saturn VUE models. Learning more about how prices are calculated is important for drivers to make smart choices when buying a policy.

Data assumes married female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Pennsylvania minimum liability limits. Discounts applied include homeowner, multi-policy, claim-free, safe-driver, and multi-vehicle. Rate information does not factor in Philadelphia location which can modify coverage prices greatly.

Physical damage deductibles

When buying auto insurance, a common question is what deductibles to buy. The figures shown below can help you visualize the difference in cost between high and low coverage deductibles. The first data set uses a $100 deductible for comprehensive and collision coverage and the second price grid uses a $500 deductible.

Above prices assume married male driver age 30, no speeding tickets, no at-fault accidents, and Pennsylvania minimum liability limits. Discounts applied include multi-vehicle, safe-driver, multi-policy, homeowner, and claim-free. Information does not factor in your specific Philadelphia location which can raise or lower insurance rates greatly.

Using the data above, we can ascertain that using a $100 deductible will cost in the ballpark of $23 more each month or $276 annually than opting for the higher $500 deductible. Because you would pay $400 more out-of-pocket with a $500 deductible as compared to a $100 deductible, if you normally average more than 17 months between claim filings, you would probably be better off if you elect the higher deductible. Here’s the way this calculation is made.

An important sidenote is that increasing deductibles to save money means you will have to pay more out-of-pocket when you file a claim. That will necessitate enough extra money in the event you have to pay the deductible to have repairs made.

The example below illustrates how your deductible choice and can change Saturn VUE annual premium costs for different categories of driver ages. The data assumes a married female driver, comp and collision included, and no policy discounts are applied.

Saturn VUE insurance rates by age and gender

The illustration below shows the difference between Saturn VUE car insurance costs for male and female drivers. Data assumes no tickets, no at-fault accidents, full coverage, $500 deductibles, drivers are not married, and no discounts are factored in.

Rate comparison of full coverage and liability-only

The example below visualizes the comparison of Saturn VUE annual premium costs with liability coverage only compared to full coverage. The data assumes a clean driving record, no claims, $100 deductibles, drivers are single, and no other discounts are factored in.

When to stop buying comprehensive and collision coverage

There is no exact formula to exclude full coverage, but there is a guideline you can consider. If the annual cost of comprehensive and collision coverage is about 10% or more of any settlement you would receive from your insurance company, then it may be the right time to buy liability only.

For example, let’s pretend your Saturn VUE replacement cost is $8,000 and you have $1,000 policy deductibles. If your vehicle is damaged in an accident, the most your company will settle for is $7,000 after paying your deductible. If you are currently paying more than $700 a year for comprehensive and collision coverage, then you might consider buying liability only.

There are some cases where buying only liability insurance is not a good plan. If you have an outstanding loan on your vehicle, you have to carry full coverage in order to satisfy the requirements of the loan. Also, if you cannot afford to purchase a different vehicle in the even your car is totaled, you should not opt for liability only.

Comparing prices from local Philadelphia insurance agents

A small number of people just want to buy from a local agent and doing so can bring peace of mind One of the best bonuses of comparing auto insurance online is the fact that you can find cheaper prices but also keep your business local.

To help locate an agent, after submitting this quick form, the coverage information is sent to local insurance agents that can give you free Philadelphia car insurance quotes for your auto insurance coverage. You won’t even need to visit any agencies since rate quotes are delivered straight to your inbox. Get lower rates without a big time investment. If you need to get a rate quote from a specific company, just search and find their rate quote page and give them your coverage information.

Finding a good insurer requires more thought than just the premium amount. A good agent in Philadelphia will have answers to these questions.

• Is assistance available after office hours?
• Do they see any coverage gaps in your plan?
• What discounts might you be missing?
• Do they get paid more for recommending certain coverages?
• Can you use your own choice of collision repair facility?

Shown below is a list of auto insurance companies in Philadelphia that can give you price quote information for Saturn VUE insurance in Philadelphia.

View more agents

It’s not one size fits all

Always remember that when buying proper insurance coverage for your vehicles, there isn’t really a one size fits all plan. You are unique and your auto insurance should unique, too.
Here are some questions about coverages that may help highlight whether you might need professional guidance.

• Is a new car covered when I drive it off the dealer lot?
• Is my business laptop covered if it gets stolen from my vehicle?
• Should I drop comprehensive coverage on older vehicles?
• Am I better off with higher deductibles on my Saturn VUE?
• Should I have combined single limit or split liability limits?
• Is borrowed equipment or tools covered if stolen or damaged?
• I don’t drive much so do I pay less?
• Do I have coverage if I rent a car in Mexico?
• I have good health insurance, so how much medical payments coverage do I need?

If you’re not sure about those questions but one or more may apply to you then you might want to talk to a licensed agent. If you want to speak to an agent in your area, simply complete this short form or you can also visit this page to select a carrier

You Can Change Your Insurance Prices

Part of the insurance buying process is learning the rating factors that come into play when calculating the level of your policy premiums. If you understand what impacts premium levels, this allows you to make educated decisions that could help you find better insurance rates. Many things are considered when you quote your car insurance policy. Some are obvious like a motor vehicle report, but some are not as apparent like where you live or how safe your car is.

• Do you really need roadside assistance? – Insurance policies have a lot of extra bells and whistles that sound like a good idea at the time when buying insurance. Insurance for things like personal injury protection, death and dismemberment, and membership fees are probably not needed. The coverages may be enticing at first, but if you have no use for them consider taking them off your policy.
• Do you qualify for a multi-policy discount? – Lots of companies will award a discount to buyers who buy several policies from them. It’s known as a multi-policy discount. Even though this discount sounds good, it’s still a good idea to shop around to confirm you are receiving the best rates possible. Drivers may still find better rates even if you insure with multiple companies
• Liability limits should be high – Your policy’s liability coverage will provide protection if ever a jury decides you are liable for physical damage or personal injury to other. It provides you with a defense in court which can cost a lot. This coverage is relatively inexpensive when compared with rates for comp and collision, so drivers should carry high limits.
• Raising deductibles saves money – Coverage for physical damage, also called comprehensive and collision insurance, is used to repair damage to your Saturn. A few examples of covered claims are a broken side mirror, hail damage, and damage caused by flying debris. Comprehensive and collision coverage deductibles represent how much money you are required to spend if the claim is covered. The larger the amount you are required to pay out-of-pocket, the bigger discount you will receive.

• Avoid tickets and save – Having a clean driving record can have a huge impact on auto insurance premiums. Having a single moving violation can bump up the cost by as much as thirty percent. Careful drivers pay less for auto insurance as compared to those with violations. Drivers who have serious violations such as DUI or reckless driving may be required to file a SR-22 to the state department of motor vehicles in order to legally drive.

  The diagram below demonstrates how speeding tickets and at-fault accidents can affect Saturn VUE insurance costs for different age groups of insureds. The data assumes a single female driver, full physical damage coverage, $100 deductibles, and no additional discounts are factored in.

• Improve your credit history and save – Your credit score will be a significant factor in determining what you pay for insurance. Drivers who have very high credit ratings tend to file fewer claims and have better driving records than those with lower ratings. If your credit rating can use some improvement, you could potentially save money when insuring your Saturn VUE if you clean up your credit.
• Reduce prices by driving cars with good safety ratings – Vehicles with high crash test scores get lower rates. Safe vehicles help reduce the chance of injuries in an accident and fewer serious injuries means lower claim amounts which can result in lower premiums. If your Saturn VUE has ratings of a minimum an “acceptable” rating on the Insurance Institute for Highway Safety website you may qualify for a discount.
• Pleasure use saves money – Driving more miles annually the higher your rate. Almost all companies charge rates based upon how you use the vehicle. Autos used primarily for pleasure use can be on a lower rate level than vehicles that are driven to work every day. Double check that your insurance declarations sheet reflects the proper vehicle usage, because it can save money. Having the wrong rating on your VUE may be costing you.

Why you need to buy car insurance

Despite the high cost, buying car insurance is required by state law in Pennsylvania and it also provides benefits you may not be aware of.

• The majority of states have mandatory insurance requirements which means state laws require a minimum amount of liability insurance coverage in order to drive the car legally. In Pennsylvania these limits are 15/30/5 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.
• If you have a loan on your VUE, almost every bank will make it a condition of the loan that you buy full coverage to guarantee loan repayment. If you cancel or allow the policy to lapse, the bank may insure your Saturn for a much higher rate and require you to reimburse them a much higher amount than you were paying before.
• Insurance safeguards your Saturn VUE and your assets. It also can pay for hospital and medical expenses for both you and anyone you injure as the result of an accident. Liability coverage will also pay for a defense attorney if you are sued as the result of your driving. If your car is damaged in a storm or accident, your car insurance policy will cover the damage repairs after a deductible is paid.

The benefits of insuring your car are without a doubt worth the cost, specifically if you ever have a liability claim. An average driver in America is wasting up to $855 a year so you should quote rates once a year at a minimum to save money.

The best insurance company isn’t always the cheapest

Some insurance companies don’t offer rate quotes online and many times these regional carriers work with independent insurance agents. Cheap Saturn VUE insurance in Philadelphia is possible from both online companies and also from your neighborhood Philadelphia agents, and you should compare price quotes from both to have the best selection.

Throughout this article, we presented a lot of information how to get a better price on Saturn VUE insurance in Philadelphia. The key thing to remember is the more companies you get rates for, the better chance you’ll have of finding affordable Philadelphia car insurance quotes. You may even find the best prices are with the least-expected company. Some small companies may often insure only within specific states and give better rates as compared to the big name companies such as State Farm and Allstate.

Additional detailed information is available in the articles below:

• Can I Drive Legally without Insurance? (Insurance Information Institute)
• Who Has Cheap Philadelphia Car Insurance Quotes for Drivers Under 21? (FAQ)
• Side Impact Crash Tests (iihs.org)
• How to Avoid Common Accidents (State Farm)