No one loves paying for car insurance, especially when they are aware that they could get a better deal. Companies like State Farm, Allstate, GEICO and Progressive all claim big savings, bombarding you with ads and it is difficult to see through the cute green geckos and mayhem and find the best price available.
It’s a great practice to get comparison quotes as often as possible because car insurance prices are constantly changing. If you had the lowest rate for VUE coverage a few years ago you may be paying too much now. Forget all the misinformation about car insurance because you’re going to learn the best way to reduce your cost while increasing coverage.
If you are paying for car insurance now, you should be able to reduce your rates substantially using this information. Finding affordable coverage is easy if you know what you’re doing. But consumers benefit from understanding how companies price insurance differently and apply this information to your search.
More affordable rates with discounts
Some insurers do not list every policy discount very clearly, so the following list contains a few of the more well known and the more hidden credits available to lower your premiums when you .
- Sign Early and Save – Some car insurance companies reward drivers for switching policies prior to your current policy expiring. You can save around 10% with this discount.
- Discounts for Cautious Drivers – Accident-free drivers may save up to 50% more for VUE coverage than drivers with accidents.
- Use Seat Belts – Drivers who always wear seat belts and also require passengers to fasten their seat belts can save up to 10 percent (depending on the company) off the personal injury premium cost.
- Active Military Service – Being deployed with a military unit could qualify you for better prices.
- ABS Brakes – Cars with ABS braking systems or traction control have fewer accidents and will save you 10% or more.
- Telematics Devices – Insureds who allow their company to analyze when and where they use their vehicle remotely such as Allstate’s Drivewise and State Farm’s In-Drive system could see a rate decrease if their driving habits are good.
- Theft Deterent System – Vehicles equipped with anti-theft or alarm systems are stolen less frequently and qualify for as much as a 10% discount.
As is typical with insurance, most discounts do not apply to the overall cost of the policy. Most only cut the cost of specific coverages such as physical damage coverage or medical payments. Despite the fact that it seems like you would end up receiving a 100% discount, that’s just not realistic. Any qualifying discounts will bring down the cost of coverage.
Companies and some of their more popular discounts include:
- GEICO includes discounts for federal employee, defensive driver, emergency military deployment, driver training, and multi-vehicle.
- MetLife offers discounts including accident-free, claim-free, multi-policy, good student, and defensive driver.
- Progressive has savings for multi-policy, continuous coverage, online signing, good student, homeowner, and multi-vehicle.
- Travelers offers premium reductions for save driver, multi-car, early quote, home ownership, student away at school, IntelliDrive, and continuous insurance.
- SAFECO has discounts for accident prevention training, teen safe driver, safe driver, bundle discounts, drive less, multi-car, and teen safety rewards.
- AAA may offer discounts for anti-theft, good student, pay-in-full, AAA membership discount, and good driver.
Before purchasing a policy, check with every company how many discounts you can get. A few discounts might not apply in your area.
What is YOUR best insurance company?
In this article, we presented many ways to lower your Saturn VUE insurance premium rates. It’s most important to understand that the more rate comparisons you have, the better likelihood of getting . You may be surprised to find that the best price on car insurance is with a company that doesn’t do a lot of advertising. These smaller insurers can often insure niche markets at a lower cost than the large multi-state companies such as State Farm, GEICO and Nationwide.
Budget-conscious Saturn VUE insurance can be purchased on the web and from local insurance agents, so you should be comparing quotes from both in order to have the best price selection to choose from. Some companies don’t offer the ability to get quotes online and usually these smaller companies prefer to sell through independent agents.
