Save Money on Saturn VUE Insurance in Detroit

Nobody I know looks forward to paying premiums for car insurance, especially when the cost is too high.

Astonishing but true according to a recent study, the vast majority of consumers have bought car insurance from the same company for four years or more, and 38% of customers have never compared rates from other carriers. With the average premium in America being $1,847, drivers can cut their rates by approximately 46.5% a year just by getting comparison quotes, but they think it’s difficult to find lower-cost insurance by shopping around.

Insurance companies such as Progressive, State Farm and GEICO increase brand awareness with fancy advertisements and it can be hard to ignore the promise of big savings and find the best price available.

If you currently have car insurance, you will surely be able to save money using the concepts covered in this article. Locating the best rates in Detroit can really be easy if you know what you’re doing. But Michigan vehicle owners should learn how companies sell insurance online because rates are impacted by many factors.

Slash your auto insurance rates with discounts

Companies that sell car insurance do not advertise every discount they offer in a way that’s easy to find, so the following is a list of a few of the more common and the harder-to-find ways to save on auto insurance. If you do not check that you are getting every discount you qualify for, you could be saving more on your auto insurance.

• Driver’s Education for Students – It’s a good idea to have your young drivers take driver’s ed class as it can save substantially.
• Good Driver Discount – Insureds without accidents could pay up to 40% less compared to rates paid by drivers with frequent claims.
• Sign Online – Certain auto insurance companies may give you up to $50 for buying a policy and signing up on their website.
• Passenger Safety Discount – Vehicles equipped with air bags or motorized seat belts may get savings of up to 25% or more.
• Low Miles Discount – Low mileage vehicles could earn lower prices on the low mileage vehicles.
• Savings for New Vehicles – Insuring a new VUE can be considerably cheaper since new vehicles are generally safer.
• Accident Waiver – Not really a discount, but a few companies such as Allstate, Progressive, and GEICO permit an accident without raising rates with the catch being you have to be claim-free for a set time period.

Remember that most of the big mark downs will not be given to the whole policy. Some only reduce the cost of specific coverages such as comp or med pay. So despite the fact that it appears it’s possible to get free car insurance, company stockholders wouldn’t be very happy.

The illustration below shows the difference between Saturn VUE insurance premiums with and without discounts applied to the rates. The prices are based on a male driver, no claims or violations, Michigan state minimum liability limits, comp and collision included, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, claim-free, multi-policy, marriage, homeowner, and safe-driver discounts applied.

Popular auto insurance companies and some of the premium reductions they offer are:

• Progressive offers premium reductions for homeowner, online signing, multi-vehicle, online quote discount, and good student.
• MetLife offers discounts for accident-free, multi-policy, good driver, claim-free, defensive driver, and good student.
• Mercury Insurance discounts include location of vehicle, low natural disaster claims, accident-free, anti-theft, professional/association, good student, and good driver.
• Nationwide may include discounts for Farm Bureau membership, easy pay, multi-policy, business or organization, anti-theft, and accident-free.
• GEICO has discounts for anti-theft, daytime running lights, driver training, good student, multi-vehicle, and military active duty.
• AAA offers discounts including multi-policy, good driver, AAA membership discount, education and occupation, good student, anti-theft, and pay-in-full.

Double check with every insurance company which discounts can lower your rates. Some of the discounts discussed earlier may not apply everywhere. To see a list of providers who offer cheap Saturn VUE insurance quotes in Detroit, click this link.

Keep in mind that comparing a large number of companies increases your odds of finding a better price.

The providers in the list below are ready to provide free quotes in Detroit, MI. To find the cheapest auto insurance in MI, we suggest you compare several of them to get the most competitive price.

Rates and statistics

The coverage information below outlines detailed analysis of insurance rates for Saturn VUE models. Having a good grasp of how car insurance prices are determined can help you make decisions when shopping your coverage around.

Table data represents married male driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Michigan minimum liability limits. Discounts applied include multi-policy, homeowner, multi-vehicle, claim-free, and safe-driver. Table data does not factor in vehicle location which can impact price quotes greatly.

Physical damage deductible comparison

A question often asked by Detroit drivers is the level to set your comp and collision deductibles. The comparisons below may aid in understanding how much more rates are when you choose different policy deductibles. The first set of rates uses a $250 physical damage deductible and the second data table uses a $1,000 deductible.

Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, and Michigan minimum liability limits. Discounts applied include claim-free, multi-vehicle, multi-policy, homeowner, and safe-driver. Premium amounts do not factor in vehicle location which can influence price quotes significantly.

We can derive from the above data that using a $250 deductible would cost the average driver about $48 more each month or $576 each year than selecting the higher $1,000 deductible. Due to the fact that you would have to pay $750 more to settle a claim with a $1,000 deductible as compared to a $250 deductible, if you usually have at least 16 months between claim filings, you would most likely save money if you choose the higher deductible.

The information below highlights how deductible choice and can change Saturn VUE insurance rates for different age groups of insureds. The data is based on a married female driver, full coverage, and no additional discounts are factored in.

Reckless driving habits raise Detroit auto insurance rates

The illustration below highlights how traffic violations and at-fault fender-benders can influence Saturn VUE car insurance rates for different age groups. The premiums are based on a married female driver, full physical damage coverage, $1,000 deductibles, and no discounts are applied.

Full coverage rates compared to liability-only

The chart below shows the difference between Saturn VUE annual premium costs with full physical damage coverage compared to only buying liability only. The premium estimates are based on a clean driving record, no claims, $500 deductibles, drivers are single, and no discounts are applied.

When to stop buying comprehensive and collision coverage

There isn’t a steadfast formula of when to stop paying for physical damage coverage on your policy, but there is a general guideline. If the annual cost of coverage is about 10% or more of replacement cost minus your deductible, the it may be a good time to stop paying for full coverage.

For example, let’s pretend your Saturn VUE replacement value is $6,000 and you have $1,000 deductibles. If your vehicle is totaled in an accident, the most you would receive is $5,000 after the policy deductible has been paid. If you are paying more than $500 annually for full coverage, then you might consider buying liability only.

There are some conditions where only buying liability is not advised. If you still have a loan on your vehicle, you have to maintain full coverage as part of the loan requirements. Also, if your finances do not allow you to purchase a different vehicle if your current one is totaled, you should not remove full coverage.

What insurance coverages do I need?

Always keep in mind that when comparing the best insurance coverage for your vehicles, there really is no “best” method to buy coverage. Each situation is unique.

These are some specific questions might point out whether you would benefit from professional advice.

• Am I getting all the discounts available?
• Are my friends covered when driving my Saturn VUE?
• Should I file a claim if it’s only slightly more than my deductible?
• What if an uninsured driver hits me?
• Can I rate high risk drivers on liability-only vehicles?
• What is no-fault insurance?
• What is an SR-22 filing?
• Can I rent a car in Mexico?
• How can I get the company to pay a claim?

If you’re not sure about those questions but one or more may apply to you, you might consider talking to an agent. If you want to speak to an agent in your area, complete this form.

Local Detroit insurance agents and car insurance

Some consumers just want to go talk to an agent and that is recommended in a lot of cases The best thing about comparing rates online is that you can obtain better rates and also buy local. And buying from local insurance agents is definitely important in Detroit.

To find an agent, once you fill out this simple form, your information is emailed to insurance agents in Detroit who will give you quotes to get your business. There is no need to contact any insurance agencies due to the fact that quote results will go directly to you. Get lower rates without a big time investment. In the event you want to get a price quote from a specific insurance company, don’t hesitate to search and find their rate quote page and submit a quote form there.

Shown below is a short list of car insurance companies in Detroit that are able to give rate quotes for Saturn VUE insurance in Detroit.

More Detroit agents

Deciding on a insurance company requires you to look at more than just a cheap price quote. The questions below may impact your decision as well.

• Is the agency covered by Errors and Omissions coverage?
• What kind of financial rating does the company have?
• Do they make recommendations based only on price?
• Can they provide you with a list of referrals?
• Do you need full coverage on every vehicle?
• Who is covered by the car insurance policy?
• What companies can they write with?
• Will one accident increase rates?

In conclusion

Low-cost Saturn VUE insurance in Detroit is attainable from both online companies and from local agencies, so you should be comparing quotes from both in order to have the best price selection to choose from. Some companies may not have rates over the internet and many times these smaller companies sell through independent agencies.

We just showed you many ways to lower your Saturn VUE insurance premium rates in Detroit. The most important thing to understand is the more quotes you get, the better likelihood of getting low cost Detroit car insurance quotes. You may even be surprised to find that the biggest savings come from a smaller regional carrier.

As you quote Detroit car insurance, it’s a bad idea to buy less coverage just to save a little money. There are too many instances where consumers will sacrifice physical damage coverage only to discover later that they should have had better coverage. Your strategy should be to buy enough coverage at the best price but still have enough coverage for asset protection.

How to quote cheaper Saturn VUE insurance in Detroit

If you want to save the most money, the best way to find more affordable Saturn VUE insurance is to regularly compare prices from providers in Detroit. Drivers can shop around by completing these steps.

First, take a few minutes and learn about how companies set rates and the steps you can take to drop your rates. Many risk factors that cause high rates like speeding tickets, careless driving and a less-than-favorable credit score can be improved by making small lifestyle or driving habit changes.

Second, obtain price quotes from direct, independent, and exclusive agents. Exclusive and direct companies can provide rates from a single company like GEICO or Allstate, while independent agencies can provide prices from multiple sources.

Third, compare the price quotes to the price on your current policy to see if a cheaper price is available. If you can save money and change companies, ensure coverage does not lapse between policies.

The key thing to remember is that you use identical limits and deductibles on each quote and and to get price quotes from as many companies as you can. This provides a fair rate comparison and plenty of rates choose from.

Much more information about insurance in Michigan can be read at the links below

• Choosing an Insurance Company (Insurance Information Institute)
• Who Has the Cheapest Detroit Car Insurance Quotes for a Chevrolet Equinox? (FAQ)
• How Much is Auto Insurance for Teachers in Detroit? (FAQ)
• How Much are Auto Insurance Quotes for a Chevrolet Silverado in Detroit? (FAQ)
• Who Has Affordable Auto Insurance for Drivers with Bad Credit in Detroit? (FAQ)
• Pickups fall short in headlight tests (Insurance Institute for Highway Safety)
• Distracted Driving Extends Beyond Texting (State Farm)