Cheapest Quotes for Saturn VUE Insurance in Plano

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We don't have to tell you that car insurance companies want to keep your business as long as possible. People who get comparison quotes at least once a year will most likely switch companies because they stand a good chance of finding lower prices. A recent survey revealed that consumers who regularly shopped around saved $70 a month compared to drivers who never shopped around for lower prices.

If finding the best price on Saturn VUE insurance in Plano is your ultimate target, then having an understanding of how to compare insurance rates can make it simple to find affordable coverage.

Discount Saturn VUE insuranceIt takes a little time, but the best way to get more affordable Saturn VUE insurance is to compare quotes annually from different companies who provide auto insurance in Plano.

  1. Read about how auto insurance works and the changes you can make to prevent expensive coverage. Many things that increase rates such as multiple speeding tickets and a substandard credit history can be rectified by being financially responsible and driving safely. This article gives ideas to help prevent costly coverage and find discounts that you may qualify for.
  2. Compare price quotes from direct, independent, and exclusive agents. Exclusive agents and direct companies can only provide price estimates from one company like Progressive or Farmers Insurance, while independent agents can provide rate quotes for many different companies. Compare rates now
  3. Compare the new rates to your existing coverage to see if a cheaper rate is available. If you can save some money and decide to switch, ensure coverage does not lapse between policies.

An important note is that you'll want to compare the same liability limits and deductibles on each quote request and and to look at as many companies as you can. Doing this provides a fair rate comparison and the best price selection.

Affordable companies for Saturn VUE insurance

The companies shown below are ready to provide free rate quotes in Texas. To locate cheap auto insurance in TX, we suggest you visit two to three different companies to get the lowest price.

Statistics and details

The rate table shown below highlights a range of coverage costs for Saturn VUE models. Having insight into how prices are established is important to be able to make smart choices when selecting a coverage provider.

Saturn VUE Insurance Rates in Plano, TX
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Vue XE 2WD $336 $408 $500 $30 $150 $1,424 $119
Vue XR 2WD $336 $496 $500 $30 $150 $1,512 $126
Vue XR-L 2WD $378 $496 $500 $30 $150 $1,554 $130
Vue XR AWD $378 $496 $500 $30 $150 $1,554 $130
Vue XR-L AWD $378 $584 $500 $30 $150 $1,642 $137
Get Your Own Custom Quote Go

Above prices assume single male driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Texas minimum liability limits. Discounts applied include safe-driver, multi-policy, claim-free, multi-vehicle, and homeowner. Prices do not factor in specific location which can change coverage rates noticeably.

Choosing deductibles

One of the most common car insurance questions is which deductibles should you choose. The tables below may help to conceptualize how much more rates are of buying low and high policy deductibles. The first rate quote example uses a $250 physical damage deductible and the second price chart uses a $500 deductible.

Saturn VUE insurance rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Vue XE 2WD $294 $408 $382 $22 $114 $1,245 $104
Vue XR 2WD $294 $496 $382 $22 $114 $1,333 $111
Vue XR-L 2WD $332 $496 $382 $22 $114 $1,371 $114
Vue XR AWD $332 $496 $382 $22 $114 $1,371 $114
Vue XR-L AWD $332 $584 $382 $22 $114 $1,459 $122
Get Your Own Custom Quote Go
Saturn VUE insurance rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Vue XE 2WD $240 $328 $382 $22 $114 $1,086 $91
Vue XR 2WD $240 $400 $382 $22 $114 $1,158 $97
Vue XR-L 2WD $270 $400 $382 $22 $114 $1,188 $99
Vue XR AWD $270 $400 $382 $22 $114 $1,188 $99
Vue XR-L AWD $270 $472 $382 $22 $114 $1,260 $105
Get Your Own Custom Quote Go

Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include safe-driver, multi-policy, homeowner, multi-vehicle, and claim-free. Estimates do not factor in Plano location which can impact coverage rates noticeably.

Using the data above, we can ascertain that using a $250 deductible costs about $15 more each month or $180 for a full year than quoting the higher $500 deductible. Since you would pay $250 more if you file a claim with a $500 deductible as compared to a $250 deductible, if you have at least 17 months between claims, you would probably come out ahead if you decide on a higher deductible.

Calculate deductible break even point

Average monthly premium for $250 deductibles: $113
Average monthly premium for $500 deductibles (subtract): - $98
Monthly savings from raising deductible: $15
Difference between deductibles ($500 - $250): $250
Divide difference by monthly savings: $250 / $15
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 17 months

An important thing to remember is that increasing deductibles to save money results in having to pay to pay more out-of-pocket if you have a claim. You need to have enough money in the bank in the event you have to pay the higher deductible.

Saturn VUE insurance costs by gender and age

The diagram below illustrates the difference between Saturn VUE insurance costs for male and female drivers. The premiums are based on no violations or claims, full coverage, $500 deductibles, single marital status, and no discounts are factored in.

Insurance policy discounts you can't miss

Insurance can cost an arm and a leg, but you might be missing out on some discounts to help bring down the price. Many of these discounts will be applied automatically at quote time, but some discounts are required to be requested specifically before being credited.Cheaper insurance with discounts

  • Payment Method - If you pay your entire premium ahead of time instead of paying each month you could save up to 5%.
  • Drivers Education - Reduce the cost of insurance for teen drivers by having them take driver's ed class as it will make them better drivers and lower rates.
  • Save with a New Car - Insuring a vehicle that is new can get you a discount because newer vehicles have to meet stringent safety requirements.
  • E-sign - A few larger online companies will give you a small discount for buying a policy and signing up online.
  • No Claims - Insureds with no claims or accidents are rewarded with significantly better rates on Plano auto insurance quote compared to drivers with a long claim history.
  • Anti-lock Brake Discount - Cars, trucks, and SUVs with anti-lock braking systems can stop better under adverse conditions so you can save 10 percent or more.
  • Telematics Discount - Drivers that enable data collection to spy on where and when they drive through the use of a telematics system such as Progressive's Snapshot could possibly reduce rates if they are good drivers.
  • Military Discounts - Being on active duty in the military could trigger a small discount.

While discounts sound great, it's important to understand that some of the credits will not apply to your bottom line cost. Some only reduce the price of certain insurance coverages like comp or med pay. So even though they make it sound like you could get a free insurance policy, company stockholders wouldn't be very happy.

The illustration below shows the comparison of Saturn VUE insurance premiums with and without policy discounts. The data assumes a female driver, no tickets, no at-fault accidents, Texas state minimum liability limits, full coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, multi-car, claim-free, multi-policy, homeowner, and marriage discounts applied.

The best insurance companies and some of the premium reductions they offer can be found below.

  • State Farm may include discounts for accident-free, multiple autos, good driver, defensive driving training, Steer Clear safe driver discount, anti-theft, and Drive Safe & Save.
  • Farmers Insurance includes discounts for distant student, good student, switch companies, homeowner, multi-car, and pay in full.
  • Progressive offers discounts for multi-policy, online quote discount, continuous coverage, multi-vehicle, online signing, homeowner, and good student.
  • GEICO may offer discounts for federal employee, seat belt use, air bags, good student, multi-policy, and five-year accident-free.
  • Auto-Owners Insurance has savings for teen driver, group or association, anti-lock brakes, anti-theft, and air bags.
  • The Hartford has discounts for defensive driver, driver training, vehicle fuel type, air bag, and good student.
  • Farm Bureau offers premium reductions for youthful driver, good student, renewal discount, safe driver, 55 and retired, multi-vehicle, and driver training.
  • USAA may have discounts that include vehicle storage, annual mileage, good student, new vehicle, military installation, multi-policy, and multi-vehicle.

If you need lower rates, check with every insurance company which discounts can lower your rates. Some of the discounts discussed earlier may not apply to policyholders in your area. For a list of companies with the best Saturn VUE insurance discounts in Plano, follow this link.

Good Decisions Result in Lower Insurance Costs

When buying insurance it's important to understand some of the elements that aid in calculating insurance rates. If you understand what determines base rates, this empowers consumers to make smart changes that will entitle you to better insurance rates. Multiple criteria are part of the equation when you quote your car insurance policy. Some of the criteria are obvious like your driving record, although some other factors are not as apparent like your vehicle usage and annual miles driven.

Shown below are some of the most rate-impacting factors utilized by car insurance companies to help set prices.

  • Liability insurance limits are a factor - The liability section of your policy provides coverage if ever a court rules you are at fault for damages caused by your negligence. This coverage provides you with a defense in court up to the limits shown on your policy. It is affordable coverage when compared with rates for comp and collision, so drivers should carry high limits.
  • Drive less and save - The more you drive each year the more you'll pay to insure it. Most insurance companies calculate prices based upon how the vehicle is primarily used. Vehicles used primarily for pleasure use receive lower rates than those used for commuting. It's always a good idea to double check that your insurance coverage shows annual mileage. Improper usage on your VUE may be wasting your money.
  • Rates can be impacted by your employer - Did you know that where you work can have an impact on rates? Jobs such as military personnel, architects, and stock brokers have higher rates than the rest of us in part from intense work situations and long work hours. On the other hand, occupations such as scientists, engineers and retirees pay the least.
  • How old are your drivers? - More mature drivers are shown to be more cautious, are lower risk to insure, and usually have better credit. Young drivers tend to be less responsible when at the wheel of a vehicle and because of this, their insurance rates are much higher.

    The following chart uses these assumptions: single driver, full coverage with $250 deductibles, and no discounts or violations.

  • High insurance claims frequency drives up prices - If you file claims often, don't be surprised to see either higher rates or even cancellation. Car insurance companies in Texas give the best rates to policyholders who are not frequent claim filers. Auto insurance is designed for major claims that would cause financial hardship.

Insurance agents can help

When it comes to buying the best car insurance coverage, there isn't really a perfect coverage plan. Your needs are not the same as everyone else's.Car insurance savings

These are some specific questions can aid in determining if your insurance needs would benefit from an agent's advice.

  • Do I need motorclub coverage?
  • Am I covered when delivering products for my home-based business?
  • Where can I get insurance after a DUI in Texas?
  • If my car is totaled with they pay enough to replace it?
  • I don't drive much so do I pay less?
  • What if a claim settlement is too low?

If you can't answer these questions but you think they might apply to your situation, then you may want to think about talking to an insurance agent. If you don't have a local agent, complete this form. It's fast, doesn't cost anything and may give you better protection.

Local neighborhood Plano car insurance agents

Some people just prefer to have an agent's advice and there is nothing wrong with that. Insurance agents are trained to spot inefficiencies and help submit paperwork. One of the great benefits of getting free rate quotes online is the fact that drivers can get cheap insurance quotes and still choose a local agent. Buying insurance from local insurance agencies is definitely important in Plano.

Insurance agency in PlanoAfter completing this simple form, your insurance data gets sent to insurance agents in Plano who will gladly provide quotes and help you find cheaper coverage. It makes it easy because there is no need to search for an agent due to the fact that quote results will go immediately to your email address. If you want to get a comparison quote from a specific insurance company, just navigate to their website to submit a rate quote request.

Below is a short list of auto insurance companies in Plano that may be willing to give comparison quotes for Saturn VUE insurance in Plano.

4504 Legacy Dr #200 - Plano, TX 75024 - (972) 943-9555 - View Map

3020 Legacy Dr #190 - Plano, TX 75023 - (972) 208-3705 - View Map

280 Legacy Dr #250 - Plano, TX 75023 - (972) 575-9100 - View Map

1729 N Central Expy Suite A - Plano, TX 75075 - (972) 509-5600 - View Map

View more agents

Deciding on an company requires more thought than just the price. Any agent in Plano should be forthright in answering these questions:

  • Is vehicle mileage a factor when determining depreciation for repairs?
  • Will vehicle repairs be made with aftermarket parts or OEM replacement parts?
  • If independent agents, which companies do they recommend?
  • Where would glass claims be handled in Plano?
  • Does the agent have professional designations like CIC, CPCU or AIC?
  • Will you work with the agent or an assistant?

Persistence is the key to cheap rates

Drivers switch companies for any number of reasons including denial of a claim, not issuing a premium refund, policy non-renewal and even unfair underwriting practices. Regardless of your reason for switching companies, choosing a new insurance company is pretty simple and you could end up saving a buck or two.

We covered many tips how you can lower your Saturn VUE insurance rates in Plano. The most important thing to understand is the more you quote Plano auto insurance, the better your chances of lowering your auto insurance rates. Drivers may even discover the lowest rates are with a small local company.

When searching for the cheapest Saturn VUE rate quotes, it's a bad idea to buy poor coverage just to save money. In many instances, consumers will sacrifice comprehensive coverage or liability limits only to regret that it was a big mistake. Your objective should be to buy the best coverage you can find at the best price.

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