Cheapest Quotes for Saturn VUE Insurance in Plano

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
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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
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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

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.

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.

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.

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

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

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

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

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

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.

Additional detailed information can be read at these sites: