Compare Saturn VUE Insurance Quotes in Los Angeles

Wish you could get out of high-priced Saturn VUE insurance in Los Angeles? Trust us, many Los Angeles consumers feel financially strained by their car insurance policy.

We don’t have to tell you that insurance companies want to keep you from comparing prices. Consumers who shop around for better prices will probably move their business because the odds are good of finding a more affordable policy. Surprisingly, a recent survey revealed that consumers who made a habit of comparing rate quotes saved as much as $3,500 over four years compared to those who never shopped around for better prices.

If finding discount rates on auto insurance is why you’re reading this, then knowing how to compare car insurance can make the process more efficient.

Lots of auto insurance companies contend to insure your vehicles, and because of this it can be hard to compare auto insurance companies to find the absolute best price available on Saturn VUE insurance in Los Angeles.

It’s important to do price comparisons on a regular basis because prices trend upward over time. Even if you got the lowest price on Saturn VUE insurance in Los Angeles a few years ago you may be paying too much now. Block out anything you think you know about car insurance because I’m going to let you in on the secrets to the fastest and easiest way to properly buy coverages while reducing your premium.

Get cheaper Saturn VUE insurance rates in Los Angeles

Some insurance providers don’t list every policy discount very well, so below is a list a few of the more common and also the more inconspicuous ways to save on auto insurance. If you do not double check each discount available, you are paying more than you should be.

• Buy New and Save – Buying insurance on a new vehicle is cheaper compared to insuring an older model.
• Theft Deterrent Discount – Cars and trucks that have factory anti-theft systems can help prevent theft and will save you 10% or more on VUE insurance in Los Angeles.
• Early Switch Discount – A few insurance companies offer discounts for renewing your policy prior to the expiration date on your current VUE insurance policy. This discount can save up to 10%.
• Multi-car Discount – Buying coverage for primary and secondary vehicles with one company qualifies for this discount.
• Seat Belt Discounts – Forcing all vehicle occupants to buckle up before driving can save up to 10 percent (depending on the company) on the medical payments or PIP coverage costs.
• Driver Training Discounts – Taking time to complete a driver safety course could cut 5% off your bill and easily pay for the cost of the class.
• College Student – Kids who live away from home at college and won’t have access to an insured vehicle may be able to be covered for less.
• Senior Citizen Discount – If you qualify as a senior citizen, you can possibly qualify for a small discount on rates.
• Pay Early and Save – By making one initial payment instead of paying each month you can avoid monthly service charges.

As a sidenote, most discount credits are not given to the entire cost. Some only reduce individual premiums such as collision or personal injury protection. Despite the fact that it seems like all the discounts add up to a free policy, it doesn’t quite work that way.

The chart below shows the comparison of Saturn VUE car insurance costs with and without discounts applied to the policy premium. The information is based on a female driver, a clean driving record, no at-fault accidents, California state minimum liability limits, full physical damage coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, multi-policy, homeowner, marriage, claim-free, and safe-driver discounts applied.

Some of the insurance companies who might offer these benefits possibly include:

• Progressive
• AAA
• Farmers Insurance
• GEICO
• Esurance
• SAFECO
• State Farm

When getting free Los Angeles auto insurance quotes, it’s a good idea to every company which discounts you qualify for. All car insurance discounts might not be offered on policies everywhere. To see a list of insurers that offer some of these discounts in Los Angeles, click here.

It’s important to know that making a lot of price comparisons will enable you to find a lower rate than you’re paying now. Some regional insurers cannot provide Los Angeles VUE insurance quotes online, so it’s recommended that you also compare quotes from those companies as well.

The companies shown below are our best choices to provide price quotes in California. If the list has multiple companies, we suggest you visit as many as you can in order to get a fair rate comparison.

Premium rates and analysis

The coverage information shown next highlights a range of rate quotes for Saturn VUE models. Being able to understand how insurance policy premiums are determined can help customers make smart choices when purchasing an insurance policy.

Table data assumes married male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include homeowner, multi-policy, claim-free, safe-driver, and multi-vehicle. Rate quotes do not factor in specific zip code location which can decrease or increase price quotes greatly.

Higher deductibles lower rates

When shopping for auto insurance, a common question is how high or low should comp and collision deductibles be. The comparisons below determine the rate fluctuation when you choose different physical damage coverage deductibles. The first set of rates uses a $250 deductible for comprehensive and collision coverage and the second price chart uses a $500 deductible.

Table data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include multi-vehicle, homeowner, safe-driver, claim-free, and multi-policy. Table data does not factor in the specific area where the vehicle is garaged which can influence premiums greatly.

We can estimate from the data above that using a $250 deductible will cost you approximately $17 more each month or $204 for a full year averaged for all VUE models than selecting the higher $500 deductible. Because you would pay $250 more if you turn in a claim with a $500 deductible as compared to a $250 deductible, if you go at a minimum 15 months between claims, you would come out ahead if you elect the higher deductible.

Situations that may require an agent’s advice

When it comes to proper insurance coverage for your vehicles, there isn’t really a cookie cutter policy. Every insured’s situation is different.

Here are some questions about coverages that may help you determine whether you might need professional guidance.

• What does medical payments coverage do?
• Does coverage follow the driver or the vehicle?
• What if I total my Saturn VUE and owe more than it’s worth?
• Do I need special coverage while pulling a rented trailer?
• Why am I required to get a high-risk car insurance policy?
• Do all my vehicles need collision coverage?
• Do I need replacement cost coverage?
• When should I drop full coverage on my Saturn VUE?
• Is upholstery damage covered by car insurance?
• How can I force my company to pay a claim?

If it’s difficult to answer those questions but you know they apply to you then you might want to talk to a licensed insurance agent. If you want to speak to an agent in your area, take a second and complete this form.

Insurance agent or online?

Many drivers just prefer to go talk to an agent and doing so can bring peace of mind One of the benefits of comparing insurance prices online is that you can obtain cheaper rates and also buy local.

Upon completion of this form (opens in new window), your insurance data is sent to companies in Los Angeles that give free quotes to get your business. It’s much easier because you don’t need to even leave your home since price quotes are sent directly to your email. You can most likely find cheaper rates AND a local agent. If you have a need to quote rates from a particular provider, you can always search and find their rate quote page and complete a quote there.

Picking an insurer requires more thought than just the quoted price. Any good agent in Los Angeles should know the answers to these questions.

• What insurance companies do they work with in Los Angeles?
• Are claim adjusters local or do you have to take your car somewhere else?
• Are they actively involved in the community?
• Is working in the agency their full-time job?
• How will an accident affect your rates?
• Is vehicle mileage a factor when determining depreciation for repairs?

If you are wanting to find local Los Angeles agents, there are two different types of agencies and how they differ in how they quote coverages. Insurance agencies can be described as either independent or exclusive depending on the company they work for.

Exclusive Insurance Agents

Agents that choose to be exclusive can only provide pricing for a single company such as Allstate, Farmers Insurance, State Farm, and AAA. They are unable to provide prices from multiple companies so they are skilled at selling on more than just price. Exclusive agents are usually quite knowledgeable on what they offer which helps them compete with independent agents.

Listed below are Los Angeles exclusive agencies that can give you price quote information.

View more agents

Independent Insurance Agents

Agents of this type often have many company appointments so they can insure your vehicles with many different companies and get you the best rates possible. If you want to switch companies, the business is moved internally and you won’t have to switch agencies.

If you are comparing rate quotes, we highly recommend that you check rates from at least one independent agent to get the best comparison.

The following is a short list of independent agents in Los Angeles who can help you get price quotes.

View more agents

Coverages available on your policy

Knowing the specifics of your auto insurance policy helps when choosing which coverages you need and proper limits and deductibles. Policy terminology can be impossible to understand and nobody wants to actually read their policy.

Uninsured or underinsured coverage

Your UM/UIM coverage protects you and your vehicle when the “other guys” either have no liability insurance or not enough. Covered claims include hospital bills for your injuries and damage to your Saturn VUE.

Since many California drivers have only the minimum liability required by law (15/30/5 in California), their limits can quickly be used up. For this reason, having high UM/UIM coverages should not be overlooked.

Comprehensive protection

This coverage will pay to fix damage OTHER than collision with another vehicle or object. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things such as a tree branch falling on your vehicle, hitting a deer and falling objects. The maximum payout a auto insurance company will pay at claim time is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Liability car insurance

Liability insurance will cover damage or injury you incur to people or other property in an accident. It protects you against claims from other people, and doesn’t cover your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see policy limits of 15/30/5 which stand for a limit of $15,000 per injured person, $30,000 for the entire accident, and property damage coverage for $5,000.

Liability coverage protects against things such as medical expenses, bail bonds and attorney fees. How much liability coverage do you need? That is your choice, but consider buying higher limits if possible. California requires minimum liability limits of 15/30/5 but drivers should carry more liability than the minimum.

The illustration below demonstrates why buying minimum limits may not provide you with enough coverage.

Medical expense coverage

Coverage for medical payments and/or PIP reimburse you for bills such as prosthetic devices, X-ray expenses and nursing services. They can be used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. Coverage applies to not only the driver but also the vehicle occupants and will also cover being hit by a car walking across the street. Personal Injury Protection is not universally available but it provides additional coverages not offered by medical payments coverage

Auto collision coverage

Collision coverage will pay to fix damage to your VUE caused by collision with an object or car. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage protects against things like scraping a guard rail, sustaining damage from a pot hole, damaging your car on a curb and crashing into a building. Collision coverage makes up a good portion of your premium, so consider dropping it from older vehicles. It’s also possible to increase the deductible on your VUE to bring the cost down.

More comparisons equals cheaper rates

We just covered many tips how you can save on Saturn VUE insurance in Los Angeles. The key thing to remember is the more times you quote, the better chance you’ll have of finding cheaper Los Angeles auto insurance quotes. You may even discover the best price on insurance is with an unexpected company.

People switch companies for a number of reasons such as lack of trust in their agent, poor customer service, questionable increases in premium and even an unsatisfactory settlement offer. Regardless of your reason, choosing a new company can be easy and end up saving you some money.

When searching for inexpensive Los Angeles auto insurance quotes, it’s a bad idea to reduce coverage to reduce premium. In too many instances, consumers will sacrifice full coverage and found out when filing a claim that a couple dollars of savings turned into a financial nightmare. The ultimate goal is to buy the best coverage you can find for the lowest cost, not the least amount of coverage.

Other articles

• Safe Vehicles for Teens (iihs.org)
• What is Gap Insurance? (Insurance Information Institute)
• Car Insurance for Teen Drivers with Divorced Parents (Allstate)
• Front crash protection reduces rear-end crashes (Insurance Institute for Highway Safety)