Saturn VUE Insurance Rates in Virginia Beach

Searching for cheaper Saturn VUE insurance in Virginia Beach? Have you had enough of not being able to afford to make your insurance payment? You have the same problem as many other Virginia consumers.

It goes without saying that insurance companies want to keep you from shopping around. People who compare rates once a year will, in all likelihood, buy a new policy because they stand a good chance of finding a policy with more affordable rates. A recent survey revealed that drivers who routinely shopped around saved as much as $3,400 over four years as compared to drivers who didn’t regularly shop around.

If finding the cheapest price on auto insurance is your goal, then having an understanding of the best ways to find and compare coverage rates can help you succeed in saving money. There are many insurers to insure vehicles with, and although it’s a good thing to have a selection, too many choices makes it more difficult to adequately compare rates for Saturn VUE insurance in Virginia Beach.

You should make it a habit to check insurance prices quite often because prices change frequently. If you had the best deal on Saturn VUE insurance in Virginia Beach a couple years back other companies may now be cheaper. You can find a lot of misleading information regarding VUE insurance online but you can learn the easiest ways to lower your insurance rates in Virginia Beach.

Eight discounts for lower-cost auto insurance quotes

Auto insurance companies do not advertise every available discount very well, so the below list has both the well known as well as the least known credits available to you.

• Multiple Cars – Insuring multiple cars or trucks with the same auto insurance company can reduce rates for all insured vehicles.
• Paperwork-free – A few auto insurance companies will give you a small discount for buying a policy and signing up on their website.
• Theft Deterrent – Anti-theft and alarm system equipped vehicles help deter theft and that can save you a little bit as well.
• Seat Belts Save more than Lives – Buckling up and requiring all passengers to buckle up before driving can save up to 10 percent (depending on the company) off PIP or medical payments premium.
• Accident Forgiveness Coverage – This one isn’t a discount, but some companies like GEICO and Liberty Mutual will let one accident slide before raising your premiums if your claims history is clear prior to being involved in the accident.
• Driver Safety – Taking a course that instructs on driving safety could possibly earn you a 5% discount and easily recoup the cost of the course.
• Good Student Discount – A discount for being a good student can be rewarded with saving of up to 25%. You can use this discount normally well after school through age 25.
• Data Collection Discounts – Policyholders that allow their insurance company to spy on driving manner remotely like Drivewise from Allstate or In-Drive from State Farm might get better premium rates as long as the data is positive.

It’s important to note that most of the big mark downs will not be given to all coverage premiums. Most only cut the cost of specific coverages such as collision or personal injury protection. So despite the fact that it appears it’s possible to get free car insurance, auto insurance companies aren’t that generous.

The diagram below shows the difference between Saturn VUE car insurance rates with and without discounts applied. The prices are based on a male driver, no claims or driving citations, Virginia state minimum liability limits, full physical damage coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, safe-driver, multi-policy, claim-free, multi-car, and homeowner discounts applied.

To see a list of auto insurance companies that offer multiple discounts in Virginia, click this link.

Saturn VUE insurance quotes comparison

The following companies have been selected to offer price comparisons in Virginia. If you want to find the cheapest car insurance in Virginia Beach, VA, it’s a good idea that you visit several of them to find the most competitive car insurance rates.

Rates and data analysis

The table displayed below covers different insurance coverage prices for Saturn VUE models. Having a good understanding how insurance prices are determined can help customers make smart choices when choosing a car insurance company.

Table data assumes married female driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Virginia minimum liability limits. Discounts applied include multi-vehicle, homeowner, multi-policy, safe-driver, and claim-free. Prices do not factor in specific Virginia Beach garaging location which can change rates greatly.

Comparison of policy deductibles

When buying insurance, a common question is which comprehensive and collision deductibles to buy. The rates shown below illustrate how much more rates are when you select higher and lower insurance deductibles. The first set of prices uses a $100 comprehensive and collision deductible and the second price grid uses a $500 deductible.

Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, and Virginia minimum liability limits. Discounts applied include safe-driver, multi-policy, homeowner, claim-free, and multi-vehicle. Table data does not factor in specific zip code location which can affect insurance rates substantially.

Using the data above, we can ascertain that using a $100 deductible costs approximately $19 more each month or $228 annually averaged for all VUE models than choosing the higher $500 deductible. Because you would pay $400 more out of your own pocket with a $500 deductible as compared to a $100 deductible, if you tend to go at least 21 months between claim filings, you would come out ahead by going with a higher deductible.

Are insurance agencies a thing of the past?

A small number of people would rather sit down with an agent and there is nothing wrong with that. Professional agents can point out coverage gaps and help submit paperwork. One of the great benefits of comparing rates online is that you can obtain cheap car insurance quotes and still have an agent to talk to.

To help locate an agent, after submitting this quick form, your insurance coverage information is immediately sent to agents in your area who will return price quotes for your coverage. There is no reason to find an agent due to the fact that quote results will go directly to your email. If you want to compare prices from a specific insurance company, you just need to navigate to their website and give them your coverage information.

Choosing the best insurance company should include more criteria than just the price. Any agent in Virginia Beach should have no problem answering these questions:

• If you have an accident, will your rates go up?
• Are claims handled at the agent’s location?
• Does the company use OEM repair parts?
• Can they help ensure a fair claim settlement?
• Is assistance available after office hours?
• Are they primarily personal or commercial lines agents in Virginia Beach?
• Does their agency support local causes in Virginia Beach?
• Are they full-time agents?

Types of car insurance agents in Virginia Beach

When searching for a reliable insurance agent, there are two types of insurance agents and how they are slightly different. Car insurance agents can be classified as either exclusive agents or independent agents. Both can properly insure your vehicles, but it’s good to learn the difference in how they write coverage because it can influence the kind of agent you use.

Exclusive Car Insurance Agents

Agents in the exclusive channel can only place business with one company and examples are Allstate, Farmers Insurance, State Farm, and AAA. These agents are not able to place coverage with different providers so they really need to provide good service. Exclusive insurance agents are usually quite knowledgeable on sales techniques which helps them compete with independent agents.

The following are exclusive insurance agencies in Virginia Beach that are able to give rate quotes.

View more Virginia Beach agents

Independent Agencies or Brokers

Independent agencies do not have single company limitations and that enables them to quote your coverage with any number of different companies depending on which coverage is best. If they find a lower price, an independent agent can move your coverage and the insured can keep the same agent.

If you are trying to find cheaper rates, you need to check rates from a couple of independent agencies so that you have a good selection of quotes to compare.

The following are Virginia Beach independent insurance agencies willing to provide price quote information.

View more Virginia Beach agents

If you feel you receive reasonable responses to any questions you have and a good coverage price, you’ve probably found an insurance agency that can be relied on to properly insure your vehicles. Just be aware that it’s your policy and you can terminate coverage when you choose so don’t feel that you are obligated to a policy for any length of time.

Ratings for Virginia Beach car insurance companies

Selecting the top insurance provider can be a challenge considering how many companies sell insurance in Virginia. The ranking data below could help you pick which insurers you want to consider when shopping your coverage around.

Top 10 Virginia Beach Car Insurance Companies Ranked by Value

1. Mercury Insurance
2. Travelers
3. American Family
4. AAA Insurance
5. Safeco Insurance
6. Progressive
7. The Hartford
8. Erie Insurance
9. Esurance
10. The General

Top 10 Virginia Beach Car Insurance Companies Ranked by Customer Satisfaction

1. USAA – 91%
2. AAA Insurance – 90%
3. Esurance – 90%
4. Mercury Insurance – 89%
5. Nationwide – 89%
6. Travelers – 88%
7. Progressive – 88%
8. Safeco Insurance – 88%
9. State Farm – 88%
10. Allstate – 88%

Insurance coverage options for a Saturn VUE

Knowing the specifics of your insurance policy can be of help when determining which coverages you need at the best deductibles and correct limits. The terms used in a policy can be difficult to understand and even agents have difficulty translating policy wording. Listed below are typical coverages found on most insurance policies.

Coverage for medical expenses

Medical payments and Personal Injury Protection insurance kick in for immediate expenses for prosthetic devices, funeral costs, pain medications, hospital visits and dental work. The coverages can be utilized in addition to your health insurance policy or if you are not covered by health insurance. They cover not only the driver but also the vehicle occupants in addition to being hit by a car walking across the street. Personal injury protection coverage is not an option in every state and gives slightly broader coverage than med pay

Coverage for uninsured or underinsured drivers

This protects you and your vehicle’s occupants from other drivers when they either are underinsured or have no liability coverage at all. This coverage pays for injuries sustained by your vehicle’s occupants and also any damage incurred to your Saturn VUE.

Since many Virginia drivers only purchase the least amount of liability that is required (which is 25/50/20), it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is important protection for you and your family.

Comprehensive insurance

This coverage covers damage OTHER than collision with another vehicle or object. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims such as damage from getting keyed, a tree branch falling on your vehicle, hitting a bird, rock chips in glass and theft. The maximum amount you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Collision coverage

Collision coverage covers damage to your VUE resulting from a collision with an object or car. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers things like hitting a mailbox, hitting a parking meter and rolling your car. Paying for collision coverage can be pricey, so you might think about dropping it from older vehicles. Drivers also have the option to choose a higher deductible on your VUE to bring the cost down.

Auto liability insurance

Liability insurance provides protection from damage that occurs to people or other property in an accident. Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have policy limits of 25/50/20 which stand for $25,000 in coverage for each person’s injuries, $50,000 for the entire accident, and $20,000 of coverage for damaged property.

Liability coverage protects against things such as emergency aid, court costs, bail bonds and repair costs for stationary objects. How much liability coverage do you need? That is your choice, but you should buy as much as you can afford. Virginia state minimum liability requirements are 25/50/20 but it’s recommended drivers buy more coverage.

The chart below demonstrates why low liability limits may not be adequate coverage.

Compare rates regularly to save

When you buy Virginia Beach car insurance online, do not skimp on critical coverages to save a buck or two. There have been many cases where drivers have reduced collision coverage to discover at claim time that saving that couple of dollars actually costed them tens of thousands. Your goal should be to get the best coverage possible at the best cost.

Cheaper Saturn VUE insurance in Virginia Beach can be bought both online and also from your neighborhood Virginia Beach agents, and you should compare price quotes from both to have the best chance of lowering rates. Some insurance companies may not provide online price quotes and these smaller providers only sell coverage through independent agents.

We just presented some good ideas how to get a better price on Saturn VUE insurance in Virginia Beach. It’s most important to understand that the more price quotes you have, the better your comparison will be. You may even discover the lowest prices come from some of the lesser-known companies. Regional companies may cover specific market segments cheaper than their larger competitors like Allstate or State Farm.

How to find cheaper Saturn VUE insurance in Virginia Beach

Truthfully, the best way to get discount Saturn VUE insurance is to start doing an annual price comparison from insurance carriers who provide auto insurance in Virginia Beach. Price quotes can be compared by completing these steps.

1. Get an understanding of individual coverages and the modifications you can make to prevent rate increases. Many factors that result in higher rates like accidents, traffic violations, and an imperfect credit history can be controlled by improving your driving habits or financial responsibility.
2. Compare price quotes from direct carriers, independent agents, and exclusive agents. Direct companies and exclusive agencies can only give prices from one company like GEICO or Allstate, while independent agents can give you price quotes from many different companies.
3. Compare the new quotes to your existing rates to see if switching to a new carrier will save money. If you find better rates and switch companies, make sure coverage does not lapse between policies.
4. Give notification to your current company of your intent to cancel the current policy and submit a down payment along with a signed application for the new coverage. Don’t forget to keep the new proof of insurance paperwork along with the vehicle’s registration papers.

One piece of advice is to use similar coverage information on every quote and and to analyze as many carriers as you can. This ensures a level playing field and a complete rate analysis.

For more information, feel free to browse the resources below:

• Safety Features for Your New Car (State Farm)
• How Much is Car Insurance for Drivers with a DUI in Virginia Beach? (FAQ)
• What Car Insurance is Cheapest for a Kia Forte in Virginia Beach? (FAQ)
• Who Has the Cheapest Virginia Beach Auto Insurance for Seniors? (FAQ)
• Who Has the Cheapest Virginia Beach Auto Insurance for Drivers Over Age 70? (FAQ)
• Dangers of fake or stolen airbags (Insurance Institute for Highway Safety)
• What is Gap Insurance? (Insurance Information Institute)
• What Does No-Fault Insurance Cover? (Allstate)
• Drunk Driving Statistics (Insurance Information Institute)