Affordable Saturn VUE Insurance in Seattle

Comparing Seattle auto insurance quotes online can seem complicated if you are like the majority of consumers and have never used online quoting. Don’t worry though because we’re going to show you how to find cheaper Saturn VUE in Seattle.

Insurance for Saturn VUEIt’s hard to believe, but nearly 70% of consumers kept their policy with the same company for well over three years, and approximately 38% of consumers have never compared rates with other companies. Most drivers in Seattle can save hundreds of dollars each year by just comparing rate quotes, but most just don’t grasp the large savings they would see if they switched to a more affordable policy.

Best companies for competitive Saturn VUE insurance in Washington

The companies in the list below are ready to provide free quotes in Seattle, WA. If multiple companies are shown, it’s highly recommended you visit several of them to get the lowest price.

Saturn VUE Insurance Cost Estimates in Seattle, WA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Vue XE 2WD $254 $376 $294 $18 $88 $1,030 $86
Vue XR 2WD $122 $248 $334 $20 $100 $824 $69
Vue XR-L 2WD $202 $304 $300 $18 $90 $914 $76
Vue XR AWD $232 $380 $398 $24 $120 $1,154 $96
Vue XR-L AWD $278 $530 $300 $18 $90 $1,216 $101
Get Your Own Custom Quote Go

Data rating is based on married female driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Washington minimum liability limits. Discounts applied include multi-vehicle, homeowner, claim-free, multi-policy, and safe-driver. Premium costs do not factor in Seattle location which can revise insurance rates substantially.

Car insurance premiums based on gender

The illustration below illustrates the difference between Saturn VUE yearly insurance costs for male and female drivers. The data is based on no violations or claims, comprehensive and collision coverage, $250 deductibles, drivers are not married, and no other discounts are factored in.

Where to set your deductibles

One frequently asked question is which deductible level should you buy. The rates below sum up how much more you’ll pay between high and low policy deductibles. The first set of rates uses a $250 deductible for comp and collision and the second set of prices uses a $500 deductible.

Saturn VUE insurance policy rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Vue XE 2WD $228 $316 $294 $18 $88 $969 $81
Vue XR 2WD $228 $384 $294 $18 $88 $1,037 $86
Vue XR-L 2WD $258 $384 $294 $18 $88 $1,067 $89
Vue XR AWD $258 $384 $294 $18 $88 $1,067 $89
Vue XR-L AWD $258 $452 $294 $18 $88 $1,135 $95
Get Your Own Custom Quote Go

Saturn VUE insurance policy rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Vue XE 2WD $186 $254 $294 $18 $88 $840 $70
Vue XR 2WD $186 $310 $294 $18 $88 $896 $75
Vue XR-L 2WD $208 $310 $294 $18 $88 $918 $77
Vue XR AWD $208 $310 $294 $18 $88 $918 $77
Vue XR-L AWD $208 $364 $294 $18 $88 $972 $81
Get Your Own Custom Quote Go

Data rating is based on married male driver age 30, no speeding tickets, no at-fault accidents, and Washington minimum liability limits. Discounts applied include safe-driver, homeowner, claim-free, multi-vehicle, and multi-policy. Rate quotes do not factor in the specific area where the vehicle is garaged which can affect premium rates substantially.

Based on these figures, using a $250 deductible costs roughly $12 more each month or $144 for a full year than requesting 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 average at least 21 months between claims, you would save more money by going with a higher deductible.

Earn discounts on Seattle insurance

Insuring your fleet can be pricey, but there could be available discounts to reduce the price significantly. Certain discounts will be applied at the time of purchase, but some must be specially asked for prior to receiving the credit.

Remember that most credits do not apply to the whole policy. A few only apply to the price of certain insurance coverages like comprehensive or collision. Even though it may seem like adding up those discounts means a free policy, company stockholders wouldn’t be very happy.

Companies that have many of the previously listed discounts include:

When getting a coverage quote, ask each company or agent the best way to save money. Some of the discounts discussed earlier may not apply to policyholders in Seattle.

Get rate quotes but work with a local Seattle insurance agency

Many drivers just want to sit down and talk to an agent and doing so can bring peace of mind One of the best bonuses of getting online price quotes is that drivers can save money and get lower auto insurance rates and still have a local agent. Putting coverage with local agencies is definitely important in Seattle.

Seattle insurance agentsAfter completing this short form, the quote information is transmitted to local insurance agents that can give you free Seattle auto insurance quotes to get your business. You don’t have to drive around as quotes are delivered immediately to your email address. It’s the lowest rates and a licensed agent to talk to. If for some reason you want to get a rate quote from a specific insurance company, you just need to visit that company’s website to submit a rate quote request.

If you prefer to buy car insurance from a local Seattle insurance agent, it’s helpful to know the different types of agents and how they differ in how they can insure your vehicles. Car insurance agents in Seattle can be classified as either independent or exclusive.

Independent Agents (or Brokers)

Agents of this type often have affiliation with several companies and that enables them to quote your coverage with lots of companies and get you the best rates possible. To transfer your coverage to a different company, your agent can just switch to a different company and you can keep the same agent.

When comparing car insurance prices, we highly recommend that you get insurance quotes from a couple of independent agencies to have the most options to choose from. A lot of them also have access to lesser-known insurance companies which may have better rates.

Shown below is a small list of independent agents in Seattle that can possibly get you price quotes.

More Seattle agents

Exclusive Insurance Agents

Agents that choose to be exclusive can only place business with one company like Allstate, Farmers Insurance, State Farm, and AAA. They generally cannot give you multiple price quotes so if the price isn’t competitive there isn’t much they can do. These agents receive a lot of sales training in insurance sales which helps them sell insurance even at higher premiums. Some consumers prefer to purchase coverage from exclusives mostly because of the brand legacy and solid financial strength.

The following are exclusive agencies in Seattle who can help you get comparison quotes.

More Seattle agents

Choosing the best insurance agent should depend on more than just a cheap price. Agents should be asked these questions:

Detailed coverages of your car insurance policy

Knowing the specifics of your car insurance policy helps when choosing appropriate coverage at the best deductibles and correct limits. Policy terminology can be ambiguous and nobody wants to actually read their policy.

Liability auto insurance

This coverage can cover damage that occurs to a person or their property by causing an accident. It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see liability limits of 25/50/10 that means you have $25,000 in coverage for each person’s injuries, a per accident bodily injury limit of $50,000, and a total limit of $10,000 for damage to vehicles and property. Some companies may use a combined single limit or CSL which provides one coverage limit rather than limiting it on a per person basis.

Liability insurance covers things such as loss of income, pain and suffering and emergency aid. How much liability coverage do you need? That is a decision to put some thought into, but you should buy as much as you can afford. Washington requires drivers to carry at least 25/50/10 but you should consider buying higher limits.

Medical payments coverage and PIP

Med pay and PIP coverage kick in for immediate expenses like prosthetic devices, surgery, X-ray expenses and pain medications. They are often utilized in addition to your health insurance program or if you are not covered by health insurance. It covers not only the driver but also the vehicle occupants as well as being hit by a car walking across the street. Personal injury protection coverage is not available in all states and may carry a deductible

Uninsured/Underinsured Motorist coverage

This coverage protects you and your vehicle when the “other guys” are uninsured or don’t have enough coverage. Covered claims include injuries sustained by your vehicle’s occupants and also any damage incurred to your Saturn VUE.

Due to the fact that many Washington drivers only carry the minimum required liability limits (25/50/10 in Washington), it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Normally these limits are similar to your liability insurance amounts.

Collision coverage

Collision insurance will pay to fix damage to your VUE resulting from a collision with an object or car. You first must pay a deductible then your collision coverage will kick in.

Collision coverage protects against claims such as crashing into a building, sideswiping another vehicle, crashing into a ditch, driving through your garage door and hitting a parking meter. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are 8 years or older. Drivers also have the option to raise the deductible on your VUE to bring the cost down.

Comprehensive coverage

Comprehensive insurance coverage will pay to fix damage that is not covered by collision coverage. 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 rock chips in glass, hitting a bird, damage from getting keyed and fire damage. The most you’ll receive from a claim is the market value of your vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Don’t give up on cheaper premiums

People who switch companies do it for any number of reasons including high prices, delays in responding to claim requests, delays in paying claims and even not issuing a premium refund. It doesn’t matter what your reason, finding a new company can be easier than you think.

We just presented many tips how you can reduce Saturn VUE insurance premium rates online in Seattle. The most important thing to understand is the more quotes you get, the better likelihood of getting low cost Seattle auto insurance quotes. You may even be surprised to find that the most savings is with a lesser-known regional company.

When searching for affordable Seattle auto insurance quotes, it’s a bad idea to buy less coverage just to save a little money. There are too many instances where someone sacrificed physical damage coverage only to find out that a couple dollars of savings turned into a financial nightmare. Your strategy should be to purchase a proper amount of coverage at the best possible price, not the least amount of coverage.

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