Would you prefer to buy more competitive Saturn VUE insurance in Cleveland? Are you burned out from sacrificing other expenses to insure your Saturn every month? You have the same problem as many other Ohio consumers.
It’s shocking but nearly 70% of customers kept their coverage with the same car insurance company for more than four years, and just short of a majority have never even compared rates from other companies. Drivers in Ohio can save hundreds of dollars each year by just comparing quotes, but they won’t spend time to find cheaper car insurance rates.
Steps to finding the cheapest rates for Saturn VUE insurance in Cleveland
The best way to quote cheaper Saturn VUE insurance is to regularly compare quotes from insurers that sell auto insurance in Cleveland. Drivers can shop around by following these guidelines.
Step 1: Gain an understanding of car insurance and the steps you can take to keep rates down. Many things that result in higher rates such as traffic citations and a negative credit score can be remedied by making small lifestyle or driving habit changes. Later in this article we will cover additional tips to get cheaper coverage and find available discounts that you may qualify for.
Step 2: Request price quotes from independent agents, exclusive agents, and direct companies. Direct and exclusive agents can only quote rates from a single company like Progressive or Allstate, while agents who are independent can provide price quotes for a wide range of insurance providers.
Step 3: Compare the new rate quotes to your existing coverage and see if you can save money. If you find a better price and decide to switch, make sure coverage does not lapse between policies.
Step 4: Notify your company or agent to cancel your current coverage and submit the application along with any required down payment for your new coverage. When you receive it, put the proof of insurance certificate somewhere easily accessible.
An essential thing to point out is that you’ll want to make sure you compare the same coverage limits and deductibles on every quote and and to get rates from as many auto insurance providers as possible. This enables the most accurate price comparison and a complete price analysis.
Insurance companies such as State Farm, Farmers Insurance, GEICO and Allstate promote their brand names with TV and radio ads and consumers find it hard to see past the corporate glitz and do the work needed to find the best deal.
Smart consumers take time to compare premium rates quite often because rates are variable and change quite frequently. Even if you got the lowest premium rates on Saturn VUE insurance in Cleveland at your last renewal the chances are good that you can find a lower price today. You can search a lot of VUE insurance on the web, but in a few minutes you can learn some solid techniques on how to save money.
Cheap companies for Saturn VUE insurance in Ohio
The companies shown below are our best choices to provide free rate quotes in Ohio. To get cheap auto insurance in Cleveland, OH, we suggest you get price quotes from several of them to find the most affordable car insurance rates.
Rates and other information
The data table below highlights estimates of prices for Saturn VUE models. Being able to understand how car insurance prices are calculated is important to be able to make informed decisions when shopping around for a new policy.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Vue XE 2WD||$190||$284||$232||$14||$70||$790||$66|
|Vue XR 2WD||$190||$346||$232||$14||$70||$852||$71|
|Vue XR-L 2WD||$214||$346||$232||$14||$70||$876||$73|
|Vue XR AWD||$214||$346||$232||$14||$70||$876||$73|
|Vue XR-L AWD||$214||$408||$232||$14||$70||$938||$78|
|Get Your Own Custom Quote Go|
Prices based on married female driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Ohio minimum liability limits. Discounts applied include multi-vehicle, safe-driver, multi-policy, claim-free, and homeowner. Premium costs do not factor in specific garaging location which can raise or lower insurance rates significantly.
The illustration below illustrates how choosing a deductible and can affect Saturn VUE insurance rates for each different age group. Data assumes a married female driver, full physical damage coverage, and no discounts are taken into consideration.
Saturn VUE liability rates compared to full coverage
The example below visualizes the comparison of Saturn VUE car insurance rates with full physical damage coverage and with liability coverage only. The prices are based on no accidents or driving violations, $500 deductibles, single status, and no other discounts are factored in.
When to eliminate full coverage
There is no definitive formula of when to eliminate physical damage coverage on your policy, but there is a general convention. If the yearly cost of comp and collision coverage is more than 10% of any settlement you would receive from your insurance company, then you might want to think about dropping full coverage.
For example, let’s say your Saturn VUE claim settlement value is $5,000 and you have $1,000 policy deductibles. If your vehicle is destroyed, the most your company would pay you is $4,000 after the policy deductible has been paid. If you are paying more than $400 annually for comprehensive and collision coverage, then you might consider buying liability only.
There are some circumstances where only buying liability is not financially feasible. If you haven’t paid off your loan, you are required to maintain full coverage as part of the loan conditions. Also, if you cannot afford to purchase a different vehicle in the event your current vehicle is totaled, you should keep full coverage on your policy.
How do Car Insurance Companies Determine Saturn VUE Insurance Costs?
Many different elements are taken into consideration when you get a price on insurance. A few of the factors are predictable like a motor vehicle report, although others are more obscure like where you live or how safe your car is. It’s important that you understand the rating factors that help calculate the level of your policy premiums. When you know what positively or negatively determines premiums, this allows you to make educated decisions that can help you get lower rates.
Liability insurance risk factors – Your auto insurance policy’s liability coverage will afford coverage when a court rules you are at fault for damages from an accident. Your policy’s liability insurance provides for a legal defense up to the limits shown on your policy. Liability is cheap when compared to the cost of physical damage coverage, so drivers should carry high limits.
You might want pay the minor policy claims yourself – If you are a frequent claim filer, you can expect either higher rates or even cancellation. Insurance companies in Ohio generally give cheaper rates to drivers who file claims infrequently. Auto insurance is meant to be used in the event of larger claims.
Cautious drivers pay less – A bad driving record has a huge affect on how much you pay. Careful drivers pay lower auto insurance prices as compared to careless drivers. Just one driving citation may increase your cost to the point where it’s not affordable. Drivers with careless violations like DUI or reckless driving might be required by their state to complete a SR-22 with their state DMV in order to prevent their license from being revoked.
The diagram below highlights how traffic violations and accidents impact Saturn VUE insurance prices for each different age category. The rate quotes are based on a single male driver, comp and collision included, $250 deductibles, and no discounts are factored in.
Your career may increase prices – Did you know your auto insurance rates can be affected by your occupation? Occupations such as military generals, police officers, and accountants usually pay higher premiums than the average policyholder attributed to intense work situations and extremely grueling work hours. Other professions such as farmers, students and retirees get better rates.
Do you qualify for discounts?
Not too many consumers would say insurance is affordable, but there’s a good chance there are discounts that may help make it more affordable. Certain credits will be shown when you purchase, but a few need to be specifically requested prior to getting the savings.
- Paperless Signup – Some companies will discount your bill up to fifty bucks for buying your policy on the web.
- No Claims – Drivers who don’t have accidents have much lower rates in comparison with insureds who have frequent claims or accidents.
- Auto/Home Discount – When you combine your auto and home insurance with one company you could save at least 10 to 15 percent or more.
- Save with a New Car – Insuring a new VUE may earn a small discount because newer models are generally safer.
- Military Discounts – Being deployed with a military unit can result in better prices.
- Save over 55 – Mature drivers can get a discount up to 10%.
- Pay Upfront and Save – By paying your policy upfront rather than paying in monthly installments you can actually save on your bill.
- Discount for Life Insurance – Some insurance companies give a lower insurance rate if you buy a life policy as well.
- Student Driver Training – Teen drivers should successfully complete driver’s ed class in school.
You can save money using discounts, but most credits do not apply to the entire cost. A few only apply to the price of certain insurance coverages like comp or med pay. Despite the appearance that you can get free auto insurance, you’re out of luck.
The illustration below illustrates the comparison of Saturn VUE yearly insurance costs with and without policy discounts. The rates are based on a male driver, a clean driving record, no at-fault accidents, Ohio state minimum liability limits, comp and collision included, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, marriage, multi-policy, safe-driver, homeowner, and claim-free discounts applied.
For a list of providers offering insurance discounts in Ohio, click here to view.
Buying from insurance agencies
Certain consumers still like to get advice from a local agent and that can be a great decision A nice benefit of getting online price quotes is you can get cheap auto insurance quotes and still have an agent to talk to. And supporting local agents is definitely important in Cleveland.
To help locate an agent, after submitting this quick form, the coverage information is immediately sent to companies in Cleveland that give free quotes for your insurance coverage. You won’t even need to leave your house as quotes are delivered to you. You’ll get the best rates without a big time investment. If you need to get a comparison quote from a specific insurance company, just search and find their rate quote page and submit a quote form there.
Pick the best car insurance agent in Cleveland for you
If you are wanting to find a reliable insurance agency, you need to know there are two different types of agents and how they work. Agents can be classified as either exclusive or independent (non-exclusive).
Independent Agencies or Brokers
Independent agencies do not have single company limitations so they can insure your vehicles through many different auto insurance companies and help determine which has the cheapest rates. If you want to switch companies, the business is moved internally and you don’t have to do anything. If you are trying to find cheaper rates, we recommend you get some free quotes from at a minimum one independent agency to maximize your price options.
Below are independent agents in Cleveland who may provide competitive price quotes.
Exclusive Insurance Agencies
Agents that elect to be exclusive normally can only provide a single company’s rates like State Farm, Allstate, or Farmers Insurance. Exclusive agents cannot give you multiple price quotes so if the price isn’t competitive there isn’t much they can do. These agents receive extensive training on what they offer which can be an advantage.
The following is a list of exclusive agencies in Cleveland that are able to give price quotes.
Deciding on an insurance agent requires more thought than just a low price. The questions below may impact your decision as well.
- Will they make sure you get an adequate claim settlement?
- What is their Better Business Bureau rating?
- Will they give you a referral list?
- How many years of experience in personal auto insurance do they have?
- Where are claims handled?
- Do they get paid more for recommending certain coverages?
Your auto insurance coverage should be tailored to you
When quoting and choosing the right insurance coverage, there really isn’t a one-size-fits-all type of policy. You are unique.
For example, these questions can help discover whether you would benefit from professional advice.
- How much liability coverage do I need in Ohio?
- Does insurance cover damages from a DUI accident?
- Can I rate high risk drivers on liability-only vehicles?
- Is my dog or cat covered if injured in an accident?
- Does my liability insurance cover pulling a trailer or camper?
- Am I covered if I have no license?
- Does coverage extend to a rental car in a foreign country?
If you can’t answer these questions but a few of them apply, then you may want to think about talking to an agent. To find an agent in your area, complete this form.
One last thing to lower rates
Some insurance companies may not have price quotes online and many times these small, regional companies sell through independent agents. Lower-priced Saturn VUE insurance in Cleveland can be sourced on the web and from local agencies, so you should be comparing quotes from both to have the best selection.
When shopping online for car insurance, it’s not a good idea to reduce coverage to reduce premium. There have been many situations where consumers will sacrifice collision coverage and discovered at claim time they didn’t have enough coverage. Your strategy should be to find the BEST coverage at the lowest possible cost.
Insureds switch companies for a variety of reasons including delays in responding to claim requests, delays in paying claims, being labeled a high risk driver or denial of a claim. No matter why you want to switch, finding a great new company is not as difficult as it may seem.
Steps to saving on Saturn VUE insurance in Cleveland
The best way to get discount Saturn VUE insurance is to regularly compare price quotes from different companies in Cleveland.
- Spend some time learning about how insurance companies determine prices and the modifications you can make to prevent high rates. Many rating criteria that cause rate increases like traffic citations, accidents, and your credit history can be eliminated by making lifestyle changes or driving safer.
- Compare prices from exclusive agents, independent agents, and direct providers. Exclusive and direct companies can only give rate quotes from a single company like Progressive or Farmers Insurance, while agents who are independent can quote rates from multiple sources. View insurance agents
- Compare the new rates to the price on your current policy to see if a cheaper rate is available in Cleveland. If you can save some money, make sure there is no lapse in coverage.
- Provide proper notification to your current company of your intention to cancel your current policy and submit a down payment along with a signed application to your new carrier. Immediately keep your new certificate verifying proof of insurance in a readily accessible location in your vehicle.
A valuable tip to remember is to use the same liability limits and deductibles on every quote request and to quote with every insurance company. This helps ensure a fair price comparison and a complete price analysis.
To read more, take a look at the articles below:
- Insurance losses by make and model (Insurance Institute for Highway Safety)
- How Much is Cleveland Car Insurance for a Ford Fusion? (FAQ)
- Who Has Affordable Cleveland Auto Insurance Quotes for Low Income Drivers? (FAQ)
- How Much is Auto Insurance for State Employees in Cleveland? (FAQ)
- Distracted Driving (Insurance Information Institute)
- Older Drivers FAQ (iihs.org)