Car Insurance Quotes for the Saturn Vue

Saturn Vue owners aren’t looking for a snazzy race car. They want a reliable, comfortable and safe car for a good price. The Saturn Vue receives high marks from owners who appreciate those features.

Now that you own your Saturn Vue, it’s time to look into obtaining auto insurance. Monthly premiums for the Vue run between $97 and $147, although those numbers can change based on many factors.

As you begin your search for coverage for your car, keep in mind that the expert agents at Freeway Insurance are well-versed in the industry and can help you find the cheapest car insurance to fit your family’s needs and budget.

You may have heard of terms such as collision, liability, or MedPay. These are all among the different types of car insurance coverage available. Some are mandatory, while others are optional. Your monthly premiums will vary based on which of these options you choose. Everything from your driving record to how much you use your car will also affect the cost of your policy.

Full Coverage

Choosing a full coverage policy gives you a great deal of protection. It includes protection for damage you cause to others and their property in an auto accident. It also comes with collision, which covers damages to your vehicle — even if you’re at fault for the accident. Another great feature included is comprehensive coverage. This pays for your vehicle if it’s stolen, damaged due to a natural disaster, or suffers other damage unrelated to a car crash. For the Saturn Vue, the cost of a full coverage policy averages $147 per month.

State Minimum Liability

State minimum liability car coverage gives you the most basic protection based on your state’s laws. If you buy car insurance in Oregon, for example, you must carry bodily injury coverage of at least $25,000 for one person and $50,000 per accident that injures two or more persons, as well as a minimum of $20,000 for property damage liability.

While this comes with a low price tag of $97 monthly on average and satisfies state guidelines, that doesn’t necessarily mean this is enough coverage. It is very easy to surpass the dollar amounts you’re covered for if you’re in a significant accident, and you would have to pay the balance of the damages out of pocket.

Insurance underwriters look at many variables when determining premium amounts. Here are a few of them:

Annual Mileage

As you drive more miles, the possibility of getting into an accident increases. Therefore, insurers look at how many miles you put in as they calculate your rate.

Claims History

If you’ve filed a lot of claims in the past, insurers will view you as likely to file a claim under their coverage and will charge you accordingly.

Where You Live

Where you live makes a huge difference to insurers due to multiple factors. For example, every state has different coverage requirements, labor costs, and accident rates, which all affect how much it will cost the insurer to cover your vehicle.

If you drink and drive, you can get into a lot of trouble with the law. A DUI conviction will lead to your insurer labeling you a high-risk driver and will increase your premium cost significantly. You will also have to spend money on filing an SR-22 certificate.

It’s important to ask your agent what type of discounts might be available to you. For example, if you get your vehicle and homeowner’s coverage from the same insurer, you might get a multi-policy car insurance discount. Don’t get any tickets or into any accidents and you’ll be rewarded with a safe driver discount.

Here are a few more examples:

The Saturn Vue is a sporty crossover introduced in 2002 and discontinued in 2010. It has a roomy interior for a five-passenger vehicle and the optional V-6 engine for a car this size gives it quite some kick.