Would you like to buy low-cost Saturn VUE insurance in Phoenix? Searching for better insurance prices for your Saturn VUE in Arizona can turn out to be a painful process, but you can follow a few tricks to make it easier. There is a right way and a wrong way to compare car insurance rates so we’re going to tell you the proper way to get price quotes for a new or used Saturn and find the cheapest rates.
Unimaginable but true, almost 70% of drivers kept buying from the same company for more than four years, and nearly half have never quoted rates to find lower-cost coverage. Most drivers in Phoenix could pocket 50% a year just by comparing rates, but they just assume it takes a lot of time to find lower-cost insurance by shopping around.
Consumers need to do rate comparisons occasionally since prices go up and down regularly. Just because you had the lowest rates on Saturn VUE insurance in Phoenix six months ago you can probably find a better premium rate now. Block out anything you think you know about car insurance because we’re going to show you one of the quickest ways to remove unneeded coverages and save money.
Best companies for Saturn VUE insurance
The auto insurance companies shown below are ready to provide price quotes in Arizona. If multiple companies are listed, we suggest you visit two to three different companies in order to get a fair rate comparison.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Vue XE 2WD | $110 | $168 | $282 | $16 | $84 | $660 | $55 |
| Vue XR 2WD | $158 | $302 | $404 | $24 | $122 | $1,010 | $84 |
| Vue XR-L 2WD | $238 | $360 | $308 | $18 | $92 | $1,016 | $85 |
| Vue XR AWD | $202 | $324 | $282 | $16 | $84 | $908 | $76 |
| Vue XR-L AWD | $228 | $466 | $288 | $18 | $86 | $1,086 | $91 |
| Get Your Own Custom Quote Go | |||||||
Data based on married male driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Arizona minimum liability limits. Discounts applied include claim-free, multi-policy, multi-vehicle, safe-driver, and homeowner. Estimates do not factor in vehicle location which can lower or raise rates significantly.
Policy deductibles
One of the hardest decisions when shopping for auto insurance is how high should the physical damage coverage deductibles be. The figures shown below determine the rate fluctuation when you buy lower versus higher insurance deductibles. The first set of prices uses a $250 physical damage deductible and the second price grid uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Vue XE 2WD | $232 | $320 | $300 | $18 | $90 | $985 | $82 |
| Vue XR 2WD | $232 | $390 | $300 | $18 | $90 | $1,055 | $88 |
| Vue XR-L 2WD | $262 | $390 | $300 | $18 | $90 | $1,085 | $90 |
| Vue XR AWD | $262 | $390 | $300 | $18 | $90 | $1,085 | $90 |
| Vue XR-L AWD | $262 | $460 | $300 | $18 | $90 | $1,155 | $96 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Vue XE 2WD | $188 | $258 | $300 | $18 | $90 | $854 | $71 |
| Vue XR 2WD | $188 | $314 | $300 | $18 | $90 | $910 | $76 |
| Vue XR-L 2WD | $212 | $314 | $300 | $18 | $90 | $934 | $78 |
| Vue XR AWD | $212 | $314 | $300 | $18 | $90 | $934 | $78 |
| Vue XR-L AWD | $212 | $370 | $300 | $18 | $90 | $990 | $83 |
| Get Your Own Custom Quote Go | |||||||
Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Arizona minimum liability limits. Discounts applied include safe-driver, multi-policy, multi-vehicle, claim-free, and homeowner. Premium amounts do not factor in Phoenix location which can change coverage rates significantly.
Using the premium rates above, we can conclude that using a $250 deductible will cost you roughly $12 more each month or $144 each year than requesting the higher $500 deductible. Since you would pay $250 more out-of-pocket with a $500 deductible as compared to a $250 deductible, if you tend to go more than 21 months between claim filings, you would come out ahead going with the higher deductible.
Deductible comparison
The illustration below illustrates how your choice of deductibles and can impact Saturn VUE insurance costs for each different age category. The prices are based on a single male driver, comprehensive and collision coverage, and no other discounts are factored in.
Insurance discounts help lower rates for Saturn VUE insurance in Phoenix
Car insurance companies don’t list all their discounts in a way that’s easy to find, so the list below gives a summary of some of the more common and also the lesser-known discounts that you can inquire about if you buy Phoenix auto insurance online.
- Bundled Policy Discount – If you combine your auto and home policies with one company you may earn at least 10% off all policies.
- Seat Belt Usage – Forcing all vehicle occupants to fasten their seat belts may be able to save a few bucks off the medical payments premium.
- Smart Student Discounts – Maintaining excellent grades may save as much as 25% on a Phoenix auto insurance quote. Many companies even apply the discount to college students up until you turn 25.
- Telematics Data – Drivers that enable driving data collection to spy on driving manner by using a small device installed in their vehicle such as State Farm’s In-Drive may get a rate reduction as long as the data is positive.
- Cautious Driver Discount – Insureds who avoid accidents may receive a discount up to 45% compared to accident prone drivers.
- Claim Free – Insureds with no claims or accidents have much lower rates as opposed to bad drivers.
- Air Bags and Passive Restraints – Factory air bags or automatic seat belts may qualify for discounts of 20% or more.
- Student Discount for Driver Training – Teen drivers should participate in a local driver’s education class if offered at their school.
- Payment Method – By paying your policy upfront instead of paying each month you can avoid the installment charge.
Don’t be surprised that some credits don’t apply to the overall cost of the policy. Most only reduce the cost of specific coverages such as comprehensive or collision. Despite the fact that it seems like adding up those discounts means a free policy, it doesn’t quite work that way.
To find insurance companies who offer online Saturn VUE insurance quotes in Arizona, follow this link.
When should I contact an insurance agent?
Many people would prefer to get professional advice from a licensed agent and doing that can be a smart decision Licensed agents can help determine the best coverages and help you file claims. A nice benefit of comparing rates online is you may find the lowest rates but also keep your business local.
Upon completion of this form (opens in new window), your insurance coverage information is instantly submitted to companies in Phoenix who will give you bids to get your business. It’s much easier because you don’t need to find an agent since price quotes are sent instantly to you. If you wish to compare prices from a particular provider, you can always find their quoting web page and complete a quote there.
Picking the best provider needs to be determined by more than just a cheap price. The questions below may impact your decision as well.
- Is there a Errors and Omissions policy in force?
- How will an accident affect your rates?
- Are you getting all the discounts the company offers?
- Which insurance company do they prefer to write with?
- How long has the business existed?
- Do they make recommendations based only on price?
- Are they able to influence company decisions when a claim is filed?
- Is every driver in your family covered?
If you want to buy insurance from a reliable insurance agent, it helps to know the two types of insurance agents from which to choose. Agencies in Phoenix are categorized either independent or exclusive. Either one can properly insure your vehicles, but it’s important to know how they are different since it may influence your selection of an agent.
Exclusive Insurance Agencies
Exclusive agencies can only quote rates from one company and examples are Allstate, Farmers Insurance, State Farm, and AAA. They are unable to provide prices from multiple companies so you need to shop around if the rates are high. Exclusive agents are well trained on their company’s products which helps them sell insurance even at higher premiums. Some people will only buy from exclusive agents mainly due to the prominent brand name and the convenience of having all coverages with one company.
The following are exclusive agencies in Phoenix that are able to give price quote information.
- Jerry Wood – State Farm Insurance Agent
3738 E Thomas Rd – Phoenix, AZ 85018 – (602) 955-3284 – View Map - Martha Bueti – State Farm Insurance Agent
3540 E Baseline Rd #115 – Phoenix, AZ 85042 – (602) 243-9209 – View Map - Eric Hamilton – State Farm Insurance Agent
10265 W Camelback Rd #120 – Phoenix, AZ 85037 – (623) 848-3048 – View Map
Independent Insurance Agents
Agents of this type do not sell for just one brand and that gives them the ability to insure with multiple insurance companies and potentially find a lower price. To move your coverage to a new company, they simply move the coverage in-house and you won’t have to switch agencies.
When comparing insurance prices, you will want to contact multiple independent agents in order to have the best price comparison. Many can place coverage with smaller mutual companies that can offer cheaper rates than bigger companies.
Below are Phoenix independent agencies that are able to give rate quotes.
- Independent Insurance Agents
333 E Flower St – Phoenix, AZ 85012 – (602) 956-1851 – View Map - Travelers Insurance
22601 N 19th Ave #216 – Phoenix, AZ 85027 – (623) 572-0032 – View Map - MiniCo Insurance Agency, LLC
10851 N Black Canyon Hwy #200 – Phoenix, AZ 85029 – (800) 528-1056 – View Map
The ad said I’d save $491 a year!
Consumers can’t ignore all the ads for the lowest price insurance by Progressive, GEICO, Allstate and State Farm. They all seem to make the point that people will save if you get a free Phoenix auto insurance quote and switch to their company.
How does each company make the same claim?
Companies look for specific characteristics for the right customer that is profitable for them. A good example of a profitable risk profile might be over the age of 40, has no tickets, and has great credit. Any customer who matches that profile will qualify for the lowest premium rates in Phoenix and have a good chance to cut their Saturn VUE insurance rates if they switch.
People who do not fit those criteria will probably be forced to pay a higher premium and this results in the driver buying from a lower-cost company. If you listen closely, the ads state “customers that switch” not “everybody who quotes” save that much when switching. That’s why companies can truthfully advertise the savings. Because of this risk profiling, you absolutely need to compare price quotes frequently. You cannot predict which insurance companies will provide you with the cheapest Saturn VUE insurance in Phoenix.
Cover all your bases
You just read some good ideas how you can reduce Saturn VUE insurance car insurance rates online in Phoenix. The key thing to remember is the more providers you compare, the better likelihood of getting cheaper Phoenix auto insurance quotes. You may even find the biggest savings come from the smaller companies.
More affordable auto insurance in Phoenix is attainable online and with local Phoenix insurance agents, so you need to shop Phoenix auto insurance with both so you have a total pricing picture. Some auto insurance companies may not provide rates over the internet and most of the time these small insurance companies sell through independent insurance agents.
Drivers switch companies for any number of reasons including high prices, delays in responding to claim requests, high rates after DUI convictions or extreme rates for teen drivers. Whatever your reason, finding a new company is pretty easy and you might even save some money in the process.
More detailed auto insurance information is available by following these links:
- What Determines the Price of My Auto Insurance Policy? (Insurance Information Institute)
- Who Has the Cheapest Auto Insurance Rates for a School Permit in Phoenix? (FAQ)
- What Insurance is Cheapest for Infrequent Drivers in Phoenix? (FAQ)
- Who Has Cheap Phoenix Auto Insurance Rates for Drivers Over Age 70? (FAQ)
- How Much are Auto Insurance Quotes for a Hyundai Santa Fe in Phoenix? (FAQ)
- Vehicle Insurance (Wikipedia)
- When is the Right Time to Switch Car Insurance Companies? (Allstate)