It’s well known that auto insurance companies want to keep you from shopping around. Drivers who shop around for cheaper rates are inclined to switch companies because they have a good chance of finding a cheaper policy. A study discovered that people who regularly compared price quotes saved on average $865 a year compared to people who never compared prices.
If finding the lowest price on Saturn VUE insurance in Scottsdale is your objective, then having a good understanding the best way to shop and compare insurance premiums can help make the process easier.
If your goal is the lowest price, then the best way to get more affordable auto insurance rates is to do an annual price comparison from insurers in Scottsdale. You can compare rates by following these steps.
First, gain an understanding of what coverages are included in your policy and the changes you can make to prevent expensive coverage. Many factors that are responsible for high rates like accidents, careless driving, and an imperfect credit history can be improved by making minor driving habit or lifestyle changes.
Second, compare prices from direct carriers, independent agents, and exclusive agents. Exclusive and direct companies can give quotes from one company like Progressive or Allstate, while agents who are independent can quote prices for a wide range of insurance providers.
Third, compare the price quotes to your existing coverage and determine if cheaper VUE coverage is available in Scottsdale. If you find a better price, make sure the effective date of the new policy is the same as the expiration date of the old one.
One thing to remember is that you’ll want to compare the same deductibles and limits on each quote request and and to get price quotes from as many companies as you can. This provides the most accurate price comparison and maximum price selection.
To find low cost Scottsdale car insurance quotes, there are several ways of comparing rates from all the different companies. The easiest way by far to find affordable Saturn VUE insurance rates is to perform an online rate comparison.
Doing price comparisons online is so simple that it takes the place of having to call or drive to different Scottsdale agent offices. Shopping for car insurance online has made agencies unnecessary unless your situation requires the professional advice of a local agency. However, consumers can price shop your coverage online but still have the advice of a local agent.
When comparing car insurance rates, know that comparing more quotes helps locate a lower rate. Some companies don’t provide Scottsdale VUE insurance quotes online, so it’s important to compare price estimates from them, too.
The companies shown below offer price quotes in Arizona. To get the cheapest auto insurance in Arizona, we suggest you click on several of them to get the best price comparison.
Get cheaper rates by earning discounts
Car insurance is not cheap, but there may be some discounts that can drop the cost substantially. Most are applied when you complete an application, but a few must be inquired about before they will apply.
- Accident Free – Scottsdale drivers who stay claim-free can earn big discounts when compared with accident-prone drivers.
- Life Insurance Discount – Not every insurance company offers life insurance, but if they do you may earn a break if you buy auto and life insurance together.
- Multi-car Discount – Purchasing coverage when you have more than one vehicle on one policy can reduce rates for all insured vehicles.
- Early Renewal Discounts – Some companies reward drivers for switching companies before your current expiration date. It could save around 10% when you buy Scottsdale car insurance online.
- Low Mileage Discounts – Low annual miles may enable drivers to earn lower car insurance rates on the low mileage vehicles.
- Membership in Organizations – Having an affiliation with qualifying clubs or civic groups could qualify you for a break on your next renewal.
- Telematics Discount – People who choose to allow their company to monitor vehicle usage through the use of a telematics system such as State Farm’s In-Drive could see a rate decrease if they have good driving habits.
Don’t be shocked that many deductions do not apply to all coverage premiums. Some only reduce specific coverage prices like collision or personal injury protection. So even though it sounds like you could get a free car insurance policy, you’re out of luck. But all discounts will bring down the cost of your policy.
The information below visualizes the comparison of Saturn VUE auto insurance rates with and without discounts. The premiums assume a female driver, no claims or driving citations, Arizona state minimum liability limits, full coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, homeowner, safe-driver, multi-policy, claim-free, and marriage discounts applied.
The best car insurance companies and their possible discounts are included below.
- State Farm discounts include Steer Clear safe driver discount, multiple autos, accident-free, good driver, safe vehicle, and driver’s education.
- GEICO policyholders can earn discounts including seat belt use, defensive driver, federal employee, anti-theft, multi-vehicle, membership and employees, and driver training.
- SAFECO offers premium reductions for safe driver, multi-car, teen safety rewards, accident prevention training, and anti-lock brakes.
- Farmers Insurance has discounts for distant student, teen driver, switch companies, youthful driver, mature driver, and electronic funds transfer.
- AAA includes discounts for pay-in-full, good student, multi-policy, education and occupation, good driver, and AAA membership discount.
- USAA may include discounts for driver training, multi-policy, loyalty savings, safe driver, and family discount.
If you need the cheapest Saturn VUE rate quotes, ask all companies you are considering the best way to save money. Savings may not apply in Scottsdale.
Detailed insurance information
The information shown below showcases a range of insurance premium costs for Saturn VUE models. Having insight into how policy premiums are calculated can assist in making smart choices when selecting a policy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Vue XE 2WD | $200 | $330 | $338 | $20 | $102 | $990 | $83 |
| Vue XR 2WD | $200 | $402 | $338 | $20 | $102 | $1,062 | $89 |
| Vue XR-L 2WD | $224 | $402 | $338 | $20 | $102 | $1,086 | $91 |
| Vue XR AWD | $224 | $402 | $338 | $20 | $102 | $1,086 | $91 |
| Vue XR-L AWD | $224 | $474 | $338 | $20 | $102 | $1,158 | $97 |
| Get Your Own Custom Quote Go | |||||||
Premium data assumes single male driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Arizona minimum liability limits. Discounts applied include multi-vehicle, homeowner, claim-free, safe-driver, and multi-policy. Premium costs do not factor in your specific Scottsdale location which can increase or decrease premium rates considerably.
Higher deductibles save money
One frequently asked question is how high should the physical damage deductibles be. The comparisons below lay out the premium difference when you buy lower versus higher coverage deductibles. The first price estimate table uses a $250 deductible and the second data table 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 | |||||||
Data variables include married male driver age 30, no speeding tickets, no at-fault accidents, and Arizona minimum liability limits. Discounts applied include multi-vehicle, claim-free, multi-policy, safe-driver, and homeowner. Premium costs do not factor in vehicle location which can influence prices significantly.
Based on this data, using a $250 deductible will cost you roughly $12 more each month or $144 a year than requesting the higher $500 deductible. Since you would have to pay $250 more if you file a claim with a $500 deductible as compared to a $250 deductible, if you tend to have at a minimum 21 months between claims, you would come out ahead if you elect the higher deductible.
The information below illustrates how your choice of deductibles and can change Saturn VUE insurance prices for different age categories. The price estimates are based on a single male driver, full coverage, and no discounts are applied to the premium.
Impact of speeding/accidents on Scottsdale insurance rates
The information below demonstrates how citations and fender-benders can impact Saturn VUE car insurance costs for different insured age categories. The premiums are based on a married female driver, comp and collision included, $1,000 deductibles, and no discounts are applied to the premium.
Insurance rates by age and gender in Scottsdale
The illustration below shows the comparison of Saturn VUE auto insurance costs for male and female drivers. The price estimates are based on no claims or driving citations, full coverage, $1,000 deductibles, drivers are not married, and no additional discounts are factored in.
Does it make sense to buy full coverage?
The chart below shows the difference between Saturn VUE auto insurance costs with full physical damage coverage compared to only buying liability only. The premiums are based on no claims or driving citations, $500 deductibles, drivers are not married, and no discounts are applied to the premium.
When to eliminate full coverage
There is no set guideline for excluding comp and collision coverage, but there is a broad guideline. If the annual cost of having full coverage is more than around 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 replacement cost is $4,000 and you have $1,000 physical damage deductibles. If your vehicle is totaled, the most you would get paid by your company is $3,000 after the deductible is paid. If premium cost is more than $300 a year for full coverage, then you may need to consider dropping full coverage.
There are some cases where dropping physical damage coverage is not advised. If you still owe a portion of the original loan, you have to carry full coverage as part of the loan requirements. Also, if you can’t afford to buy a different vehicle if your current one is totaled, you should keep full coverage in place.
Ratings for Scottsdale auto insurance companies
Finding a high-quality insurance provider can be difficult considering how many choices there are in Scottsdale. The ranking information in the lists below can help you decide which car insurance companies to look at comparing prices from.
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| USAA | 98 | 100 | 100 | 94% | A++ | 98.6 |
| American Family | 98 | 89 | 100 | 86% | A | 95.4 |
| State Farm | 88 | 93 | 96 | 90% | A++ | 92.4 |
| The Hartford | 94 | 92 | 90 | 89% | A+ | 91.7 |
| AAA Insurance | 88 | 89 | 95 | 91% | A | 91.2 |
| GEICO | 84 | 93 | 93 | 89% | A++ | 90.3 |
| The General | 89 | 91 | 89 | 88% | A- | 90 |
| Titan Insurance | 90 | 87 | 91 | 95% | A+ | 89.6 |
| Progressive | 84 | 91 | 93 | 87% | A+ | 89.5 |
| Mercury Insurance | 88 | 91 | 90 | 85% | A+ | 89.4 |
| Allstate | 85 | 90 | 92 | 88% | A+ | 89.3 |
| Nationwide | 87 | 88 | 84 | 90% | A+ | 88.7 |
| Liberty Mutual | 84 | 87 | 93 | 88% | A | 88.5 |
| 21st Century | 85 | 86 | 87 | 88% | A | 86.7 |
| Esurance | 85 | 80 | 95 | 87% | A+ | 85.9 |
| Safeco | 85 | 85 | 85 | 86% | A | 85.8 |
| Travelers | 80 | 87 | 87 | 83% | A++ | 85.2 |
| Farmers Insurance | 78 | 87 | 88 | 79% | A | 84.3 |
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Data Source: Insure.com Best Car Insurance Companies
Why Smart Buyers Pay Less for Saturn VUE Insurance
One of the most helpful ways to save on insurance is to to have a grasp of some of the factors that come into play when calculating insurance rates. If you know what impacts premium levels, this helps enable you to make changes that will entitle you to lower insurance prices. Lots of things are part of the calculation when premium rates are determined. Some are pretty understandable like a motor vehicle report, although some other factors are not as apparent such as your credit history or your commute time.
The factors shown below are a partial list of the pieces companies use to determine your prices.
Does your occupation cost you more? – Did you know your insurance rates can be affected by your occupation? Careers such as real estate brokers, air traffic controllers, and medical professionals tend to have higher rates than the rest of us due to intense work requirements and long work hours. Conversely, jobs like actors, athletes and homemakers get better rates.
Physical damage deductibles – Insurance for physical damage, commonly called comprehensive (or other-than-collision) and collision coverage, is used to repair damage to your Saturn. Some instances where coverage would apply are a broken side mirror, hail damage, and having your car stolen. The deductibles you choose define how much you are willing to pay if a covered claim is submitted. The more damage repair cost the insured has to pay upfront, the less your insurance will be.
Drive lots and pay more – The more you drive your Saturn in a year’s time the more you’ll pay to insure your vehicle. A lot of insurance companies calculate rates based upon how the vehicle is primarily used. Cars and trucks left parked in the garage cost less to insure than vehicles that have high annual mileage. A policy that improperly rates your VUE is throwing money out the window. Double check that your insurance declarations sheet is rated on the correct usage, because it can save money.
Eliminate extra coverages – There are quite a few additional extra coverages that can waste your money when buying insurance. Add-on coverages like rental car coverage, towing, and additional equipment coverage are examples of these. You may think they are a good idea when buying your policy, but if they’re wasting money remove them from your policy.
Insurance is expensive for youthful drivers – Mature drivers have been proven to be more responsible, tend to cause fewer accidents, and usually have better credit. Drivers with little experience have a tendency to be careless and easily distracted in a vehicle so insurance rates are higher.
The data below assumes a single driver, full coverage with $250 deductibles, and no discounts or violations.