Find Cheaper Saturn VUE Insurance in Riverside

If saving the most money is your goal, then the best way to get the cheapest Saturn VUE insurance in Riverside is to compare prices once a year from companies who can sell car insurance in California.

• First, try to understand what coverages are included in your policy and the measures you can take to keep rates down. Many rating criteria that result in higher rates like accidents, traffic violations, and a negative credit history can be rectified by making lifestyle changes or driving safer. This article gives additional tips to find cheap rates and find missing discounts.
• Second, get rate quotes from exclusive agents, independent agents, and direct providers. Direct and exclusive agents can give quotes from one company like GEICO or Allstate, while agents who are independent can give you price quotes from multiple sources.
• Third, compare the new rate quotes to your existing coverage to see if a cheaper price is available. If you find a better price, make sure coverage does not lapse between policies.
• Fourth, provide notification to your current agent or company to cancel your existing policy and submit the required down payment along with the signed application to your new agent or company. Immediately upon receiving it, place the new certificate verifying coverage in an easily accessible location.

An important part of this process is to try to compare the same deductibles and limits on each price quote and to quote with as many companies as feasibly possible. This provides an apples-to-apples comparison and the best price quote selection.

It’s well known that insurance companies don’t want you comparing rates. People who compare price quotes are very likely to buy a different policy because there is a good chance of finding good coverage at a lower price. Surprisingly, a recent survey revealed that people who regularly compared rates saved $70 a month compared to drivers who don’t make a habit of comparing rates.

If finding the cheapest price for car insurance is the reason you’re here, then having some insight into how to get price quotes and compare insurance coverage can help you succeed in saving money.

If you have insurance now, you will definitely be able to buy cheaper insurance using the ideas presented in this article. This article’s goal is to familiarize you with how car insurance companies work. Although California vehicle owners can benefit by having an understanding of how big insurance companies charge you for coverage and use this information to your advantage.

Quote Saturn VUE Insurance More Affordably

Many things are considered when pricing auto insurance. Some are pretty understandable like your driving record, but other factors are less apparent such as your credit history or how financially stable you are. Part of the insurance buying process is learning some of the elements that aid in calculating the rates you pay for insurance. If you know what determines premiums, this allows you to make educated decisions that can help you get much lower annual insurance costs.

The itemized list below are some of the most common factors used by companies to determine rates.

• Reduce prices by driving safer cars – Safer cars cost less to insure. Vehicles built for safety protect occupants better and lower injury rates means your insurance company pays less passed on to you as lower rates. If your Saturn VUE earned at least an “acceptable” rating on the Insurance Institute for Highway Safety website it may be receiving lower rates.
• Don’t skimp on liability protection – The liability coverage on your policy is the coverage that protects you in the event that a court rules you are at fault for causing damage or personal injury in an accident. Liability provides legal defense which can be incredibly expensive. Liability insurance is pretty cheap compared to insuring for physical damage coverage, so insureds should have plenty of protection for their assets.
• Discounts for multiple policies – Most major insurers allow discounts to buyers who carry more than one policy in the form of a multi-policy discount. If you currently are using one company, drivers will still want to comparison shop to verify if the discount is saving money. You may still be able to save even more even if you have your coverage with different companies
• Your address can push rates up or down – Choosing to live in a rural area is a good thing when it comes to insurance. Drivers in populated areas have to deal with more road rage incidents and longer commute times. Fewer people means a lower chance of having an accident and lower theft and vandalism rates.

To find the best car insurance rates, there are several ways of comparing price quotes from many different California insurance companies. One of the best ways to do a complete rate comparison is to get quotes online.

Just keep in mind that more quotes helps increase your odds of locating a lower rate than you’re paying now. Some companies don’t provide online price quotes, so it’s necessary to compare prices from them as well.

The following companies can provide quotes in California. If multiple companies are listed, we suggest you visit several of them to get a more complete price comparison.

Facts and figures for Saturn VUE insurance

The data table shown below covers a range of insurance rates for Saturn VUE models. Having a better understanding of how auto insurance prices are figured can assist in making informed decisions when comparing rates.

Data based on married male driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include homeowner, multi-policy, multi-vehicle, safe-driver, and claim-free. Premium costs do not factor in Riverside location which can impact premium rates substantially.

Physical damage deductible comparison

One common question asked by Riverside drivers is how high should your deductibles be. The premium rates below can help you visualize the rate differences when you buy lower versus higher policy deductibles. The first rate quote example uses a $250 physical damage coverage deductible and the second price table uses a $500 deductible.

Premium data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include homeowner, safe-driver, multi-vehicle, multi-policy, and claim-free. Prices do not factor in specific location which can alter price quotes substantially.

Based on the data above, we can derive that using a $250 deductible could cost the average driver approximately $17 more each month or $204 every year than selecting the higher $500 deductible. Because you would be required to pay $250 more if you turn in a claim with a $500 deductible as compared to a $250 deductible, if you tend to go at a minimum 15 months between claims, you would most likely save money if you choose the higher deductible.

The diagram below demonstrates how choosing different deductibles and can affect Saturn VUE annual premium costs for different age groups. The rates are based on a married male driver, full physical damage coverage, and no discounts are taken into consideration.

Responsible drivers pay cheaper car insurance rates

The information below shows how speeding tickets and at-fault collisions can drive up Saturn VUE premium costs for different age groups. The price estimates are based on a married female driver, comp and collision included, $1,000 deductibles, and no discounts are applied to the premium.

Why you need insurance

Despite the high insurance cost for a Saturn VUE in Riverside, insuring your vehicle is not optional due to several reasons.

• Most states have compulsory liability insurance requirements which means you are required to carry specific limits of liability insurance if you drive a vehicle. In California these limits are 15/30/5 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.
• If your VUE has a lienholder, it’s guaranteed your bank will stipulate that you buy insurance to guarantee their interest in the vehicle. If you let the policy lapse, the bank may buy a policy for your Saturn at a much higher premium rate and require you to reimburse them a much higher amount than you were paying before.
• Insurance protects your Saturn VUE and your assets. It will also provide coverage for medical bills for yourself as well as anyone injured by you. As part of your policy, liability insurance also pays expenses related to your legal defense if you cause an accident and are sued. If mother nature or an accident damages your car, collision and comprehensive (also known as other-than-collision) coverage will pay all costs to repair after the deductible has been paid.

The benefits of carrying adequate insurance definitely exceed the price paid, especially when you need to use it. On average, a vehicle owner in Riverside is overpaying more than $700 annually so you should quote your policy with other companies once a year at a minimum to ensure rates are inline.

Do you qualify for discounts?

Insurance can cost an arm and a leg, but companies offer discounts that you may not know about. Some trigger automatically at the time of purchase, but once in a while a discount must be asked for before you will receive the discount.

• Auto/Home Discount – If you can bundle your homeowners and auto insurance with one insurance company you will save nearly 15% which can help you find cheap VUE insurance.
• Seat Belts Save – Buckling up and requiring all passengers to wear their seat belts can save a little off PIP or medical payments premium.
• Accident Waiver – Not necessarily a discount, but a handful of insurance companies will allow you to have one accident without getting socked with a rate hike so long as you haven’t had any claims for a particular time prior to the accident.
• Government Employee Discount – Active or retired federal employment can save as much as 8% with certain companies.
• Accident-Free Discounts – Insureds with no claims or accidents pay much less when compared to drivers who are more careless.
• Service Members Pay Less – Being on active deployment in the military could trigger a small discount.
• Passenger Safety Discount – Vehicles equipped with air bags or motorized seat belts may qualify for discounts up to 30%.
• Safety Course Discount – Taking time to complete a driver safety course could earn you a small percentage discount if your company offers it.

Keep in mind that some of the credits will not apply to your bottom line cost. Most only apply to the cost of specific coverages such as liability, collision or medical payments. So even though they make it sound like you would end up receiving a 100% discount, it doesn’t quite work that way.

The information below shows the comparison of Saturn VUE premium costs with and without discounts applied to the rates. The information is based on a female driver, no accidents or driving violations, California state minimum liability limits, full coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, multi-policy, claim-free, homeowner, multi-car, and marriage discounts applied.

Auto insurance companies that may have these discounts include:

• Farmers Insurance
• Esurance
• State Farm
• GEICO
• Allstate

Before purchasing a policy, check with each insurance company which discounts you may be entitled to. Depending on the company, some discounts might not be offered on policies in Riverside.

Local neighborhood Riverside car insurance agents

Certain consumers just want to buy from a licensed agent and that is recommended in a lot of cases The best thing about getting online price quotes is that you can find cheaper prices but still work with a licensed agent.

For easy comparison, once you complete this short form, your information is submitted to participating agents in Riverside that give free quotes to get your business. You never need to contact any insurance agencies because prices are sent straight to your inbox. You can get cheaper car insurance rates without requiring a lot of work. If you have a need to compare rates from a specific car insurance provider, feel free to find their quoting web page and fill out their quote form.

Picking a insurer should include more criteria than just the premium amount. Some important questions to ask are:

• Are they properly licensed to sell insurance in California?
• Do they have adequate Errors and Omissions coverage? This protects you if they make a mistake.
• Do they prorate repair cost based on vehicle mileage?
• Do they have advanced training designations such as CPCU, AAI, AIC, or CIC?
• Is there any savings for paying the full premium?
• Is working in the agency their full-time job?
• What discounts might you be missing?

If you want to use a reputable agency, it can be helpful to understand the different types of agencies that differ in how they can insure your vehicles. Car insurance agents are categorized either exclusive or independent.

Exclusive Car Insurance Agents

These agents work for only one company such as Farmers Insurance and State Farm. Exclusive agents cannot provide rate quotes from other companies so they have no alternatives for high prices. They are trained well on their company’s products which helps them sell insurance even at higher premiums. Consumers often use the same exclusive agent primarily because of the brand legacy and strong financial ratings.

Below is a short list of exclusive agencies in Riverside that are able to give comparison quotes.

• Farmers Insurance Eric Wilkins Agency
  7177 Brockton Ave #109 – Riverside, CA 92506 – (951) 680-9213 – View Map
• Farmers Insurance: Asif Sial
  6325 Rutland Ave – Riverside, CA 92503 – (951) 527-5050 – View Map
• Lynne Dattilo – State Farm Insurance Agent
  6560 Van Buren Boulevard a – Riverside, CA 92503 – (951) 689-3700 – View Map

More Riverside agents

Independent Insurance Agents

These type of agents often have many company appointments so they can write business amongst many companies and potentially find a lower price. To move your coverage to a new company, they simply switch companies in-house and you stay with the same agent.

When comparing car insurance prices, you need to include rate quotes from at a minimum one independent agency to ensure the widest selection of prices. Most have the option of insuring with lesser-known insurance companies which may have better rates.

The following is a list of independent agents in Riverside that are able to give price quote information.

• Del Smith Insurance Agency
  1355 E Alessandro Blvd # 200 – Riverside, CA 92508 – (951) 653-2188 – View Map
• Riverside Insurance Agency Inc.
  #B, 125 W La Cadena Dr – Riverside, CA 92501 – (951) 684-3500 – View Map
• Epstein Insurance Agency
  11750 Carly Court – Riverside, CA 92503 – (951) 687-1012 – View Map

More Riverside agents

Upon receiving reasonable responses to all your questions and locked in a price quote, it’s a good possibility that you have found an auto insurance agent that can be relied on to insure your vehicles.

Insurance agents can help

When it comes to buying insurance from an agent or online for your personal vehicles, there really is no cookie cutter policy. Each situation is unique and a cookie cutter policy won’t apply.
Here are some questions about coverages that can help discover whether your personal situation will benefit from professional help.

• Do I need special coverage while pulling a rented trailer?
• How much will a speeding ticket raise my rates?
• When can I cancel my policy?
• Does insurance cover damages from a DUI accident?
• Where can I find DUI or SR-22 insurance?
• Is my son or daughter covered when driving my car?
• What are the best liability limits?

If you can’t answer these questions but you think they might apply to your situation, you may need to chat with an agent. To find an agent in your area, fill out this quick form or click here for a list of insurance companies in your area.

Cheap auto insurance rates are out there

Budget-conscious Saturn VUE insurance can be found on the web and also from your neighborhood Riverside agents, and you need to price shop both to get a complete price analysis. Some companies do not offer rates over the internet and many times these smaller providers work with independent agencies.

When trying to cut insurance costs, make sure you don’t sacrifice coverage to reduce premiums. Too many times, someone dropped liability limits or collision coverage to discover at claim time that their decision to reduce coverage ended up costing them more. Your focus should be to buy a smart amount of coverage at an affordable rate, not the least amount of coverage.

For more information, link through to the following helpful articles:

• Vehicle Size and Weight FAQ (iihs.org)
• Who Has the Cheapest Car Insurance Rates for Business Use in Riverside? (FAQ)
• Who Has Affordable Car Insurance for 17 Year Olds in Riverside? (FAQ)
• Who Has Affordable Car Insurance Quotes for Nurses in Riverside? (FAQ)
• Choosing an Insurance Company (Insurance Information Institute)
• Air Bags: Potential Dangers to Your Children (Insurance Information Institute)
• New head restraint design cuts injuries (Insurance Institute for Highway Safety)
• Bodily Injury Coverage (Liberty Mutual)