How long has it been since you compared lower-priced Saturn VUE insurance in Dallas? Vehicle owners who just recently started comparing rates online could find locating the cheapest Saturn VUE insurance in Dallas to be a formidable task.
How to save money on Saturn VUE insurance in Dallas
The best way to find lower priced Saturn VUE insurance in Dallas is to start comparing prices regularly from companies in Texas.
Step 1: Try to understand auto insurance and the things you can control to drop your rates. Many rating factors that drive up the price such as at-fault accidents, speeding tickets, and a less-than-favorable credit score can be remedied by making minor driving habit or lifestyle changes. This article provides more ideas to lower rates and earn larger discounts.
Step 2: Compare price quotes from direct, independent, and exclusive agents. Direct and exclusive agents can give quotes from a single company like Progressive or State Farm, while agents who are independent can give you price quotes for a wide range of insurance providers. Compare rates now
Step 3: Compare the new quotes to the premium of your current policy to determine if you can save on VUE insurance in Dallas. If you find a better price and change companies, make sure there is no coverage gap between policies.
One key aspect when comparing rates is that you’ll want to make sure you compare identical deductibles and limits on each quote and and to get prices from as many companies as feasibly possible. This helps ensure an accurate price comparison and and a good selection of different prices.
Remarkably, a study showed that almost 70% of insureds in Texas kept their policy with the same company for a minimum of four years, and approximately 40% of consumers have never compared rates with other companies. Many consumers in the U.S. can save hundreds of dollars each year by just comparing rate quotes, but they just don’t understand how easy it is to find affordable auto insurance rates.
It’s smart to shop coverage around occasionally due to the fact that insurance prices change regularly. Even if you got the best quotes on Saturn VUE insurance in Dallas last year you may be paying too much now. There is lot of inaccurate information about VUE insurance on the internet, but I’m going to show you some solid techniques on how to stop overpaying for insurance in Dallas.
Cheap companies for Saturn VUE insurance
The companies shown below are ready to provide free rate quotes in Texas. If multiple companies are listed, we recommend you compare several of them to find the most affordable auto insurance rates.
Data for Saturn VUE insurance
The price information shown below showcases detailed analysis of prices for Saturn VUE models. Learning more about how insurance policy rates are established can help guide drivers when making informed decisions.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Vue XE 2WD | $286 | $400 | $388 | $24 | $116 | $1,214 | $101 |
| Vue XR 2WD | $286 | $486 | $388 | $24 | $116 | $1,300 | $108 |
| Vue XR-L 2WD | $322 | $486 | $388 | $24 | $116 | $1,336 | $111 |
| Vue XR AWD | $322 | $486 | $388 | $24 | $116 | $1,336 | $111 |
| Vue XR-L AWD | $322 | $572 | $388 | $24 | $116 | $1,422 | $119 |
| Get Your Own Custom Quote Go | |||||||
Data based on married female driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Texas minimum liability limits. Discounts applied include homeowner, multi-vehicle, safe-driver, claim-free, and multi-policy. Rates do not factor in your specific Dallas location which can alter insurance rates considerably.
An analysis of deductible level
One common question asked by Dallas drivers is which comprehensive and collision deductibles to buy. The rates below may help to conceptualize the price difference when you select higher and lower physical damage coverage deductibles. The first set of rates uses a $250 physical damage deductible and the second data table uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Vue XE 2WD | $294 | $408 | $382 | $22 | $114 | $1,245 | $104 |
| Vue XR 2WD | $294 | $496 | $382 | $22 | $114 | $1,333 | $111 |
| Vue XR-L 2WD | $332 | $496 | $382 | $22 | $114 | $1,371 | $114 |
| Vue XR AWD | $332 | $496 | $382 | $22 | $114 | $1,371 | $114 |
| Vue XR-L AWD | $332 | $584 | $382 | $22 | $114 | $1,459 | $122 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Vue XE 2WD | $182 | $256 | $382 | $22 | $114 | $956 | $80 |
| Vue XR 2WD | $182 | $312 | $382 | $22 | $114 | $1,012 | $84 |
| Vue XR-L 2WD | $206 | $312 | $382 | $22 | $114 | $1,036 | $86 |
| Vue XR AWD | $206 | $312 | $382 | $22 | $114 | $1,036 | $86 |
| Vue XR-L AWD | $206 | $368 | $382 | $22 | $114 | $1,092 | $91 |
| Get Your Own Custom Quote Go | |||||||
Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include multi-policy, claim-free, safe-driver, homeowner, and multi-vehicle. Rates do not factor in garaging location in Dallas which can change coverage rates substantially.
Using the premium rates above, we can conclude that using a $250 deductible will cost you roughly $28 more each month or $336 annually than selecting the higher $1,000 deductible. Due to the fact that you would have to pay $750 more if you file a claim with a $1,000 deductible as compared to a $250 deductible, if you tend to go at a minimum 27 months between claims, you would save more money if you choose the higher deductible.
The diagram below demonstrates how choosing different deductibles and can increase or decrease Saturn VUE premium costs for different age groups. The data is based on a single female driver, comp and collision included, and no policy discounts are applied.
Should you buy full coverage?
The information below shows the difference between Saturn VUE annual premium costs with full physical damage coverage and with liability coverage only. The price estimates are based on no violations or accidents, $500 deductibles, single marital status, and no other discounts are factored in.
Should you pay for full coverage or liability only?
There is no written rule that works best for making the decision to drop physical damage coverage on your policy, but there is a general guideline you can use. If the annual cost of having full coverage is about 10% or more of the replacement cost of your vehicle minus the policy deductible, then you might want to consider buying only liability coverage.
For example, let’s pretend your Saturn VUE book value is $6,000 and you have $1,000 full coverage deductibles. If your vehicle is totaled in an accident, the most you would get paid by your company is $5,000 after paying your policy deductible. If premiums are more than $500 a year to have full coverage, then it’s probably a good time to buy liability coverage only.
There are a few situations where eliminating full coverage is not a good plan. If you still have a loan on your vehicle, you have to maintain full coverage as part of the loan requirements. Also, if you can’t afford to buy a different vehicle in the even your car is totaled, you should not opt for liability only.
Informed Drivers Can Cut Insurance Costs
Lots of factors are part of the calculation when pricing auto insurance. Some are obvious like an MVR report, although others are less apparent like where you live or your financial responsibility.
Shown below are some of the major factors used by companies to determine your rate level.
- Allowing your coverage to lapse raises rates – Going without insurance can be a quick way to pay more for car insurance. Not only will you pay more, the inability to provide proof of insurance could result in a hefty fine and possibly a revoked license. You could then be forced to provide proof of insurance in the form of an SR-22 filing with the Texas DMV.
- Vehicle options can affect prices – Selecting a car model that has an advanced theft prevention system can save you a little every year. Theft prevention features like vehicle immobilizer systems, OnStar, and tracking devices like LoJack help track and prevent vehicle theft.
- Increase coverage deductibles and save – Insurance for physical damage to your car, otherwise known as comp (or other than collision) and collision, is used to repair damage to your Saturn. Examples of some claims that would be covered are collision with another vehicle, flood damage, and damage from a fallen tree branch. The deductibles you choose state the amount of money you are required to spend before your car insurance pays a claim. The more of the claim you choose to pay out-of-pocket, the better rate you will receive.
- Premiums are affected by your credit score – Having a bad credit history factor in determining premium rates. Insureds that have high credit ratings tend to file fewer claims than drivers who have worse credit. If your credit rating is low, you could save money insuring your Saturn VUE if you clean up your credit.
-
Males tend to take more risk – The statistics show that men are more aggressive behind the wheel. This data doesn’t prove that women are better drivers. Both sexes cause at-fault accidents in similar percentages, but men cause more damage and cost insurance companies more money. Men also tend to get higher numbers of serious violations like DUI and reckless driving. Young men ages 16 to 20 generally have the highest accident percentage and therefore are the most expensive to insure.
The example below illustrates the difference between Saturn VUE insurance premiums for male and female drivers. The rate quotes are based on no claims, a clean driving record, comp and collision included, $100 deductibles, marital status is single, and no discounts are applied.
- More policies can equal more savings – Most larger insurance companies allow a discount to policyholders that buy multiple policies, otherwise known as a multi-policy discount. Even though this discount sounds good, drivers will still want to shop around to verify if the discount is saving money.
-
Performance impacts insurance prices – The make and model of the vehicle you own makes a big difference in your rates. The lowest premiums tend to be for the lowest performance passenger vehicles, but there are many factors that impact the final cost.
The following chart uses these assumptions: married male driver age 40, full coverage with $100 deductibles, and no discounts or violations. It illustrates Saturn VUE car insurance rates compared to other models of vehicles that have a range of performances.
- Be proud to be claim-free – Car insurance companies in Texas award the best rates to insureds who are claim-free. If you’re an insured who likes to file claims you can definitely plan on increased rates or even have your policy non-renewed. Your car insurance is intended to be relied upon for the bigger claims that can’t be paid out-of-pocket.
Take advantage of these discounts
Auto insurance is expensive, but there are discounts available that could help you make your next renewal payment. Certain credits will be shown when you get a quote, but some may not be applied and must be requested specifically before you get the savings.
- Own a Home and Save – Just being a homeowner can help you save on auto insurance due to the fact that maintaining a home demonstrates responsibility.
- Discount for Multiple Policies – If you can combine your home and auto policy with one insurance company you could save at least 10 to 15 percent or more.
- Military Deployment Discount – Having an actively deployed family member could be rewarded with lower auto insurance rates.
- Employee of Federal Government – Employees or retirees of the government can save as much as 8% depending on your company.
- Pay Now and Pay Less – If you can afford to pay the entire bill instead of making monthly payments you can avoid the installment charge.
- Multi-Vehicle Discounts – Insuring multiple cars or trucks on one policy can get a discount on all vehicles.
Policy discounts save money, but most credits do not apply the whole policy. Most only cut the price of certain insurance coverages like collision or personal injury protection. Despite the fact that it seems like you would end up receiving a 100% discount, companies don’t profit that way.
The information below shows the comparison of Saturn VUE car insurance rates with and without discounts applied to the premium. The information is based on a male driver, no claims or driving violations, Texas state minimum liability limits, full physical damage 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, claim-free, multi-car, marriage, homeowner, and multi-policy discounts applied.
A few popular companies and some of their more popular discounts are shown below.
- GEICO discounts include defensive driver, daytime running lights, seat belt use, air bags, anti-theft, and federal employee.
- SAFECO has savings for teen safety rewards, anti-lock brakes, anti-theft, homeowner, teen safe driver, multi-car, and bundle discounts.
- State Farm offers discounts including passive restraint, good student, safe vehicle, defensive driving training, and accident-free.
- MetLife includes discounts for defensive driver, claim-free, multi-policy, good driver, accident-free, and good student.
- 21st Century may include discounts for defensive driver, 55 and older, theft prevention, air bags, and student driver.
- Progressive policyholders can earn discounts including multi-policy, continuous coverage, multi-vehicle, good student, online quote discount, and online signing.
Check with each insurance company how you can save money. All car insurance discounts might not be offered on policies in Dallas. If you would like to see a list of insurance companies who offer discounts in Dallas, click this link.
Compare prices but buy from a local Dallas insurance agency
Many people would prefer to talk to a local agent and doing that can be a smart decision An additional benefit of getting free rate quotes online is the fact that you can find lower prices and still buy from a local agent. Supporting neighborhood insurance agencies is important particularly in Dallas.
For easy comparison, once you complete this simple form, your information is submitted to insurance agents in Dallas that provide free Dallas auto insurance quotes and help you find cheaper coverage. You never need to search for an agent because quoted prices will be sent straight to your inbox. You can find the lowest rates AND an agent nearby. If you wish to compare rates for a specific company, feel free to jump over to their website and submit a quote form there.
If you need to find a reliable insurance agent, you need to know there are two types of agencies from which to choose. Car insurance policy providers are considered either independent or exclusive depending on the company they work for.
Independent Car Insurance Agents
Independent insurance agents are not required to write business for one company and that enables them to quote your coverage with a variety of different insurance companies and get you the best rates possible. If prices rise, they simply move the coverage in-house without you having to go to a different agency.
When comparing car insurance prices, you will want to include price quotes from a few independent agents to get the most accurate price comparison. A lot of them also have access to additional companies that you may not be familiar with which may have better rates.
The following is a list of independent agents in Dallas who may provide free price quotes.
- The Phoenix Insurance
11615 Forest Central Dr #103 – Dallas, TX 75243 – (214) 253-0570 – View Map - Stewart Insurance Agency
437 W 12th St – Dallas, TX 75208 – (214) 948-7600 – View Map - Eves Insurance Agency
1318 Pioneer Dr – Dallas, TX 75224 – (214) 941-1300 – View Map
Exclusive Insurance Agencies
Exclusive agencies are contracted to one company and examples are American Family, State Farm, and AAA. Exclusive agencies are unable to compare other company’s rates so if the price isn’t competitive there isn’t much they can do. Exclusive agents are well trained in insurance sales and that can be a competitive advantage. Some insured continue to buy insurance from these agents partially due to the prominent brand name and strong financial ratings.
Listed below is a short list of exclusive insurance agents in Dallas that can give you price quotes.
- Carlos Luevano – State Farm Insurance Agent
4444 W Illinois Ave #304 – Dallas, TX 75211 – (214) 337-8888 – View Map - State Farm: Dwight Hill
10300 N Central Expy #296 – Dallas, TX 75231 – (469) 232-2396 – View Map - Larry Sandlin – State Farm Insurance Agent
4560 W Mockingbird Ln #120 – Dallas, TX 75209 – (214) 526-5227 – View Map
Choosing the best car insurance agent should depend on more than just a cheap quote. These are valid questions to ask:
- How long has their agency been in business in Dallas?
- Is their price quote a firm figure or are their hidden costs?
- Do you need full coverage on every vehicle?
- Does the agency have a current Errors and Omissions policy?
- Will a damage claim use OEM or aftermarket replacement parts?
- Can they give you a list of client referrals?
Upon receiving answers to your satisfaction to any questions you may have as well as an affordable premium quote, you’ve probably found an insurance agent that can be trusted to service your policy.
In the end, you can save money
We just showed you a lot of information how to shop for Saturn VUE insurance online. The key concept to understand is the more rate quotes you have, the higher your chance of finding the cheapest Saturn VUE rate quotes. You may even be surprised to find that the best car insurance rates are with the smaller companies.
Consumers who switch companies do it for a number of reasons such as high rates after DUI convictions, an unsatisfactory settlement offer, policy non-renewal and even high prices. Regardless of your reason, finding the right insurance provider is pretty simple and you could end up saving a buck or two.
When shopping online for insurance, you should never buy less coverage just to save a little money. In too many instances, drivers have reduced collision coverage only to regret at claim time that a couple dollars of savings turned into a financial nightmare. Your focus should be to buy the best coverage you can find at a price you can afford.
How to buy cheaper Saturn VUE insurance in Dallas
Really, the only way to find discount Saturn VUE insurance is to regularly compare quotes from insurers who provide car insurance in Dallas. This can be done by following these guidelines.
Step 1: Try to comprehend auto insurance and the changes you can make to drop your rates. Many rating criteria that are responsible for high rates like traffic violations and a negative credit score can be eliminated by making small lifestyle or driving habit changes.
Step 2: Request price quotes from exclusive agents, independent agents, and direct providers. Direct companies and exclusive agencies can only give prices from one company like GEICO or Allstate, while independent agents can provide price quotes for a wide range of insurance providers.
Step 3: Compare the quotes to your existing policy and see if you can save money. If you can save some money and change companies, ensure there is no coverage lapse between policies.
A crucial key to this process is to compare similar limits and deductibles on each quote and and to get quotes from as many different companies as possible. Doing this ensures an accurate price comparison and a better comparison of the market.
More information
- Prom Night Tips for Teen Drivers (State Farm)
- How Much are Dallas Car Insurance Rates for a Dodge Ram? (FAQ)
- What Car Insurance is Cheapest for Uber Drivers in Dallas? (FAQ)
- Who Has Affordable Car Insurance Quotes for Inexperienced Drivers in Dallas? (FAQ)
- Higher speed limits cause more fatalities (Insurance Institute for Highway Safety)
- Choosing a Car for Your Teen (State Farm)
- Get the Right Protection (InsureUonline.org)