How to Compare Chula Vista Saturn VUE Insurance

Sadly, the vast majority of drivers have purchased from the same company for well over three years, and about 40% of consumers have never compared rate quotes at all. Most drivers in Chula Vista could pocket up to 35% a year just by comparing rates, but they don’t understand how simple it is to find cheap insurance by shopping around.

Insurance rates Saturn VUE in Chula VistaIf saving money is your primary concern, then the best way to get discount auto insurance rates is to start comparing prices yearly from insurance carriers who provide car insurance in Chula Vista. Price quotes can be compared by following these steps.

A crucial key to this process is to try to use the same level of coverage on every quote request and to quote with as many car insurance companies as possible. Doing this enables an apples-to-apples comparison and the best price quote selection.

Informed Consumers Can Lower Their Insurance Premiums

Multiple criteria are part of the calculation when quoting car insurance. Some are obvious like your driving record, but other criteria are less apparent like your continuous coverage or your financial responsibility.

Just keep in mind that having more price comparisons increases the chance that you will find more affordable insurance.

The auto insurance companies shown below have been selected to offer free rate quotes in California. In order to find cheaper car insurance in CA, we recommend you get prices from several of them in order to find the most competitive rates.

Insurance statistics and figures

The coverage table shown below highlights estimates of policy rates for Saturn VUE models. Learning a little about how insurance premiums are determined can help you make smart choices when choosing a car insurance company.

Saturn VUE Insurance Rates in Chula Vista, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Vue XE 2WD $202 $336 $574 $34 $172 $1,318 $110
Vue XR 2WD $202 $408 $574 $34 $172 $1,390 $116
Vue XR-L 2WD $228 $408 $574 $34 $172 $1,416 $118
Vue XR AWD $228 $408 $574 $34 $172 $1,416 $118
Vue XR-L AWD $228 $482 $574 $34 $172 $1,490 $124
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Data based on single female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include safe-driver, multi-policy, homeowner, claim-free, and multi-vehicle. Prices do not factor in specific location which can decrease or increase coverage prices noticeably.

Physical damage deductibles: Should you raise them?

One of the more difficult decisions when buying insurance is where to set your physical damage deductibles. The figures shown below can help you understand the rate fluctuation between high and low policy deductibles. The first data set uses a $100 physical damage coverage deductible and the second set of rates uses a $500 deductible.

Saturn VUE insurance rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Vue XE 2WD $380 $564 $442 $26 $132 $1,569 $131
Vue XR 2WD $380 $686 $442 $26 $132 $1,691 $141
Vue XR-L 2WD $430 $686 $442 $26 $132 $1,741 $145
Vue XR AWD $430 $686 $442 $26 $132 $1,741 $145
Vue XR-L AWD $430 $810 $442 $26 $132 $1,865 $155
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Saturn VUE insurance rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Vue XE 2WD $278 $382 $442 $26 $132 $1,260 $105
Vue XR 2WD $278 $464 $442 $26 $132 $1,342 $112
Vue XR-L 2WD $314 $464 $442 $26 $132 $1,378 $115
Vue XR AWD $314 $464 $442 $26 $132 $1,378 $115
Vue XR-L AWD $314 $546 $442 $26 $132 $1,460 $122
Get Your Own Custom Quote Go

Data variables include married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include claim-free, multi-vehicle, safe-driver, multi-policy, and homeowner. Estimates do not factor in vehicle garaging location which can change price quotes substantially.

Based on this data, we can arrive at the conclusion that using a $100 deductible costs an average of $29 more each month or $348 every year across all Saturn VUE models than quoting the higher $500 deductible. Because you would be required to pay $400 more to settle a claim with a $500 deductible as compared to a $100 deductible, if you tend to average at a minimum 14 months between claim filings, you would save more money if you choose the higher deductible.

Saturn VUE insurance costs by age and gender

The illustration below illustrates the difference between Saturn VUE yearly insurance costs for male and female drivers. The rate quotes are based on no tickets, no at-fault accidents, full coverage, $1,000 deductibles, marital status is single, and no discounts are factored in.

Three reasons auto insurance is important

Despite the high cost of buying insurance for a Saturn VUE in Chula Vista, auto insurance is most likely required but also gives you several important benefits.

The benefits of insuring your VUE outweigh the cost, particularly if you ever have a claim. Today the average American driver is overpaying more than $750 every year so you should quote and compare rates once a year at a minimum to ensure rates are competitive.

Lower rates by qualifying for discounts

Properly insuring your vehicles can get expensive, but you may qualify for discounts that many consumers don’t even know exist. Certain credits will be shown when you purchase, but less common discounts must be asked about before being credited.Save money with discounts

As is typical with insurance, most discounts do not apply to the entire cost. Some only reduce the cost of specific coverages such as medical payments or collision. Despite the appearance that having all the discounts means you get insurance for free, company stockholders wouldn’t be very happy.

The information below illustrates the difference between Saturn VUE car insurance costs with and without discounts being applied to the rates. The information is based on a male driver, no accidents or driving violations, California state minimum liability limits, full physical damage coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, marriage, multi-car, multi-policy, homeowner, and claim-free discounts applied.

Large insurance companies and the discounts they provide are detailed below.

If you need affordable Saturn VUE insurance quotes, ask each company or agent which credits you are entitled to. Some of the discounts discussed earlier may not be available in Chula Vista. To see insurance companies who offer free Saturn VUE insurance quotes in Chula Vista, click here.

Comparing quotes from local Chula Vista insurance agents

Many drivers just prefer to buy from a licensed agent and that is not a bad decision A good thing about comparing car insurance online is the fact that you can find cheaper prices and still buy from a local agent.

Find insurance agent in Chula VistaTo make it easy to find an agent, after completing this quick form, your coverage information is emailed to insurance agents in Chula Vista who will gladly provide quotes to get your business. It’s much easier because you don’t need to find an agent on your own due to the fact that quote results will go immediately to your email address. You can find the lowest rates and a licensed agent to talk to. If you want to get a price quote for a specific company, you can always search and find their rate quote page and complete a quote there.

Choosing an company requires more thought than just a low price. Ask your prospective agent these questions:

Insurance agent types

If you need to find a reliable agent, it can be helpful to understand the different agency structures that differ in how they can insure your vehicles. Car insurance agents can be classified as either independent or exclusive depending on the company they work for.

Exclusive Insurance Agencies

Agents in the exclusive channel have only one company to place business with and examples are Allstate and State Farm. These agents are unable to compare rates from other companies so always compare other rates. Exclusive insurance agents are usually quite knowledgeable on their company’s products which helps them compete with independent agents. Consumers frequently use the same agent primarily because of loyalty to the company rather than low rates.

Listed below are exclusive insurance agents in Chula Vista who may provide you with price quote information.

More Chula Vista agents

Independent Agents

Agents that choose to be independent are normally appointed by many insurers so they have the ability to put coverage with an assortment of companies depending on which coverage is best. To transfer your coverage to a different company, they can switch companies in-house without you having to go to a different agency.

If you need lower rates, you definitely need to get quotes from independent agents for maximum quote selection. Many write coverage with small regional insurance companies that can offer cheaper rates than bigger companies.

Listed below are Chula Vista independent agencies who can help you get price quote information.

More Chula Vista agents

Persistence pays off

Insureds who switch companies do it for a variety of reasons including delays in responding to claim requests, policy cancellation, high rates after DUI convictions and even not issuing a premium refund. Regardless of your reason, finding the right auto insurance provider is less work than it seems.

In this article, we presented some good ideas how you can get a better price on Saturn VUE insurance in Chula Vista. The most important thing to understand is the more providers you compare, the more likely it is that you will get a better rate. You may even be surprised to find that the biggest savings come from some of the smallest insurance companies.

Some insurance companies may not provide the ability to get a quote online and these smaller providers only sell through independent agents. Low-cost Saturn VUE insurance in Chula Vista can be purchased from both online companies and from local insurance agents, so compare prices from both to have the best rate selection.

Much more information about auto insurance in California is available at these links: