Affordable Saturn VUE Insurance in Columbus

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Insurance quote for Saturn VUE in ColumbusThe easiest way to get more affordable Saturn VUE insurance is to regularly compare price quotes from different companies who provide auto insurance in Columbus.

  1. Learn about what coverages are included in your policy and the steps you can take to prevent rate increases. Many risk factors that drive up the price like at-fault accidents, speeding tickets, and a not-so-good credit history can be rectified by improving your driving habits or financial responsibility. Later in this article we will cover more information to find cheap prices and find overlooked discounts.
  2. Compare price quotes from direct, independent, and exclusive agents. Exclusive agents and direct companies can only give rate quotes from a single company like GEICO and Allstate, while independent agents can provide prices for many different companies.
  3. Compare the new rate quotes to the price on your current policy to see if a cheaper rate is available in Columbus. If you find better rates and switch companies, make sure there is no coverage gap between policies.

The key thing to remember is to use identical coverage information on each price quote and and to get rate quotes from as many companies as feasibly possible. Doing this enables a level playing field and plenty of rates choose from.

Everyone knows that car insurance companies want to keep your business as long as possible. Insureds who shop around for cheaper price quotes are likely to buy a new policy because they have a good chance of finding a cheaper policy. Surprisingly, a recent survey revealed that drivers who compared rates once a year saved on average $3,500 over four years compared to drivers who never shopped around for lower prices.

If finding the best rates on auto insurance is your target objective, then having an understanding of how to find companies and compare car insurance can help make the process easier and more efficient.

The best way we recommend to get rate comparisons for Saturn VUE insurance in Columbus is to understand auto insurance companies will pay a fee to give free rates quotes. To begin a comparison, all you need to do is provide a small amount of information such as marital status, your credit rating estimate, what your job is, and if you went to college. The rating information is instantly provided to many of the top insurers and you will receive price estimates instantly to find the best rate.

To start a quote now, click here and see if a lower rate is available in Columbus.

The companies in the list below have been selected to offer comparison quotes in Ohio. If several companies are displayed, it's highly recommended you visit as many as you can to get a more complete price comparison.

Affordable Columbus auto insurance rates with discounts

Car insurance is not cheap, but there's a good chance there are discounts to cut the cost considerably. Most are applied when you get a quote, but a few need to be requested specifically before you get the savings. If you do not check that you are getting every discount available, you are not getting the best rate possible.Discount auto insurance

  • Student Driver Training - Have your child complete a driver education course in school.
  • Pay Early and Save - By making one initial payment instead of making monthly payments you may have a lower total premium amount.
  • Student Discounts - A discount for being a good student can save 20 to 25%. You can use this discount normally up until you turn 25.
  • Save over 55 - Drivers over the age of 55 can possibly qualify for reduced rates.
  • Include Life Insurance and Save - Larger insurance carriers have a break if you buy life insurance.
  • Defensive Driver Discounts - Taking a course that instructs on driving safety is a good idea and can lower rates depending on where you live.
  • One Accident Forgiven - Not really a discount, but companies like Allstate, Progressive, and GEICO will turn a blind eye to one accident without getting socked with a rate hike if you are claim-free for a specific time period.
  • Columbus Homeowners Pay Less - Being a homeowner can save you money due to the fact that maintaining a home means you have a higher level of financial diligence.
  • Theft Deterrent - Cars, trucks, and SUVs with anti-theft systems are stolen with less frequency and will save you 10% or more on VUE insurance in Columbus.

Don't be shocked that most of the big mark downs will not be given to the whole policy. Most cut the price of certain insurance coverages like liability and collision coverage. So even though they make it sound like having all the discounts means you get insurance for free, insurance companies wouldn't stay in business.

The diagram below compares Saturn VUE insurance costs with and without discounts applied to the rates. The premiums are based on a female driver, a clean driving record, no claims, Ohio state minimum liability limits, comp and collision included, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, homeowner, multi-car, claim-free, marriage, and safe-driver discounts applied.

If you would like to view providers that offer multiple discounts in Ohio, click here to view.

Rates and data analysis

The information displayed next highlights different insurance coverage prices for Saturn VUE models. Having a good grasp of how rates are figured is important for making smart choices when comparing insurance quotes.

Saturn VUE Insurance Rates in Columbus, OH
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Vue XE 2WD $190 $284 $232 $14 $70 $790 $66
Vue XR 2WD $190 $346 $232 $14 $70 $852 $71
Vue XR-L 2WD $214 $346 $232 $14 $70 $876 $73
Vue XR AWD $214 $346 $232 $14 $70 $876 $73
Vue XR-L AWD $214 $408 $232 $14 $70 $938 $78
Get Your Own Custom Quote Go

Data based on married female driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Ohio minimum liability limits. Discounts applied include multi-policy, claim-free, multi-vehicle, homeowner, and safe-driver. Rates do not factor in specific location which can modify premium rates noticeably.

Physical damage deductibles

When buying auto insurance, a common question is what deductibles to buy. The comparisons below approximate the differences in premium rates between low and high physical damage deductibles. The first data set uses a $100 deductible for comp and collision and the second price table 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 $196 $290 $226 $14 $68 $819 $68
Vue XR 2WD $196 $352 $226 $14 $68 $881 $73
Vue XR-L 2WD $220 $352 $226 $14 $68 $905 $75
Vue XR AWD $220 $352 $226 $14 $68 $905 $75
Vue XR-L AWD $220 $416 $226 $14 $68 $969 $81
Get Your Own Custom Quote Go
Saturn VUE insurance rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Vue XE 2WD $142 $196 $226 $14 $68 $646 $54
Vue XR 2WD $142 $238 $226 $14 $68 $688 $57
Vue XR-L 2WD $160 $238 $226 $14 $68 $706 $59
Vue XR AWD $160 $238 $226 $14 $68 $706 $59
Vue XR-L AWD $160 $280 $226 $14 $68 $748 $62
Get Your Own Custom Quote Go

Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Ohio minimum liability limits. Discounts applied include multi-policy, claim-free, homeowner, multi-vehicle, and safe-driver. Estimates do not factor in your specific Columbus location which can decrease or increase coverage prices substantially.

We can derive from the above data that using a $100 deductible will cost you approximately $16 more each month or $192 for a full year averaged for all VUE models than opting for the higher $500 deductible. Because you would be required to pay $400 more to file a claim with a $500 deductible as compared to a $100 deductible, if you normally average at a minimum 25 months between claims, you would most likely save money if you opt for a higher deductible.

How to decide to raise your deductibles

Average monthly premium for $100 deductibles: $74
Average monthly premium for $500 deductibles (subtract): - $58
Monthly savings from raising deductible: $16
Difference between deductibles ($500 - $100): $400
Divide difference by monthly savings: $400 / $16
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 25 months

One important note is that a higher deductible means you will have to pay more of your own money when you have a physical damage claim. You need enough extra money in order to pay the higher deductible.

The illustration below highlights how deductible selection and can influence Saturn VUE insurance costs for each age group. The premiums are based on a married female driver, full coverage, and no discounts are applied.

Auto insurance rates by age and gender

The illustration below shows the difference between Saturn VUE auto insurance rates for male and female drivers. The information is based on no accidents or driving violations, comprehensive and collision coverage, $100 deductibles, single marital status, and no discounts are factored in.

Decisions You Make Can Impact Your Insurance Costs

Many factors are used in the calculation when you get a price on insurance. Some factors are common sense such as your driving record, although others are more transparent such as whether you are married or how safe your car is.

The factors shown below are some of the factors used by insurance companies to determine your rate level.

  • Companies want multiple policies - Most larger companies will give discounts to policyholders who buy several policies from them such as combining an auto and homeowners policy. Even with this discount applied, you still need to compare other company rates to guarantee you are still saving the most.
  • Where you live is a factor - Having an address in areas with lower population may provide you with better prices when shopping for auto insurance. Fewer drivers and short commutes means fewer accidents and a lower car theft rate. People in densely populated areas regularly have more traffic problems and more severe claims. Higher commute times means a statistically higher chance of an accident.
  • Never allow your auto insurance policy to lapse - Not having insurance is a big no-no and auto insurance companies will penalize you for letting your insurance coverage expire. Not only will rates go up, the inability to provide proof of insurance could earn you a hefty fine and possibly a revoked license. You may have to provide proof of insurance in the form of an SR-22 filing with the Ohio motor vehicle department to get your license reinstated.
  • Tickets cost more than a fine - Your driving record impacts premiums far more than you think. Just one chargeable violation can boost insurance rates by as much as thirty percent. Attentive drivers get better rates than people who have multiple driving citations. Drivers unfortunate enough to have severe violations such as DUI or reckless driving may be required to submit a SR-22 or proof of financial responsibility with their state motor vehicle department in order to keep their license.

    The information below demonstrates how citations and accident claims can raise Saturn VUE insurance premiums for each different age group. The data assumes a single female driver, full physical damage coverage, $1,000 deductibles, and no discounts are factored in.