Affordable Saturn VUE Insurance in Lincoln

It’s safe to assume that auto insurance companies don’t want you to compare rates. Drivers who compare rates annually will presumably switch to a new company because they have good chances of finding lower prices. A survey found that people who faithfully checked for cheaper rates saved over $70 a month compared to other drivers who never compared other company’s rates.

If finding the cheapest price for Saturn VUE insurance is your goal, knowing how to shop for insurance premiums can make it easier to find better rates.

Truthfully, the best way to find low-cost Saturn VUE insurance in Lincoln is to make a habit of comparing prices annually from companies who can sell car insurance in Nebraska. Price quotes can be compared by completing these steps.

1. Try to learn about how insurance companies determine prices and the measures you can control to prevent high rates. Many rating factors that increase rates such as tickets, at-fault accidents, and a bad credit score can be improved by making minor changes to your lifestyle.
2. Compare rates from independent agents, exclusive agents, and direct companies. Exclusive and direct companies can provide rates from a single company like Progressive or Allstate, while independent agencies can provide price quotes for many different companies.
3. Compare the new rate quotes to your existing rates and see if there is a cheaper rate in Lincoln. If you find a better price and decide to switch, make sure there is no lapse between the expiration of your current policy and the new one.

A valuable tip to remember is that you’ll want to make sure you compare the same liability limits and deductibles on each quote request and and to get prices from as many companies as feasibly possible. Doing this ensures a level playing field and plenty of rates choose from.

Cheapest Saturn insurance price quotes in Lincoln

The providers in the list below offer price comparisons in Lincoln, NE. If your goal is to find cheaper car insurance in Lincoln, it’s a good idea that you get price quotes from several of them to find the cheapest auto insurance rates.

Insurance analysis for a Saturn VUE

The premium information shown next showcases different coverage costs for Saturn VUE models. Learning as much as possible about how insurance policy premiums are calculated can help you make decisions on which coverage to buy.

Above prices assume married male driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Nebraska minimum liability limits. Discounts applied include multi-vehicle, safe-driver, claim-free, homeowner, and multi-policy. Information does not factor in specific location which can increase or decrease auto insurance rates substantially.

Physical damage deductible comparison

One of the hardest decisions when shopping for insurance is how high should the physical damage coverage deductibles be. The following tables determine how much more rates are between high and low physical damage deductibles. The first pricing table uses a $250 deductible for comp and collision and the second set of prices uses a $1,000 deductible.

Data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Nebraska minimum liability limits. Discounts applied include multi-policy, claim-free, homeowner, multi-vehicle, and safe-driver. Estimates do not factor in vehicle location which can increase or decrease premiums greatly.

Based on the above data, using a $250 deductible will cost you about $21 more each month or $252 each year than quoting the higher $1,000 deductible. Since you would pay $750 more to settle a claim with a $1,000 deductible as compared to a $250 deductible, if you usually have more than 36 months between claims, you would come out ahead going with the higher deductible.

Safe drivers pay less for insurance

The chart below highlights how speeding tickets and at-fault collisions can affect Saturn VUE premium costs for different categories of driver ages. The rates are based on a single male driver, full coverage, $1,000 deductibles, and no policy discounts are applied.

Saturn VUE Insurance Prices Can Be Cheaper

It’s important that you understand the rating factors that come into play when calculating your policy premiums. If you understand what determines base rates, this allows you to make good choices that will entitle you to lower insurance prices. Multiple criteria are taken into consideration when quoting car insurance. Some factors are common sense like a motor vehicle report, but others are more obscure such as your marital status or your vehicle rating.

• Low stress job equals lower rates – Occupational choices like judges, architects, and dentists have higher premium rates due to high stress and lots of time spent away from family. Conversely, jobs like scientists, athletes and performers receive lower rates.

• Age of drivers – Older, more experienced drivers are more responsible, are lower risk to insure, and get fewer tickets. Teen drivers are statistically shown to be careless and easily distracted in a vehicle and because of this, their insurance rates are much higher.

  The next chart assumes a single driver, full coverage with $500 deductibles, and no discounts or violations.

• Fewer miles means better prices – Driving more miles each year the higher your rates will be. A lot of companies charge rates based on their usage. Vehicles that do not get driven very much receive better premium rates than vehicles that have high annual mileage. Verify your declarations sheet properly reflects annual mileage. An improperly rated VUE may be wasting your money.
• Vehicle theft costs us all – Selecting a car model with advanced anti-theft systems can save you a little every year. Systems that thwart thieves such as OnStar found on GM vehicles, advanced tracking like LoJack, and vehicle immobilization systems all hinder your car from being stolen.
• Better insurance rates for uninterrupted coverage – Having an insurance coverage lapse can be a quick way to drive up your policy premiums. In addition to paying higher premiums, being ticketed for driving with no insurance can result in a hefty fine and possibly a revoked license.

• Women tend to take less risk – Statistics demonstrate women are more cautious behind the wheel. The data does not necessarily mean that females are better at driving than males. Both genders cause auto accidents at a similar rate, but males get into accidents with more damage. Not only are claims higher, but men get ticketed for serious violations such as DWI and reckless driving. Male teenagers have the highest risk to insure and are penalized with high insurance rates.

  The chart below compares Saturn VUE auto insurance costs for male and female drivers. The premium estimates are based on no claims or driving violations, full physical damage coverage, $250 deductibles, drivers are not married, and no other discounts are factored in.

Earn discounts to get lower-cost Lincoln car insurance rates

Properly insuring your vehicles can get expensive, but you may qualify for discounts that you may not know about. Some of these discounts will be visible when you quote, but some discounts are required to be specially asked for before being credited.

• Anti-lock Brake System – Cars that have steering control and anti-lock brakes can stop better under adverse conditions and earn discounts up to 10%.
• Distant Student – Children living away from Lincoln attending college and do not take a car to college may be able to be covered for less.
• Active Service Discounts – Being on active duty in the military may lower your rates slightly.
• Paperwork-free – Some of the larger companies give back up to $50 for signing up on their website.
• Organization Discounts – Joining a qualifying organization could trigger savings when shopping for car insurance.
• Discounts for Good Drivers – Drivers who don’t get into accidents may receive a discount up to 45% than drivers with accidents.
• Good Students Pay Less – This discount can be rewarded with saving of up to 25%. Many companies even apply the discount to college students up to age 25.

Discounts reduce rates, but you should keep in mind that many deductions do not apply to the entire policy premium. Most only cut the cost of specific coverages such as physical damage coverage or medical payments. Just because it seems like you would end up receiving a 100% discount, it just doesn’t work that way.

The example below shows the comparison of Saturn VUE insurance costs with and without discounts applied to the policy rates. The information is based on a male driver, a clean driving record, no claims, Nebraska state minimum liability limits, comp and collision included, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, homeowner, multi-policy, safe-driver, claim-free, and marriage discounts applied.

A few popular companies and a summarized list of policyholder discounts are included below.

• Progressive offers discounts including online quote discount, online signing, homeowner, multi-vehicle, and multi-policy.
• AAA includes discounts for good driver, education and occupation, AAA membership discount, multi-policy, multi-car, anti-theft, and pay-in-full.
• Farmers Insurance has discounts for alternative fuel, good student, distant student, early shopping, and pay in full.
• GEICO may include discounts for driver training, federal employee, defensive driver, emergency military deployment, anti-theft, good student, and multi-vehicle.
• Esurance may offer discounts for Switch & Save, claim free, emergency road assistance, good student, and Pac-12 alumni.
• SAFECO offers premium reductions for drive less, anti-lock brakes, accident prevention training, homeowner, bundle discounts, multi-car, and anti-theft.
• State Farm may have discounts that include good student, Drive Safe & Save, passive restraint, good driver, Steer Clear safe driver discount, defensive driving training, and driver’s education.

When quoting, ask every insurance company to apply every possible discount. Some discounts may not be available in Lincoln. If you would like to choose from a list of providers with discount rates in Nebraska, click here to view.

Comparing quotes from local Lincoln insurance agents

Some people would prefer to talk to a local agent and that is a personal choice. A nice benefit of comparing rates online is you may find lower rates and still have an agent to talk to. Buying from local insurance agents is still important in Lincoln.

After filling out this quick form, your insurance coverage information is immediately sent to agents in your area who want to provide quotes for your business. It’s much easier because you don’t need to find an agent on your own because prices are sent immediately to your email address. It’s the lowest rates AND an agent nearby. If you need to compare rates for a specific company, just visit that company’s website to submit a rate quote request.

Two different types of auto insurance agents

If you are wanting to purchase auto insurance from local Lincoln agents, you should know the types of agencies and how they function. Agencies in Lincoln are considered either independent or exclusive depending on the company they work for.

Independent Auto Insurance Agencies or Brokers

Agents that choose to be independent are normally appointed by many insurers so as a result can place your coverage with multiple insurance companies and find the cheapest auto insurance rates. If they find a cheaper price, the agent simply finds a different carrier which requires no work on your part.

When searching for an agent, you will definitely want to get quotes from at a minimum one independent agency in order to have the best price comparison.

Shown below are Lincoln independent agents who may provide price quotes.

View more Lincoln agents

Exclusive Auto Insurance Agencies

Exclusive agents have only one company to place business with like American Family, State Farm, and Allstate. These agents are unable to provide other company’s prices so you might not find the best rates. Exclusive agencies are highly trained on their company’s products and that enables them to sell even at higher rates.

Listed below are exclusive insurance agencies in Lincoln willing to provide rate quotes.

View more Lincoln agents

Choosing the best auto insurance agent requires more thought than just the premium amount. The answers to these questions are important, too.

• Does the agent help file claims?
• Are they actively involved in the community?
• Does the company have a local claim office in Lincoln?
• Do you need full coverage on every vehicle?
• Do the companies they represent have a solid financial rating?
• How does the company pay claims for a total loss?
• Do they have a Better Business Bureau rating in Lincoln?

Get the best coverage at the most affordable price

In this article, we presented a lot of tips how to compare Saturn VUE insurance rates in Lincoln. The key concept to understand is the more quotes you get, the better likelihood of getting cheaper Lincoln car insurance quotes. Drivers may even discover the most savings is with a company that doesn’t do a lot of advertising. Some small companies may often insure only within specific states and give better rates than the large multi-state companies such as Allstate, GEICO and Progressive.

Affordable Saturn VUE insurance in Lincoln is attainable from both online companies as well as from independent agents in Lincoln, so you should compare both in order to have the best chance of saving money. Some insurance companies may not provide rate quotes online and many times these smaller providers only sell through local independent agencies.

More tips and info about insurance is located in these articles:

• Front crash protection reduces rear-end crashes (Insurance Institute for Highway Safety)
• What Auto Insurance is Cheapest for a Ford Focus in Lincoln? (FAQ)
• Who Has Cheap Auto Insurance Rates for Immigrants in Lincoln? (FAQ)
• Who Has Cheap Auto Insurance Quotes for Retired Military in Lincoln? (FAQ)
• Shopping for a Safe Car (Insurance Information Institute)
• Self-driving cars won’t replace humans (Insurance Institute for Highway Safety)