Car Insurance Rates for a Saturn VUE in Louisville

Would you like to buy low-cost Saturn VUE insurance in Louisville? Are you at wits end from being strong-armed to keep your car insured? Your situation is no different than many other Kentucky consumers.

Insurance for Saturn VUEShocking but true, nearly 70% of Kentucky drivers have bought insurance from the same company for a minimum of four years, and 38% of customers have never even shopped around for lower-cost coverage. With the average premium in the U.S. being $1,847, drivers could cut their rates by $850 a year just by getting comparison quotes, but they just don’t understand the big savings they would realize if they replace their high priced policy.

Consumers have multiple auto insurance companies to insure vehicles with, and though it is a good thing to be able to choose, more choices can make it harder to get the best deal for Saturn VUE insurance in Louisville.

Smart consumers take time to get comparison quotes periodically because insurance rates trend upward over time. Just because you had the lowest rate on Saturn VUE insurance in Louisville last year other companies may now be cheaper. There are a lot of ways to save on VUE insurance online but we’re going to give you some good information on how to lower your insurance rates in Louisville.

Affordable companies for Saturn VUE insurance

The following companies have been selected to offer price quotes in Kentucky. If you want to find cheap auto insurance in Louisville, KY, it’s a good idea that you visit as many as you can in order to find the lowest rates.

Saturn VUE detailed coverage information

The information shown next covers estimates of insurance rates for Saturn VUE models. Learning how insurance rates are established can assist in making smart choices when comparing insurance quotes.

Saturn VUE Insurance Rates in Louisville, KY
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Vue XE 2WD $234 $282 $428 $26 $128 $1,098 $92
Vue XR 2WD $234 $342 $428 $26 $128 $1,158 $97
Vue XR-L 2WD $264 $342 $428 $26 $128 $1,188 $99
Vue XR AWD $264 $342 $428 $26 $128 $1,188 $99
Vue XR-L AWD $264 $404 $428 $26 $128 $1,250 $104
Get Your Own Custom Quote Go

Price data assumes single male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Kentucky minimum liability limits. Discounts applied include homeowner, multi-vehicle, safe-driver, claim-free, and multi-policy. Estimates do not factor in Louisville location which can decrease or increase rates greatly.

How high should deductibles be?

The hardest decision when buying coverage is how low should you set your deductibles. The tables below determine how much more you’ll pay between low and high insurance deductibles. The first pricing table uses a $100 comprehensive and collision deductible and the second rate table uses a $1,000 deductible.

Saturn VUE insurance rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Vue XE 2WD $280 $418 $326 $20 $98 $1,167 $97
Vue XR 2WD $280 $508 $326 $20 $98 $1,257 $105
Vue XR-L 2WD $318 $508 $326 $20 $98 $1,295 $108
Vue XR AWD $318 $508 $326 $20 $98 $1,295 $108
Vue XR-L AWD $318 $598 $326 $20 $98 $1,385 $115
Get Your Own Custom Quote Go

Saturn VUE insurance rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Vue XE 2WD $156 $220 $326 $20 $98 $820 $68
Vue XR 2WD $156 $268 $326 $20 $98 $868 $72
Vue XR-L 2WD $176 $268 $326 $20 $98 $888 $74
Vue XR AWD $176 $268 $326 $20 $98 $888 $74
Vue XR-L AWD $176 $316 $326 $20 $98 $936 $78
Get Your Own Custom Quote Go

Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, and Kentucky minimum liability limits. Discounts applied include safe-driver, claim-free, multi-policy, homeowner, and multi-vehicle. Premium amounts do not factor in vehicle garaging location which can revise rates noticeably.

Using the data above, we can ascertain that using a $100 deductible will cost you approximately $34 more each month or $408 a year across all Saturn VUE models than quoting the higher $1,000 deductible. Since the policyholder would be required to pay $900 more to file a claim with a $1,000 deductible as compared to a $100 deductible, if you average at least 26 months between claim filings, you would more than likely save some money if you decide on a higher deductible.

Careless driving habits raise Louisville car insurance rates

The information below highlights how traffic violations and accident claims increase Saturn VUE insurance rates for each age group. The price estimates are based on a married male driver, comprehensive and collision coverage, $100 deductibles, and no policy discounts are applied.

Rate comparison of males versus females

The example below shows the comparison of Saturn VUE insurance prices for male and female drivers. The premiums assume no claims or driving violations, comprehensive and collision coverage, $100 deductibles, marital status is single, and no other discounts are factored in.

Get cheap rates by getting these five discounts

Insurance can cost an arm and a leg, but you may be missing some discounts that may help make it more affordable. Some discounts will apply when you get a quote, but a few must be specifically requested before you get the savings.Discount insurance

We need to note that most of the big mark downs will not be given to the entire policy premium. Some only apply to individual premiums such as collision or personal injury protection. So even though they make it sound like all the discounts add up to a free policy, you’re out of luck.

The diagram below compares Saturn VUE auto insurance costs with and without policy discounts. The information is based on a male driver, no violations or accidents, Kentucky 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, homeowner, marriage, multi-car, claim-free, and multi-policy discounts applied.

To find insurance companies with discount rates in Kentucky, click here to view.

Local agents and car insurance

Many drivers still like to buy from a licensed agent and doing so can bring peace of mind One of the great benefits of price shopping on the web is you can get cheaper premium rates and still have an agent to talk to. And buying from local insurance agencies is definitely important in Louisville.

Louisville insurance agentsFor easy comparison, once you complete this form (opens in new window), your coverage information is immediately sent to agents in your area that can provide free Louisville car insurance quotes for your business. You don’t have to even leave your home since price quotes are sent instantly to you. Get lower rates and a licensed agent to work with. If you want to get a comparison quote for a specific company, you can always find their quoting web page and give them your coverage information.

Listed below is a list of car insurance companies in Louisville willing to provide price quotes for Saturn VUE insurance in Louisville.

1005 Dupont Square NLouisville, KY 40207(502) 897-6426View Map

2420 Lime Kiln Ln Ste ELouisville, KY 40222(502) 326-9800View Map

9800 Shelbyville RdLouisville, KY 40223(502) 339-8086View Map

709 S 4th StLouisville, KY 40202(502) 584-6358View Map

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Selecting an insurer requires more thought than just the quoted price. You should also get answers to these questions.

The coverage is in the details

Having a good grasp of car insurance can help you determine appropriate coverage at the best deductibles and correct limits. The terms used in a policy can be difficult to understand and even agents have difficulty translating policy wording. Shown next are typical coverage types found on most car insurance policies.

Uninsured/Underinsured Motorist coverage – Your UM/UIM coverage provides protection when other motorists either are underinsured or have no liability coverage at all. Covered losses include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Due to the fact that many Kentucky drivers carry very low liability coverage limits (25/50/10), their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Usually the UM/UIM limits are identical to your policy’s liability coverage.

Collision – This coverage pays to fix your vehicle from damage resulting from colliding with another vehicle or an object, but not an animal. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for things such as sustaining damage from a pot hole, crashing into a ditch, backing into a parked car and damaging your car on a curb. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are 8 years or older. It’s also possible to raise the deductible on your VUE to get cheaper collision coverage.

Comprehensive coverage – Comprehensive insurance coverage will pay to fix damage OTHER than collision with another vehicle or object. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive can pay for things such as falling objects, fire damage and vandalism. The highest amount you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Liability auto insurance – Liability insurance will cover damages or injuries you inflict on other people or property in an accident. This coverage protects you from claims by other people. Liability doesn’t cover damage to your own property or vehicle.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show limits of 25/50/10 that means you have $25,000 in coverage for each person’s injuries, a total of $50,000 of bodily injury coverage per accident, and a limit of $10,000 paid for damaged property. Occasionally you may see one number which is a combined single limit which limits claims to one amount rather than limiting it on a per person basis.

Liability coverage pays for things such as medical services, structural damage, court costs, repair bills for other people’s vehicles and attorney fees. The amount of liability coverage you purchase is a decision to put some thought into, but it’s cheap coverage so purchase as large an amount as possible. Kentucky state law requires minimum liability limits of 25/50/10 but it’s recommended drivers buy more coverage.

The next chart demonstrates why buying low liability limits may not be enough coverage.

Medical payments coverage and PIP – Coverage for medical payments and/or PIP reimburse you for expenses for rehabilitation expenses, chiropractic care, surgery and X-ray expenses. The coverages can be utilized in addition to your health insurance policy or if you do not have health coverage. Coverage applies to all vehicle occupants and also covers getting struck while a pedestrian. Personal Injury Protection is not universally available and may carry a deductible

Shop around and save

Lower-priced Saturn VUE insurance in Louisville is possible online and also from your neighborhood Louisville agents, and you need to comparison shop both in order to have the best chance of saving money. Some auto insurance companies do not offer the ability to get quotes online and most of the time these regional insurance providers work with independent agents.

You just learned many ideas to get a better price on Saturn VUE insurance in Louisville. The most important thing to understand is the more companies you get premium rates for, the better chance you’ll have of finding affordable Louisville car insurance quotes. You may even find the biggest savings come from a company that doesn’t do a lot of advertising. Some small companies may cover specific market segments cheaper as compared to the big name companies such as State Farm and Allstate.

Steps to buying lower priced Saturn VUE insurance in Louisville

The most effective way to get low-cost Saturn VUE insurance is to make a habit of regularly comparing prices from insurance carriers that sell auto insurance in Louisville.

The most important part of shopping around is that you’ll want to compare the same liability limits and deductibles on each price quote and and to compare as many companies as possible. Doing this enables an accurate price comparison and a better comparison of the market.

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