Truthfully, the best way to get more affordable Saturn VUE insurance in Raleigh is to make a habit of regularly comparing prices from different companies who sell insurance in North Carolina. You can shop around by completing these steps.
- First, take a few minutes and learn about policy coverages and the modifications you can make to prevent expensive coverage. Many rating criteria that are responsible for high rates like accidents, careless driving, and an unacceptable credit rating can be remedied by making minor changes in your lifestyle.
- Second, obtain price quotes from direct carriers, independent agents, and exclusive agents. Direct companies and exclusive agencies can give quotes from one company like Progressive and State Farm, while independent agents can quote rates from multiple companies. Find a Raleigh insurance agent
- Third, compare the new rate quotes to your existing policy to see if you can save by switching companies. If you find a better price and switch companies, make sure coverage does not lapse between policies.
A good tip to remember is to make sure you enter the same deductibles and limits on every price quote and and to get prices from as many different insurance providers as possible. Doing this helps ensure a fair rate comparison and a thorough price selection.
It’s safe to assume that insurance companies want to keep you from comparing rates. Consumers who get comparison quotes once a year are inclined to buy a different policy because they stand a good chance of finding a policy with better rates. A recent survey discovered that drivers who shopped around saved $865 annually compared to those who never shopped around.
If finding the lowest price on Saturn VUE insurance in Raleigh is your ultimate goal, knowing the best ways to find and compare coverage rates can make it easier for you to save money.
Cutting your Raleigh insurance rates is surprisingly easy. All that’s required is to spend a few minutes on the computer to compare rates online from several insurance companies.
Comparing free rates online is easy and it, makes it a waste of time to drive to local Raleigh insurance agencies. Comparing Saturn VUE insurance rate quotes online eliminates this option unless you have a complicated situation and need the personal advice that can only be provided by a licensed insurance agent. However, consumers can compare the best prices online but have your policy serviced through an agent.
The companies shown below provide price quotes in Raleigh, NC. To locate cheap car insurance in Raleigh, NC, we recommend you compare several of them in order to find the lowest rates.
Saturn VUE detailed coverage information
The coverage table shown next highlights estimates of insurance coverage prices for Saturn VUE models. Learning more about how auto insurance policy rates are figured can be useful when making smart choices when buying a policy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Vue XE 2WD | $116 | $192 | $302 | $18 | $90 | $718 | $60 |
| Vue XR 2WD | $116 | $234 | $302 | $18 | $90 | $760 | $63 |
| Vue XR-L 2WD | $132 | $234 | $302 | $18 | $90 | $776 | $65 |
| Vue XR AWD | $132 | $234 | $302 | $18 | $90 | $776 | $65 |
| Vue XR-L AWD | $132 | $276 | $302 | $18 | $90 | $818 | $68 |
| Get Your Own Custom Quote Go | |||||||
Prices based on single male driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and North Carolina minimum liability limits. Discounts applied include homeowner, safe-driver, multi-policy, claim-free, and multi-vehicle. Rates do not factor in specific garaging location which can decrease or increase rates substantially.
Rate comparison for different deductibles
One of the hardest decisions when shopping for car insurance is how high should the deductibles for physical damage be. The comparison tables below outline the difference in cost when you buy lower versus higher insurance deductibles. The first rate estimation uses a $250 deductible for physical damage and the second price table uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Vue XE 2WD | $192 | $266 | $250 | $14 | $74 | $821 | $68 |
| Vue XR 2WD | $192 | $324 | $250 | $14 | $74 | $879 | $73 |
| Vue XR-L 2WD | $218 | $324 | $250 | $14 | $74 | $905 | $75 |
| Vue XR AWD | $218 | $324 | $250 | $14 | $74 | $905 | $75 |
| Vue XR-L AWD | $218 | $382 | $250 | $14 | $74 | $963 | $80 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Vue XE 2WD | $156 | $214 | $250 | $14 | $74 | $708 | $59 |
| Vue XR 2WD | $156 | $262 | $250 | $14 | $74 | $756 | $63 |
| Vue XR-L 2WD | $176 | $262 | $250 | $14 | $74 | $776 | $65 |
| Vue XR AWD | $176 | $262 | $250 | $14 | $74 | $776 | $65 |
| Vue XR-L AWD | $176 | $308 | $250 | $14 | $74 | $822 | $69 |
| Get Your Own Custom Quote Go | |||||||
Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and North Carolina minimum liability limits. Discounts applied include safe-driver, claim-free, homeowner, multi-vehicle, and multi-policy. Rates do not factor in specific location information which can lower or raise coverage prices considerably.
We can estimate from the data above that using a $250 deductible will cost you approximately $10 more each month or $120 every year across all Saturn VUE models than opting for the higher $500 deductible. Because you would be required to pay $250 more to settle a claim with a $500 deductible as compared to a $250 deductible, if you normally average more than 25 months between claim filings, you would save more money by going with a higher deductible. The illustration below shows the way you can do this calculation yourself.
| Average monthly premium for $250 deductibles: | $74 |
| Average monthly premium for $500 deductibles (subtract): | – $64 |
| Monthly savings from raising deductible: | $10 |
| Difference between deductibles ($500 – $250): | $250 |
| Divide difference by monthly savings: | $250 / $10 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 25 months |
One big caveat is that raising deductibles to get cheaper rates means you will have to pay more out-of-pocket when you have a claim. That will require enough extra savings in order to pay the deductible.
How accidents and violations affect rates in Raleigh
The information below shows how speeding tickets and accident claims raise Saturn VUE car insurance costs for different age categories. The premiums assume a married female driver, comprehensive and collision coverage, $500 deductibles, and no policy discounts are applied.
Lower rates by qualifying for discounts
Car insurance is easily one of your largest bills, but you may be missing some discounts that you may not even know about. Many of these discounts will be applied automatically when you complete an application, but occasionally some discounts must be requested specifically before you get the savings.
- Auto/Home Discount – When you combine your home and auto insurance with one company you could earn a discount of up to 20% and get you affordable Saturn VUE insurance rates in Raleigh.
- Passenger Safety Discount – Vehicles equipped with air bags could see savings of up to 25% or more.
- Professional Memberships – Affiliation with certain professional organizations is a simple method to lower premiums when shopping for car insurance.
- Driver’s Education for Students – It’s a good idea to have your young drivers successfully take a driver’s education course if it’s offered in school.
- Renewal Discounts – A few larger companies offer discounts for buying a policy before your current VUE insurance policy expires. You may see this discount when you get Raleigh car insurance quotes online.
- Safety Course Discount – Taking a defensive driving course can save you 5% or more if your company offers it.
- Accident Waiver – Not really a discount, but some insurance companies will forgive one accident before raising your premiums so long as you haven’t had any claims prior to being involved in the accident.
- Payment Method – By making one initial payment instead of making monthly payments you may reduce your total bill.
- Active Service Discounts – Being deployed in the military could qualify you for better prices.
It’s important to note that many deductions do not apply to the whole policy. The majority will only reduce specific coverage prices like collision or personal injury protection. Even though the math looks like having all the discounts means you get insurance for free, nobody gets a free ride.
The diagram below illustrates the comparison of Saturn VUE premium costs with and without discounts applied to the premium. The costs are based on a female driver, no violations or claims, North Carolina 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 safe-driver, claim-free, multi-car, homeowner, multi-policy, and marriage discounts applied.
Some companies that may offer policyholders these discounts may include but are not limited to:
When comparing rates, check with each insurance company which discounts can lower your rates. A few discounts might not be available to policyholders in Raleigh.
Auto insurance is not optional
Even though it’s not necessarily cheap to insure a Saturn in Raleigh, buying auto insurance serves an important purpose.
- The majority of states have mandatory insurance requirements which means it is punishable by state law to not carry a minimum amount of liability insurance coverage if you don’t want to risk a ticket. In North Carolina these limits are 30/60/25 which means you must have $30,000 of bodily injury coverage per person, $60,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
- If you have a loan on your Saturn VUE, most lenders will require you to buy full coverage to ensure loan repayment if the vehicle is totaled. If you default on your policy, the bank or lender will purchase a policy for your Saturn at an extremely high rate and require you to pay much more than you were paying before.
- Insurance protects both your car and your assets. It also can pay for medical bills for not only you but also any passengers injured in an accident. One of the most valuable coverages, liability insurance, also pays for attorney fees and expenses if someone files suit against you as the result of an accident. If you receive damage to your vehicle caused by a storm or accident, comprehensive and collision coverage will pay to repair the damage minus the deductible amount.
The benefits of buying enough insurance are without a doubt worth the cost, particularly for liability claims. Unknowingly, the average driver is overpaying more than $820 a year so it’s recommended you shop around each time the policy renews to ensure rates are inline.
Local Raleigh insurance agents and auto insurance
Some people just prefer to talk to an insurance agent and that can be a smart move Agents are trained to spot inefficiencies and help in the event of a claim. An additional benefit of getting free rate quotes online is you can get cheap auto insurance rates and also buy local.
For easy comparison, once you complete this simple form, your insurance data is submitted to companies in Raleigh who can give free rate quotes for your coverage. You don’t have to search for an agent as quotes are delivered to you. If you have a need to quote rates for a specific company, you can always visit that company’s website and fill out their quote form.
Choosing the best company is decision based upon more than just the quoted price. The questions below may impact your decision as well.
- Do they have adequate Errors and Omissions coverage? This protects you if they make a mistake.
- Can you choose the body shop in case repairs are needed?
- If you are a high risk driver, do they have special markets for your coverage?
- Do they have cheaper tiers of coverage?
- Will they take your side in the event of a claim?
- How long have they been in business?
Independent or Exclusive: It’s your choice
If you would like to find a local Raleigh insurance agent, it’s helpful to know the types of insurance agents and how they can quote your rates. Auto insurance agents can either be independent or exclusive. Either one can provide auto insurance policies, but it’s worth mentioning the differences because it may have an impact on the kind of agent you use.
Exclusive Insurance Agents
Exclusive insurance agents can usually just insure with one company and examples are Allstate, State Farm and Farmers Insurance. These agents are unable to compare other company’s rates so it’s a take it or leave it situation. These agents are well schooled on their products and sales techniques which aids in selling service over price.
The following is a list of exclusive insurance agencies in Raleigh that are able to give rate quotes.
Vincent Boone – State Farm Insurance Agent
7850 Alexander Promenade PI #105 – Raleigh, NC 27617 – (919) 957-9009 – View Map
Tom Patterson – State Farm Insurance Agent
805 Spring Forest Rd #1400 – Raleigh, NC 27609 – (919) 954-1340 – View Map
Alex Burt – State Farm Insurance Agent
3021 Berks Way #102 – Raleigh, NC 27614 – (919) 435-1417 – View Map
Independent Agents
Agents that elect to be independent can sell policies from many different companies so as a result can place your coverage through many companies and find the cheapest rate. If you are not satisfied with one company, they simply switch companies in-house which requires no work on your part. When shopping rates, it’s recommended you compare prices from at a minimum one independent agency for maximum quote selection.
Listed below are independent agents in Raleigh that can give you price quote information.
Chapman Insurance Agency, Inc.
6829 Falls of Neuse Rd #103 – Raleigh, NC 27615 – (919) 676-5066 – View Map
G. Suggs Insurance Agency, Inc.
1025 Bullard Ct – Raleigh, NC 27615 – (919) 875-8889 – View Map
Carolina Insurance Professionals
5540 Centerview Dr – Raleigh, NC 27606 – (919) 285-4732 – View Map
After receiving good responses to these questions and a good coverage price, chances are good that you have found an insurance agency that can be relied on to service your policy. It’s important to know that policyholders can cancel coverage whenever you choose to so don’t feel you are locked into any particular company for the full term.