Save Money on Saturn VUE Insurance in Mesa

Wish you could get a refund on high-priced Saturn VUE insurance in Mesa? Believe me when I say there are lots of Mesa residents who feel the same.

Shockingly, 70% of consumers kept their coverage with the same insurance company for over three years, and nearly half have never compared quotes from other companies. With the average insurance premium being $1,578, Mesa drivers could cut their rates by approximately $700 a year by just comparing rate quotes, but most just don’t grasp the rate savings if they switched.

Due to the increasing number of companies to choose from that have cheaper insurance for a Saturn VUE in Mesa, it can be hard to find the lowest cost insurance company.

You should take the time to do price comparisons at least once a year since prices tend to go up over time. Even if you got the best rate on Saturn VUE insurance in Mesa at your last renewal other companies may now be cheaper. Ignore everything you know about insurance because you’re going to learn the proper way to lower your annual insurance bill.

The easiest way to compare rate quotes for Saturn VUE insurance in Mesa is to know the trick most insurance companies allow for online access to provide you with a free rate quote. To begin a comparison, all you need to do is provide details including level of coverage desired, driver ages, what you do for a living, and if the vehicle is leased. Your information is submitted instantly to multiple car insurance providers and they provide comparison quotes immediately.

If you would like to compare rates now, click here and find out if lower rates are available in Mesa.

The providers in the list below provide quotes in Mesa, AZ. To find cheap auto insurance in Mesa, it’s a good idea that you visit several of them in order to find the lowest rates.

Rates and other information

The data table displayed next outlines a range of rate quotes for Saturn VUE models. Learning a little about how insurance rates are figured can be valuable when making decisions when shopping around.

Prices above based on single female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Arizona minimum liability limits. Discounts applied include safe-driver, claim-free, multi-vehicle, homeowner, and multi-policy. Premium amounts do not factor in specific location information which can modify coverage rates significantly.

Raise deductibles and save

One common question asked by Mesa drivers is at what level do you set your deductibles. The premium rates below may help you to understand the difference in cost between low and high physical damage deductibles. The first rate quote example uses a $100 deductible for comprehensive and collision coverage and the second rate table uses a $1,000 deductible.

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

Based on this data, we can arrive at the conclusion that using a $100 deductible will cost you about $30 more each month or $360 annually than choosing the higher $1,000 deductible. Because you would pay $900 more if you file a claim with a $1,000 deductible as compared to a $100 deductible, if you usually have at a minimum 30 months between claim filings, you would come out ahead if you choose the higher deductible.

The example below illustrates how your choice of deductibles and can change Saturn VUE yearly insurance costs for different age groups of insureds. Data assumes a married female driver, full coverage, and no discounts are taken into consideration.

Careless driving habits raise insurance rates

The diagram below demonstrates how speeding tickets and accident claims impact Saturn VUE insurance costs for different insured age categories. The data is based on a married female driver, comprehensive and collision coverage, $250 deductibles, and no additional discounts are factored in.

Price comparison of only insuring for liability

The illustration below shows the comparison of Saturn VUE auto insurance costs with full physical damage coverage compared to only buying the minimum liability limits required in Arizona. The data is based on no driving violations, no at-fault accidents, $250 deductibles, drivers are not married, and no policy discounts are applied.

When to stop buying physical damage coverage

There is no exact rule for excluding physical damage coverage, but there is a guideline you can use. If the annual cost of coverage is more than 10% of replacement cost minus your deductible, then you may want to consider only buying liability coverage.

For example, let’s say your Saturn VUE book value is $6,000 and you have $1,000 deductibles. If your vehicle is totaled in an accident, you would only receive $5,000 after paying your deductible. If premiums are more than $500 a year for your policy with full coverage, then you may need to consider dropping full coverage.

There are a few situations where eliminating full coverage is not advised. If you still owe a portion of the original loan, you have to carry full coverage to protect the lienholder’s interest. Also, if you don’t have enough money to buy a different vehicle in case of an accident, you should not opt for liability only.

Lower-cost Mesa auto insurance rates with discounts

Car insurance is not cheap, but you may find discounts to help bring down the price. Many discounts should be triggered at quote time, but some may not be applied and must be asked about prior to getting the savings.

• Payment Method – By making one initial payment as opposed to paying monthly you may reduce your total bill.
• Auto/Life Discount – Larger insurance carriers have a discount if you purchase some life insurance too.
• Government Employees – Active or retired federal employment could provide a small rate reduction but check with your company.
• No Claim Discounts – Claim-free drivers pay much less as compared to frequent claim filers.
• Lower Rates for Military – Being deployed with a military unit could qualify you for better premium rates.
• Professional Organizations – Participating in a civic or occupational organization in Mesa could qualify you for a break on your bill.
• Good Student – Maintaining excellent grades could provide a savings of up to 20% or more. Earning this discount can benefit you up until you turn 25.
• Responsible Drivers – Safe drivers may save up to 50% more compared to rates paid by drivers with frequent claims.
• Early Switch Discount – Some insurance companies provide a discount for signing up prior to the expiration date on your current VUE insurance policy. This discount can save up to 10%.
• Accident Forgiveness – This one is not really a discount per se, but some companies like State Farm and GEICO may permit one accident without getting socked with a rate hike if you are claim-free prior to the accident.

A little disclaimer on discounts, many deductions do not apply to the entire policy premium. Some only reduce specific coverage prices like collision or personal injury protection. So despite the fact that it appears adding up those discounts means a free policy, auto insurance companies aren’t that generous.

The information below illustrates the difference between Saturn VUE insurance costs with and without discounts applied to the premium. The data assumes a male driver, no accidents, no driving violations, Arizona 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 safe-driver, homeowner, claim-free, multi-policy, marriage, and multi-car discounts applied.

If you would like to view auto insurance companies offering auto insurance discounts in Arizona, click here.

Why you need insurance for your Saturn vehicle

Despite the high cost, car insurance may not be optional for several reasons.

• Almost all states have minimum liability requirements which means state laws require a specific minimum amount of liability insurance in order to license the vehicle. In Arizona these limits are 15/30/10 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
• If you have a lien on your vehicle, most lenders will stipulate that you buy full coverage to guarantee their interest in the vehicle. If you default on your policy, the lender may insure your Saturn for a lot more money and make you pay a much higher amount than you were paying before.
• Insurance protects not only your car but also your assets. It will also provide coverage for medical transport and hospital expenses for you, your passengers, and anyone else injured in an accident. Liability coverage also pays expenses related to your legal defense if anyone sues you for causing an accident. If you receive damage to your vehicle caused by a storm or accident, your policy will pay to repair the damage.

The benefits of buying enough insurance outweigh the cost, specifically if you ever have a liability claim. Unknowingly, the average driver overpays more than $800 each year so compare rate quotes at least once a year to ensure rates are competitive.

How to find a good Arizona auto insurance company

Buying coverage from the best insurance provider can be rather challenging considering how many different companies insure vehicles in Mesa. The ranking data below may help you pick which auto insurance companies to look at comparing rate quotes with.

Top 10 Mesa Car Insurance Companies Ranked by Claims Service

1. State Farm
2. Esurance
3. AAA Insurance
4. GEICO
5. Liberty Mutual
6. Progressive
7. Allstate
8. Titan Insurance
9. The Hartford
10. Mercury Insurance

Top 10 Mesa Car Insurance Companies by A.M. Best Rank

1. USAA – A++
2. Travelers – A++
3. State Farm – A++
4. GEICO – A++
5. Esurance – A+
6. Nationwide – A+
7. Allstate – A+
8. Mercury Insurance – A+
9. Progressive – A+
10. Titan Insurance – A+

You may need help from a local insurance agent

Some people just prefer to talk to an insurance agent and there is nothing wrong with that. A good thing about comparing rate quotes online is you may find cheap car insurance rates but still work with a licensed agent. And providing support for neighborhood insurance agencies is definitely important in Mesa.

After completing this short form, your coverage information is sent to companies in Mesa that give free quotes for your insurance coverage. There is no reason to contact any insurance agencies as quotes are delivered to you directly. It’s the lowest rates and work with a local agent. If you have a need to quote rates from one company in particular, you would need to visit that company’s website and give them your coverage information.

If you’re trying to find a local Mesa insurance agency, it helps to know the two types of agencies and how they function. Car insurance agents can either be independent agents or exclusive agents depending on their employer.

Independent Insurance Agents

Agents that elect to be independent can sell policies from many different companies so as a result can place your coverage with lots of companies and find the cheapest rate. If premiums increase, they simply move your policy to a different company and the insured can keep the same agent.

When shopping rates, you will want to include a few independent agents to ensure the widest selection of prices.

Featured below is a small list of independent agencies in Mesa who may be able to give you rate quotes.

View more Mesa agents

Exclusive Insurance Agencies

These type of agents can only write with one company such as Farmers Insurance, Allstate, or State Farm. Exclusive agents cannot shop your coverage around so keep that in mind. Exclusive insurance agents are usually quite knowledgeable on sales techniques which helps offset the inability to provide other markets.

The following is a list of exclusive insurance agents in Mesa willing to provide price quotes.

View more Mesa agents

Finding the right insurance agency needs to be determined by more than just the price. Here are some questions to ask:

• Can you contact them at any time?
• Can you choose the body shop in case repairs are needed?
• Does the agency have a positive business rating?
• What insurance companies do they recommend if they are an independent agent?
• Do they specialize in personal lines auto insurance in Mesa?
• Can they provide you with a list of referrals?