Affordable Saturn VUE Insurance in Irvine

Insurance quote for Saturn VUE in IrvineUnbelievably, a large majority of drivers have been with the same company for at least four years, and about 40% of consumers have never taken the time to shop around. Drivers in Irvine could pocket as much as $470 a year by just comparing quotes, but they just assume it’s a time-consuming process to compare rates.

It takes a few minutes, but the best way to find better pricing on Saturn VUE insurance is to compare prices regularly from providers that sell auto insurance in Irvine.

An important note is that you’ll want to make sure you compare the same amount of coverage on every quote request and and to compare as many different insurance providers as possible. This guarantees the most accurate price comparison and many rates to choose from.

All major insurance companies make it easy to get insurance quotes on their websites. This process is easy for anyone because it’s just a matter of typing in your coverage preferences into the quote form. Upon sending the form, their quoting system sends out for reports for credit and driving violations and returns a price determined by many factors. Quoting online for Saturn VUE insurance in Irvine simplifies rate comparisons, and it’s very important to have as many quotes as possible if you want to find the lowest payment.

To quickly get comparison pricing now, compare rates now from the companies shown below. To compare your current rates, we recommend that you enter the coverages identical to your current policy. Using the same limits helps guarantee you will be getting rate quotes for exact coverage.

The following companies provide price comparisons in Irvine, CA. If you want to find cheap car insurance in Irvine, we suggest you visit several of them in order to find the most affordable rates.

It may be expensive, but it’s not optional

Despite the high cost of buying insurance for a Saturn VUE in Irvine, insurance is a good idea for several reasons.

First, most states have mandatory liability insurance requirements which means you are required to carry specific limits of liability protection in order to license the vehicle. In California these limits are 15/30/5 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.

Second, if you have a loan on your vehicle, almost every bank will require that you buy insurance to protect their interest in the vehicle. If the policy lapses, the bank or lender will purchase a policy for your Saturn for a lot more money and force you to reimburse them a much higher amount than you were paying before.

Third, car insurance protects your Saturn and your assets. It also can pay for medical expenses for both you and anyone you injure as the result of an accident. One of the most valuable coverages, liability insurance, will also pay to defend you if you are sued as the result of an accident. If you receive damage to your vehicle caused by a storm or accident, your policy will pay to restore your vehicle to like-new condition.

The benefits of insuring your VUE definitely exceed the price paid, especially for larger claims. In a recent study of 1,000 drivers, the average customer is overpaying more than $869 every year so it’s very important to do a rate comparison once a year at a minimum to ensure rates are competitive.

Saturn VUE coverage analysis

The data table below covers different insurance coverage prices for Saturn VUE models. Having a better understanding of how insurance prices are formulated is important for making informed coverage decisions.

Saturn VUE Insurance Rates in Irvine, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Vue XE 2WD $372 $648 $534 $32 $160 $1,746 $146
Vue XR 2WD $372 $790 $534 $32 $160 $1,888 $157
Vue XR-L 2WD $420 $790 $534 $32 $160 $1,936 $161
Vue XR AWD $420 $790 $534 $32 $160 $1,936 $161
Vue XR-L AWD $420 $930 $534 $32 $160 $2,076 $173
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Prices above based on single male driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and California minimum liability limits. Discounts applied include homeowner, multi-policy, claim-free, safe-driver, and multi-vehicle. Price information does not factor in specific garaging location which can alter insurance rates substantially.

Choosing deductibles

One of the more difficult decisions when buying auto insurance is at what level do you set your deductibles. The rates shown below can help you visualize the premium difference of buying low and high coverage deductibles. The first price estimate table uses a $100 deductible for comprehensive and collision coverage and the second pricing 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 $380 $564 $442 $26 $132 $1,569 $131
Vue XR 2WD $380 $686 $442 $26 $132 $1,691 $141
Vue XR-L 2WD $430 $686 $442 $26 $132 $1,741 $145
Vue XR AWD $430 $686 $442 $26 $132 $1,741 $145
Vue XR-L AWD $430 $810 $442 $26 $132 $1,865 $155
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Saturn VUE insurance rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Vue XE 2WD $210 $298 $442 $26 $132 $1,108 $92
Vue XR 2WD $210 $362 $442 $26 $132 $1,172 $98
Vue XR-L 2WD $238 $362 $442 $26 $132 $1,200 $100
Vue XR AWD $238 $362 $442 $26 $132 $1,200 $100
Vue XR-L AWD $238 $426 $442 $26 $132 $1,264 $105
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Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include claim-free, safe-driver, multi-policy, multi-vehicle, and homeowner. Premium amounts do not factor in zip code location which can raise or lower insurance rates greatly.

Based on this data, using a $100 deductible will cost in the ballpark of $44 more each month or $528 every year than opting for the higher $1,000 deductible. Because you would be required to pay $900 more to file a claim with a $1,000 deductible as compared to a $100 deductible, if you normally average at least 20 months between claim filings, you would probably come out ahead if you decide on a higher deductible.

How to calculate if higher deductibles make sense

Average monthly premium for $100 deductibles: $143
Average monthly premium for $1,000 deductibles (subtract): – $99
Monthly savings from raising deductible: $44
Difference between deductibles ($1,000 – $100): $900
Divide difference by monthly savings: $900 / $44
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 20 months

The illustration below demonstrates how deductible levels and can increase or decrease Saturn VUE insurance premiums for different age groups. The price estimates are based on a single female driver, comprehensive and collision coverage, and no discounts are applied.

Auto insurance rates by gender and age

The illustration below illustrates the difference between Saturn VUE premium costs for male and female drivers. The price estimates are based on a clean driving record, no at-fault accidents, comp and collision included, $100 deductibles, drivers are single, and no discounts are applied.

Verify you’re applying every discount

Insuring your fleet can be pricey, but you may find discounts that may help make it more affordable. Many discounts should be triggered when you get a quote, but less common discounts must be asked for prior to getting the savings.Car insurance discounts

It’s important to note that most discount credits are not given to the entire cost. Most only cut the cost of specific coverages such as medical payments or collision. Even though the math looks like all those discounts means the company will pay you, you’re out of luck.

The diagram below compares Saturn VUE yearly insurance costs with and without discounts being applied to the rates. The premiums assume a female driver, a clean driving record, no claims, California state minimum liability limits, full physical damage coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, claim-free, marriage, multi-car, safe-driver, and homeowner discounts applied.

For a list of companies who offer car insurance discounts in California, click here to view.