How long have you put off shopping around for lower-priced Saturn VUE insurance in Austin? Nobody that owns a car likes paying for car insurance, especially knowing they could find better rates elsewhere.
Astonishing but true, most drivers in Texas have remained with the same car insurance company for more than four years, and about 40% of consumers have never compared rates with other companies. Consumers in the United States can save hundreds of dollars each year by just comparing quotes, but they just don’t want to shop their coverage around.
Big-name insurance companies like Allstate and Progressive persitently shower you with ad campaigns and consumers find it hard to see past the corporate glitz and do the work needed to find the best deal.
Insurance discounts are available to cut your rates
Insurance is not inexpensive, but there could be significant discounts to help offset the cost. Certain discounts will be triggered automatically when you complete an application, but some discounts are required to be asked about prior to receiving the credit.
- Multi-Vehicle Discounts – Buying a policy with more than one vehicle with one company can reduce rates for all insured vehicles.
- College Student – College-age children who attend college more than 100 miles from Austin and won’t have access to an insured vehicle could get you a discount.
- Driving Data Discount – Drivers that enable their insurance company to scrutinize vehicle usage through the use of a telematics system like In-Drive from State Farm and Progressive’s Snapshot could see a rate decrease as long as they are good drivers.
- Student Discounts – Performing well in school can be rewarded with saving of up to 25%. Earning this discount can benefit you until age 25.
- Multi-policy Discount – If you can bundle your auto and homeowners insurance with the same company you will save up to 20% off your total VUE insurance premium.
- Buy New and Save – Insuring a new VUE can get you a discount since newer models have better safety ratings.
Don’t be surprised that most credits do not apply to the whole policy. The majority will only reduce the price of certain insurance coverages like comp or med pay. If you do the math and it seems like you would end up receiving a 100% discount, that’s just not realistic.
Some companies that may offer quotes with some of the discounts shown above may include but are not limited to:
If you need low cost Austin car insurance quotes, ask each insurance company which credits you are entitled to. A few discounts may not apply in your area. If you would like to view insurance companies that provide some of the discounts listed above in Texas, click this link.
Just keep in mind that quoting more provides better odds of finding more affordable insurance. Some smaller insurers do not give online price quotes, so it’s recommended that you also compare quotes on coverage from those companies, too.
The following companies are ready to provide quotes in Austin, TX. If multiple providers are shown, we suggest you get rate quotes from several of them to get the cheapest price.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Vue XE 2WD | $326 | $502 | $514 | $30 | $154 | $1,526 | $127 |
| Vue XR 2WD | $156 | $306 | $430 | $26 | $128 | $1,046 | $87 |
| Vue XR-L 2WD | $186 | $288 | $392 | $24 | $118 | $1,008 | $84 |
| Vue XR AWD | $270 | $400 | $382 | $22 | $114 | $1,188 | $99 |
| Vue XR-L AWD | $368 | $720 | $514 | $30 | $154 | $1,786 | $149 |
| Get Your Own Custom Quote Go | |||||||
Data based on single female driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Texas minimum liability limits. Discounts applied include multi-vehicle, homeowner, claim-free, multi-policy, and safe-driver. Rate information does not factor in Austin location which can raise or lower premiums greatly.
Impact of citations and accidents on insurance rates
The chart below demonstrates how citations and at-fault collisions can raise Saturn VUE insurance premiums for different insured age categories. The rates are based on a single male driver, full coverage, $250 deductibles, and no policy discounts are applied.
Physical damage deductibles
When buying auto insurance, a common question is how low should you set your deductibles. The rates shown below help summarize the differences in price when you buy lower versus higher insurance deductibles. The first set of prices uses a $250 physical damage coverage deductible and the second rate chart uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Vue XE 2WD | $294 | $408 | $382 | $22 | $114 | $1,245 | $104 |
| Vue XR 2WD | $294 | $496 | $382 | $22 | $114 | $1,333 | $111 |
| Vue XR-L 2WD | $332 | $496 | $382 | $22 | $114 | $1,371 | $114 |
| Vue XR AWD | $332 | $496 | $382 | $22 | $114 | $1,371 | $114 |
| Vue XR-L AWD | $332 | $584 | $382 | $22 | $114 | $1,459 | $122 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Vue XE 2WD | $240 | $328 | $382 | $22 | $114 | $1,086 | $91 |
| Vue XR 2WD | $240 | $400 | $382 | $22 | $114 | $1,158 | $97 |
| Vue XR-L 2WD | $270 | $400 | $382 | $22 | $114 | $1,188 | $99 |
| Vue XR AWD | $270 | $400 | $382 | $22 | $114 | $1,188 | $99 |
| Vue XR-L AWD | $270 | $472 | $382 | $22 | $114 | $1,260 | $105 |
| Get Your Own Custom Quote Go | |||||||
Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include multi-vehicle, claim-free, safe-driver, multi-policy, and homeowner. Rate information does not factor in vehicle location which can modify coverage rates noticeably.
Based on this data, we can arrive at the conclusion that using a $250 deductible would cost the average driver about $15 more each month or $180 a year than buying the higher $500 deductible. Because you would be required to pay $250 more out-of-pocket with a $500 deductible as compared to a $250 deductible, if you normally average more than 17 months between claims, you would more than likely save some money going with the higher deductible. Here’s how we made this calculation.
| Average monthly premium for $250 deductibles: | $113 |
| Average monthly premium for $500 deductibles (subtract): | – $98 |
| Monthly savings from raising deductible: | $15 |
| Difference between deductibles ($500 – $250): | $250 |
| Divide difference by monthly savings: | $250 / $15 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 17 months |
Compare rates but still have a neighborhood Austin auto insurance agent
Many people still prefer to sit down with an agent and that is not a bad decision The best thing about price shopping on the web is you can get cheap rate quotes but also keep your business local. And providing support for local insurance agencies is especially important in Austin.
Upon completion of this form (opens in new window), your insurance data is transmitted to local insurance agents in Austin that can provide free Austin car insurance quotes for your car insurance coverage. It’s much easier because you don’t need to find an agent because prices are sent directly to your email. You can most likely find cheaper rates AND an agent nearby. If you want to compare prices from a specific insurance company, you would need to navigate to their website and give them your coverage information.
Independent or Exclusive: It’s your choice
If you want to buy car insurance from a local agent, it helps to know the two different agency structures that you can choose from. Agents can be classified as either independent or exclusive depending on the company they work for.
Independent Car Insurance Agents
Agents that choose to be independent are not restricted to one company so they can insure your vehicles with a variety of different insurance companies depending on which coverage is best. If they quote lower rates, they simply move the coverage in-house and you can keep the same agent. If you need cheaper car insurance rates, we recommend you compare quotes from several independent insurance agents to get the best comparison.
Featured below is a short list of independent agencies in Austin that can give you rate quotes.
Dean Davis Insurance Agency
7950 Anderson Square Suite 101 – Austin, TX 78757 – (512) 454-4511 – View Map
Stuart Butts Agency Nationwide – Lezam insurance
700 Rio Grande St c – Austin, TX 78701 – (512) 837-5000 – View Map
EZ Insurance Agency – Main
4502 S Congress Ave – Austin, TX 78745 – (512) 444-4040 – View Map
Exclusive Car Insurance Agencies
Exclusive agents are contracted to one company and some examples include State Farm, AAA, and Liberty Mutual. Exclusive agents cannot place coverage with different providers so keep that in mind. Exclusive agents are usually quite knowledgeable on their company’s products which helps them compete with independent agents.
Shown below is a short list of exclusive insurance agents in Austin that are able to give price quote information.
Allstate Insurance: Homero Escobar
730 W Stassney Ln Ste 230 – Austin, TX 78745 – (512) 443-9598 – View Map
State Farm: Charlie Anderson
12710 Research Blvd #210 – Austin, TX 78759 – (512) 258-2231 – View Map
Richard Munoz – State Farm Insurance Agent
5446 W US Hwy 290 Service Rd #104 – Austin, TX 78735 – (512) 892-3527 – View Map
Selecting an insurance agency requires you to look at more than just a low price. The answers to these questions are important, too.
- Do you qualify for any additional discounts?
- When do they do a full risk review?
- Are they actively involved in the community?
- What insurance companies do they work with in Austin?
- Is auto insurance their primary focus in Austin?
- Do they carry Errors and Omissions coverage?
- Is vehicle mileage a factor when determining depreciation for repairs?
- Do they see any coverage gaps in your plan?
Cheaper car insurance premiums are out there
Lower-priced Saturn VUE insurance in Austin can be sourced both online in addition to many Austin insurance agents, so you need to shop Austin car insurance with both to have the best chance of lowering rates. Some insurance providers may not have online price quotes and many times these small insurance companies only sell through independent agents.
We just presented a lot of tips how to shop for Saturn VUE insurance online. It’s most important to understand that the more providers you compare, the better chance you’ll have of finding the cheapest Saturn VUE rate quotes. You may even find the most savings is with a company that doesn’t do a lot of advertising. They may only write in your state and offer lower rates compared to the large companies like State Farm, GEICO and Nationwide.
For more information, feel free to browse the resources below:
- What Does No-Fault Insurance Cover? (Allstate)
- Who Has Affordable Auto Insurance for Low Credit Scores in Austin? (FAQ)
- Who Has Affordable Car Insurance for a Toyota 4Runner in Austin? (FAQ)
- Who Has Cheap Austin Auto Insurance Quotes for a Nissan Sentra? (FAQ)
- How Much are Austin Auto Insurance Rates for Teenage Females? (FAQ)
- What Auto Insurance is Cheapest for College Students in Austin? (FAQ)
- Who Has Affordable Austin Car Insurance Quotes for 16 Year Olds? (FAQ)
- Who Has Cheap Car Insurance Rates for 18 Year Olds in Austin? (FAQ)
- Safe Vehicles for Teens (iihs.org)
- Help Your Teen Be a Better Driver (State Farm)