Save on Saturn VUE Insurance in Austin

Insurance quote for Saturn VUE in AustinHow 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.Discount insurance

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.

Saturn VUE Insurance Rate Estimates in Austin, TX
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.

Saturn VUE insurance with $250 deductibles
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

Saturn VUE insurance with $500 deductibles
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.

7950 Anderson Square Suite 101Austin, TX 78757(512) 454-4511View Map

700 Rio Grande St cAustin, TX 78701(512) 837-5000View Map

4502 S Congress AveAustin, TX 78745(512) 444-4040View Map

View more Austin agents

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.

730 W Stassney Ln Ste 230Austin, TX 78745(512) 443-9598View Map

12710 Research Blvd #210Austin, TX 78759(512) 258-2231View Map

5446 W US Hwy 290 Service Rd #104Austin, TX 78735(512) 892-3527View Map

View more Austin agents

Selecting an insurance agency requires you to look at more than just a low price. The answers to these questions are important, too.

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: