Affordable Quotes for Saturn VUE Insurance in Oakland

Insurance quote for Saturn VUE in OaklandIf you want to save money, the best way to get affordable auto insurance rates is to compare prices annually from providers that insure vehicles in Oakland.

  1. Take a little time to learn about policy coverages and the measures you can take to keep rates low. Many factors that cause high rates like your driving record and a negative credit history can be eliminated by making small lifestyle or driving habit changes. This article gives information to help reduce premium rates and earn larger discounts.
  2. Compare price quotes from independent agents, exclusive agents, and direct companies. Exclusive agents and direct companies can only give rate quotes from a single company like GEICO or State Farm, while agents who are independent can provide prices from multiple insurance companies.
  3. Compare the new quotes to your current policy premium to see if switching to a new carrier will save money. If you can save some money and switch companies, verify that coverage does not lapse between policies.
  4. Provide proper notification to your current company of your decision to cancel your existing policy and submit payment along with a signed and completed policy application to the new insurer. When you receive it, keep your new certificate of insurance with your registration paperwork.

A good tip to remember is to try to compare the same amount of coverage on each quote and and to get prices from as many auto insurance providers as possible. This ensures a level playing field and a complete price analysis.

It’s safe to assume that auto insurance companies don’t want customers comparing rates. Insureds who shop around for the cheapest price will most likely switch car insurance companies because there is a great chance of finding a lower rate. Remarkably, a study showed that drivers who regularly compared rates saved an average of $865 annually compared to other drivers who never shopped around.

If finding the most affordable car insurance is why you’re reading this, understanding how to find and compare insurance rates can save money and time.

Why Informed Drivers Pay Less for Saturn VUE Insurance

Many different elements are considered when you quote your car insurance policy. Some are obvious like a motor vehicle report, but some are less apparent such as your credit history or your vehicle rating.

Cheapest Saturn VUE insurance quotes in Oakland

The providers in the list below can provide price comparisons in Oakland, CA. In order to find the best cheap car insurance in Oakland, we suggest you click on several of them to get the best price comparison.

Saturn VUE coverage statistics

The table below showcases estimates of insurance policy prices for Saturn VUE models. Having a better idea how insurance quotes are figured can be useful when making decisions when choosing a new policy provider.

Saturn VUE Insurance Rates in Oakland, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Vue XE 2WD $308 $470 $596 $36 $178 $1,588 $132
Vue XR 2WD $308 $570 $596 $36 $178 $1,688 $141
Vue XR-L 2WD $348 $570 $596 $36 $178 $1,728 $144
Vue XR AWD $348 $570 $596 $36 $178 $1,728 $144
Vue XR-L AWD $348 $672 $596 $36 $178 $1,830 $153
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Table data represents single female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include homeowner, multi-vehicle, multi-policy, safe-driver, and claim-free. Prices do not factor in specific location information which can revise coverage prices considerably.

An analysis of deductible level

The hardest decision when buying coverage is at what level do you set your deductibles. The comparison tables below outline the premium difference of buying low and high physical damage coverage deductibles. The first table uses a $250 comprehensive and collision deductible and the second price table uses a $1,000 deductible.

Saturn VUE insurance prices with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Vue XE 2WD $342 $472 $442 $26 $132 $1,439 $120
Vue XR 2WD $342 $576 $442 $26 $132 $1,543 $129
Vue XR-L 2WD $386 $576 $442 $26 $132 $1,587 $132
Vue XR AWD $386 $576 $442 $26 $132 $1,587 $132
Vue XR-L AWD $386 $678 $442 $26 $132 $1,689 $141
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Saturn VUE insurance prices 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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Data rating is based on married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include multi-vehicle, safe-driver, multi-policy, homeowner, and claim-free. Price estimates do not factor in garaging location in Oakland which can influence auto insurance rates greatly.

We can estimate from the data above that using a $250 deductible will cost you approximately $32 more each month or $384 a year across all Saturn VUE models than choosing the higher $1,000 deductible. Because you would pay $750 more if you turn in a claim with a $1,000 deductible as compared to a $250 deductible, if you tend to average at least 23 months between claim filings, you would save more money if you choose a higher deductible.

How to calculate deductible break even period

Average monthly premium for $250 deductibles: $131
Average monthly premium for $1,000 deductibles (subtract): – $99
Monthly savings from raising deductible: $32
Difference between deductibles ($1,000 – $250): $750
Divide difference by monthly savings: $750 / $32
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 23 months

One thing to be aware of is that raising deductibles means you pay more out-of-pocket when you have a claim. You should have some available funds in the event you need to pay the higher deductible.

The example below highlights how deductible selection and can change Saturn VUE premium costs for each different age group. The costs are based on a single female driver, comprehensive and collision coverage, and no additional discounts are factored in.

Three main reasons to buy car insurance

Even though it can be expensive, maintaining insurance may be required for several reasons.

The benefits of having insurance are definitely more than the cost, specifically if you ever have a liability claim. The average driver in California is wasting up to $810 a year so it’s important to compare rates every year to ensure rates are inline.

Insurance policy discounts for Saturn VUE insurance in Oakland

Car insurance companies don’t always publicize every discount available in an easy-to-find place, so the following is a list of some of the more common in addition to some of the lesser obvious discounts that you may qualify for.Discount insurance

Discounts lower rates, but most discounts do not apply to the entire cost. Most only cut specific coverage prices like comp or med pay. So even though you would think all those discounts means the company will pay you, you won’t be that lucky. But all discounts should definitely cut the premium cost.

The chart below compares Saturn VUE insurance costs with and without discounts applied to the rates. The information is based on a female driver, a clean driving record, no at-fault accidents, California state minimum liability limits, comprehensive and collision coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, safe-driver, marriage, multi-car, claim-free, and multi-policy discounts applied.

A few of the larger companies and a summarized list of policyholder discounts are detailed below.

Double check with each company or agent the best way to save money. Discounts might not be offered everywhere. To see a list of providers that offer discounts in Oakland, click this link.

Auto insurance agents can find coverage gaps

Certain consumers just want to talk to an insurance agent and that can be a great decision Experienced insurance agents can help you build your policy and will help you if you have claims. A nice benefit of comparing auto insurance online is you can get lower rates and also buy local. And providing support for neighborhood agents is definitely important in Oakland.

Oakland insurance agentsAfter completing this quick form, the quote information is instantly submitted to local insurance agents in Oakland who will give you quotes for your insurance coverage. You won’t need to contact an agency because quoted prices will be sent to you instantly. If for some reason you want to get a comparison quote from a particular provider, you can always jump over to their website and fill out the quote form the provide.

If you’re trying to find a good insurance agency, you must know there are a couple different types of agents from which to choose. Insurance agencies in Oakland are considered either independent or exclusive depending on the company they work for. Either type can sell and service auto insurance coverage, but it’s good to learn how they differ since it may influence your agent selection.

Independent Agents

Independent agents do not work for one specific company so they can insure your vehicles through many companies enabling the ability to shop coverage around. If premiums increase, an independent agent can move your coverage which requires no work on your part.

When comparing auto insurance rates, it’s recommended you compare quotes from at a minimum one independent agency to get the best comparison. Many write coverage with less well-known companies which can save you money.

The following are Oakland independent insurance agents that can give you free auto insurance rate quotes.

More insurance agents

Exclusive Insurance Agents

These type of agents can only provide one company’s prices such as Farmers Insurance, State Farm, Allstate, and AAA. Exclusive agencies are unable to provide other company’s prices so it’s a take it or leave it situation. Exclusive agents are usually well trained on their company’s products and that allows them to sell at a higher price point. Consumers often choose to use an exclusive agent partially due to the prominence of the brand and the convenience of having a single billing for all their coverages.

Below is a short list of exclusive agencies in Oakland that can give you comparison quotes.

More insurance agents

Picking the best car insurance agent should include more criteria than just a cheap price. Ask your prospective agent these questions:

If you get satisfactory answers to your questions and a good coverage price, you may have just found an auto insurance agent that can be trusted to service your policy.

Which car insurance company is best in Oakland?

Ending up with the best insurance company can be difficult considering how many choices there are in California. The rank data shown below may help you pick which auto insurers to look at comparing price quotes from.

Top 10 Oakland Car Insurance Companies Ranked by Customer Service

  1. AAA of Southern California
  2. GEICO
  3. State Farm
  4. The Hartford
  5. Mercury Insurance
  6. The General
  7. Progressive
  8. Allstate
  9. AAA Insurance
  10. American Family

The best insurance company isn’t always the cheapest

Budget-conscious Saturn VUE insurance can be bought on the web in addition to many Oakland insurance agents, so you need to shop Oakland car insurance with both to have the best selection. Some insurance companies may not have the ability to get quotes online and usually these regional carriers work with independent agents.

Consumers change insurance companies for a variety of reasons including policy non-renewal, high rates after DUI convictions, not issuing a premium refund and denial of a claim. Regardless of your reason for switching companies, switching insurance companies can be easier than you think.

As you prepare to switch companies, it’s very important that you do not reduce coverage to reduce premium. Too many times, someone dropped collision coverage only to find out that the small savings ended up costing them much more. Your goal is to purchase a proper amount of coverage at the best price, but do not skimp to save money.

Even more information can be read in these articles: