Affordable Saturn VUE Insurance in Boston

If saving the most money is your goal, then the best way to find low-cost prices for Saturn VUE insurance in Boston is to start doing an annual price comparison from insurers in Massachusetts.

1. Try to understand how your policy works and the things you can change to keep rates in check. Many rating factors that drive up the price like at-fault accidents, careless driving, and poor credit history can be controlled by making minor changes in your lifestyle.
2. Request rate estimates from direct carriers, independent agents, and exclusive agents. Exclusive and direct companies can only quote rates from one company like GEICO and Allstate, while independent agencies can provide price quotes for a wide range of companies. View prices
3. Compare the price quotes to your existing rates to see if switching to a new carrier will save money. If you find a better price and buy the policy, ensure there is no coverage lapse between policies.
4. Tell your current agent or company to cancel your current car insurance policy and submit a completed policy application and payment to your new company or agent. As soon as you have the new policy, put the new proof of insurance certificate in your glove compartment.

One thing to remember is to compare the same liability limits and deductibles on every quote request and and to get rate quotes from as many companies as possible. This enables a fair rate comparison and a complete selection of prices.

It’s hard to believe, but nearly 70% of Massachusetts drivers kept buying from the same company for a minimum of four years, and almost 40% of drivers have never quoted rates to find cheaper coverage. American insurance shoppers could save themselves up to 47% a year by just comparing quotes, but most tend to underestimate the actual amount they would save if they switched to a cheaper policy.

Locating the most cost-effective auto insurance policy in Boston can be made easier if you know where to look. Virtually every vehicle owner who is looking for a better price on auto insurance will most likely get better rates. But Massachusetts car owners must understand how insurance companies determine premium rates and apply this information to your search.

When shopping for Saturn VUE insurance in Boston there are multiple ways to compare prices from all the different companies. The fastest way to find the cheapest insurance rates involves getting comparison quotes online.

Online shopping is fast and free, and it takes the place of having to make phone calls or go to local insurance agencies. Shopping for auto insurance online makes this unnecessary unless you require the professional assistance that can only be provided by a licensed insurance agent. If you prefer, some companies allow you to comparison shop your insurance online but buy the policy through an agent.

Just remember that making a lot of price comparisons will enable you to find a lower rate.

The companies shown below offer quotes in Boston, MA. If you want the cheapest auto insurance in Boston, it’s a good idea that you click on several of them to find the cheapest auto insurance rates.

Three reasons to not skimp on auto insurance

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

• Most states have mandatory liability insurance requirements which means you are required to buy specific limits of liability protection if you want to drive legally. In Massachusetts these limits are 20/40/5 which means you must have $20,000 of bodily injury coverage per person, $40,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.
• If your Saturn VUE has a lienholder, almost all lenders will have a requirement that you carry insurance to protect their interest in the vehicle. If you let the policy lapse, the bank may buy a policy for your Saturn at a more expensive rate and force you to pay for the much more expensive policy.
• Auto insurance preserves not only your Saturn but also your assets. It also can pay for many types of medical costs for you, any passengers, and anyone injured in an accident. One of the most valuable coverages, liability insurance, will also pay for a defense attorney if you are sued as the result of an accident. If damage is caused by hail or an accident, your policy will cover the repair costs.

The benefits of having insurance are without a doubt worth the cost, especially with large liability claims. Today the average American driver is wasting up to $855 a year so smart consumers compare quotes once a year at a minimum to help ensure money is not being wasted.

Rates and detailed analysis

The price information shown next outlines a range of rate quotes for Saturn VUE models. Having insight into how policy premiums are formulated can help you make decisions on which coverage to buy.

Cost estimates assume single male driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Massachusetts minimum liability limits. Discounts applied include claim-free, safe-driver, homeowner, multi-vehicle, and multi-policy. Rate information does not factor in vehicle garaging location which can decrease or increase coverage prices considerably.

Comparison of policy deductibles

One frequently asked question is where to set your physical damage deductibles. The rates below may help you to understand the rate differences of buying low and high insurance deductibles. The first price estimate table uses a $250 deductible for comprehensive and collision coverage and the second set of prices uses a $500 deductible.

Data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Massachusetts minimum liability limits. Discounts applied include safe-driver, multi-policy, multi-vehicle, claim-free, and homeowner. Price estimates do not factor in specific location which can change coverage prices substantially.

Based on the data above, we can derive that using a $250 deductible costs an average of $14 more each month or $168 annually than quoting the higher $500 deductible. Because you would pay $250 more out of your own pocket with a $500 deductible as compared to a $250 deductible, if you tend to average at least 18 months between claim filings, you would probably come out ahead if you opt for a higher deductible.

One important issue to know is that a higher deductible level means you will have to pay more when you have a comprehensive or collision claim. You should have some extra savings in the event you have to pay more for the deductible.

Impact of careless driving on insurance rates

The information below shows how traffic citations and accidents can affect Saturn VUE premium costs for different age groups of insureds. The costs are based on a single female driver, full physical damage coverage, $500 deductibles, and no discounts are taken into consideration.

Cost difference between full coverage and liability

The illustration below visualizes the comparison of Saturn VUE annual premium costs with and without full coverage. The costs are based on a clean driving record, no claims, $100 deductibles, drivers are not married, and no discounts are factored in.

When to stop paying for full coverage

There is no clear-cut formula of when to phase out full coverage on your policy, but there is a general convention. If the yearly cost for physical damage coverage is more than around 10% of the replacement cost of your vehicle minus the policy deductible, then it’s probably a good time to buy liability coverage only.

For example, let’s pretend your Saturn VUE book value is $4,000 and you have $1,000 physical damage deductibles. If your vehicle is totaled in an accident, the most your company will settle for is $3,000 after paying the physical damage deductible. If premium cost is more than $300 a year for comprehensive and collision coverage, then you might want to consider buying only liability coverage.

There are a few cases where only buying liability is not in your best interest. If you still have a loan on your vehicle, you have to maintain full coverage in order to keep the loan. Also, if your finances do not allow you to purchase a different vehicle in the even your car is totaled, you should not opt for liability only.

Discount Boston auto insurance rates

Insuring your vehicles can cost a lot, but you might find some hidden discounts that can help lower your rates. Larger premium reductions will be automatically applied when you quote, but lesser-known reductions have to be specifically requested before you get the savings.

• Onboard Data Collection – Boston drivers who agree to allow companies to track driving habits through the use of a telematics system like In-Drive from State Farm and Progressive’s Snapshot may see discounts if they show good driving skills.
• Federal Government Employee – Active or former government employment may reduce rates when you quote Boston auto insurance depending on your auto insurance provider.
• Safety Restraint Discount – Drivers who always wear seat belts and also require passengers to fasten their seat belts can save a little on the medical payments or PIP coverage costs.
• Own a Home and Save – Just owning your own home can earn you a little savings since home ownership requires personal responsibility.
• Good Grades Discount – Getting good grades can save 20 to 25%. You can use this discount normally well after school through age 25.
• Early Signing – A few auto insurance companies allow discounts for buying a policy prior to your current VUE insurance policy expiration. It could save around 10% when you buy Boston auto insurance online.
• Active Service Discounts – Being deployed with a military unit could trigger a small discount.
• Anti-theft System – Vehicles with anti-theft systems have a lower chance of being stolen and can earn a small discount on your policy.

A little note about advertised discounts, some of the credits will not apply to the entire policy premium. The majority will only reduce individual premiums such as liability and collision coverage. So even though it sounds like having all the discounts means you get insurance for free, it doesn’t quite work that way.

The chart below shows the comparison of Saturn VUE insurance prices with and without discounts applied to the premium. The price estimates are based on a female driver, no claims, a clean driving record, Massachusetts 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-car, multi-policy, homeowner, claim-free, marriage, and safe-driver discounts applied.

Larger auto insurance companies and their possible discounts can be found below.

• 21st Century has discounts for driver training, automatic seat belts, homeowners, teen driver, early bird, student driver, and anti-lock brakes.
• State Farm has savings for student away at school, anti-theft, passive restraint, defensive driving training, and accident-free.
• AAA may include discounts for AAA membership discount, good student, pay-in-full, education and occupation, multi-policy, and anti-theft.
• Liberty Mutual discounts include multi-car, teen driver discount, safety features, hybrid vehicle, and multi-policy.
• Progressive offers premium reductions for homeowner, online quote discount, continuous coverage, multi-policy, multi-vehicle, and online signing.

Double check with each company or agent to give you their best rates. Some of the earlier mentioned discounts might not be offered in your state. If you would like to choose from a list of insurance companies offering auto insurance discounts in Boston, click here.

When to get advice from an insurance agent

A lot of people still prefer to talk to an insurance agent. One of the great benefits of comparing insurance prices online is you may find cheaper prices and also buy local.

After completing this form (opens in new window), your information is sent to participating agents in Boston who want to provide quotes for your business. You won’t even need to leave your house since rate quotes are delivered to your email. You can most likely find cheaper rates and a licensed agent to talk to. If you have a need to get a rate quote for a specific company, feel free to go to their quote page and submit a quote form there.

Finding the right provider shouldn’t rely on just a cheap price quote. Ask your prospective agent these questions:

• Do they have advanced training designations such as CPCU, AAI, AIC, or CIC?
• What company do they have the most business with?
• Do they specialize in personal lines coverage in Boston?
• What is their Better Business Bureau rating?
• Are there any discounts that you might be missing?
• Do they have cheaper tiers of coverage?

Do I just need basic coverages?

Always keep in mind that when comparing proper insurance coverage, there really is no “best” method to buy coverage. You are unique and your auto insurance should be unique as well.
These are some specific questions may help highlight if your insurance needs may require specific advice.

• Can I insure my car for more than it’s worth?
• Is a fancy paint job covered?
• Is coverage enough to protect my assets?
• Do I need to call my car insurance company before buying a new car?
• Is my business laptop covered if it gets stolen from my vehicle?
• Is extra glass coverage worth it?
• Why does it cost so much to insure a teen driver in Boston?
• What discounts do I qualify for?
• What are the liability requirements in my state?

If you don’t know the answers to these questions, you might consider talking to a licensed agent. If you don’t have a local agent, complete this form or you can also visit this page to select a carrier

Car insurance coverage information

Knowing the specifics of your insurance policy can be of help when determining appropriate coverage and proper limits and deductibles. The terms used in a policy can be impossible to understand and nobody wants to actually read their policy. Below you’ll find the normal coverages found on most insurance policies.

Auto liability – This coverage provides protection from damages or injuries you inflict on a person or their property that is your fault. Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see values of 20/40/5 that translate to a $20,000 limit per person for injuries, a limit of $40,000 in injury protection per accident, and $5,000 of coverage for damaged property.

Liability can pay for claims such as repair costs for stationary objects, loss of income, structural damage and legal defense fees. The amount of liability coverage you purchase is your choice, but consider buying as much as you can afford. Massachusetts state minimum liability requirements are 20/40/5 but you should think about purchasing more liability than the minimum.

The chart below demonstrates why low liability limits may not be adequate coverage.

Medical expense insurance – Medical payments and Personal Injury Protection insurance kick in for expenses for things like EMT expenses, X-ray expenses, ambulance fees, dental work and pain medications. They are often used to cover expenses not covered by your health insurance plan or if you do not have health coverage. Medical payments and PIP cover all vehicle occupants in addition to any family member struck as a pedestrian. Personal Injury Protection is not universally available but it provides additional coverages not offered by medical payments coverage

Collision – This pays to fix your vehicle from damage resulting from a collision with an object or car. You first must pay a deductible and then insurance will cover the remainder.

Collision insurance covers things such as hitting a parking meter, sustaining damage from a pot hole, scraping a guard rail, sideswiping another vehicle and colliding with another moving vehicle. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. You can also bump up the deductible on your VUE in order to get cheaper collision rates.

Comprehensive (Other than Collision) – Comprehensive insurance coverage will pay to fix damage OTHER than collision with another vehicle or object. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims such as vandalism, hitting a bird, damage from a tornado or hurricane, damage from getting keyed and fire damage. The highest amount you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Protection from uninsured/underinsured drivers – Uninsured or Underinsured Motorist coverage gives you protection from other drivers when they are uninsured or don’t have enough coverage. Covered losses include hospital bills for your injuries and damage to your Saturn VUE.

Because many people have only the minimum liability required by law (Massachusetts limits are 20/40/5), their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is a good idea.

Quote more and you will save more

Some companies don’t offer internet price quotes and usually these smaller companies only sell through independent agencies. Lower-priced Saturn VUE insurance in Boston can be purchased from both online companies as well as from independent agents in Boston, so you should compare both in order to have the best chance of saving money.

In this article, we covered many ways to compare Saturn VUE insurance premium rates in Boston. The key thing to remember is the more times you quote, the higher your chance of finding affordable Boston auto insurance quotes. Consumers could even find that the best premium rates are with a company that doesn’t do a lot of advertising. These smaller insurers may have significantly lower prices on certain market segments than the large multi-state companies such as State Farm and Allstate.

Other information

• Preventing Carjacking and Theft (Insurance Information Institute)
• What is the Best Auto Insurance in Boston, Massachusetts? (FAQ)
• Who Has the Cheapest Car Insurance Quotes for Seniors in Boston? (FAQ)
• Who Has the Cheapest Car Insurance for a Chevrolet Equinox in Boston? (FAQ)
• What Car Insurance is Cheapest for a Honda Civic in Boston? (FAQ)
• Who Has Affordable Car Insurance Quotes for a Dodge Ram in Boston? (FAQ)
• What Insurance is Cheapest for Low Mileage Drivers in Boston? (FAQ)
• How Much is Boston Auto Insurance for State Employees? (FAQ)
• How to Avoid Common Accidents (State Farm)
• Red Light Cameras (State Farm)