Save Money on Saturn VUE Insurance in Toledo

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A recent study showed that almost 70% of insureds have been with the same company for at least four years, and approximately 38% of consumers have never even compared rates from other companies. Consumers in Toledo can save hundreds of dollars each year by just comparing rate quotes, but most just don't grasp the amount of savings they would get if they switched to a more affordable policy.

Discount Saturn VUE insuranceIt takes a little time, but the best way to get affordable Saturn VUE insurance in Toledo is to compare prices annually from providers who provide auto insurance in Ohio.

Step 1: Spend a few minutes and learn about policy coverages and the measures you can control to keep rates in check. Many rating factors that increase rates such as speeding tickets, careless driving and a poor credit rating can be controlled by making lifestyle changes or driving safer.

Step 2: Compare price quotes from exclusive agents, independent agents, and direct providers. Exclusive and direct companies can provide rates from a single company like GEICO and State Farm, while independent agencies can provide prices for a wide range of insurance providers. Compare rates

Step 3: Compare the price quotes to your current policy premium and determine if there is any savings. If you find better rates and change companies, ensure there is no coverage lapse between policies.

Step 4: Give notification to your current company of your intent to cancel your current car insurance policy. Submit a down payment along with a completed application to the newly selected company. Be sure to place your new proof of insurance paperwork in an easily accessible location in your vehicle.

A crucial key to this process is that you use the same coverage limits and deductibles on every price quote and and to get price estimates from as many auto insurance providers as possible. This ensures a level playing field and a complete rate analysis.

Most major insurance companies such as State Farm, GEICO and Progressive make it easy to get coverage price quotes on the web. Comparing prices online for Saturn VUE insurance in Toledo doesn't take a lot of time as you just enter the amount of coverage you want into the form. After the form is submitted, the company's rating system will obtain credit information and your driving record and returns a price.

Using the web to get rates for Saturn VUE insurance in Toledo makes it a lot easier to compare rates and it's necessary to have as many quotes as possible if you want to get lower-cost auto insurance pricing.

To save time and use this form to compare rates, compare rates now from the companies shown below. If you have a policy now, it's recommended you input the coverages as shown on your current policy. Doing this assures you will have rate comparison quotes for the exact same coverage.

The providers in the list below provide price comparisons in Toledo, OH. If multiple companies are listed, it's a good idea that you click on several of them in order to get a fair rate comparison.

Rates and information analytics

The rate table displayed below covers different insurance rates for Saturn VUE models. Having a good understanding how insurance prices are established can aid in making smart choices when buying a policy.

Saturn VUE Insurance Rates in Toledo, OH
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Vue XE 2WD $178 $266 $234 $14 $70 $762 $64
Vue XR 2WD $178 $324 $234 $14 $70 $820 $68
Vue XR-L 2WD $200 $324 $234 $14 $70 $842 $70
Vue XR AWD $200 $324 $234 $14 $70 $842 $70
Vue XR-L AWD $200 $382 $234 $14 $70 $900 $75
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Data variables include married male driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Ohio minimum liability limits. Discounts applied include claim-free, homeowner, multi-vehicle, multi-policy, and safe-driver. Information does not factor in Toledo location which can influence auto insurance rates greatly.

An analysis of deductible level

One of the more difficult decisions when buying auto insurance is which comprehensive and collision deductibles to buy. The rates shown below can help show the price difference between high and low physical damage deductibles. The first set of rates uses a $100 deductible for comprehensive and collision coverage and the second price grid uses a $1,000 deductible.

Saturn VUE insurance with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Vue XE 2WD $196 $290 $226 $14 $68 $819 $68
Vue XR 2WD $196 $352 $226 $14 $68 $881 $73
Vue XR-L 2WD $220 $352 $226 $14 $68 $905 $75
Vue XR AWD $220 $352 $226 $14 $68 $905 $75
Vue XR-L AWD $220 $416 $226 $14 $68 $969 $81
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Saturn VUE insurance with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Vue XE 2WD $108 $152 $226 $14 $68 $568 $47
Vue XR 2WD $108 $186 $226 $14 $68 $602 $50
Vue XR-L 2WD $122 $186 $226 $14 $68 $616 $51
Vue XR AWD $122 $186 $226 $14 $68 $616 $51
Vue XR-L AWD $122 $220 $226 $14 $68 $650 $54
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Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, and Ohio minimum liability limits. Discounts applied include homeowner, claim-free, multi-vehicle, multi-policy, and safe-driver. Rate quotes do not factor in vehicle garaging location which can change insurance rates noticeably.

We can derive from the above data that using a $100 deductible will cost you about $23 more each month or $276 each year across all Saturn VUE models than quoting the higher $1,000 deductible. Because you would be required to pay $900 more if you turn in a claim with a $1,000 deductible as compared to a $100 deductible, if you normally go more than 39 months between claim filings, you would probably come out ahead if you elect the higher deductible.

The chart below shows how choosing a deductible and can affect Saturn VUE annual premium costs for different ages of insureds. Data assumes a married female driver, comp and collision included, and no discounts are applied.

Impact of careless driving on auto insurance rates

The example below shows how violations and accidents drive up Saturn VUE auto insurance rates for different age categories. The costs are based on a single male driver, full coverage, $500 deductibles, and no policy discounts are applied.

Car insurance policy discounts for Saturn VUE insurance in Toledo

Not too many consumers would say car insurance is affordable, but you may qualify for discounts that can help lower your rates. Certain discounts will be applied at the time of purchase, but a few must be specially asked for before you get the savings.Save money with discounts

  • New Vehicle Savings - Adding a new car to your policy is cheaper because newer vehicles keep occupants safer.
  • Discounts for Federal Employees - Federal government employees could cut as much as 10% off with a few car insurance companies.
  • Data Collection Discounts - Insureds that choose to allow their car insurance company to scrutinize when and where they use their vehicle through the use of a telematics system such as In-Drive from State Farm or Allstate's Drivewise system may get a rate reduction if they have good driving habits.
  • Payment Discounts - By paying your entire bill at once rather than paying monthly you can avoid monthly service charges.
  • Distant College Student Discount - Children who live away from home at college and won't have access to an insured vehicle may be insured at a cheaper rate.

Please keep in mind that some credits don't apply to all coverage premiums. Most only apply to individual premiums such as collision or personal injury protection. Even though it may seem like it's possible to get free car insurance, nobody gets a free ride. Any amount of discount will bring down your policy premium.

The example below shows the comparison of Saturn VUE premium costs with and without discounts. The premium estimates are based on a male driver, no violations or claims, Ohio state minimum liability limits, full coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, claim-free, multi-policy, multi-car, homeowner, and safe-driver discounts applied.

To view insurance companies that offer discounts in Ohio, click here.

It may be expensive, but it's not optional

Even though Toledo VUE insurance rates can get expensive, buying insurance is required by state law in Ohio and it also provides benefits you may not be aware of.

  • The majority of states have compulsory liability insurance requirements which means the state requires a specific level of liability in order to drive the car legally. In Ohio these limits are 25/50/25 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
  • If you took out a loan on your Saturn, most banks will force you to have insurance to ensure the loan is repaid in case of a total loss. If you do not pay your insurance premiums, the bank or lender will purchase a policy for your Saturn at a significantly higher premium and force you to pay for the expensive policy.
  • Insurance preserves your vehicle and your assets. It also can pay for medical transport and hospital expenses incurred in an accident. Liability insurance, one of your policy coverages, will also pay attorney fees in the event you are sued. If your car is damaged in a storm or accident, collision and comprehensive (also known as other-than-collision) coverage will cover the damage repairs after a deductible is paid.

The benefits of carrying enough insurance definitely exceed the price paid, especially when you need to use it. Today the average American driver is overpaying more than $810 a year so we recommend shopping around at least once a year to ensure rates are competitive.

How to find a good Ohio car insurance company

Finding a good quality car insurance company can be a challenge considering how many different companies sell coverage in Toledo. The ranking information in the next section could help you pick which companies to look at shopping your coverage with.

Best Car Insurance Companies in Toledo
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
USAA 99 100 90 92% A++ 97.4
21st Century 89 86 100 88% A 92.7
GEICO 97 91 88 85% A++ 92.5
Nationwide 88 94 91 88% A+ 91.3
AAA Insurance 93 87 88 87% A 90.8
Liberty Mutual 91 91 92 87% A 90.7
Safeco Insurance 90 93 88 86% A 90.2
State Farm 91 94 80 88% A++ 90.2
Travelers 89 91 94 79% A++ 90.1
American Family 88 92 83 88% A 89.4
Titan Insurance 89 91 83 86% A+ 89.3
Allstate 90 90 84 85% A+ 89.1
Progressive 83 85 99 87% A+ 88.7
Erie Insurance 92 90 82 88% A+ 88.5
The Hartford 87 89 84 87% A+ 88
Esurance 84 88 85 83% A+ 86
Farmers Insurance 79 88 84 87% A 84.7
The General 88 80 85 80% A- 84.5
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Data Source: Best Car Insurance Companies

What insurance coverages do I need?

When it comes to the right insurance coverage for your vehicles, there is no single plan that fits everyone. Each situation is unique.Higher deductibles save money

Here are some questions about coverages that can aid in determining whether your personal situation might need professional guidance.

  • Do I need replacement cost coverage on my Saturn VUE?
  • Will my rates increase for filing one claim?
  • How much liability do I need to cover my assets?
  • Will I lose any money if I cancel my policy before it expires?
  • Am I covered if I hit a deer?
  • What discounts do I qualify for?
  • What is the minimum liability in Ohio?
  • How much can I save by bundling my policies?
  • Am I covered by my spouse's policy after a separation?
  • Am I covered when driving someone else's vehicle?

If you're not sure about those questions but you know they apply to you, you might consider talking to an insurance agent. To find lower rates from a local agent, complete this form.

Local Toledo insurance agencies and car insurance

Some consumers just want to buy from a local agent and that can be a great decision One of the benefits of comparing rates online is the fact that you can find cheaper prices but still work with a licensed agent.

Insurance agency in ToledoBy using this form (opens in new window), the coverage information is immediately sent to agents in your area that can give you free Toledo auto insurance quotes for your car insurance coverage. You won't need to contact any agents because quoted prices will be sent to you directly. It's the lowest rates without the usual hassles of price shopping. If you have a need to get a price quote from a particular provider, don't hesitate to visit that company's website and give them your coverage information.

Finding a good company shouldn't rely on just the quoted price. The answers to these questions are important, too.

  • Does the agency have a good rating with the Better Business Bureau?
  • If your car is in the repair shop, do you have coverage for a rental car?
  • Which family members are covered?
  • Does their agency support local causes in Toledo?
  • How many years have they been established?
  • Do they specialize in personal lines auto insurance in Toledo?
  • Do they have designations such as AIC, CPCU, or CIC?