Compare Saturn VUE Insurance Rates in Stockton

How many times have you said it’s time to compare more competitive Saturn VUE insurance in Stockton? I can’t think of a single person who gets a kick out of paying for insurance, particularly when they are paying too much.

It’s easy to assume that auto insurance companies don’t want policyholders to shop around. Insureds who shop around are highly likely to move their business because of the high probability of finding a lower-priced policy. A study discovered that people who faithfully checked for cheaper rates saved on average $3,450 over four years compared to people who never compared prices.

If saving money on car insurance in Stockton is your objective, then having some insight into how to shop for coverage rates can help you succeed in finding affordable rates. Numerous insurers battle to insure your vehicles, and it can be difficult to compare rates to find the lowest rate possible on Saturn VUE insurance in Stockton.

The auto insurance companies shown below are ready to provide price comparisons in Stockton, CA. If multiple companies are shown, we recommend you visit as many as you can to find the most competitive auto insurance rates.

Statistics and details

The premium table below highlights a range of insurance coverage prices for Saturn VUE models. Having a better idea how insurance prices are established can assist in making decisions on which coverage to buy.

Premium data assumes married male driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and California minimum liability limits. Discounts applied include multi-policy, claim-free, homeowner, safe-driver, and multi-vehicle. Price estimates do not factor in specific Stockton garaging location which can increase or decrease prices significantly.

Choosing deductibles

The hardest decision when buying coverage is where should you set your physical damage deductibles. The following insurance rates approximate the differences in price when you choose different physical damage deductibles. The first set of rates uses a $100 deductible for comp and collision and the second price grid uses a $1,000 deductible.

Cost estimates assume married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include safe-driver, multi-vehicle, claim-free, homeowner, and multi-policy. Information does not factor in vehicle garaging location which can modify premiums substantially.

We can estimate from the data above that using a $100 deductible costs approximately $44 more each month or $528 for a full year averaged for all VUE models than quoting the higher $1,000 deductible. Due to the fact that you would have to pay $900 more out of your own pocket with a $1,000 deductible as compared to a $100 deductible, if you usually have more than 20 months between claims, you would come out ahead going with the higher deductible. The table below shows how you can make this decision for your own policy.

Comparison of full coverage and liability-only policies

The example below compares Saturn VUE premium costs with full physical damage coverage compared to only buying the minimum liability limits required in California. The premiums are based on a clean driving record, no at-fault accidents, $500 deductibles, single marital status, and no discounts are factored in.

When to drop comprehensive and collision

There is no clear-cut formula that works best for making the decision to drop comp and collision coverage, but there is a guideline you can use. If the annual cost of having full coverage is more than 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 replacement cost is $6,000 and you have $1,000 physical damage deductibles. If your vehicle is damaged in an accident, you would only receive $5,000 after the policy deductible has been paid. If it’s costing you more than $500 annually for comprehensive and collision coverage, then you may want to consider only buying liability coverage.

There are some conditions where eliminating full coverage is not advised. If you still have a loan on your vehicle, you have to carry full coverage in order to keep the loan. Also, if you can’t afford to buy a different vehicle if your current one is totaled, you should keep full coverage in place.

Why You Might Pay Increased Rates in Stockton

One of the most helpful ways to save on insurance is to to have a grasp of a few of the rating criteria that go into determining your premiums. When consumers understand what positively or negatively impacts your premiums, this allows you to make good choices that could help you find much lower annual insurance costs. Many different elements are part of the calculation when pricing auto insurance. Some are pretty understandable like an MVR report, but some are not quite as obvious like where you live and annual miles driven.

The following are some of the things companies use to determine prices.

Pleasure use or commuting – The more you drive in a year the higher your rates will be. A lot of insurance companies calculate rates determined by how the vehicle is used. Cars and trucks that sit idle most of the time get more affordable rates than those used for commuting. It’s always a good idea to double check that your declarations sheet is rated on the proper vehicle usage, because it can save money. An improperly rated VUE is throwing money out the window.

Vehicles with better crash test results save money – Cars with five star safety ratings cost less to insure. Safe vehicles result in less severe injuries and any reduction in injury severity translates into fewer and smaller insurance claims and lower rates for you. If your Saturn VUE scored better than four stars on Safercar.gov you may qualify for a discount.

Younger drivers are expensive to insure – Older people are shown to be more cautious, file fewer claims, and get fewer tickets. Drivers with little experience tend to be careless and easily distracted when at the wheel of a vehicle so insurance rates are higher.

The data below uses these assumptions: single driver, full coverage with $500 deductibles, and no discounts or violations.

Prevent theft and save – Selecting a car model with a theft deterrent system can help lower your rates. Theft prevention features like LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system help track and prevent car theft.

Protect more than your Saturn VUE

Even though Stockton VUE insurance rates can get expensive, buying car insurance is required for several reasons.

• Almost all states have compulsory liability insurance requirements which means you are required to carry a minimum amount of liability insurance coverage if you want to drive legally. In California these limits are 15/30/5 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.
• If you have a loan on your vehicle, most banks will make it mandatory that you buy insurance to ensure loan repayment if the vehicle is totaled. If the policy lapses, the bank or lender will purchase a policy for your Saturn at a significantly higher premium and force you to reimburse them for it.
• Car insurance preserves both your Saturn VUE and your personal assets. It will also provide coverage for most medical and hospital costs for not only you but also any passengers injured in an accident. Liability insurance also covers all legal expenses up to the policy limit if you are sued as the result of an accident. If you receive damage to your vehicle caused by a storm or accident, comprehensive and/or collision insurance will pay to repair the damage.

The benefits of carrying enough insurance are definitely more than the cost, particularly when you have a large claim. On average, a vehicle owner in Stockton overpays as much as $830 a year so compare quotes from several companies once a year at a minimum to be sure current rates are still competitive.