Auto Insurance Quotes for a Saturn VUE in Pittsburgh

Insurance quote for Saturn VUE in PittsburghUnthinkable but true, nearly 70% of customers have stayed with the same insurance company for a minimum of four years, and approximately 38% of consumers have never even compared quotes to find affordable rates. The average driver in Pittsburgh could save roughly 55% each year by just shopping around, but they don’t know how much they could save if they swap their current policy for a cheaper one.

To save the most money, the best way to get affordable auto insurance rates is to regularly compare quotes from companies in Pittsburgh. You can shop around by following these steps.

Step 1: Spend a few minutes and learn about how insurance works and the changes you can make to prevent expensive coverage. Many rating factors that result in higher prices such as accidents, careless driving, and a negative credit rating can be improved by being financially responsible and driving safely. This article gives the details to lower rates and earn a bigger discount.

Step 2: Compare prices from independent agents, exclusive agents, and direct companies. Direct and exclusive agents can give quotes from one company like Progressive or State Farm, while agents who are independent can quote prices for a wide range of companies.

Step 3: Compare the new rates to your current policy premium and determine if there is any savings. If you find better rates and decide to switch, verify that coverage does not lapse between policies.

An essential thing to point out is that you’ll want to make sure you compare identical coverages on each price quote and and to get rate quotes from as many carriers as you can. Doing this provides a level playing field and many rates to choose from.

Best companies for affordable Saturn VUE insurance in Pennsylvania

The companies shown below offer comparison quotes in Pittsburgh, PA. If multiple companies are listed, we recommend you visit as many as you can to get a more complete price comparison.

Rates and other information

The information shown next highlights estimates of coverage prices for Saturn VUE models. Having a good grasp of how prices are calculated is important for making informed decisions when comparing rates.

Saturn VUE Insurance Rates in Pittsburgh, PA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Vue XE 2WD $178 $278 $346 $20 $104 $926 $77
Vue XR 2WD $178 $338 $346 $20 $104 $986 $82
Vue XR-L 2WD $200 $338 $346 $20 $104 $1,008 $84
Vue XR AWD $200 $338 $346 $20 $104 $1,008 $84
Vue XR-L AWD $200 $400 $346 $20 $104 $1,070 $89
Get Your Own Custom Quote Go

Prices based on married female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Pennsylvania minimum liability limits. Discounts applied include claim-free, multi-policy, safe-driver, homeowner, and multi-vehicle. Information does not factor in Pittsburgh location which can change price quotes significantly.

Rate comparison for different deductibles

One common question asked by Pittsburgh drivers is how low should you set your deductibles. The data tables below can help show how much more rates are between low and high physical damage coverage deductibles. The first table uses a $100 deductible for physical damage and the second price chart uses a $500 deductible.

Saturn VUE insurance premium estimates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Vue XE 2WD $284 $420 $330 $20 $98 $1,177 $98
Vue XR 2WD $284 $512 $330 $20 $98 $1,269 $106
Vue XR-L 2WD $320 $512 $330 $20 $98 $1,305 $109
Vue XR AWD $320 $512 $330 $20 $98 $1,305 $109
Vue XR-L AWD $320 $602 $330 $20 $98 $1,395 $116
Get Your Own Custom Quote Go

Saturn VUE insurance premium estimates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Vue XE 2WD $206 $284 $330 $20 $98 $938 $78
Vue XR 2WD $206 $346 $330 $20 $98 $1,000 $83
Vue XR-L 2WD $234 $346 $330 $20 $98 $1,028 $86
Vue XR AWD $234 $346 $330 $20 $98 $1,028 $86
Vue XR-L AWD $234 $408 $330 $20 $98 $1,090 $91
Get Your Own Custom Quote Go

Data variables include married male driver age 30, no speeding tickets, no at-fault accidents, and Pennsylvania minimum liability limits. Discounts applied include multi-policy, claim-free, homeowner, multi-vehicle, and safe-driver. Premium costs do not factor in specific location which can raise or lower insurance rates considerably.

Based on this data, using a $100 deductible will cost you about $23 more each month or $276 for a full year than quoting the higher $500 deductible. Since you would have to pay $400 more out-of-pocket with a $500 deductible as compared to a $100 deductible, if you average more than 17 months between claims, you would probably be better off by selecting a higher deductible.

How to calculate deductible break even period

Average monthly premium for $100 deductibles: $108
Average monthly premium for $500 deductibles (subtract): – $85
Monthly savings from raising deductible: $23
Difference between deductibles ($500 – $100): $400
Divide difference by monthly savings: $400 / $23
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 17 months

One thing to note is that increasing deductibles to save money results in more money out-of-pocket at claim time. That will force you to have enough disposable income in order to pay more for the deductible.

Saturn VUE insurance costs by age and gender

The chart below illustrates the comparison of Saturn VUE insurance costs for male and female drivers. The premium estimates are based on no tickets, no at-fault accidents, full coverage, $250 deductibles, drivers are not married, and no discounts are applied.

Cost difference between full coverage and liability

The information below visualizes the comparison of Saturn VUE yearly insurance costs with and without full coverage. The price estimates are based on no accidents or driving violations, $500 deductibles, single marital status, and no discounts are taken into consideration.

When to buy liability coverage only

There is no written rule of when to phase out comp and collision coverage, but there is a broad guideline. If the annual cost of coverage is about 10% or more of the replacement cost minus the deductible, then you may need to consider dropping full coverage.

For example, let’s say your Saturn VUE claim settlement value is $7,000 and you have $1,000 full coverage deductibles. If your vehicle is damaged in an accident, the most you would receive is $6,000 after you pay the deductible. If premium cost is more than $600 a year to have full coverage, then you might want to consider buying only liability coverage.

There are some conditions where dropping physical damage coverage is not in your best interest. If you haven’t satisfied your loan, you have to keep full coverage in order to satisfy the requirements of the loan. Also, if your emergency fund is not enough to purchase a different vehicle if your current one is in an accident, you should not opt for liability only.

You may qualify for discounts for Saturn VUE insurance in Pittsburgh

Car insurance companies do not advertise every discount available in an easy-to-find place, so the following is a list of both well-publicized in addition to some of the lesser obvious discounts you could be receiving when you buy Pittsburgh car insurance online. If you check and find you aren’t receiving every discount available, you’re just leaving money on the table.Insurance discounts

Don’t be surprised that most credits do not apply to the overall cost of the policy. Some only apply to the cost of specific coverages such as comprehensive or collision. Just because it seems like it’s possible to get free car insurance, it doesn’t quite work that way.

The illustration below shows the difference between Saturn VUE insurance costs with and without policy discounts. The data is based on a female driver, no claims or driving violations, Pennsylvania state minimum liability limits, comprehensive and collision coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, multi-policy, multi-car, safe-driver, marriage, and homeowner discounts applied.

Some of the larger companies that possibly offer some of the discounts shown above include:

When quoting, ask every prospective company to apply every possible discount. Some discounts listed above may not apply to policies everywhere.

Informed Consumers Can Slash Their Insurance Rates

Many different elements are used in the calculation when premium rates are determined. Some factors are common sense such as traffic violations, but others are not quite as obvious like your vehicle usage or your commute time. The best way to find cheaper auto insurance is to take a look at some of the elements that are used to determine your auto insurance rates. If you have a feel for what controls the rates you pay, this allows you to make good choices that will entitle you to lower auto insurance prices.

Auto insurance quotes from local Pittsburgh insurance agents

Certain consumers still prefer to sit down with an agent and that is a personal choice. A nice benefit of getting free rate quotes online is the fact that drivers can get the best rates and still have an agent to talk to. Buying from local agents is important especially in Pittsburgh.

Insurance agency in PittsburghBy using this short form, your coverage information is emailed to agents in your area who will return price quotes and help you find cheaper coverage. You never need to leave your house because quoted prices will be sent instantly to you. You can most likely find cheaper rates AND an agent nearby. If you want to quote rates from a specific auto insurance provider, you would need to search and find their rate quote page and submit a quote form there.

If you are wanting to purchase auto insurance from a reputable insurance agent or broker, there are a couple of different types of agents and how they operate. Insurance agencies in Pittsburgh are either independent (non-exclusive) or exclusive.

Independent Agents (or Brokers)

Agents of this type do not work for one specific company so as a result can place your coverage with a variety of different insurance companies and help determine which has the cheapest rates. To transfer your coverage to a different company, your agent can just switch to a different company and you stay with the same agent.

If you are trying to find cheaper rates, it’s recommended you include price quotes from multiple independent agents to get the most accurate price comparison. They often place coverage with smaller companies which could offer lower prices.

Shown below is a partial list of independent agents in Pittsburgh who may provide price quote information.

More Pittsburgh agents

Exclusive Auto Insurance Agents

These type of agents write business for a single company such as Allstate and State Farm. Exclusive agents are unable to provide rate quotes from other companies so they really need to provide good service. Exclusive insurance agents are highly trained on their products and sales techniques and that can be a competitive advantage. Some insured continue to use the same exclusive agent mainly due to high brand loyalty rather than having the cheapest rates.

Below is a list of exclusive agencies in Pittsburgh who can help you get price quote information.

More Pittsburgh agents

Selecting an auto insurance agent should depend on more than just a cheap price quote. These are some questions you should get answers to.

Pennsylvania auto insurance company ratings

Finding a high-quality insurance provider is hard considering how many different companies sell coverage in Pennsylvania. The company ratings displayed below may help you select which car insurance providers to look at putting your business with.

Top 10 Pittsburgh Car Insurance Companies Ranked by Customer Service

  1. Titan Insurance
  2. The Hartford
  3. American Family
  4. Progressive
  5. USAA
  6. Travelers
  7. State Farm
  8. GEICO
  9. Erie Insurance
  10. Allstate

Top 10 Pittsburgh Car Insurance Companies Overall

  1. The General
  2. Titan Insurance
  3. The Hartford
  4. Progressive
  5. Travelers
  6. State Farm
  7. Farmers Insurance
  8. Erie Insurance
  9. Safeco Insurance
  10. USAA

More comparisons equals affordable rates

Cost effective Saturn VUE insurance can be found from both online companies in addition to local insurance agencies, and you should be comparing both in order to have the best chance of saving money. There are still a few companies who do not provide rate quotes online and these smaller providers prefer to sell through independent insurance agencies.

We covered many ways to lower your Saturn VUE insurance rates in Pittsburgh. The key concept to understand is the more providers you compare, the better chance you’ll have of finding affordable Saturn VUE insurance quotes. You may even find the biggest savings come from some of the lesser-known companies.

As you shop your coverage around, it’s very important that you do not sacrifice coverage to reduce premiums. There are many occasions where consumers will sacrifice comprehensive coverage or liability limits to discover at claim time that it was a big error on their part. The goal is to purchase a proper amount of coverage for the lowest price but still have enough coverage for asset protection.

More tips and info about auto insurance can be read at these sites: