It’s astonishing, but a large majority of drivers have been with the same company for over three years, and 38% of drivers have never quoted rates to find cheap coverage. Drivers in Tucson can save hundreds of dollars each year, but they just feel it’s too hard to compare rate quotes online.
If saving money is your primary concern, then the best way to get affordable Saturn VUE insurance is to begin comparing prices regularly from providers who sell insurance in Tucson.
Step 1: It will benefit you to learn about how companies set rates and the measures you can take to prevent rate increases. Many rating criteria that increase rates like at-fault accidents, speeding tickets, and a negative credit history can be amended by making lifestyle changes or driving safer.
Step 2: Request rate estimates from direct, independent, and exclusive agents. Exclusive and direct companies can only give rate quotes from one company like Progressive or Allstate, while independent agents can give you price quotes from multiple insurance companies.
Step 3: Compare the quotes to your existing policy and determine if cheaper VUE coverage is available. If you find a lower rate, ensure there is no coverage lapse between policies.
A key point to remember is to compare identical coverages on every quote and and to get quotes from all possible companies. This enables a fair price comparison and a complete selection of prices.
If you currently have insurance, you will be able to buy cheaper insurance using the techniques presented in this article. Locating the most cost-effective insurance policy in Tucson is actually very simple if you learn how to start. Although Arizona drivers must learn how big insurance companies price online insurance because rates fluctuate considerably.
Best companies for cheap Saturn VUE insurance in Arizona
The companies shown below offer quotes in Arizona. If your goal is to find cheap auto insurance in Tucson, it’s a good idea that you visit two to three different companies to get the most competitive price.
Data for Saturn VUE insurance
The rate table shown next outlines estimates of prices for Saturn VUE models. Learning how insurance rates are established can help customers make smart choices when buying a policy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Vue XE 2WD | $124 | $198 | $314 | $18 | $94 | $748 | $62 |
| Vue XR 2WD | $124 | $240 | $314 | $18 | $94 | $790 | $66 |
| Vue XR-L 2WD | $138 | $240 | $314 | $18 | $94 | $804 | $67 |
| Vue XR AWD | $138 | $240 | $314 | $18 | $94 | $804 | $67 |
| Vue XR-L AWD | $138 | $284 | $314 | $18 | $94 | $848 | $71 |
| Get Your Own Custom Quote Go | |||||||
Above prices assume married female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Arizona minimum liability limits. Discounts applied include multi-vehicle, claim-free, homeowner, safe-driver, and multi-policy. Prices do not factor in garaging location in Tucson which can change prices considerably.
Full coverage or liability only
The information below visualizes the comparison of Saturn VUE premium costs with full physical damage coverage compared to only buying the minimum liability limits required in Arizona. The premiums are based on no tickets, no at-fault accidents, $250 deductibles, drivers are single, and no discounts are factored in.
When to buy liability coverage only
There is no clear-cut formula for excluding physical damage insurance, but there is a broad guideline. If the annual cost of coverage is more than around 10% of the settlement you would receive from your company, then you might want to think about dropping full coverage.
For example, let’s say your Saturn VUE replacement value is $6,000 and you have $1,000 policy deductibles. If your vehicle is severely damaged, you would only receive $5,000 after paying the physical damage deductible. If you are paying more than $500 annually for your policy with full coverage, then it might be time to consider dropping full coverage.
There are some scenarios where only buying liability is not recommended. If you still owe money on your vehicle, you have to maintain full coverage as part of the loan conditions. Also, if you cannot afford to purchase a different vehicle in the event your current vehicle is totaled, you should not remove full coverage.
Car insurance discounts help lower rates for Saturn VUE insurance in Tucson
Insuring your fleet can be pricey, but you may find discounts that you may not know about. Many discounts should be triggered when you purchase, but a few must be asked about prior to getting the savings.
- Accident-Free Discounts – Insureds who avoid accidents and claims have much lower rates as opposed to bad drivers.
- Student Discounts – Getting good grades can be rewarded with saving of up to 25%. The good student discount can last well after school through age 25.
- Employee of Federal Government – Having worked for a branch of the government could provide a small rate reduction with select insurance companies.
- Discounts for New Vehicles – Buying a new car instead of a used VUE may earn a small discount due to better safety requirements for new vehicles.
- Discount for Passive Restraints – Vehicles equipped with air bags and/or automatic seat belt systems can get savings of 20 to 30 percent.
- Home Ownership Discount – Being a homeowner can get you a discount since home ownership requires personal responsibility.
- Active Military Service – Being on active deployment in the military can result in better rates.
As a sidenote, many deductions do not apply to the whole policy. Most only reduce the price of certain insurance coverages like medical payments or collision. Even though the math looks like all the discounts add up to a free policy, it’s just not the way it works.
The chart below shows the comparison of Saturn VUE car insurance costs with and without discounts being applied to the rates. The premiums are based on a female driver, no violations or accidents, Arizona state minimum liability limits, full coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, multi-car, marriage, claim-free, multi-policy, and safe-driver discounts applied.
If you would like to see a list of companies with discount rates in Arizona, follow this link.
When to talk to an insurance agent
A small number of people would rather talk to an insurance agent and that is just fine! The best thing about comparing insurance prices online is you can get the lowest rates and still choose a local agent. Supporting local insurance agencies is definitely important in Tucson.
After filling out this quick form, the quote information gets sent to agents in your area who will return price quotes and help you find cheaper coverage. You won’t need to even leave your home since price quotes are sent immediately to you. You can most likely find cheaper rates AND a local agent. If for some reason you want to get a comparison quote from a particular provider, just search and find their rate quote page to submit a rate quote request.
Pick the best auto insurance agent in Tucson for you
If you are searching for a reliable agent, you need to know there are two types of agencies that you can select. Auto insurance agents are categorized either independent (non-exclusive) or exclusive.
Independent Agents
Independent agents do not work for one specific company so as a result can place your coverage with a variety of different insurance companies and potentially find a lower price. If they find a lower price, your agent can just switch to a different company and you don’t have to switch agencies.
When searching for an agent, we recommend you get some free quotes from multiple independent agents for the best price selection.
Shown below is a list of independent agents in Tucson that can possibly get you comparison quotes.
ETNA INSURANCE AGENCY, INC.
3430 N 1st Ave #2 – Tucson, AZ 85719 – (520) 887-4700 – View Map
Arizona Southern Insurance Agency
6544 E 22nd St – Tucson, AZ 85710 – (520) 747-3900 – View Map
Tucson Insurance Associates
51 W Wetmore Rd #101 – Tucson, AZ 85705 – (520) 396-4727 – View Map
Exclusive Agencies
Exclusive insurance agents can only quote rates from one company and some examples include Allstate, State Farm and Farmers Insurance. Exclusive agents cannot provide rate quotes from other companies so they are skilled at selling on more than just price. Exclusive agencies are usually quite knowledgeable on the products they sell which helps them sell insurance even at higher premiums.
The following are Tucson exclusive agents that can give you price quotes.
Tom DeBerry – State Farm Insurance Agent
4178 E 22nd St – Tucson, AZ 85711 – (520) 745-2800 – View Map
Julie Burnett – State Farm Insurance Agent
6590 E Tanque Verde Rd B – Tucson, AZ 85715 – (520) 885-2321 – View Map
Mike Severson – State Farm Insurance Agent
5475 S Calle Santa Cruz Ste 161 – Tucson, AZ 85706 – (520) 746-1079 – View Map
Choosing the best auto insurance agent is decision based upon more than just a cheap quote. Any agent in Tucson should be willing to answer these questions.
- Does the agency have a good rating with the Better Business Bureau?
- Do they regularly work with personal auto policies in Tucson?
- Can you contact them at any time?
- How is replacement cost determined on your vehicle?
- Who are their largest clients?
- Where are claims handled?
- What are their preferred companies if they are an independent agency?
You can lower your car insurance rates
When searching for affordable Saturn VUE insurance quotes, it’s very important that you do not buy poor coverage just to save money. There have been many situations where drivers have reduced uninsured motorist or liability limits and discovered at claim time that the savings was not a smart move. The aim is to buy enough coverage at the best cost while still protecting your assets.
In this article, we presented a lot of techniques to find lower-cost Saturn VUE insurance in Tucson. The key thing to remember is the more times you quote, the better likelihood of getting affordable Tucson car insurance quotes. You may even discover the lowest priced car insurance comes from a company that doesn’t do a lot of advertising. Some small companies often have lower prices on specific markets than their larger competitors like Allstate or State Farm.
Helpful information
- Uninsured Motorist Statistics (Insurance Information Institute)
- Who Has the Cheapest Tucson Car Insurance for Drivers Over Age 50? (FAQ)
- Who Has Affordable Auto Insurance Rates for Drivers with Accidents in Tucson? (FAQ)
- Who Has Affordable Car Insurance Quotes for Teenage Females in Tucson? (FAQ)
- Who Has the Cheapest Tucson Auto Insurance for Ride Shares? (FAQ)
- Prom Night Tips for Teen Drivers (State Farm)
- Insurance losses by make and model (Insurance Institute for Highway Safety)
- Airbag FAQ (iihs.org)
- State Car Insurance Guides (GEICO)