Auto Insurance Rates for a Saturn VUE in Jacksonville

The best way we recommend to find affordable car insurance rates in Jacksonville is to regularly compare price quotes from insurers who sell insurance in Florida.

1. Learn about policy coverages and the factors you can control to prevent high rates. Many things that drive up the price such as distracted driving and poor credit can be improved by paying attention to minor details.
2. Request rate estimates from direct carriers, independent agents, and exclusive agents. Exclusive and direct companies can only give rate quotes from one company like GEICO and Allstate, while independent agencies can provide rate quotes for many different companies. Select a company
3. Compare the new rates to your current policy to see if you can save by switching companies. If you find better rates and change companies, make sure coverage does not lapse between policies.

One key aspect of rate comparisons is to use similar coverage information on every quote and and to get rates from all possible companies. This guarantees the most accurate price comparison and a good representation of prices.

A recent insurance study revealed that the vast majority of drivers renewed their policy with the same company for a minimum of four years, and almost 40% of drivers have never shopped around. Jacksonville consumers could pocket as much as $1,126 a year, but they won’t spend time to do a rate comparison.

Compare quotes for Jacksonville Saturn VUE insurance

The companies shown below are our best choices to provide free rate quotes in Florida. If multiple companies are shown, we recommend you visit two to three different companies to get the most affordable price.

Auto insurance is not optional

Even though it’s not necessarily cheap to insure a Saturn in Jacksonville, buying auto insurance is mandatory in Florida but it also protects more than you think.

First, just about all states have minimum mandated liability insurance limits which means it is punishable by state law to not carry a specific level of liability protection in order to drive the car legally. In Florida these limits are 10/20/10 which means you must have $10,000 of bodily injury coverage per person, $20,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.

Second, if you have a lien on your car, most lenders will require that you carry insurance to ensure the loan is repaid in case of a total loss. If you default on your policy, the lender will be forced to insure your Saturn at a more expensive rate and require you to fork over the higher price.

Third, insurance protects both your Saturn and your assets. It also can pay for many types of medical costs that are the result of an accident. As part of your policy, liability insurance also covers legal expenses in the event you are sued. If damage is caused by hail or an accident, your auto insurance policy will cover the damage repairs after a deductible is paid.

The benefits of carrying enough insurance more than cancel out the cost, especially when you need to use it. The average driver in America overpays as much as $820 a year so shop around each time the policy renews to ensure rates are competitive.

Insurance coverage analysis

The coverage table below highlights detailed analysis of rate quotes for Saturn VUE models. Having a good grasp of how car insurance premiums are determined can be useful when making informed decisions when shopping around for a new policy.

Data based on single female driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Florida minimum liability limits. Discounts applied include multi-policy, safe-driver, multi-vehicle, homeowner, and claim-free. Prices do not factor in specific location which can affect prices noticeably.

Physical damage deductibles

One common question asked by Jacksonville drivers is which comprehensive and collision deductibles to buy. The figures shown below lay out the rate differences when you buy lower versus higher deductibles. The first data set uses a $100 comprehensive and collision deductible and the second set of rates uses a $1,000 deductible.

Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, and Florida minimum liability limits. Discounts applied include multi-policy, safe-driver, homeowner, claim-free, and multi-vehicle. Prices do not factor in specific Jacksonville garaging location which can influence coverage prices substantially.

Based on the above data, using a $100 deductible costs an average of $42 more each month or $504 a year 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 go at a minimum 21 months between claims, you would more than likely save some money if you choose a higher deductible. Here is an example of how this calculation is made.

An important thing to remember is that increasing deductibles to lower your rates means you will have to cover more of the damage yourself at claim time. You need to make sure you have some funds available in order to pay more for the deductible.

The example below demonstrates how deductible levels and can influence Saturn VUE insurance prices for different age categories. The costs are based on a single male driver, full coverage, and no additional discounts are factored in.

Lower rates by qualifying for discounts

Companies offering auto insurance do not advertise all their discounts in a way that’s easy to find, so the following list contains some of the best known in addition to some of the lesser obvious savings tricks you should be using when you buy Jacksonville auto insurance online.

• Fewer Miles Equal More Savings – Low mileage vehicles could earn cheaper auto insurance rates.
• Active Military Service – Having an actively deployed family member can result in better rates.
• First Accident Forgiveness – Not a discount per se, but certain companies permit an accident without getting socked with a rate hike if you have no claims for a certain period of time.
• No Claims – Good drivers with no accidents pay much less as compared to bad drivers.
• 55 and Retired – Drivers that qualify as senior citizens may be able to get lower premium rates.
• Early Payment Discounts – If you pay your bill all at once as opposed to paying monthly you may reduce your total bill.
• Student Discounts – Getting good grades can get you a discount of up to 25%. This discount can apply up until you turn 25.
• Discount for Swiching Early – Select companies give a discount for buying a new policy before your current expiration date. You may see this discount when you get Jacksonville auto insurance quotes online.

Discounts save money, but please remember that most of the big mark downs will not be given to the overall cost of the policy. Some only apply to specific coverage prices like liability, collision or medical payments. So even though it sounds like you could get a free auto insurance policy, companies don’t profit that way.

The chart below shows the difference between Saturn VUE yearly insurance costs with and without discounts applied to the policy rates. The data assumes a female driver, no claims or violations, Florida state minimum liability limits, full coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, homeowner, claim-free, marriage, multi-car, and safe-driver discounts applied.

A list of companies and some of the premium reductions they offer are outlined below.

• GEICO policyholders can earn discounts including federal employee, multi-policy, good student, five-year accident-free, and air bags.
• SAFECO may include discounts for anti-lock brakes, bundle discounts, drive less, multi-car, anti-theft, and teen safe driver.
• State Farm offers discounts for accident-free, anti-theft, multiple autos, defensive driving training, passive restraint, Steer Clear safe driver discount, and driver’s education.
• MetLife offers discounts including good driver, multi-policy, accident-free, claim-free, defensive driver, good student
• 21st Century has savings for early bird, automatic seat belts, good student, theft prevention, driver training, and air bags.
• Progressive may have discounts that include homeowner, continuous coverage, multi-vehicle, multi-policy, and online signing.

Before purchasing a policy, check with every company which credits you are entitled to. Some discounts might not be offered in Jacksonville. For a list of companies offering auto insurance discounts in Jacksonville, follow this link.