Auto Insurance Quotes for a Saturn VUE in Durham

Finding cheaper insurance for a Saturn VUE in North Carolina can be a lot of work, but you can use these tips to save time.

There is a better way to find car insurance online and we’ll show you the quickest way to quote coverages for a Saturn and obtain the lowest possible price from Durham insurance agents and online providers.

If you have a policy now or just want a better rate, you can use these tips to shop for the lowest rates while maintaining coverages. Shopping for more affordable auto insurance coverage in Durham is not as hard as you may think. Vehicle owners just need to know the least time-consuming way to compare prices from multiple carriers.

Cheap auto insurance in Durham, NC

The providers in the list below are our best choices to provide price quotes in North Carolina. To locate the cheapest auto insurance in Durham, we recommend you visit several of them to get the most affordable price.

Rates and other information

The information shown next showcases a range of rate quotes for Saturn VUE models. Having insight into how auto insurance premiums are calculated can be valuable when making smart choices when selecting a coverage provider.

Cost estimates assume married female driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and North Carolina minimum liability limits. Discounts applied include safe-driver, homeowner, claim-free, multi-vehicle, and multi-policy. Information does not factor in zip code location which can raise or lower premium rates significantly.

Physical damage deductibles: Should you raise them?

A question often asked by Durham drivers is where should you set your physical damage deductibles. The rates shown below show the rate fluctuation between low and high policy deductibles. The first rate estimation uses a $250 deductible and the second set of prices uses a $1,000 deductible.

Cost estimates assume married male driver age 30, no speeding tickets, no at-fault accidents, and North Carolina minimum liability limits. Discounts applied include claim-free, multi-policy, homeowner, safe-driver, and multi-vehicle. Price estimates do not factor in the specific area where the vehicle is garaged which can change insurance rates noticeably.

Based on this data, we can arrive at the conclusion that using a $250 deductible costs roughly $18 more each month or $216 annually than requesting the higher $1,000 deductible. Due to the fact that you would have to pay $750 more out of your own pocket with a $1,000 deductible as compared to a $250 deductible, if you tend to average at least 42 months between claim filings, you would probably come out ahead if you elect the higher deductible. The table below shows a better example of how this determination is made.

Auto insurance cost for men versus women

The information below shows the comparison of Saturn VUE car insurance rates for male and female drivers. The data assumes no claims or driving violations, comprehensive and collision coverage, $1,000 deductibles, drivers are not married, and no discounts are taken into consideration.

How much more does full coverage cost in Durham?

The example below illustrates the difference between Saturn VUE auto insurance costs when comparing full coverage to liability only. The premium estimates are based on no accidents, no driving violations, $500 deductibles, drivers are single, and no other discounts are factored in.

Should you pay for full coverage or liability only?

There is no specific rule to stop buying physical damage coverage on your policy, but there is a guideline you can consider. If the yearly cost of full coverage is more than 10% of the settlement you would receive from your company, then it might be time to buy liability only.

For example, let’s pretend your Saturn VUE book value is $5,000 and you have $1,000 physical damage deductibles. If your vehicle is severely damaged, the most your company would pay you is $4,000 after you pay the deductible. If you are currently paying more than $400 annually for physical damage coverage, then you might want to consider buying only liability coverage.

There are some cases where dropping full coverage is not a good plan. If you haven’t paid off your loan, you have to carry full coverage to satisfy the loan requirements. Also, if you can’t afford to buy a different vehicle if your current one is in an accident, you should keep full coverage.

Cheaper Saturn VUE insurance in Durham

Insuring your fleet can be pricey, but discounts can save money and there are some available that could drop your premiums quite a bit. Some trigger automatically at quote time, but a few must be manually applied prior to receiving the credit.

• Life Insurance – Not every insurance company offers life insurance, but if they do you may earn lower insurance rates if you buy auto and life insurance together.
• Fewer Miles Equal More Savings – Low annual miles may enable drivers to earn lower rates on the low mileage vehicles.
• Save over 55 – Older drivers can get a discount up to 10%.
• Accident-Free Discounts – Good drivers with no accidents pay much less in comparison with drivers who are more careless.
• Use Seat Belts – Using a seat belt and requiring all passengers to use a seat belt can save a little on medical payment and PIP coverage.
• Passive Restraints and Air Bags – Vehicles with factory air bags or automatic seat belts can get savings of 25 to 30%.

Discounts reduce rates, but you should keep in mind that some credits don’t apply to the entire policy premium. Most only reduce the price of certain insurance coverages like liability, collision or medical payments. So when it seems like you can get free auto insurance, nobody gets a free ride.

The illustration below visualizes the comparison of Saturn VUE auto insurance rates with and without discounts being applied to the rates. The information is based on a female driver, no tickets, no at-fault accidents, North Carolina 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 homeowner, multi-policy, claim-free, multi-car, safe-driver, and marriage discounts applied.

To see insurers that can offer you the previously mentioned discounts in North Carolina, click this link.

Saturn VUE Insurance Rates Can Be More Affordable

Consumers need to have an understanding of some of the things that aid in calculating the rates you pay for insurance. When consumers understand what determines premiums, this enables you to make decisions that could help you find big savings.

Vocation and insurance rates – Do you have a high-stress occupation? Occupations such as military personnel, social workers, and medical professionals usually pay the highest rates because of job stress and incredibly demanding work hours. Other jobs such as professors, athletes and performers generally pay rates lower than average.

Extra coverages you don’t use – There are a lot of extra coverages that can waste your money if you aren’t careful. Insurance for personal injury protection, accidental death, and term life insurance are some examples. They may sound like good ideas when deciding what coverages you need, but if they’re wasting money eliminate the coverages to reduce your premium.

Never let your coverage expire – Going without insurance is a guaranteed way to increase your rates. And not only will insurance be more expensive, being ticketed for driving with no insurance may earn you a steep fine or even jail time. You may have to prove you have insurance by filing a SR-22 with the North Carolina motor vehicle department.

Insurance claims cost money – If you frequently file small claims, don’t be surprised to see much higher rates or policy non-renewal. Auto insurance companies in North Carolina award most affordable rates to people that do not abuse their auto insurance. Auto insurance is intended to be relied upon for more catastrophic claims.

What are good liability protection limits? – The liability coverage on your policy kicks in in the event that you are determined to be liable for damages caused by your negligence. Your policy’s liability insurance provides for a legal defense which can be incredibly expensive. It is affordable coverage compared to insuring for physical damage coverage, so drivers should buy more than the minimum limits required by law.

High credit scores save money – Credit score is a large factor in calculating your insurance rates. If your credit rating is not that good, you could potentially save money when insuring your Saturn VUE by improving your rating. Drivers who have very high credit ratings tend to be more responsible and file fewer claims than drivers with lower credit scores.

Companies want multiple policies – Many companies provide better rates to buyers who have multiple policies with them, otherwise known as a multi-policy discount. Even if you already get this discount, you may still want to compare other company rates to help ensure you have the lowest rates. Consumers may save even more by splitting coverages up.

When to contact an insurance agency

Certain consumers still prefer to sit down with an agent and doing that can be a smart decision Experienced insurance agents are highly skilled in risk management and help you file claims. The best thing about getting online price quotes is that you can find better rates and also buy local. And supporting local insurance agents is definitely important in Durham.

For easy comparison, once you complete this form (opens in new window), your coverage information is instantly submitted to local insurance agents in Durham who want to provide quotes and help you find cheaper coverage. You won’t even need to leave your house since price quotes are sent to you. If you need to quote rates from a specific insurance provider, you can always search and find their rate quote page and fill out the quote form the provide.

Two different types of auto insurance agents

When searching for a local insurance agency, it helps to know the two types of insurance agents and how they differ in how they can insure your vehicles. Durham agents can either be exclusive or independent (non-exclusive). Both insure your vehicles, but it’s important to point out the subtle differences because it can influence your agent selection.

Independent Insurance Agencies

These type of agents are not employed by one company and that gives them the ability to insure amongst many companies and possibly get better coverage at lower prices. If prices rise, your agent can just switch to a different company and you don’t have to switch agencies.

If you need cheaper insurance rates, you should always include rate quotes from several independent agencies in order to compare the most rates. They also have the ability to place coverage with less well-known companies which can be an advantage.

Below are Durham independent agents who may be able to give you price quotes.

• The Sorgi Insurance Agency
  16 Consultant Pl Suite 102 – Durham, NC 27707 – (919) 682-4814 – View Map
• Knox Insurance Agency
  200 Meredith Dr Suite 104 – Durham, NC 27713 – (919) 313-6411 – View Map
• Joshua E. Matthews Insurance Agency, Inc.
  2144 Page Rd Suite 106 – Durham, NC 27703 – (919) 598-6800 – View Map

More Durham agents

Exclusive Insurance Agencies

Agents of this type can only place business with one company like Allstate, Farmers Insurance or State Farm. Exclusive agents cannot compare other company’s rates so always compare other rates. These agents are very knowledgeable on what they offer which helps offset the inability to provide other markets. Some consumers prefer to use the same exclusive agent mostly because of the prominence of the brand and the convenience of having all coverages with one company.

Listed below is a list of exclusive insurance agencies in Durham who can help you get rate quotes.

• Antonio Vela – State Farm Insurance Agent
  121 Sherron Rd #106 – Durham, NC 27703 – (919) 596-2700 – View Map
• Marty Lindsey – State Farm Insurance Agent
  1852 Hillandale Rd – Durham, NC 27705 – (919) 479-9671 – View Map
• Allstate Insurance Agent: Michelle Riley
  6015 Fayetteville Rd Ste 115 – Durham, NC 27713 – (919) 544-2155 – View Map

More Durham agents

Picking the best auto insurance agent requires more thought than just the quoted price. Here are some questions you might want to ask.

• Is the quote a firm price?
• Is the coverage adequate for your vehicle?
• In the event of vehicle damage, can you pick the collision repair facility?
• Are there any extra charges for paying monthly?
• Is there a local claims center in Durham?
• Do they have adequate Errors and Omissions coverage? This protects you if they make a mistake.
• Does the agent help file claims?
• Are all drivers listed on the coverage quote?

Best car insurance company in Durham

Finding the right insurer can be difficult considering how many choices you have in North Carolina. The rank data shown below could help you decide which companies you want to consider shopping your coverage with.

Top 10 Durham Car Insurance Companies Ranked by Claims Service

1. Travelers
2. Nationwide
3. Allstate
4. State Farm
5. Liberty Mutual
6. GEICO
7. American Family
8. Esurance
9. Titan Insurance
10. AAA Insurance

Top 10 Durham Car Insurance Companies Overall

1. Travelers
2. USAA
3. AAA Insurance
4. Nationwide
5. Allstate
6. State Farm
7. The Hartford
8. Safeco Insurance
9. Progressive
10. American Family

Shop around and save

We’ve covered quite a bit of information on how to shop for Saturn VUE insurance online. The most important thing to understand is the more companies you get premium rates for, the higher the chance of saving money. Consumers could even find that the most savings is with the least-expected company.

Drivers change insurance companies for many reasons like not issuing a premium refund, policy cancellation, denial of a claim or lack of trust in their agent. Regardless of your reason for switching companies, switching auto insurance companies can be easier than you think.

When buying insurance coverage, never sacrifice coverage to reduce premiums. Too many times, drivers have reduced comprehensive coverage or liability limits only to discover later they didn’t have enough coverage. The goal is to buy the best coverage you can find at an affordable rate while still protecting your assets.

How to quote cheaper Saturn VUE insurance in Durham

It takes a few minutes, but the best way to get discount Saturn VUE insurance in Durham is to do an annual price comparison from different companies that sell auto insurance in North Carolina.

Step 1: Try to learn about how insurance works and the modifications you can make to drop your rates. Many rating factors that result in higher prices like speeding tickets, accidents and an unacceptable credit rating can be amended by paying attention to minor details.

Step 2: Compare price quotes from independent agents, exclusive agents, and direct companies. Exclusive and direct companies can provide rates from a single company like GEICO and Allstate, while independent agents can provide prices for many different companies. Compare rates now

Step 3: Compare the new rate quotes to your current policy and see if there is a cheaper rate. If you can save money, ensure coverage does not lapse between policies.

One tip to remember is that you’ll want to compare identical coverage information on every quote request and and to analyze as many companies as feasibly possible. This enables a level playing field and the best rate selection.

To learn more, link through to these articles:

• Driving in Bad Weather (Insurance Information Institute)
• Who Has the Cheapest Car Insurance Rates for Teenage Males in Durham? (FAQ)
• How to Avoid Staged Accidents (State Farm)
• Air Bags: Potential Dangers to Your Children (Insurance Information Institute)
• Distracted Driving Extends Beyond Texting (State Farm)