Compare Saturn VUE Insurance Rates in Kansas City

It’s amazing but the vast majority of insurance customers have purchased from the same company for more than four years, and approximately 38% of consumers have never compared insurance rates at all. Kansas City consumers could save about $300 every year, but they just assume it’s a time-consuming process to compare other rate quotes.

If you want to save the most money, the best way to find affordable auto insurance rates is to compare prices annually from providers who can sell car insurance in Kansas City. You can compare rates by following these guidelines.

Step 1: Spend some time learning about car insurance and the steps you can take to prevent expensive coverage. Many rating criteria that drive up the price such as careless driving and a negative credit score can be controlled by paying attention to minor details.

Step 2: Request rate estimates from exclusive agents, independent agents, and direct providers. Direct companies and exclusive agencies can only give prices from one company like GEICO and Allstate, while independent agents can provide price quotes from multiple insurance companies.

Step 3: Compare the new quotes to your existing coverage to see if you can save by switching companies. If you find better rates, make sure there is no coverage gap between policies.

One key aspect of rate comparisons is that you use identical deductibles and limits on each price quote and to quote with as many different companies as possible. Doing this helps ensure an accurate price comparison and the best price selection.

Cheapest companies for Saturn VUE insurance in Missouri

The companies in the list below are ready to provide comparison quotes in Missouri. If multiple companies are listed, it’s a good idea that you get rates from several of them to get the best price comparison.

Analysis of coverages

The premium information displayed below outlines different coverage costs for Saturn VUE models. Learning as much as possible about how car insurance premiums are determined can help drivers make decisions on which insurance to purchase.

Data variables include single female driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Missouri minimum liability limits. Discounts applied include safe-driver, claim-free, homeowner, multi-policy, and multi-vehicle. Estimates do not factor in garaging location in Kansas City which can increase or decrease premiums noticeably.

An analysis of deductible level

A question often asked by Kansas City drivers is how low should you set your deductibles. The rates shown below approximate how much more rates are of buying low and high deductibles. The first rate table uses a $100 deductible and the second set of rates uses a $500 deductible.

Premium data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Missouri minimum liability limits. Discounts applied include multi-vehicle, claim-free, homeowner, multi-policy, and safe-driver. Rates do not factor in specific garaging location which can influence premium rates noticeably.

Based on the data above, we can derive that using a $100 deductible costs roughly $19 more each month or $228 every year across all Saturn VUE models than choosing the higher $500 deductible. Because you would be required to pay $400 more to settle a claim with a $500 deductible as compared to a $100 deductible, if you tend to go more than 21 months between claim filings, you would most likely save money if you elect the higher deductible. Here’s an example of how you can do this calculation yourself.

Yearly auto insurance costs for men versus women

The diagram below shows the difference between Saturn VUE auto insurance costs for male and female drivers. The prices are based on no violations or accidents, full physical damage coverage, $250 deductibles, single marital status, and no discounts are applied.

Liability only or full coverage

The illustration below shows the difference between Saturn VUE yearly insurance costs with liability coverage only compared to full coverage. The premium estimates are based on no accidents, no driving violations, $100 deductibles, drivers are single, and no discounts are factored in.

Are you wasting money on full coverage?

There is no exact rule to stop buying full coverage, but there is a broad guideline. If the yearly cost of comp and collision coverage is 10% or more of the vehicle’s replacement cost less your deductible, then it’s probably a good time to buy liability coverage only.

For example, let’s pretend your Saturn VUE book value is $5,000 and you have $1,000 policy deductibles. If your vehicle is destroyed, the most you would receive is $4,000 after you pay the deductible. If premiums are more than $400 annually for your policy with full coverage, then you may want to consider only buying liability coverage.

There are some cases where dropping physical damage coverage is not a good plan. If you still owe a portion of the original loan, you have to maintain full coverage in order to prevent your loan from defaulting. Also, if your emergency fund is not enough to purchase a different vehicle if your current one is totaled, you should not opt for liability only.

Take advantage of these discounts

Companies that sell car insurance do not list the complete list of policy discounts very clearly, so we researched some of the more common as well as the least known credits available to you.

• Distant College Student Discount – Kids who attend college more than 100 miles from Kansas City without a vehicle on campus can receive lower rates.
• Student Discount for Driver Training – Make teen driver coverage more affordable by requiring them to complete a driver education course as it can save substantially.
• Seat Belt Discounts – Drivers who require all vehicle occupants to fasten their seat belts may be able to save a few bucks off the medical payments premium.
• Discount for Life Insurance – Insurance carriers who offer life insurance give better premium rates if you take out a life insurance policy as well.
• Pay Now and Pay Less – By paying your policy upfront rather than paying in monthly installments you can avoid monthly service charges.
• Multi-Vehicle Discounts – Buying insurance for multiple vehicles with the same company could earn a price break for each car.
• Active Military Service – Having a deployed family member could qualify you for better auto insurance rates.
• Air Bag Discount – Vehicles with factory air bags may qualify for discounts of 25 to 30%.

It’s important to note that most credits do not apply to your bottom line cost. Some only reduce individual premiums such as physical damage coverage or medical payments. Even though the math looks like all the discounts add up to a free policy, you aren’t that lucky. Any amount of discount will definitely lower the amount you have to pay.

The diagram below visualizes the comparison of Saturn VUE insurance premiums with and without discounts applied to the premium. The prices are based on a male driver, no violations or claims, Missouri state minimum liability limits, comprehensive and collision coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, safe-driver, multi-car, claim-free, homeowner, and marriage discounts applied.

Companies and a summarized list of policyholder discounts can be read below.

• Progressive offers discounts including homeowner, continuous coverage, online signing, multi-policy, and good student.
• The Hartford includes discounts for air bag, bundle, defensive driver, anti-theft, good student, and driver training.
• Mercury Insurance discounts include multi-policy, age of vehicle, low natural disaster claims, ease of repair, location of vehicle, good driver, and accident-free.
• GEICO has discounts for federal employee, anti-lock brakes, driver training, air bags, emergency military deployment, multi-policy, and defensive driver.
• AAA has savings for pay-in-full, multi-policy, education and occupation, multi-car, anti-theft, and AAA membership discount.
• State Farm may offer discounts for defensive driving training, student away at school, safe vehicle, passive restraint, and driver’s education.

Before buying, ask all the companies which discounts can lower your rates. Depending on the company, some discounts might not be offered in your area. To choose auto insurance companies with the best Saturn VUE insurance discounts in Kansas City, click here to view.

How to know if you need help

Always keep in mind that when comparing a policy, there really is not a perfect coverage plan. Every situation is different.

Here are some questions about coverages that can help discover whether your personal situation may require specific advice.

• Should I put collision coverage on all my vehicles?
• Is my trailer covered?
• Am I covered if I back into my garage door?
• Do I need rental car coverage?
• How high should my medical payments coverage be?
• Do I have coverage when making deliveries for my home business?
• Do I really need UM/UIM coverage?

If you’re not sure about those questions but one or more may apply to you, then you may want to think about talking to a licensed agent. If you want to speak to an agent in your area, fill out this quick form.

Do I need an agent?

A lot of people just prefer to get advice from a local agent and often times that is recommended A good thing about comparing insurance prices online is you may find cheap insurance quotes and still have an agent to talk to.

For easy comparison, once you complete this form (opens in new window), the quote information is instantly submitted to participating agents in Kansas City who will gladly provide quotes for your coverage. It simplifies rate comparisons since you won’t have to contact any agents as quotes are delivered to the email address you provide. You’ll get the best rates and a licensed agent to talk to. If you want to get a rate quote from a specific insurance provider, you would need to search and find their rate quote page and complete a quote there.

Finding a good company should depend on more than just a cheap price. Agents should be asked these questions:

• Do they offer claims assistance after hours?
• How much training do they have in personal risk management?
• Is the agent and/or agency licensed to do business in Missouri?
• Are they full-time agents?
• Will vehicle repairs be made with aftermarket parts or OEM replacement parts?

Cover all your bases

We covered some good ideas how to save on Saturn VUE insurance in Kansas City. The key concept to understand is the more rate quotes you have, the better chance you’ll have of finding inexpensive Kansas City auto insurance quotes. You may even be surprised to find that the biggest savings come from some of the smallest insurance companies.

As you restructure your insurance plan, never reduce needed coverages to save money. In too many instances, an insured cut comprehensive coverage or liability limits to discover at claim time that saving that couple of dollars actually costed them tens of thousands. The goal is to find the BEST coverage at the best cost.

Consumers switch companies for a variety of reasons including lack of trust in their agent, unfair underwriting practices, policy cancellation or denial of a claim. Whatever your reason, finding a new auto insurance company is not as difficult as it may seem.

To learn more, take a look at the following helpful articles:

• Collision Insurance Coverage (Nationwide)
• What Auto Insurance is Cheapest for a Toyota Tacoma in Kansas City? (FAQ)
• How Much is Kansas City Auto Insurance for a Chevrolet Equinox? (FAQ)
• Who Has Affordable Kansas City Car Insurance for Ride Shares? (FAQ)
• How Much are Auto Insurance Quotes for a Toyota Corolla in Kansas City? (FAQ)
• Distracted Driving (Insurance Information Institute)
• Higher speed limits cause more fatalities (Insurance Institute for Highway Safety)
• How do I File a Claim? (Insurance Information Institute)
• Preventing Carjacking and Theft (Insurance Information Institute)