Best Insurance for a Saturn VUE in Cincinnati

It’s safe to conclude that auto insurance companies don’t want you to look at other companies. Drivers who get comparison quotes at least once a year will most likely move their business because of the high probability of finding a lower rate. A recent survey discovered that people who compared prices regularly saved as much as $72 a month as compared to drivers who never shopped around for better prices.

If finding budget-friendly rates on Saturn VUE insurance is your ultimate goal, knowing how to find companies and compare insurance rates can make it easier to find better rates.

If you want to find the absolute lowest rates, then the best way to find lower priced Saturn VUE insurance is to compare quotes once a year from different companies who sell insurance in Cincinnati. You can compare rates by completing these steps.

• Step 1: Spend a few minutes and learn about auto insurance and the changes you can make to prevent rate increases. Many policy risk factors that cause high rates like at-fault accidents, speeding tickets, and a less-than-favorable credit history can be improved by making small lifestyle or driving habit changes.
• Step 2: Request rate estimates from direct, independent, and exclusive agents. Exclusive agents and direct companies can give quotes from a single company like GEICO and Allstate, while agents who are independent can provide rate quotes from many different companies. Click to view companies
• Step 3: Compare the price quotes to the premium of your current policy and determine if there is any savings. If you find a lower rate quote and switch companies, make sure the effective date of the new policy is the same as the expiration date of the old one.
• Step 4: Provide proper notification to your current company of your intention to cancel your current auto insurance policy and submit a signed application and payment for your new coverage. As soon as you have the new policy, put the new certificate of insurance in an easily accessible location in your vehicle.

The critical component of shopping around is to try to use similar limits and deductibles on every quote and and to get quotes from as many companies as possible. Doing this guarantees the most accurate price comparison and the best rate selection.

If you currently have a car insurance policy, you will surely be able to get lower rates using the concepts you’re about to learn. Quoting affordable car insurance coverage in Cincinnati can be fairly easy. But Ohio consumers do need to know how companies determine premium rates and apply this information to your search.

Companies offering Saturn VUE insurance in Cincinnati

The providers in the list below are our best choices to provide price quotes in Ohio. If you want cheap auto insurance in OH, we recommend you visit several of them to get a more complete price comparison.

Saturn VUE insurance coverage information

The price information shown below covers detailed analysis of policy rates for Saturn VUE models. Learning as much as possible about how rates are formulated can be valuable when making smart choices when selecting a policy.

Data assumes single female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Ohio minimum liability limits. Discounts applied include homeowner, safe-driver, multi-policy, multi-vehicle, and claim-free. Rates do not factor in Cincinnati location which can lower or raise auto insurance rates considerably.

Physical damage deductible comparison

The hardest decision when buying coverage is what deductibles to buy. The premium rates below sum up the rate differences when you choose different insurance deductibles. The first pricing table uses a $100 deductible and the second set of prices uses a $1,000 deductible.

Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, and Ohio minimum liability limits. Discounts applied include multi-vehicle, homeowner, claim-free, multi-policy, and safe-driver. Premium amounts do not factor in specific zip code location which can alter price quotes noticeably.

Based on these figures, using a $100 deductible will cost in the ballpark of $23 more each month or $276 annually across all Saturn VUE models than buying the higher $1,000 deductible. Due to the fact that you would have to pay $900 more if you turn in a claim with a $1,000 deductible as compared to a $100 deductible, if you tend to go more than 39 months between claim filings, you would probably be better off going with the higher deductible.

One important issue to know is that higher deductibles means you pay more out-of-pocket if you have a claim. That will require some funds available in order to pay the deductible for vehicle repair.

Insurance rate increases from tickets or accidents

The illustration below shows how speeding tickets and at-fault fender-benders can increase Saturn VUE insurance rates for each age group. The rates are based on a single female driver, comp and collision included, $500 deductibles, and no other discounts are factored in.

Car insurance rates by gender and age in Cincinnati

The information below visualizes the comparison of Saturn VUE insurance prices for male and female drivers. The price estimates are based on no claims or violations, comp and collision included, $500 deductibles, marital status is single, and no additional discounts are factored in.

Why Your Insurance Prices might be higher

When buying auto insurance it’s important to understand the rating factors that play a part in calculating your policy premiums. If you have a feel for what determines base rates, this allows you to make good choices that may reward you with lower premium levels. Many things are used in the calculation when premium rates are determined. Some factors are common sense like your driving record, but other factors are more obscure like your vehicle usage or how safe your car is.

Listed below are a few of the things used by your company to calculate prices.

Liability coverage is critical – A critical coverage on your policy, liability insurance will afford coverage if ever you are found liable for damages from an accident. It will provide legal defense starting from day one. It is affordable coverage when compared with rates for comp and collision, so insureds should have plenty of protection for their assets.

Rates impacted by vehicle usage – The more you drive your Saturn each year the more it will cost to insure it. Almost all companies calculate rates based upon how much you drive. Vehicles used primarily for pleasure use receive better premium rates as compared to vehicles used primarily for driving to work. Double check that your auto insurance policy states the proper vehicle usage, because it can save money. An incorrectly rated VUE can cost quite a bit.

How your age affects prices – Drivers with little experience have been known to be easily distracted when behind the wheel so they pay higher auto insurance rates. Older drivers have been proven to be more responsible, statistically cause fewer accidents, and get fewer tickets.

The next chart uses these variables: single driver, full coverage with $250 deductibles, and no discounts or violations.

Keep premiums low by being claim-free – If you tend to file frequent claims, you shouldn’t be surprised to get increased rates or even have your policy non-renewed. Auto insurance companies in Ohio give the lowest premiums to policyholders who only file infrequent claims. Auto insurance is intended for major claims that would cause financial hardship.

Your job is a factor – Jobs such as doctors, executives, and medical professionals generally pay higher premium rates because of high stress and lots of time spent away from family. Conversely, occupations such as professors, historians and the unemployed generally pay rates lower than average.

The higher your credit score the lower your premiums – Having a good credit score factor in determining premium rates. If your credit rating leaves room for improvement, you could be paying less to insure your Saturn VUE by improving your credit score. Drivers who have high credit ratings tend to be better drivers and file fewer claims as compared to drivers with bad credit.

Don’t buy add-on coverages you don’t use – Policies have add-on coverages that may not really be needed on your VUE policy. Add-on coverages like roadside assistance, accidental death, and extra life insurance coverage could be just wasting money. These may sound like a good investment initially, but your money might be better spent on other coverage so remove them and pocket the money.

Score discounts to get cheaper Cincinnati car insurance quotes

Companies offering auto insurance do not advertise all their discounts in an easy-to-find place, so here is a list both well-publicized and the more hidden savings tricks you should be using when you buy Cincinnati car insurance online.

• Discounts for Government Workers – Having worked for a branch of the government could provide a small rate reduction with certain companies.
• Policy Bundle Discount – If you have multiple policies with the same company you may save up to 20% off your total VUE insurance premium.
• Membership in Organizations – Joining qualifying clubs or civic groups could earn you a nice discount on your policy.
• Senior Discount – Seniors can get better car insurance rates.
• Seat Belt Usage – Buckling up and requiring all passengers to use a seat belt can save a little on the premium charged for medical payments and/or PIP.
• Anti-lock Brake Discount – Cars that have steering control and anti-lock brakes can reduce accidents and therefore earn up to a 10% discount.
• Anti-theft Discount – Cars, trucks, and SUVs equipped with anti-theft or alarm systems are stolen less frequently and qualify for as much as a 10% discount.

We need to note that most discount credits are not given to all coverage premiums. A few only apply to the price of certain insurance coverages like collision or personal injury protection. Just because it seems like adding up those discounts means a free policy, insurance companies wouldn’t stay in business. Any qualifying discounts should help reduce the amount you pay for coverage.

The diagram below shows the comparison of Saturn VUE car insurance costs with and without discounts being applied to the rates. The rate quotes are based on a male driver, no accidents, no driving violations, Ohio state minimum liability limits, full physical damage coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, safe-driver, marriage, claim-free, multi-policy, and multi-car discounts applied.

A few companies who might offer these discounts may include but are not limited to:

• Esurance
• The Hartford
• AAA
• GEICO
• State Farm

Before buying, ask each company which discounts they offer. Savings may not apply in your area. If you would like to choose from a list of insurers that offer multiple discounts in Cincinnati, click here to view.

Exclusive versus independent insurance agents

Some people still prefer to have an agent’s advice and we recommend doing that One of the benefits of comparing insurance prices online is you can get lower rates and also buy local. And providing support for neighborhood insurance agencies is still important in Cincinnati.

To make it easy to find an agent, after completing this short form, your information is instantly submitted to participating agents in Cincinnati who want to provide quotes for your car insurance coverage. You won’t need to search for an agent because prices are sent directly to your email. It’s the lowest rates AND a local agent. If you wish to compare rates from a specific company, don’t hesitate to go to their quote page and fill out their quote form.

The following are agents in Cincinnati who can help you get rate quotes for Saturn VUE insurance in Cincinnati.

• Ken Kunkel – State Farm Insurance Agent
  6708 Cheviot Rd – Cincinnati, OH 45247 – (513) 385-6667 – View Map
• Harold Jones – State Farm Insurance Agent
  9816 Springfield Pike – Cincinnati, OH 45215 – (513) 771-6226 – View Map
• Burkhart Insurance Agency
  4291 Foley Rd – Cincinnati, OH 45238 – (513) 244-2500 – View Map
• Brodbeck Porter Ins Agency
  1080 Nimitzview Dr #301 – Cincinnati, OH 45230 – (513) 624-0900 – View Map

View more agents

Finding a good provider should depend on more than just a low price. Before buying a policy in Cincinnati, get answers to these questions.

• Does the agency have a current Errors and Omissions policy?
• How are they compensated?
• Do the agents have professional certifications like CPCU or CIC?
• If you are a high risk driver, do they have special markets for your coverage?
• Do they have any clout with companies to ensure a fair claim settlement?

You are unique and your insurance should be too

When selecting a policy, there really is not a cookie cutter policy. Every insured’s situation is different and a cookie cutter policy won’t apply.
For example, these questions may help highlight if your insurance needs could use an agent’s help.

• Is my son or daughter covered when driving my car?
• Is my camper covered by my car insurance policy?
• When should I remove comp and collision on my Saturn VUE?
• Is my trailer covered?
• If my pet gets injured in an accident are they covered?
• Do I have coverage when using my vehicle for my home business?
• What can I do if my company denied a claim?
• Is my Saturn VUE covered for smoke damage?

If you don’t know the answers to these questions but a few of them apply then you might want to talk to an agent. To find lower rates from a local agent, simply complete this short form or click here for a list of insurance companies in your area.

One last thing to lower rates

As you quote Cincinnati car insurance, it’s not a good idea to reduce coverage to reduce premium. In too many instances, someone dropped collision coverage only to regret that saving that couple of dollars actually costed them tens of thousands. The proper strategy is to find the BEST coverage at the best possible price and still be able to protect your assets.

Cheaper auto insurance in Cincinnati can be purchased both online in addition to many Cincinnati insurance agents, so you need to quote Cincinnati car insurance with both to get a complete price analysis. Some companies may not provide online price quotes and most of the time these smaller providers provide coverage only through local independent agencies.

Additional detailed information can be found at these sites:

• Keeping Children Safe in Crashes Video (iihs.org)
• What is the Best Cheap Car Insurance in Cincinnati, Ohio? (FAQ)
• What Insurance is Cheapest for a Jeep Wrangler in Cincinnati? (FAQ)
• Who Has the Cheapest Cincinnati Auto Insurance Rates with Multiple Speeding Tickets? (FAQ)
• Older Driver Statistics (Insurance Information Institute)
• Air Bags: Potential Dangers to Your Children (Insurance Information Institute)
• Distracted Driving Statistics (Insurance Information Institute)
• Comprehensive Coverage (Liberty Mutual)