Affordable Saturn VUE Insurance in Jersey City

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Insurance rates Saturn VUE in Jersey CityIt takes a little time, but the best way to find affordable quotes for Saturn VUE insurance in Jersey City is to regularly compare price quotes from providers in New Jersey. You can compare rates by following these steps.

Step 1: Read and learn about how companies set rates and the things you can control to prevent high rates. Many factors that increase rates such as at-fault accidents, careless driving, and a negative credit history can be eliminated by paying attention to minor details.

Step 2: Quote rates from independent agents, exclusive agents, and direct companies. Direct companies and exclusive agencies can only give rate quotes from one company like GEICO and Allstate, while independent agencies can give you price quotes from multiple sources.

Step 3: Compare the price quotes to the premium of your current policy and determine if cheaper VUE coverage is available. If you can save some money and switch companies, ensure coverage does not lapse between policies.

Step 4: Provide adequate notice to your current company of your decision to cancel your current coverage. Submit a down payment along with a completed application to your new agent or company. As soon as coverage is bound, put the proof of insurance certificate in a readily accessible location in your vehicle.

An essential thing to point out is to try to compare the same amount of coverage on each quote request and and to get rates from as many companies as possible. Doing this provides an apples-to-apples comparison and maximum price selection.

Astonishing but true, most drivers renewed their policy with the same company for well over three years, and roughly 40% of drivers have never quoted rates to find cheaper coverage. Jersey City insurance shoppers could save an average of nearly $720 each year just by comparing rates, but most undervalue the rate savings if they bought a different policy.

Locating the most cost-effective insurance policy in Jersey City can initially seem challenging. If you already have coverage or are looking for a new policy, take advantage of these tips to reduce premiums while maintaining coverages. Comparison shoppers just need to learn the most effective way to quote multiple rates using one simple form.

How to find low cost Saturn VUE insurance in Jersey City, New Jersey

Most of the larger companies such as State Farm, GEICO and Progressive make it easy to get coverage price quotes directly from their websites. Getting quotes for Saturn VUE insurance in Jersey City is easy for anyone as all you need to do is type in your required coverages into the form. Behind the scenes, the system requests information on your driving record and credit history and returns a price quote based on many factors. The ability to get online price quotes for Saturn VUE insurance in Jersey City simplifies rate comparisons, and it's necessary to compare as many rates as possible if you want to get cheaper prices.

To quickly fill out one form to compare multiple rates now, consider comparing rates from the companies shown below. If you have your current policy handy, we recommend you copy the coverages identical to your current policy. This makes sure you will receive a price comparison for exact coverage.

The providers in the list below offer price quotes in New Jersey. If you want cheap car insurance in Jersey City, NJ, we suggest you click on several of them to get a more complete price comparison.

Car insurance is not optional but you don't have to overpay

Despite the high cost of buying insurance for a Saturn VUE in Jersey City, insuring your vehicle is required in New Jersey but also provides important benefits.

  • Almost all states have minimum mandated liability insurance limits which means you are required to carry a specific level of liability coverage in order to be legal. In New Jersey these limits are 15/30/5 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.
  • If your Saturn has a lienholder, it's guaranteed your bank will force you to have full coverage to guarantee their interest in the vehicle. If you cancel or allow the policy to lapse, the bank may buy a policy for your Saturn for a much higher rate and force you to reimburse them the higher premium.
  • Insurance safeguards your vehicle and your assets. Insurance will pay for many types of medical costs for both you and anyone you injure as the result of an accident. As part of your policy, liability insurance will also pay attorney fees in the event you are sued. If mother nature or an accident damages your car, collision and comprehensive (also known as other-than-collision) coverage will cover the repair costs.

The benefits of carrying enough insurance are without a doubt worth the cost, particularly for liability claims. As of last year, the average driver in New Jersey is overpaying over $700 annually so compare quotes from several companies once a year at a minimum to ensure rates are inline.

Coverage information

The data table displayed below showcases detailed analysis of prices for Saturn VUE models. Understanding how insurance rates are determined can aid in making smart choices when selecting a policy.

Saturn VUE Insurance Rates in Jersey City, NJ
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Vue XE 2WD $338 $474 $496 $30 $148 $1,486 $124
Vue XR 2WD $338 $576 $496 $30 $148 $1,588 $132
Vue XR-L 2WD $382 $576 $496 $30 $148 $1,632 $136
Vue XR AWD $382 $576 $496 $30 $148 $1,632 $136
Vue XR-L AWD $382 $678 $496 $30 $148 $1,734 $145
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Table data assumes married male driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and New Jersey minimum liability limits. Discounts applied include claim-free, safe-driver, homeowner, multi-policy, and multi-vehicle. Table data does not factor in vehicle garaging location which can influence insurance rates significantly.

Deductible analysis

One of the more difficult decisions when buying car insurance is how high should the physical damage deductibles be. The premium rates below highlight the differences in premium rates between high and low physical damage coverage deductibles. The first rate table uses a $250 physical damage coverage deductible and the second set of rates uses a $1,000 deductible.

Saturn VUE insurance rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Vue XE 2WD $372 $514 $480 $28 $144 $1,563 $130
Vue XR 2WD $372 $626 $480 $28 $144 $1,675 $140
Vue XR-L 2WD $420 $626 $480 $28 $144 $1,723 $144
Vue XR AWD $420 $626 $480 $28 $144 $1,723 $144
Vue XR-L AWD $420 $738 $480 $28 $144 $1,835 $153
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Saturn VUE insurance rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Vue XE 2WD $230 $324 $480 $28 $144 $1,206 $101
Vue XR 2WD $230 $394 $480 $28 $144 $1,276 $106
Vue XR-L 2WD $258 $394 $480 $28 $144 $1,304 $109
Vue XR AWD $258 $394 $480 $28 $144 $1,304 $109
Vue XR-L AWD $258 $464 $480 $28 $144 $1,374 $115
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Cost estimates assume married male driver age 30, no speeding tickets, no at-fault accidents, and New Jersey minimum liability limits. Discounts applied include claim-free, multi-policy, safe-driver, homeowner, and multi-vehicle. Estimates do not factor in specific location information which can change coverage rates substantially.

We can derive from the above data that using a $250 deductible costs roughly $34 more each month or $408 a year averaged for all VUE models than choosing the higher $1,000 deductible. Because you would be required to pay $750 more to settle a claim with a $1,000 deductible as compared to a $250 deductible, if you usually have more than 22 months between claims, you would save money if you decide on a higher deductible. Below is how this calculation is made.

Average monthly premium for $250 deductibles: $142
Average monthly premium for $1,000 deductibles (subtract): - $108
Monthly savings from raising deductible: $34
Difference between deductibles ($1,000 - $250): $750
Divide difference by monthly savings: $750 / $34
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 22 months

One thing to note is that raising deductibles to save money means you will have to pay more out-of-pocket at claim time. You need enough disposable income in the event you have to pay the higher deductible.

Do you need full coverage?

The information below compares Saturn VUE auto insurance costs with and without physical damage coverage. The prices are based on a clean driving record, no claims, $500 deductibles, single marital status, and no discounts are applied to the premium.

Should you pay for full coverage or liability only?

There isn't a written rule to drop comp and collision coverage, but there is a general convention. If the yearly cost of comp and collision coverage is 10% or more of replacement cost minus your deductible, then you might want to consider buying only liability coverage.

For example, let's pretend your Saturn VUE replacement cost is $5,000 and you have $1,000 full coverage deductibles. If your vehicle is damaged in an accident, you would only receive $4,000 after the deductible is paid. If it's costing in excess of $400 annually for comprehensive and collision coverage, then you might consider buying liability only.

There are some cases where eliminating full coverage is not recommended. If you still have a lienholder on your title, you have to keep full coverage to satisfy the loan requirements. Also, if your finances do not allow you to purchase a different vehicle if your current one is totaled, you should keep full coverage on your policy.

Get cheaper Saturn VUE insurance rates in Jersey City

Some insurers do not advertise their entire list of discounts very well, so we break down a few of the more common as well as the least known discounts that you can inquire about if you buy Jersey City car insurance online. If they aren't giving you every credit you qualify for, you are throwing money away.Cheaper car insurance with discounts

  • Waiver for an Accident - Not necessarily a discount, but some companies like State Farm and GEICO permit an accident without the usual rate increase if you have no claims for a specific time period.
  • Seat Belts Save more than Lives - Forcing all vehicle occupants to buckle up before driving can save up to 10 percent (depending on the company) on the medical payments or PIP coverage costs.
  • Jersey City Homeowners Pay Less - Owning a home in Jersey City can get you a discount because it requires a higher level of personal finance.
  • Theft Prevention Discount - Vehicles that have factory alarm systems and tracking devices can help prevent theft and that can save you a little bit as well.
  • Discounts for Good Drivers - Safe drivers can save up to 40% or more on their Jersey City car insurance quote than drivers with accidents.

You should keep in mind that most credits do not apply to the entire policy premium. Most only reduce the price of certain insurance coverages like physical damage coverage or medical payments. Despite the appearance that you can get free auto insurance, it doesn't quite work that way.

The diagram below shows the difference between Saturn VUE insurance prices with and without discounts applied. The price estimates are based on a female driver, no tickets, no at-fault accidents, New Jersey 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-car, claim-free, homeowner, safe-driver, multi-policy, and marriage discounts applied.

To view providers who offer discounts in New Jersey, click this link.