Paying cheap coverage rates for Saturn VUE insurance in Oklahoma City can seem to be challenging for drivers not familiar with online insurance quotes. With such a large number of agents and companies competing online, it can turn into a challenge to find cheaper Saturn VUE insurance rates.
How to quote cheaper Saturn VUE insurance in Oklahoma City
The best way to get more affordable auto insurance rates is to begin comparing prices regularly from companies who sell auto insurance in Oklahoma City. Rates can be compared by following these guidelines.
Step 1: Spend some time learning about policy coverages and the measures you can take to drop your rates. Many rating factors that are responsible for high rates like traffic violations, accidents, and a low credit rating can be amended by improving your driving habits or financial responsibility. Read the full article for additional ideas to help find cheaper rates and find overlooked discounts.
Step 2: Compare rates from independent agents, exclusive agents, and direct companies. Direct companies and exclusive agencies can give quotes from one company like GEICO or Allstate, while agents who are independent can quote prices for a wide range of companies.
Step 3: Compare the quotes to your existing coverage and determine if there is any savings. If you find a lower rate and switch companies, make sure the effective date of the new policy is the same as the expiration date of the old one.
The key aspect of shopping around is that you use the same physical damage deductibles and liability limits on each quote and and to look at all possible companies. This ensures a fair rate comparison and a complete price analysis.
Remarkably, a study showed that over 70% of drivers kept their coverage with the same insurance company for over three years, and nearly 40% of drivers have never even compared rates from other companies. Oklahoma insurance shoppers could cut their rates by roughly 35% a year, but they just feel it’s too hard to find affordable insurance by shopping around.
It’s a great practice to compare premium rates yearly because insurance prices go up and down regularly. Even if you think you had the best rate on Saturn VUE insurance in Oklahoma City a couple years back you can probably find a better premium rate now. Forget all the misinformation about insurance because you’re about to find out the quickest way to lower your rates without sacrificing coverage.
Verify you’re receiving every discount
Companies offering auto insurance don’t necessarily list the entire discount list very well, so the list below contains both the well known in addition to some of the lesser obvious discounts that you can inquire about if you buy Oklahoma City auto insurance online.
- Multi-car Discount – Buying a policy with multiple vehicles on a single policy could earn a price break for each car.
- Discount for Passive Restraints – Factory options such as air bags or automatic seat belts could see savings as much as 30%.
- Service Members Pay Less – Having a family member in the military could mean lower premium rates.
- Government Employee Discount – Active or former government employment could qualify for a slight premium decrease with certain companies.
- Accident Free – Claim-free drivers can earn big discounts as opposed to insureds who have frequent claims or accidents.
- Seat Belts Save more than Lives – Buckling up and requiring all passengers to use their safety belts could cut 10% or more off the medical payments premium.
- Telematics Data Discounts – Insureds who allow driving data submission to monitor driving patterns by using a small device installed in their vehicle such as State Farm’s In-Drive may get a rate reduction as long as they are good drivers.
- Homeowners Savings – Simply owning a home can earn you a little savings since home ownership shows financial diligence.
- Safe Drivers – Accident-free drivers could pay up to 40% less compared to accident prone drivers.
As is typical with insurance, most credits do not apply to all coverage premiums. Most cut specific coverage prices like comprehensive or collision. Even though the math looks like you would end up receiving a 100% discount, it doesn’t quite work that way. But any discount will positively reduce your auto insurance premiums.
The illustration below visualizes the comparison of Saturn VUE yearly insurance costs with and without discounts applied to the premium. The premiums are based on a female driver, no violations or claims, Oklahoma state minimum liability limits, comprehensive and collision coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, multi-car, multi-policy, safe-driver, claim-free, and marriage discounts applied.
Auto insurance companies that may offer policyholders these benefits include:
If you are trying to find cheaper Oklahoma City auto insurance quotes, ask each company which discounts you qualify for. All car insurance discounts may not apply to policyholders in your area.
Buy Oklahoma City Saturn VUE insurance online
Keep in mind that obtaining a wide range of quotes increases your odds of finding the best price. Not every company does Oklahoma City VUE insurance quotes online, so you need to compare prices from the smaller companies as well.
The providers in the list below offer price comparisons in Oklahoma. If multiple companies are listed, we recommend you click on several of them in order to find the most competitive rates.
Rates and other information
The coverage information shown below showcases detailed analysis of insurance costs for Saturn VUE models. Being more informed about how insurance prices are established can help you make smart choices when comparing insurance rates.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Vue XE 2WD | $266 | $398 | $422 | $24 | $126 | $1,236 | $103 |
| Vue XR 2WD | $266 | $484 | $422 | $24 | $126 | $1,322 | $110 |
| Vue XR-L 2WD | $302 | $484 | $422 | $24 | $126 | $1,358 | $113 |
| Vue XR AWD | $302 | $484 | $422 | $24 | $126 | $1,358 | $113 |
| Vue XR-L AWD | $302 | $572 | $422 | $24 | $126 | $1,446 | $121 |
| Get Your Own Custom Quote Go | |||||||
Cost estimates assume married female driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Oklahoma minimum liability limits. Discounts applied include multi-policy, safe-driver, multi-vehicle, homeowner, and claim-free. Estimates do not factor in Oklahoma City location which can influence premium rates noticeably.
Impact of careless driving on Oklahoma City car insurance rates
The information below shows how traffic citations and accident claims influence Saturn VUE insurance costs for each different age group. The premium estimates are based on a married male driver, full physical damage coverage, $100 deductibles, and no discounts are taken into consideration.
Saturn VUE insurance rates by gender in Oklahoma City
The diagram below illustrates the comparison of Saturn VUE car insurance costs for male and female drivers. The premium estimates are based on no tickets, no at-fault accidents, full physical damage coverage, $1,000 deductibles, drivers are not married, and no additional discounts are factored in.
When do I need an agent’s advice?
When quoting and choosing insurance from an agent or online, there isn’t really a one-size-fits-all type of policy. Coverage needs to be tailored to your specific needs.
For instance, these questions could help you determine if your situation could use an agent’s help.
- Am I covered when using my vehicle for business?
- Should I buy more coverage than the required Oklahoma minimum liability coverage?
- Is pet coverage available?
- Can I cancel at any time?
- Is motorclub coverage worth it?
- What happens if I owe more than my Saturn VUE is worth?
- Am I getting all the discounts available?
- What companies insure drivers after a DUI or DWI?
- How much cheaper are high deductibles?
- Is upholstery damage covered by car insurance?
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, take a second and complete this form.
Local insurance agents
Many people still prefer to buy from a licensed agent and that is a personal choice. One of the best bonuses of comparing rate quotes online is the fact that you can find lower rates and also buy local.
Upon completion of this simple form, your insurance data gets sent to participating agents in Oklahoma City that give free quotes and help you find cheaper coverage. You never need to leave your house since rate quotes are delivered immediately to you. You’ll get the best rates AND an agent nearby. If you want to compare rates from a particular provider, you just need to find their quoting web page and submit a quote form there.
Selecting an provider should depend on more than just a cheap price quote. These are some questions your agent should answer.
- Will the agent or a CSR service your policy?
- Do they have designations such as AIC, CPCU, or CIC?
- Does the agent help file claims?
- Do they specialize in personal lines coverage in Oklahoma City?
- Are they actively involved in the community?
If you would like to find a reliable insurance agent, it’s important to understand the different agency structures that you can select. Agents in Oklahoma City can be classified as either independent agents or exclusive agents depending on their employer.
Exclusive Agencies
Exclusive insurance agents normally can only provide a single company’s rates and examples are State Farm, Allstate, and Farm Bureau. These agents are unable to provide other company’s prices so they really need to provide good service. Exclusive agents are very knowledgeable on sales techniques which helps them sell on service rather than price. Some consumers prefer to buy insurance from these agents mainly due to the brand legacy rather than having the cheapest rates.
Listed below are exclusive insurance agents in Oklahoma City that are able to give price quote information.
- Chuck Davis – State Farm Insurance Agent
9315 S Pennsylvania Ave b – Oklahoma City, OK 73159 – (405) 378-8008 – View Map - Allstate Insurance: Eva Herrera
2519 NW 23rd St #140 – Oklahoma City, OK 73107 – (405) 301-8162 – View Map - Becky Stevens – State Farm Insurance Agent
7105 W Hefner Rd – Oklahoma City, OK 73162 – (405) 722-0004 – View Map
Independent Agencies or Brokers
Independent agents do not write with just one company and that gives them the ability to insure through many different car insurance companies and find you the best rates. To move your coverage to a new company, your policy is moved internally and that require little work on your part.
If you are trying to find cheaper rates, you will want to compare quotes from at least one independent agent to get the best comparison. They often place coverage with smaller companies which can save you money.
The following is a short list of independent agencies in Oklahoma City that are able to give rate quotes.
- Multi Quote Insurance
2101 SW 71st St – Oklahoma City, OK 73159 – (405) 604-5999 – View Map - Thomas Baste Insurance Agency
8503 S Western Ave – Oklahoma City, OK 73139 – (405) 604-5600 – View Map - Oklahoma Insurance Center Inc
538 E Memorial Rd – Oklahoma City, OK 73114 – (405) 608-4422 – View Map
If you receive good answers to any questions you have as well as offering an affordable quote, you may have found an insurance agent that meets your needs to properly service your car insurance policy.
Auto insurance coverage information
Learning about specific coverages of your policy can be of help when determining which coverages you need for your vehicles. The coverage terms in a policy can be confusing and reading a policy is terribly boring.
UM/UIM Coverage – Your UM/UIM coverage provides protection from other drivers when they do not carry enough liability coverage. It can pay for injuries to you and your family and also any damage incurred to your Saturn VUE.
Due to the fact that many Oklahoma drivers only purchase the least amount of liability that is required (25/50/25 in Oklahoma), it only takes a small accident to exceed their coverage. So UM/UIM coverage should not be overlooked.
Liability insurance – This can cover damage or injury you incur to other people or property by causing an accident. This coverage protects you against claims from other people, and does not provide coverage for your own vehicle damage or injuries.
It consists of three limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show liability limits of 25/50/25 that means you have $25,000 bodily injury coverage, a total of $50,000 of bodily injury coverage per accident, and $25,000 of coverage for damaged property.
Liability coverage protects against claims such as funeral expenses, emergency aid, court costs and pain and suffering. The amount of liability coverage you purchase is a personal decision, but buy as high a limit as you can afford. Oklahoma state minimum liability requirements are 25/50/25 but you should consider buying more coverage.
The illustration below shows why buying minimum limits may not be adequate coverage.
Comprehensive or Other Than Collision – This will pay to fix damage OTHER than collision with another vehicle or object. You need to pay your deductible first then your comprehensive coverage will pay.
Comprehensive insurance covers claims such as damage from getting keyed, rock chips in glass and a tree branch falling on your vehicle. The most your insurance company will pay is the cash value of the vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.
Collision coverage – This coverage covers damage to your VUE resulting from colliding with a stationary object or other vehicle. You will need to pay your deductible and then insurance will cover the remainder.
Collision can pay for things such as colliding with another moving vehicle, crashing into a ditch and scraping a guard rail. Paying for collision coverage can be pricey, so consider removing coverage from older vehicles. Another option is to bump up the deductible on your VUE to bring the cost down.
Medical costs insurance – Personal Injury Protection (PIP) and medical payments coverage provide coverage for bills like rehabilitation expenses, doctor visits, ambulance fees, prosthetic devices and EMT expenses. They are used in conjunction with a health insurance policy or if you do not have health coverage. It covers not only the driver but also the vehicle occupants in addition to being hit by a car walking across the street. Personal injury protection coverage is not universally available and may carry a deductible
Compare. Compare. Compare.
We covered some good ideas how you can find affordable Saturn VUE insurance in Oklahoma City. The key thing to remember is the more providers you compare, the better likelihood of getting affordable Oklahoma City auto insurance quotes. Consumers may even find the lowest priced car insurance comes from an unexpected company.
As you restructure your insurance plan, you should never buy less coverage just to save a little money. There have been many situations where an insured dropped full coverage only to regret that their decision to reduce coverage ended up costing them more. The goal is to buy a smart amount of coverage at the best price while still protecting your assets.
The cheapest Saturn VUE insurance in Oklahoma City is possible on the web in addition to many Oklahoma City insurance agents, so you should be comparing quotes from both so you have a total pricing picture. Some insurance providers do not provide the ability to get quotes online and many times these regional carriers provide coverage only through local independent agents.
Steps to saving money on Saturn VUE insurance in Oklahoma City
If you want to save the most money, the best way to find more affordable car insurance rates in Oklahoma City is to compare quotes once a year from insurers in Oklahoma. You can compare prices by following these guidelines.
Step 1: Take a few minutes and learn about how companies price auto insurance and the things you can change to prevent high rates. Many risk factors that increase rates such as traffic citations, accidents, and a not-so-good credit history can be remedied by making minor changes to your lifestyle.
Step 2: Get rate quotes from direct carriers, independent agents, and exclusive agents. Exclusive and direct companies can only give prices from a single company like GEICO or Farmers Insurance, while independent agencies can give you price quotes for a wide range of insurance providers.
Step 3: Compare the new rates to the price on your current policy to determine if switching companies saves money. If you can save some money and make a switch, verify that coverage does not lapse between policies.
The key thing to know about shopping around is to make sure you’re comparing the same deductibles and limits on every price quote and and to compare all possible companies. This ensures a level playing field and a complete price analysis.
Even more information can be read in the articles below:
- Avoiding Deer Collisions (Insurance Information Institute)
- What Insurance is Cheapest for a 20 Year Old Female in Oklahoma City? (FAQ)
- How Much are Car Insurance Rates for Nurses in Oklahoma City? (FAQ)
- Who Has Cheap Oklahoma City Car Insurance Rates for 4×4 Vehicles? (FAQ)
- Who Has Affordable Oklahoma City Auto Insurance for 16 Year Olds? (FAQ)
- Who Has Cheap Auto Insurance Quotes for 19 Year Olds in Oklahoma City? (FAQ)
- How Much Auto Coverage do I Need? (Insurance Information Institute)
- Protecting Teens from Drunk Driving (Insurance Information Institute)
- Parking Tips to Reduce Door Dings (State Farm)