Cheap Rates for Saturn VUE Insurance in Memphis

If saving money is your primary concern, then the best way to find better pricing on car insurance rates in Memphis is to compare quotes annually from different companies in Tennessee.

  1. Try to understand auto insurance and the changes you can make to prevent expensive coverage. Many risk factors that result in higher prices such as accidents, traffic tickets, and bad credit can be controlled by improving your driving habits or financial responsibility. Continue reading for information to get cheaper rates and find overlooked discounts.
  2. Request rate estimates from independent agents, exclusive agents, and direct companies. Direct companies and exclusive agencies can only give prices from one company like GEICO and Allstate, while independent agents can provide price quotes from many different companies. View rates
  3. Compare the quotes to your current policy premium and see if there is a cheaper rate in Memphis. If you can save money and switch companies, make sure the effective date of the new policy is the same as the expiration date of the old one.
  4. Provide adequate notice to your current company to cancel your current car insurance policy. Submit payment and a completed application for the new coverage. Make sure you place the new proof of insurance paperwork in an accessible location in your vehicle.

A good tip to remember is that you’ll want to make sure you compare the same deductibles and limits on every quote request and and to get quotes from as many companies as you can. Doing this ensures an apples-to-apples comparison and a good representation of prices.

Insurance for Saturn VUEIt’s an obvious assumption that auto insurance companies don’t want you comparing rates. Drivers who compare price quotes are very likely to switch to a new company because they have a good chance of finding a policy with more affordable rates. A recent car insurance study discovered that drivers who shopped around every year saved approximately $70 a month as compared to drivers who never compared prices.

If finding the best rates on Saturn VUE insurance in Memphis is the reason you’re reading this, understanding the best way to quote and compare insurance can make it easier for you to save money.

Our objective in writing this article is to help educate you on how auto insurance companies operate and also pocket some savings If you currently have a car insurance policy, you stand a good chance to be able to buy cheaper insurance using this information. Consumers just have to use the tricks to compare prices from multiple carriers.

The quickest method to compare car insurance company rates for Saturn VUE insurance in Memphis is to know the trick most of the larger companies have advanced systems to give you rate quotes. To start a quote, the only thing you need to do is provide a small amount of information like whether you have decent credit, whether the vehicles are used for commuting, the make and model of your vehicles, and if the car is leased. That rating data is submitted instantly to insurance companies and you will receive price estimates within a short period of time.

To get price quotes for your Saturn VUE now, click here then complete the form.

The companies in the list below offer price comparisons in Tennessee. If you want to find the cheapest car insurance in TN, we suggest you compare several of them to find the most affordable auto insurance rates.

Score discounts on Memphis insurance

Companies that sell car insurance do not advertise all their discounts in an easy-to-find place, so we took the time to find both the well known and the more hidden insurance savings.Cheaper insurance with discounts

As a disclaimer on discounts, most discounts do not apply to the whole policy. Most only reduce the price of certain insurance coverages like physical damage coverage or medical payments. Just because it seems like you would end up receiving a 100% discount, company stockholders wouldn’t be very happy.

The information below visualizes the comparison of Saturn VUE insurance prices with and without discounts being applied to the rates. The rate quotes are based on a female driver, no accidents or driving violations, Tennessee 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, safe-driver, marriage, multi-policy, multi-car, and claim-free discounts applied.

A few of the larger companies and the discounts they provide are shown below.

Before purchasing a policy, check with all the companies to apply every possible discount. Savings might not apply in Memphis. To locate insurance companies that have a full spectrum of discounts in Tennessee, click here.

Insurance coverage analysis

The table shown next showcases estimates of insurance coverage prices for Saturn VUE models. Having insight into how car insurance premiums are calculated is important to be able to make smart policy decisions.

Saturn VUE Insurance Rates in Memphis, TN
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Vue XE 2WD $154 $240 $390 $24 $116 $924 $77
Vue XR 2WD $154 $290 $390 $24 $116 $974 $81
Vue XR-L 2WD $172 $290 $390 $24 $116 $992 $83
Vue XR AWD $172 $290 $390 $24 $116 $992 $83
Vue XR-L AWD $172 $342 $390 $24 $116 $1,044 $87
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Above prices assume single female driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Tennessee minimum liability limits. Discounts applied include multi-policy, safe-driver, claim-free, multi-vehicle, and homeowner. Rates do not factor in specific Memphis garaging location which can decrease or increase coverage prices substantially.

Deductible comparison

A question often asked by Memphis drivers is which deductible level should you buy. The premium rates below can help show the cost difference between low and high policy deductibles. The first rate estimation uses a $100 deductible for comprehensive and collision coverage and the second rate table uses a $1,000 deductible.

Saturn VUE insurance policy rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Vue XE 2WD $248 $368 $288 $18 $86 $1,033 $86
Vue XR 2WD $248 $448 $288 $18 $86 $1,113 $93
Vue XR-L 2WD $280 $448 $288 $18 $86 $1,145 $95
Vue XR AWD $280 $448 $288 $18 $86 $1,145 $95
Vue XR-L AWD $280 $528 $288 $18 $86 $1,225 $102
Get Your Own Custom Quote Go

Saturn VUE insurance policy rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Vue XE 2WD $138 $194 $288 $18 $86 $724 $60
Vue XR 2WD $138 $236 $288 $18 $86 $766 $64
Vue XR-L 2WD $156 $236 $288 $18 $86 $784 $65
Vue XR AWD $156 $236 $288 $18 $86 $784 $65
Vue XR-L AWD $156 $278 $288 $18 $86 $826 $69
Get Your Own Custom Quote Go

Table data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Tennessee minimum liability limits. Discounts applied include homeowner, multi-policy, multi-vehicle, claim-free, and safe-driver. Premium costs do not factor in specific zip code location which can impact coverage prices substantially.

Using the premium rates above, we can conclude that using a $100 deductible will cost you roughly $29 more each month or $348 a year averaged for all VUE models than selecting the higher $1,000 deductible. Since you would have to pay $900 more out-of-pocket with a $1,000 deductible as compared to a $100 deductible, if you tend to go at least 31 months between claims, you would probably save some money if you opt for a higher deductible.

Accidents and violations increase rates

The diagram below demonstrates how speeding tickets and fender-benders raise Saturn VUE annual premium costs for different categories of driver ages. The data is based on a single female driver, comprehensive and collision coverage, $100 deductibles, and no additional discounts are factored in.

Yearly auto insurance costs for men versus women

The illustration below compares Saturn VUE auto insurance rates for male and female drivers. The premiums assume no tickets, no at-fault accidents, full coverage, $100 deductibles, drivers are not married, and no additional discounts are factored in.

Price comparison of only insuring for liability

The chart below illustrates the comparison of Saturn VUE car insurance costs when comparing full coverage to liability only. The information is based on no violations or accidents, $250 deductibles, single marital status, and no additional discounts are factored in.

Guidelines for dropping full coverage

There isn’t a steadfast formula to exclude comp and collision coverage, but there is a guideline you can consider. If the yearly cost of comp and collision coverage is about 10% or more of the vehicle’s replacement cost less your deductible, the it may be a good time to stop paying for full coverage.

For example, let’s say your Saturn VUE book value is $3,000 and you have $1,000 policy deductibles. If your vehicle is destroyed, the most you would get paid by your company is $2,000 after the policy deductible has been paid. If premiums are more than $200 annually for comprehensive and collision coverage, then you might want to consider buying only liability coverage.

There are a few cases where removing full coverage is not a good plan. If you still have a loan on your vehicle, you have to carry full coverage to protect the lienholder’s interest in the vehicle. Also, if you cannot afford to purchase a different vehicle in case of an accident, you should not drop full coverage.

Find Saturn VUE Insurance More Affordably

Lots of things are part of the equation when you quote your car insurance policy. Some are obvious like a motor vehicle report, although some other factors are not as apparent such as whether you are married or your vehicle rating. Consumers need to have an understanding of the different types of things that come into play when calculating the price you pay for car insurance. If you understand what controls the rates you pay, this helps enable you to make changes that can earn you much lower annual insurance costs.

Local Memphis insurance agents and auto insurance

Certain consumers would rather go talk to an agent and that can be a smart move Good agents can make sure you are properly covered and will help you if you have claims. One of the great benefits of getting online price quotes is that drivers can save money and get the best rates and still buy from a local agent. Putting coverage with local agents is important especially in Memphis.

Insurance agency in MemphisAfter completing this quick form, the coverage information is instantly submitted to insurance agents in Memphis who will gladly provide quotes to get your business. There is no need to leave your house as quotes are delivered directly to your email. If you wish to get a comparison quote from a specific insurance company, you can always visit that company’s website and complete a quote there.

Listed below is a list of car insurance companies in Memphis who can help you get price quote information for Saturn VUE insurance in Memphis.

5384 Poplar Ave Ste 439Memphis, TN 38119(901) 590-1922View Map

6263 Poplar Ave #535Memphis, TN 38119(901) 682-8700View Map

4466 Elvis Presley Blvd #247Memphis, TN 38116(901) 398-7200View Map

579 S Perkins RdMemphis, TN 38117(901) 683-8600View Map

More insurance agents

Choosing an insurer is decision based upon more than just a low price. The answers to these questions are important, too.

Which car insurance company is best in Memphis?

Buying coverage from a high-quality auto insurance company is hard considering how many companies provide coverage in Memphis. The company ratings shown next may help you analyze which insurers you want to consider when shopping your coverage around.

Top Car Insurance Companies in Tennessee
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
Travelers 93 98 99 88% A++ 95.1
USAA 83 99 100 91% A++ 94.1
Mercury Insurance 97 96 88 89% A+ 93.4
AAA Insurance 91 95 92 90% A 93.3
Nationwide 85 95 97 89% A+ 92.4
Allstate 77 100 97 88% A+ 90.7
State Farm 80 94 96 88% A++ 90.6
The Hartford 88 93 91 87% A+ 90.4
Safeco Insurance 91 95 85 88% A 90.2
Progressive 88 94 83 88% A+ 90.1
American Family 91 86 95 83% A 89.7
Esurance 86 90 94 90% A+ 89.5
The General 86 93 89 84% A- 88.2
GEICO 79 89 95 87% A++ 87.8
Titan Insurance 86 82 92 86% A+ 86.5
21st Century 86 82 90 84% A 86.4
Liberty Mutual 79 87 95 78% A 85.3
Erie Insurance 87 84 85 85% A+ 85.3
Farmers Insurance 77 80 80 84% A 80.3
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Data Source: Best Car Insurance Companies

Keep this in mind when shopping around

While you’re price shopping online, you should never sacrifice coverage to reduce premiums. There are a lot of situations where an insured cut liability limits or collision coverage to discover at claim time that they should have had better coverage. Your objective should be to find the BEST coverage at a price you can afford, but do not sacrifice coverage to save money.

We just showed you some good ideas how you can shop for Saturn VUE insurance online. The most important thing to understand is the more quotes you get, the better your comparison will be. You may even discover the lowest auto insurance rates come from a small local company. Regional companies may often insure only within specific states and give better rates than the large multi-state companies such as Progressive and GEICO.

Much more information about car insurance in Tennessee is available at these links: