Perplexed by the sheer number of auto insurance choices in San Antonio? Many other drivers are as well. Texas vehicle owners have such a large number of options that it is a big hassle to find better auto insurance rates for Saturn VUE insurance in San Antonio. Lots of people think San Antonio is the perfect city to reside in, but inflated auto insurance rates can make it impossible to affordably buy enough coverage.
Everyone knows that car insurance companies want to keep you from comparing prices. Insureds who shop around for the cheapest price will, in all likelihood, switch to a new company because there is a high probability of finding a more affordable policy. A recent study showed that consumers who routinely shopped for cheaper coverage saved an average of $860 a year compared to those who never compared other company’s rates.
If finding low prices for Saturn VUE insurance is your objective, knowing how to compare auto insurance can help you succeed in saving money.
The quickest method we recommend to compare insurance rates from multiple companies is to know the fact car insurance companies will pay a fee to give rate comparisons. The one thing you need to do is give the companies some data including what your job is, if the car is leased, if it has an anti-theft system, and if a SR-22 is required. Your rating data is submitted instantly to multiple different insurance companies and they respond with quotes within a short period of time.
To start a rate quote now, click here and complete the form.
The companies shown below can provide comparison quotes in San Antonio, TX. If multiple providers are shown, we recommend you visit as many as you can in order to get a fair rate comparison.
Three reasons to insure your Saturn VUE
Despite the potentially high cost of Saturn VUE insurance, auto insurance is mandatory in Texas but it also protects more than you think.
- Almost all states have compulsory liability insurance requirements which means state laws require a specific level of liability if you want to drive legally. In Texas these limits are 30/60/25 which means you must have $30,000 of bodily injury coverage per person, $60,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
- If you took out a loan on your Saturn VUE, it’s guaranteed your bank will force you to have full coverage to guarantee their interest in the vehicle. If you let the policy lapse, the bank may buy a policy for your Saturn at a more expensive rate and force you to pay for the much more expensive policy.
- Auto insurance preserves both your vehicle and your assets. It will also pay for hospital and medical expenses for you, your passengers, and anyone else injured in an accident. Liability insurance, one of your policy coverages, also covers all legal expenses up to the policy limit if you are sued as the result of an accident. If your car is damaged in a storm or accident, comprehensive and collision coverage will pay to have it repaired.
The benefits of having insurance are without a doubt worth the cost, particularly when you have a large claim. As of last year, the average driver in Texas is overpaying more than $825 a year so it’s important to compare rates every year to be sure current rates are still competitive.
Insurance analysis for a Saturn VUE
The rate table displayed below covers different insurance costs for Saturn VUE models. Being aware of how policy rates are established is important to be able to make informed decisions.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Vue XE 2WD | $282 | $460 | $496 | $30 | $148 | $1,416 | $118 |
| Vue XR 2WD | $282 | $560 | $496 | $30 | $148 | $1,516 | $126 |
| Vue XR-L 2WD | $318 | $560 | $496 | $30 | $148 | $1,552 | $129 |
| Vue XR AWD | $318 | $560 | $496 | $30 | $148 | $1,552 | $129 |
| Vue XR-L AWD | $318 | $660 | $496 | $30 | $148 | $1,652 | $138 |
| Get Your Own Custom Quote Go | |||||||
Above prices assume single female driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Texas minimum liability limits. Discounts applied include multi-policy, homeowner, multi-vehicle, claim-free, and safe-driver. Premium amounts do not factor in specific zip code location which can increase or decrease auto insurance rates noticeably.
Choosing deductibles
The hardest decision when buying coverage is the level to set your comp and collision deductibles. The following insurance rates illustrate the differences in premium rates when you buy lower versus higher comp and collision deductibles. The first table uses a $250 deductible for comprehensive and collision coverage and the second rate table uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Vue XE 2WD | $294 | $408 | $382 | $22 | $114 | $1,245 | $104 |
| Vue XR 2WD | $294 | $496 | $382 | $22 | $114 | $1,333 | $111 |
| Vue XR-L 2WD | $332 | $496 | $382 | $22 | $114 | $1,371 | $114 |
| Vue XR AWD | $332 | $496 | $382 | $22 | $114 | $1,371 | $114 |
| Vue XR-L AWD | $332 | $584 | $382 | $22 | $114 | $1,459 | $122 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Vue XE 2WD | $240 | $328 | $382 | $22 | $114 | $1,086 | $91 |
| Vue XR 2WD | $240 | $400 | $382 | $22 | $114 | $1,158 | $97 |
| Vue XR-L 2WD | $270 | $400 | $382 | $22 | $114 | $1,188 | $99 |
| Vue XR AWD | $270 | $400 | $382 | $22 | $114 | $1,188 | $99 |
| Vue XR-L AWD | $270 | $472 | $382 | $22 | $114 | $1,260 | $105 |
| Get Your Own Custom Quote Go | |||||||
Premium data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include safe-driver, claim-free, homeowner, multi-policy, and multi-vehicle. Estimates do not factor in specific San Antonio garaging location which can lower or raise coverage prices noticeably.
Using the premium rates above, we can conclude that using a $250 deductible would cost the average driver about $15 more each month or $180 every year across all Saturn VUE models than selecting the higher $500 deductible. Since you would pay $250 more if you turn in a claim with a $500 deductible as compared to a $250 deductible, if you tend to have more than 17 months between claims, you would probably be better off by selecting a higher deductible.
The chart below highlights how deductible choice and can affect Saturn VUE yearly insurance costs for different insured age categories. The rate quotes are based on a married male driver, full physical damage coverage, and no other discounts are factored in.
Insurance rates based on gender
The information below illustrates the difference between Saturn VUE yearly insurance costs for male and female drivers. The rate quotes are based on no claims, a clean driving record, full physical damage coverage, $250 deductibles, marital status is single, and no discounts are taken into consideration.
Saturn VUE full coverage rates compared to liability only
The diagram below illustrates the comparison of Saturn VUE yearly insurance costs with liability coverage only compared to full coverage. The premiums assume no claims, a clean driving record, $100 deductibles, drivers are single, and no discounts are applied to the premium.
Should you pay for full coverage or liability only?
There is no specific rule that is best for determining when to drop comprehensive and collision coverage on your policy, but there is a general guideline you can use. If the yearly cost of full coverage is 10% or more of any settlement you would receive from your insurance company, the it may be a good time to stop paying for full coverage.
For example, let’s assume your Saturn VUE book value is $5,000 and you have $1,000 full coverage deductibles. If your vehicle is destroyed, the most your company will settle for is $4,000 after paying the physical damage deductible. If it’s costing you more than $400 annually for physical damage coverage, then you might consider buying liability only.
There are a few cases where only buying liability is not a good idea. If you haven’t satisfied your loan, you have to maintain full coverage in order to prevent the bank from purchasing higher-priced coverage. Also, if you can’t afford to buy a different vehicle in the event your current vehicle is totaled, you should not consider dropping full coverage.
Do you qualify for discounts?
Auto insurance is easily one of your largest bills, but you may find discounts to reduce the price significantly. Some trigger automatically when you get a quote, but some discounts are required to be manually applied in order for you to get them.
- Student in College – College-age children who live away from home at college and leave their car at home could get you a discount.
- Driver’s Ed – Require your teen driver to successfully complete driver’s ed class in school or through a local driver safety program.
- Low Mileage Discounts – Maintaining low annual mileage can earn lower prices on the low mileage vehicles.
- Savings for New Vehicles – Insuring a vehicle that is new may earn a small discount because new model year vehicles are generally safer.
- Multi-Vehicle Discounts – Purchasing coverage when you have several vehicles with one company can get a discount on all vehicles.
- Discount for Passive Restraints – Factory options such as air bags could see savings of up to 25% or more.
- Early Payment Discounts – By paying your policy upfront instead of paying each month you can avoid the installment charge.
Please keep in mind that many deductions do not apply to the entire cost. Most only reduce individual premiums such as liability, collision or medical payments. Despite the fact that it seems like you can get free auto insurance, it doesn’t quite work that way.
The illustration below shows the comparison of Saturn VUE insurance prices with and without discounts applied to the policy rates. The premiums assume a female driver, no tickets, no at-fault accidents, Texas state minimum liability limits, comprehensive and collision coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, marriage, homeowner, multi-policy, claim-free, and multi-car discounts applied.
A list of companies and some of the premium reductions they offer are detailed below.
- GEICO offers premium reductions for driver training, multi-vehicle, seat belt use, five-year accident-free, multi-policy, defensive driver, and air bags.
- Mercury Insurance offers discounts including annual mileage, accident-free, good student, professional/association, ease of repair, and multi-policy.
- Farmers Insurance offers discounts for good student, early shopping, bundle discounts, pay in full, switch companies, and multi-car.
- Auto-Owners Insurance includes discounts for paid in full, multi-policy, paperless, anti-theft, and mature driver.
- Liberty Mutual may have discounts that include newly married, preferred payment discount, teen driver discount, multi-policy, and hybrid vehicle.
- SAFECO policyholders can earn discounts including teen safe driver, bundle discounts, multi-car, homeowner, and anti-lock brakes.
- Progressive has savings for homeowner, online signing, online quote discount, good student, and continuous coverage.
- USAA discounts include good student, family discount, military installation, defensive driver, vehicle storage, and new vehicle.
If you need inexpensive San Antonio auto insurance quotes, ask each company the best way to save money. All car insurance discounts might not be offered on policies in San Antonio.
Local San Antonio car insurance agents and car insurance
A small number of people prefer to sit down with an agent and that is a smart decision The biggest benefit of comparing insurance prices online is that you can obtain the lowest rates and still buy from a local agent.
Once you complete this simple form, the coverage information is sent to insurance agents in San Antonio who will give you bids to get your business. There is no need to drive around because prices are sent to you directly. You can find better rates and work with a local agent. If you need to get a price quote from a specific company, you just need to jump over to their website to submit a rate quote request.
Selecting an insurer requires more thought than just the price. Any agent in San Antonio should be willing to answer these questions.
- How long has the business existed?
- Do they receive special compensation for putting your coverage with one company over another?
- Which companies can they place coverage with?
- Is the agent CPCU or CIC certified?
- Will they give you a referral list?
- Are they in the agency full-time?
If you’re trying to find a local insurance agency, it can be helpful to understand the types of insurance agents from which to choose. Agents are categorized either exclusive or independent.
Exclusive Insurance Agencies
Exclusive agents can only provide one company’s prices and some examples include Farmers Insurance or State Farm. Exclusive agents cannot provide rate quotes from other companies so they have to upsell other benefits. Exclusive agents are usually quite knowledgeable on what they offer which helps them sell insurance even at higher premiums. Some consumers prefer to choose to use a exclusive agent mainly due to loyalty to the company instead of buying on price only.
Shown below is a short list of exclusive insurance agencies in San Antonio that are able to give comparison quotes.
- Terry Padilla – State Farm Insurance Agent
6633 S Zarzamora – San Antonio, TX 78211 – (210) 932-3399 – View Map - B J Kohutek Jr – State Farm Insurance Agent
7863 Callaghan Rd #105 – San Antonio, TX 78229 – (210) 616-0662 – View Map - Joe Trevino – State Farm Insurance Agent
4951 De Zavala Rd – San Antonio, TX 78249 – (210) 694-0866 – View Map
Independent Agents
Independent agents are not employed by one company and that is an advantage because they can write policies with a variety of different insurance companies depending on which coverage is best. If prices rise, your agent can just switch to a different company and you can keep the same agent. When comparing car insurance rates, we recommend you get rate quotes from at least one independent agent to get the best comparison. Most also have access to small regional insurance companies which may provide better rates.
Listed below are independent insurance agents in San Antonio willing to provide comparison quotes.
- IBC Insurance Agency Ltd
5300 Walzem Rd – San Antonio, TX 78218 – (210) 646-9870 – View Map - Bapodra Insurance Agency, Inc
8607 Wurzbach Rd #101 – San Antonio, TX 78240 – (210) 696-1133 – View Map - Garcia Insurance Agency
1255 SW Military Dr – San Antonio, TX 78221 – (210) 593-8935 – View Map
Affordable insurance premiums are possible
In this article, we presented some good ideas how you can lower your Saturn VUE insurance car insurance rates in San Antonio. The key thing to remember is the more companies you get premium rates for, the higher the chance of saving money. Drivers may even discover the most savings is with some of the lesser-known companies.
Insureds switch companies for a number of reasons such as policy cancellation, lack of trust in their agent, not issuing a premium refund or unfair underwriting practices. Whatever your reason, switching insurance companies is not as difficult as it may seem.
When getting San Antonio auto insurance quotes online, make sure you don’t buy lower coverage limits just to save a few bucks. There are many occasions where drivers have reduced collision coverage and found out when filing a claim that the small savings ended up costing them much more. The aim is to purchase plenty of coverage for the lowest cost.
More information can be read at these links:
- How Does Hitting a Deer Impact Insurance Rates? (Allstate)
- What Insurance is Cheapest for 4×4 Vehicles in San Antonio? (FAQ)
- How Much are San Antonio Car Insurance Rates for High Mileage Drivers? (FAQ)
- Driving in Bad Weather (Insurance Information Institute)
- Neck Injury FAQ (iihs.org)