How to Save on Saturn VUE Insurance in Tulsa

Insurance rates Saturn VUE in TulsaThe best way we recommend to find affordable quotes for Saturn VUE insurance is to start doing an annual price comparison from insurance carriers in Tulsa.

One important bit of advice is to use the same amount of coverage on each price quote and and to get rates from as many different companies as possible. This guarantees a level playing field and the best price selection.

Astonishing but true, most insurance buyers in Oklahoma renewed their policy with the same company for a minimum of four years, and roughly 40% of drivers have never quoted rates to find lower-cost coverage. With the average premium in the U.S. being $1,847, drivers could save about 47% every year by just comparing rate quotes, but most tend to underestimate the large savings they would see if they switched.

How Car Insurance Companies Determine Saturn VUE Insurance Costs

Lots of things are considered when premium rates are determined. Most are fairly basic such as your driving record, but other criteria are not quite as obvious such as your credit history or how financially stable you are.

Affordable Tulsa Saturn VUE insurance

To find more affordable quotes, there are a couple of ways to get quotes from companies that offer auto insurance in Oklahoma. The recommended way to compare Saturn VUE insurance prices involves getting comparison quotes online.

Doing price comparisons online is so simple that it replaces the need to drive around to different Tulsa agent offices. The ability to buy insurance online eliminates the middleman unless you prefer the extra assistance that only a licensed agent can provide. Some companies do allow you to comparison shop your insurance online but purchase the actual policy in an agency. When price shopping your coverage, making a lot of price comparisons helps improve the odds of finding the best offered rates.

The companies in the list below can provide price quotes in Tulsa, OK. If you want cheaper auto insurance in Oklahoma, we suggest you get price quotes from several of them in order to find the cheapest rates.

Rates and statistics

The data table shown next showcases different insurance costs for Saturn VUE models. Learning as much as possible about how policy premiums are calculated can be useful when making decisions when shopping around.

Saturn VUE Insurance Rates in Tulsa, OK
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Vue XE 2WD $332 $562 $506 $30 $152 $1,582 $132
Vue XR 2WD $332 $684 $506 $30 $152 $1,704 $142
Vue XR-L 2WD $374 $684 $506 $30 $152 $1,746 $146
Vue XR AWD $374 $684 $506 $30 $152 $1,746 $146
Vue XR-L AWD $374 $804 $506 $30 $152 $1,866 $156
Get Your Own Custom Quote Go

Table data represents single female driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Oklahoma minimum liability limits. Discounts applied include multi-vehicle, safe-driver, claim-free, homeowner, and multi-policy. Price information does not factor in vehicle garaging location which can alter coverage rates significantly.

Price comparison of only insuring for liability

The information below shows the comparison of Saturn VUE insurance rates with full physical damage coverage and with liability coverage only. The premiums are based on no claims, a clean driving record, $500 deductibles, marital status is single, and no additional discounts are factored in.

When to switch to liability coverage only

There is no exact rule to eliminate physical damage coverage on your policy, but there is a general school of thought. If the annual cost of having full coverage is more than around 10% of any settlement you would receive from your insurance company, then it might be time to buy liability only.

For example, let’s assume your Saturn VUE replacement value is $4,000 and you have $1,000 policy deductibles. If your vehicle is totaled, the most your company would pay you is $3,000 after the deductible is paid. If premiums are more than $300 annually for full coverage, then it may be the right time to buy liability only.

There are some scenarios where eliminating full coverage is not a good idea. If you haven’t paid off your loan, you must maintain physical damage 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 drop full coverage.

Auto insurance in Oklahoma serves several purposes

Even though it can be expensive, maintaining insurance is a good idea for several reasons.

The benefits of having insurance greatly outweigh the cost, particularly when you have a large claim. But the average American driver overpays more than $855 a year so smart consumers compare quotes at every renewal to help ensure money is not being wasted.

Get affordable rates with discounts

Companies don’t list all their discounts in a way that’s easy to find, so the list below details both well-publicized as well as some of the hidden credits that you can use to lower your rates. If you check and find you aren’t receiving every discount you deserve, you are not getting the best rate possible.Cheaper car insurance with discounts

Please keep in mind that some credits don’t apply to the entire policy premium. A few only apply to the cost of specific coverages such as physical damage coverage or medical payments. Even though the math looks like you would end up receiving a 100% discount, companies wouldn’t make money that way.

The chart below shows the comparison of Saturn VUE insurance premiums with and without discounts applied. The prices are based on a female driver, no claims or violations, Oklahoma 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 safe-driver, homeowner, marriage, multi-car, claim-free, and multi-policy discounts applied.

To choose insurance companies offering car insurance discounts in Oklahoma, follow this link.

Shop online but buy locally

A lot of people just want to visit with an insurance agent and doing that can be a smart decision One of the great benefits of comparing rates online is that you can find the lowest rates and still buy from a local agent.

Tulsa insurance agentsTo make it easy to find an agent, after completing this simple form, the coverage information is emailed to participating agents in Tulsa who will give competitive quotes and help you find cheaper coverage. There is no reason to contact any agents due to the fact that quote results will go immediately to you. You can find the lowest rates and a licensed agent to talk to. If for some reason you want to get a rate quote from one company in particular, don’t hesitate to go to their quote page and fill out the quote form the provide.

Finding the right insurance company should depend on more than just a low price. These are valid questions to ask:

Do you need an independent or exclusive car insurance agent?

If you prefer to buy car insurance from a good insurance agency, you need to know there are two different types of agencies and how they can write your policy. Agents in Tulsa can be categorized as either exclusive or independent.

Exclusive Agents

Agents that elect to be exclusive are contracted to one company like American Family, State Farm, and AAA. Exclusive agents cannot provide other company’s prices so they have to upsell other benefits. They are well trained on sales techniques and that allows them to sell at a higher price point.

Below is a list of exclusive agencies in Tulsa that are able to give comparison quotes.

7318 S Yale AveTulsa, OK 74136(918) 492-7600View Map

8222 S Lewis AveTulsa, OK 74137(918) 518-6700View Map

5800 S Lewis Ave Ste 149Tulsa, OK 74105(918) 749-1300View Map

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Independent Insurance Agents

Agents in the independent channel are not required to write business for one company so they can quote policies with multiple insurance companies and find the cheapest car insurance rates. If your agent finds better pricing, an independent agent can move your coverage and you won’t have to switch agencies. When comparing car insurance rates, it’s a good idea to include price quotes from multiple independent agents to get the best comparison.

The following are independent agents in Tulsa that can give you rate quotes.

4700 S Garnett Rd #200Tulsa, OK 74146(918) 582-0565View Map

427 South Boston Avenue, 518Tulsa, OK 74103(918) 574-6262View Map

9726 E 42nd St #210Tulsa, OK 74146(918) 664-7100View Map

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Frequent quotes can save

Some insurance providers don’t offer online rate quotes and most of the time these smaller providers prefer to sell through local independent agents. More affordable car insurance in Tulsa is available on the web as well as from insurance agents, and you need to comparison shop both to have the best chance of lowering rates.

While you’re price shopping online, it’s very important that you do not skimp on coverage in order to save money. There are a lot of situations where someone dropped uninsured motorist or liability limits and learned later that the small savings ended up costing them much more. The goal is to find the BEST coverage for the lowest cost but still have enough coverage for asset protection.

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