Cheapest Saturn VUE Insurance in Tampa

Insurance rates Saturn VUE in TampaSurprisingly, a recent survey revealed that the vast majority of insurance customers kept their coverage with the same insurance company for well over three years, and just short of a majority have never even shopped around for affordable coverage. Florida insurance shoppers could save an average of nearly $1,130 each year, but they just don’t understand the actual amount they would save if they replace their high priced policy.

If saving the most money is your goal, then the best way to get cheaper car insurance rates is to compare prices once a year from different companies who can sell car insurance in Tampa. Rates can be compared by following these guidelines.

The key aspect of shopping around is to make sure you’re comparing identical limits and deductibles on every quote request and and to get quotes from all possible companies. This guarantees a level playing field and maximum price selection.

Our objective in writing this article is to teach you a little about the best way to quote coverages and also pocket some savings If you are paying for car insurance now, you stand a good chance to be able to lower your rates using the ideas you’re about to read. Comparison shoppers just need to understand the least time-consuming way to get comparison rates on the web.

The companies in the list below provide comparison quotes in Florida. To find the cheapest auto insurance in Tampa, we suggest you visit as many as you can to get the lowest price.

Rates and other information

The premium table displayed below outlines a range of prices for Saturn VUE models. Learning as much as possible about how insurance rates are figured can aid in making informed decisions when shopping around for a new policy.

Saturn VUE Insurance Rates in Tampa, FL
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Vue XE 2WD $154 $234 $392 $24 $118 $922 $77
Vue XR 2WD $154 $284 $392 $24 $118 $972 $81
Vue XR-L 2WD $174 $284 $392 $24 $118 $992 $83
Vue XR AWD $174 $284 $392 $24 $118 $992 $83
Vue XR-L AWD $174 $334 $392 $24 $118 $1,042 $87
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Premium data assumes married female driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Florida minimum liability limits. Discounts applied include safe-driver, claim-free, multi-policy, multi-vehicle, and homeowner. Rates do not factor in specific location which can decrease or increase premiums considerably.

Physical damage deductibles: Should you raise them?

One common question asked by Tampa drivers is how high should your deductibles be. The comparison tables below may help to illustrate the price difference when you buy lower versus higher comp and collision deductibles. The first price estimate table uses a $250 comprehensive and collision deductible and the second price chart uses a $500 deductible.

Saturn VUE insurance policy rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Vue XE 2WD $322 $446 $418 $24 $124 $1,359 $113
Vue XR 2WD $322 $544 $418 $24 $124 $1,457 $121
Vue XR-L 2WD $364 $544 $418 $24 $124 $1,499 $125
Vue XR AWD $364 $544 $418 $24 $124 $1,499 $125
Vue XR-L AWD $364 $640 $418 $24 $124 $1,595 $133
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Saturn VUE insurance policy rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Vue XE 2WD $262 $360 $418 $24 $124 $1,188 $99
Vue XR 2WD $262 $438 $418 $24 $124 $1,266 $106
Vue XR-L 2WD $296 $438 $418 $24 $124 $1,300 $108
Vue XR AWD $296 $438 $418 $24 $124 $1,300 $108
Vue XR-L AWD $296 $516 $418 $24 $124 $1,378 $115
Get Your Own Custom Quote Go

Premium data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Florida minimum liability limits. Discounts applied include homeowner, multi-policy, multi-vehicle, safe-driver, and claim-free. Rate quotes do not factor in Tampa location which can increase or decrease prices considerably.

Based on these figures, using a $250 deductible would cost the average driver about $16 more each month or $192 annually than quoting the higher $500 deductible. Due to the fact that you would have to pay $250 more out of your own pocket with a $500 deductible as compared to a $250 deductible, if you usually have more than 16 months between claims, you would come out ahead if you choose the higher deductible.

How to decide to raise your deductibles

Average monthly premium for $250 deductibles: $123
Average monthly premium for $500 deductibles (subtract): – $107
Monthly savings from raising deductible: $16
Difference between deductibles ($500 – $250): $250
Divide difference by monthly savings: $250 / $16
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 16 months

One important issue to know is that a higher deductible means you will have to pay more when you have to file a claim. That will require some available funds in the event you have to pay the higher deductible in order to repair your vehicle.

The example below demonstrates how choosing different deductibles and can increase or decrease Saturn VUE insurance rates for different age groups. The data assumes a married male driver, full physical damage coverage, and no discounts are applied to the premium.

Full coverage rates vs. liability-only in Tampa

The illustration below illustrates the difference between Saturn VUE car insurance rates with full physical damage coverage compared to only buying liability only. The data is based on no violations or claims, $1,000 deductibles, marital status is single, and no discounts are factored in.

Deciding between full coverage and liability only

There is no set rule for eliminating comprehensive and collision coverage on your policy, but there is a general guideline you can use. If the yearly cost of comp and collision coverage is more than 10% of replacement cost minus your deductible, then it might be time to buy liability only.

For example, let’s assume your Saturn VUE replacement value is $5,000 and you have $1,000 deductibles. If your vehicle is damaged in an accident, you would only receive $4,000 after you pay the deductible. If premium cost is more than $400 annually for physical damage coverage, then you might want to think about dropping full coverage.

There are a few situations where eliminating full coverage is not a good idea. If you still owe money on your vehicle, you have to keep full coverage to protect the lienholder’s interest in the vehicle. Also, if you can’t afford to buy a different vehicle in case of an accident, you should keep full coverage.

Lower Your Tampa Insurance Premiums

Consumers need to have an understanding of the different types of things that play a part in calculating the level of your policy premiums. If you have some idea of what impacts premium levels, this enables informed choices that could help you find big savings.

Why you need to buy auto insurance

Even though Tampa VUE insurance rates can get expensive, insurance serves several important purposes.

The benefits of having insurance more than cancel out the cost, especially with large liability claims. Unknowingly, the average driver overpays more than $850 per year so we recommend shopping around every year to help ensure money is not being wasted.

Tampa car insurance companies ranked

Picking the highest-rated insurer can be difficult considering how many choices you have in Florida. The ranking information shown below may help you select which car insurance providers you want to consider when comparing rate quotes.

Top 10 Tampa Car Insurance Companies Ranked by Customer Satisfaction

  1. USAA – 91%
  2. AAA Insurance – 90%
  3. Esurance – 90%
  4. Mercury Insurance – 89%
  5. Nationwide – 89%
  6. Travelers – 88%
  7. Progressive – 88%
  8. Safeco Insurance – 88%
  9. State Farm – 88%
  10. Allstate – 88%

Top 10 Tampa Car Insurance Companies Ranked by Claims Service

  1. Travelers
  2. Nationwide
  3. Allstate
  4. State Farm
  5. Liberty Mutual
  6. GEICO
  7. American Family
  8. Esurance
  9. Titan Insurance
  10. AAA Insurance