How to Save on Saturn VUE Insurance in Sacramento

Are you tired of trying to scrape together enough money to pay auto insurance each month? You are no different than many other California consumers.

Discount Saturn VUE insuranceIt’s amazing but nearly 70% of customers have bought auto insurance from the same company for four years or more, and virtually 40% of consumers have never compared rates to find cheap insurance. With the average premium in California being $1,400, drivers could pocket approximately $470 a year just by shopping around, but they assume it’s a waste of time to compare other rate quotes. Online insurance companies like State Farm, GEICO and Farmers Insurance constantly blast consumers with fancy advertisements and it is difficult to avoid their marketing magic and find the best price available.

It’s smart to check auto insurance prices yearly due to the fact that insurance prices are rarely the same from one policy term to another. Just because you found the best rates on Saturn VUE insurance in Sacramento a few years ago there is a good chance you can find better rate quotes now. Ignore everything you know about auto insurance because it’s time to teach you the quickest way to save money, get proper coverage and the best rates.

Car insurance providers offering low-cost rates in California

The companies shown below are our best choices to provide price quotes in Sacramento, CA. If your goal is to find cheaper auto insurance in Sacramento, we recommend you visit as many as you can in order to find the most affordable rates.

Saturn VUE detailed coverage information

The table shown next covers detailed analysis of insurance costs for Saturn VUE models. Understanding more about how rate quotes are calculated can assist in making smart choices when comparing insurance quotes.


Saturn VUE Insurance Rates in Sacramento, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Vue XE 2WD $270 $374 $450 $26 $134 $1,254 $105
Vue XR 2WD $270 $454 $450 $26 $134 $1,334 $111
Vue XR-L 2WD $304 $454 $450 $26 $134 $1,368 $114
Vue XR AWD $304 $454 $450 $26 $134 $1,368 $114
Vue XR-L AWD $304 $536 $450 $26 $134 $1,450 $121
Get Your Own Custom Quote Go

Above prices assume married female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, homeowner, multi-policy, safe-driver, and claim-free. Table data does not factor in specific Sacramento garaging location which can change rates considerably.

Physical damage deductible comparison

One of the more difficult decisions when buying auto insurance is the level to set your comp and collision deductibles. The rates shown below may help to illustrate how much more rates are of buying low and high insurance deductibles. The first pricing table uses a $250 physical damage coverage deductible and the second rate table uses a $500 deductible.


Saturn VUE insurance premium rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Vue XE 2WD $342 $472 $442 $26 $132 $1,439 $120
Vue XR 2WD $342 $576 $442 $26 $132 $1,543 $129
Vue XR-L 2WD $386 $576 $442 $26 $132 $1,587 $132
Vue XR AWD $386 $576 $442 $26 $132 $1,587 $132
Vue XR-L AWD $386 $678 $442 $26 $132 $1,689 $141
Get Your Own Custom Quote Go

Saturn VUE insurance premium rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Vue XE 2WD $278 $382 $442 $26 $132 $1,260 $105
Vue XR 2WD $278 $464 $442 $26 $132 $1,342 $112
Vue XR-L 2WD $314 $464 $442 $26 $132 $1,378 $115
Vue XR AWD $314 $464 $442 $26 $132 $1,378 $115
Vue XR-L AWD $314 $546 $442 $26 $132 $1,460 $122
Get Your Own Custom Quote Go

Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include homeowner, safe-driver, multi-vehicle, multi-policy, and claim-free. Estimates do not factor in your specific Sacramento location which can alter prices greatly.

Using the premium rates above, we can conclude that using a $250 deductible will cost you about $17 more each month or $204 for a full year averaged for all VUE models than opting for 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 tend to have more than 15 months between claim filings, you would more than likely save some money if you decide on a higher deductible.

The example below illustrates how your choice of deductibles and can change Saturn VUE insurance costs for each age group. The data assumes a single female driver, full coverage, and no discounts are taken into consideration.

Get cheaper Saturn VUE insurance rates in Sacramento

Not many people think insurance is cheap, but you might find some hidden discounts that you may not even know about. Many discounts should be triggered at the time of quoting, but a few must be inquired about before being credited.

We need to note that many deductions do not apply to the entire cost. A few only apply to individual premiums such as collision or personal injury protection. Even though it may seem like all those discounts means the company will pay you, nobody gets a free ride.

The illustration below shows the difference between Saturn VUE auto insurance rates with and without discounts applied to the rates. The rate quotes are based on a male driver, a clean driving record, no at-fault accidents, California state minimum liability limits, full coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, homeowner, multi-policy, marriage, multi-car, and claim-free discounts applied.

A few popular companies and some of their more popular discounts can be read below.

When getting free Sacramento car insurance quotes, it’s a good idea to each company how many discounts you can get. Some of the discounts discussed earlier might not be available to policyholders in Sacramento. To choose insurance companies offering auto insurance discounts in California, click here.

Exclusive and independent auto insurance agents

Some people would rather sit down and talk to an agent and often times that is recommended Agents can make sure you are properly covered and help submit paperwork. One of the best bonuses of comparing insurance prices online is that drivers can save money and get the lowest rates and still buy from a local agent. And providing support for neighborhood insurance agencies is important especially in Sacramento.

Insurance agency in SacramentoFor easy comparison, once you complete this quick form, your insurance coverage information is instantly submitted to insurance agents in Sacramento who will gladly provide quotes and help you find cheaper coverage. You won’t need to contact any insurance agencies because prices are sent to you. If you wish to get a comparison quote from a particular provider, feel free to jump over to their website and give them your coverage information.

Exclusive and independent Sacramento auto insurance agents

If you’re trying to find a reputable agency, it’s important to understand the different types of agents that you can choose from. Agents in Sacramento can be described as either independent or exclusive. Either can write policy coverage, but it’s worth mentioning how they differ because it can factor into the kind of agent you use.

Independent Auto Insurance Agencies or Brokers

Agents that elect to be independent can sell policies from many different companies so they can write business with any number of different companies and get the cheapest rates. If your agent finds better pricing, they simply move your policy to a different company which is easy for the insured.

When shopping rates, you will definitely want to get insurance quotes from independent agents to ensure the widest selection of prices.

Featured below are independent agencies in Sacramento that can give you comparison quotes.


1353 Fulton AveSacramento, CA 95825(916) 339-6490View Map


1610 Arden Way # 121Sacramento, CA 95815(916) 286-5960View Map


6905 Stockton Blvd Ste 230Sacramento, CA 95823(916) 399-8113View Map

More Sacramento agents

Exclusive Agents

Agents in the exclusive channel can only write with one company and examples are State Farm, Allstate and AAA. These agents are not able to provide rate quotes from other companies so it’s a take it or leave it situation. They are highly trained on what they offer which helps overcome the inability to quote other rates.

The following is a list of exclusive insurance agents in Sacramento willing to provide comparison quotes.

Sherman Chan – State Farm Insurance Agent
1355 Florin Rd Ste 1Sacramento, CA 95822(916) 422-1550View Map


7485 Rush River Dr #715Sacramento, CA 95831(916) 392-1240View Map


5211 Madison AveSacramento, CA 95841(916) 923-5050View Map

More Sacramento agents

Finding the right car insurance agent needs to be determined by more than just the price. These questions are important to ask:

Parts of your car insurance policy

Knowing the specifics of a car insurance policy aids in choosing the right coverages for your vehicles. Car insurance terms can be difficult to understand and even agents have difficulty translating policy wording. Below you’ll find the usual coverages available from car insurance companies.

Uninsured and underinsured coverage – Uninsured or Underinsured Motorist coverage provides protection when other motorists either have no liability insurance or not enough. Covered losses include medical payments for you and your occupants and also any damage incurred to your Saturn VUE.

Due to the fact that many California drivers carry very low liability coverage limits (15/30/5 in California), it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is a good idea. Usually these limits are set the same as your liability limits.

Coverage for medical payments – Med pay and PIP coverage provide coverage for expenses like X-ray expenses, hospital visits, rehabilitation expenses and pain medications. They can be used to fill the gap from your health insurance program or if there is no health insurance coverage. Medical payments and PIP cover you and your occupants and will also cover any family member struck as a pedestrian. Personal injury protection coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Collision – This coverage covers damage to your VUE resulting from a collision with another car or object. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims such as crashing into a ditch, hitting a mailbox, colliding with a tree, sideswiping another vehicle and driving through your garage door. Collision is rather expensive coverage, so consider dropping it from older vehicles. You can also bump up the deductible on your VUE in order to get cheaper collision rates.

Comprehensive coverages – Comprehensive insurance pays for damage that is not covered by collision coverage. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things like hitting a bird, fire damage, theft and damage from flooding. The most a car insurance company will pay at claim time is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Liability coverages – Liability coverage protects you from damages or injuries you inflict on people or other property that is your fault. It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see limits of 15/30/5 that means you have $15,000 bodily injury coverage, a per accident bodily injury limit of $30,000, and a total limit of $5,000 for damage to vehicles and property. Alternatively, you may have one number which is a combined single limit which limits claims to one amount and claims can be made without the split limit restrictions.

Liability insurance covers things like legal defense fees, pain and suffering, medical services, loss of income and structural damage. The amount of liability coverage you purchase is a decision to put some thought into, but consider buying as much as you can afford. California requires drivers to carry at least 15/30/5 but drivers should carry higher limits.

The chart below demonstrates why the minimum limit may not be adequate coverage.

Compare rates regularly to save

Discount Saturn VUE insurance in Sacramento is possible both online and with local Sacramento insurance agents, and you should compare rates from both to have the best rate selection. Some insurance companies do not provide internet price quotes and usually these smaller providers only sell coverage through independent agents.

As you shop your coverage around, never reduce needed coverages to save money. There have been many situations where consumers will sacrifice liability coverage limits only to discover later that a couple dollars of savings turned into a financial nightmare. Your goal should be to purchase a proper amount of coverage at a price you can afford, but do not skimp to save money.

Steps to buying discount Saturn VUE insurance in Sacramento

If saving the most money is your goal, then the best way to save money on car insurance rates in Sacramento is to compare prices regularly from companies that insure vehicles in California.

A tip to remember is to try to use identical coverage information on each price quote and and to get rates from every company you can. Doing this enables the most accurate price comparison and the best price selection.

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