Want to learn the secrets to finding more affordable Saturn VUE insurance in Madison? Finding the cheapest Madison Saturn VUE insurance quotes is rather difficult for people that are relatively new to comparing rates and buying insurance online. Since there are so many companies in the marketplace, how are we expected to have a chance to compare each option to find the lowest price?
It’s a known fact that insurance companies don’t want you shop around. Insureds who shop around for cheaper prices will probably switch to a new company because the odds are good of finding a lower-priced company. Surprisingly, a recent survey revealed that drivers who regularly compared price quotes saved as much as $72 a month compared to drivers who never compared prices.
If finding low prices for Saturn VUE insurance is your ultimate objective, then understanding how to compare insurance rates can help you succeed in saving money.
It’s a good idea to get comparison quotes before your policy renews because prices are constantly changing. Despite the fact that you may have had the best deal on Saturn VUE insurance in Madison a few years ago the chances are good that you can find a lower rate today. Block out anything you think you know about insurance because it’s time to teach you the fastest and easiest way to save money, get proper coverage and the best rates.
The easiest way to compare rate quotes for Saturn VUE insurance in Madison utilizes the fact most insurance companies will pay a fee to quote your coverage. To start a quote, the only thing you need to do is spend a couple of minutes providing details like driver ages, how your vehicles are used, your education level, and if it has an anti-theft system. Those rating factors is sent automatically to multiple insurance providers and you receive quotes within a short period of time.
To get price quotes for your Saturn VUE now, click here and enter your coverage details.
The companies shown below can provide comparison quotes in Madison, WI. To buy the cheapest car insurance in Madison, WI, it’s a good idea that you click on several of them to get a more complete price comparison.
Saturn VUE insurance statistics and information
The data table displayed next showcases estimates of rate quotes for Saturn VUE models. Having a better understanding of how prices are figured can assist in making informed decisions when comparing rate quotes.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Vue XE 2WD | $172 | $242 | $234 | $14 | $70 | $732 | $61 |
| Vue XR 2WD | $172 | $294 | $234 | $14 | $70 | $784 | $65 |
| Vue XR-L 2WD | $194 | $294 | $234 | $14 | $70 | $806 | $67 |
| Vue XR AWD | $194 | $294 | $234 | $14 | $70 | $806 | $67 |
| Vue XR-L AWD | $194 | $346 | $234 | $14 | $70 | $858 | $72 |
| Get Your Own Custom Quote Go | |||||||
Price data assumes married female driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Wisconsin minimum liability limits. Discounts applied include homeowner, multi-vehicle, multi-policy, claim-free, and safe-driver. Price information does not factor in zip code location which can modify prices greatly.
Comparison of policy deductibles
A question often asked by Madison drivers is what deductibles to buy. The figures shown below illustrate the rate difference between high and low deductibles. The first data set uses a $250 physical damage coverage deductible and the second pricing table uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Vue XE 2WD | $178 | $246 | $230 | $14 | $68 | $761 | $63 |
| Vue XR 2WD | $178 | $300 | $230 | $14 | $68 | $815 | $68 |
| Vue XR-L 2WD | $200 | $300 | $230 | $14 | $68 | $837 | $70 |
| Vue XR AWD | $200 | $300 | $230 | $14 | $68 | $837 | $70 |
| Vue XR-L AWD | $200 | $352 | $230 | $14 | $68 | $889 | $74 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Vue XE 2WD | $110 | $154 | $230 | $14 | $68 | $576 | $48 |
| Vue XR 2WD | $110 | $188 | $230 | $14 | $68 | $610 | $51 |
| Vue XR-L 2WD | $124 | $188 | $230 | $14 | $68 | $624 | $52 |
| Vue XR AWD | $124 | $188 | $230 | $14 | $68 | $624 | $52 |
| Vue XR-L AWD | $124 | $222 | $230 | $14 | $68 | $658 | $55 |
| Get Your Own Custom Quote Go | |||||||
Premium data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Wisconsin minimum liability limits. Discounts applied include homeowner, multi-policy, claim-free, multi-vehicle, and safe-driver. Premium amounts do not factor in zip code location which can raise or lower auto insurance rates substantially.
Using the data above, we can ascertain that using a $250 deductible costs an average of $17 more each month or $204 a year than requesting the higher $1,000 deductible. Since the policyholder would be required to pay $750 more if you turn in a claim with a $1,000 deductible as compared to a $250 deductible, if you tend to have at a minimum 44 months between claim filings, you would more than likely save some money if you choose the higher deductible.
Males versus Females
The illustration below shows the difference between Saturn VUE insurance rates for male and female drivers. The rate quotes are based on no accidents, no driving violations, full physical damage coverage, $250 deductibles, single status, and no discounts are taken into consideration.
What if I want to buy from local Madison car insurance agents?
A small number of people just want to buy from a local agent and doing so can bring peace of mind One of the great benefits of comparing car insurance online is the fact that drivers can get the best rates but also keep your business local. And supporting small agencies is still important in Madison.
To make it easy to find an agent, after completing this form (opens in new window), your coverage information is instantly submitted to insurance agents in Madison that provide free Madison auto insurance quotes for your insurance coverage. You don’t have to find an agent due to the fact that quote results will go immediately to you. You can find better rates without a big time investment. If you need to quote rates from a specific car insurance provider, don’t hesitate to find their quoting web page and give them your coverage information.
If you are wanting to purchase car insurance from a good insurance agency, it helps to know the two different agency structures from which to choose. Car insurance agents may be either independent or exclusive.
Independent Insurance Agents
Agents in the independent channel are not restricted to one company so they have the ability to put coverage through many companies depending on which coverage is best. If your agent finds better pricing, the business is moved internally without you having to go to a different agency.
When comparison shopping, we highly recommend that you get some free quotes from independent agents so that you can do a thorough price comparison. Many independent agencies also insure through small mutual carriers that may have much lower rates than larger companies.
Below are Madison independent agents who may provide free car insurance quotes.
- Johnson Insurance
525 Junction Rd #2000 – Madison, WI 53717 – (608) 203-3880 – View Map - Homewood Insurance Agency
583 D’onofrio Dr Ste. 1012 – Madison, WI 53719 – (608) 442-6666 – View Map - Spectrum Insurance Group – Madison
525 Junction Rd #8505 – Madison, WI 53717 – (608) 204-7055 – View Map
Exclusive Car Insurance Agencies
Exclusive insurance agents can only place business with one company such as State Farm or Allstate. These agents are not able to compare rates from other companies so keep that in mind. They are usually quite knowledgeable on their company’s products which helps offset the inability to provide other markets. Consumers sometimes buy insurance from these agents mainly due to the prominent brand name rather than having the cheapest rates.
Listed below are exclusive agencies in Madison who can help you get price quotes.
- Farmers Insurance – Laura Beck Nielsen
1915 Winnebago St #102 – Madison, WI 53704 – (608) 237-3747 – View Map - Cheng Vang – State Farm Insurance Agent
2110 N Sherman Ave – Madison, WI 53704 – (608) 661-5700 – View Map - Michael Wegner – State Farm Insurance Agent
425 Grand Canyon Dr – Madison, WI 53719 – (608) 833-9000 – View Map
Deciding on a car insurance agent requires more thought than just a low price. Before buying a policy in Madison, get answers to these questions.
- How often do they review coverages?
- Who is covered by the car insurance policy?
- How much training do they have in personal risk management?
- Did they already check your driving record and credit reports?
- Which company do they place the most coverage with?
- How are claims handled?
If you receive positive responses to these questions as well as a price you’re happy with, it’s a good possibility that you have found an auto insurance agent that meets the requirements to service your policy.
Wisconsin auto insurance company ratings
Selecting a good quality insurer is hard considering how many companies sell coverage in Wisconsin. The company information displayed below can help you select which companies to look at shopping your coverage with.
Top 10 Madison Car Insurance Companies Ranked by Claims Service
- Progressive
- Travelers
- Liberty Mutual
- Nationwide
- USAA
- AAA Insurance
- Safeco Insurance
- GEICO
- Esurance
- The General
Top 10 Madison Car Insurance Companies by A.M. Best Rank
- USAA – A++
- Travelers – A++
- State Farm – A++
- GEICO – A++
- Nationwide – A+
- Esurance – A+
- The Hartford – A+
- Erie Insurance – A+
- Progressive – A+
- Allstate – A+