2005 Saturn Relay Insurance Quotes – 7 Discounts for Cheapest Rates

Searching for lower insurance rates for your Saturn Relay? Did a good deal turn into an expensive insurance policy? Say no more because there are lots of people in the same boat. Many auto insurance companies compete to insure your vehicles, so it can be very hard to choose a insurer to discover the definitive lowest cost out there.

Compare insurance price quotes online

Effectively comparing insurance prices can take time and effort if you don’t utilize the easiest way. You can waste a lot of time talking to insurance agencies in your area, or you can stay home and use online quotes for quick rates.

Most of the best insurance companies enroll in a system that enables customers to only type in their quote data once, and every company then gives them pricing based on that data. This prevents consumers from doing quote forms for each company you want a rate for.

To compare rates using this form now click here to open in new window.

The only downside to pricing coverage this way is you are unable to specify which carriers to get quotes from. So if you want to select individual companies to request quotes from, we have a listing of companies who write insurance in your area. Click here for list of insurance companies.

The approach you take is up to you, just make sure you use nearly identical quote data with each company. If you are comparing different liability limits it will be very difficult to make an equal comparison.

Slick advertising tricks that work

Consumers constantly see and hear ads that claim the cheapest premium rates by companies like Allstate and Progressive. All the companies state the claim about saving some big amount if you change your insurance coverage policy to them.

How is it plausible that every one can charge you a lower premium? Here is how they do it.

Different companies have specific guidelines for the type of customer that earns them the highest profit. An example of a preferred risk could be over the age of 40, insures multiple vehicles, and drives a lower-performance vehicle. A propective insured that hits that “sweet spot” will get a cheap rate quote and will also save money with a new company.

Potential customers who are not a match for these stringent criteria may be required to pay a higher rate and this results in the customer not buying. The wording the ads use say “customers who switch” but not “everyone who gets a quote” can get the lowest rates when switching. That’s why insurance companies can confidently make claims that they all have the best prices. Because every company is different, drivers must compare free car insurance quotes often. Because you never know which company will be your best fit.

Find hidden discounts to get affordable insurance quotes

Car insurance companies don’t always advertise their entire list of discounts very well, so the following is a list of a few of the more common and also the more inconspicuous discounts that you can inquire about if you buy car insurance online.

  • Organization Discounts – Joining a qualifying organization is a good way to get lower rates on your policy.
  • New Car Discount – Buying a new car model may earn a small discount since newer vehicles are generally safer.
  • Multiple Policy Discount – When you combine your homeowners and auto insurance and insure them with the same company they may give you a discount of 10% to 20% off each policy.
  • Passive Restraints and Air Bags – Factory air bags can receive discounts up to 30%.
  • No Charge for an Accident – This one is not really a discount per se, but a few companies such as Allstate, Progressive, and GEICO will allow you to have one accident before raising your premiums if you have no claims for a specific time period.
  • Mature Driver Discount – If you qualify as a senior citizen, you can possibly qualify for reduced rates for Relay insurance.
  • Drive Less and Save – Maintaining low annual mileage can qualify you for discounted premium rates on garaged vehicles.

Keep in mind that most discounts do not apply to all coverage premiums. Most only apply to the price of certain insurance coverages like comprehensive or collision. Even though it appears you could get a free insurance policy, insurance companies aren’t that generous.

A list of insurance companies and some of the premium reductions they offer are:

  • Esurance may include discounts for anti-theft, claim free, Pac-12 alumni, homeowner, online shopper, and DriveSense.
  • The Hartford offers premium reductions for defensive driver, bundle, good student, air bag, anti-theft, vehicle fuel type, and driver training.
  • AAA policyholders can earn discounts including pay-in-full, good student, anti-theft, multi-policy, good driver, and education and occupation.
  • GEICO may have discounts that include military active duty, driver training, air bags, multi-policy, and defensive driver.
  • State Farm has savings for student away at school, multiple autos, good driver, driver’s education, and Steer Clear safe driver discount.

When comparing rates, check with all the companies which discounts you qualify for. All car insurance discounts may not apply to policyholders in your state.

Tailor your car insurance coverage to you

When choosing the right insurance coverage for your personal vehicles, there is no single plan that fits everyone. Everyone’s needs are different so your insurance should reflect that For example, these questions could help you determine if your situation may require specific advice.

  • Do I need roadside assistance coverage?
  • Do I need added coverage for expensive stereo equipment?
  • Why do I only qualify for high-risk insurance?
  • Do I get a pro-rated refund if I cancel my policy early?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • Is my camper covered by my car insurance policy?
  • When should I drop full coverage on my 2005 Saturn Relay?
  • Do I really need UM/UIM coverage?
  • What is the ISO rating for a 2005 Saturn Relay?
  • Do I need an umbrella policy?

If you’re not sure about those questions but one or more may apply to you, you might consider talking to an agent. To find lower rates from a local agent, complete this form or click here for a list of car insurance companies in your area. It only takes a few minutes and can help protect your family.

Parts of your insurance policy

Knowing the specifics of your policy aids in choosing which coverages you need and proper limits and deductibles. Policy terminology can be ambiguous and even agents have difficulty translating policy wording. Below you’ll find the normal coverages found on most insurance policies.

Collision coverages – This will pay to fix damage to your Relay resulting from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims like hitting a parking meter, rolling your car and scraping a guard rail. This coverage can be expensive, so analyze the benefit of dropping coverage from older vehicles. It’s also possible to choose a higher deductible to save money on collision insurance.

Liability car insurance – This can cover damage that occurs to other’s property or people that is your fault. It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show policy limits of 100/300/100 which stand for $100,000 bodily injury coverage, a total of $300,000 of bodily injury coverage per accident, and $100,000 of coverage for damaged propery.

Liability coverage pays for things such as court costs, legal defense fees, emergency aid, medical expenses and bail bonds. How much liability coverage do you need? That is a decision to put some thought into, but consider buying as large an amount as possible.

Coverage for uninsured or underinsured drivers – This coverage protects you and your vehicle when the “other guys” do not carry enough liability coverage. It can pay for injuries sustained by your vehicle’s occupants and also any damage incurred to your Saturn Relay.

Due to the fact that many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. So UM/UIM coverage should not be overlooked.

Comprehensive insurance – This coverage covers damage caused by mother nature, theft, vandalism and other events. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage protects against things like theft, vandalism and a broken windshield. The maximum amount you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Coverage for medical expenses – Coverage for medical payments and/or PIP reimburse you for short-term medical expenses such as doctor visits, surgery, pain medications and nursing services. They are often used to fill the gap from your health insurance plan or if there is no health insurance coverage. Coverage applies to all vehicle occupants and will also cover getting struck while a pedestrian. Personal Injury Protection is only offered in select states and may carry a deductible

Be a penny pincher

Affordable 2005 Saturn Relay insurance can be sourced both online and also from your neighborhood agents, so you should be comparing quotes from both in order to have the best chance of saving money. A few companies may not have the ability to get a quote online and many times these smaller providers sell through independent agencies.

You just learned a lot of information how to shop for 2005 Saturn Relay insurance online. The most important thing to understand is the more rate quotes you have, the better your chances of lowering your prices. You may even find the best premium rates are with a smaller regional carrier. They can often insure niche markets at a lower cost as compared to the big name companies such as Allstate, GEICO and Progressive.

Much more information about insurance coverage is available at these links: