Compare 2006 Saturn Relay Insurance Rates

Searching for the cheapest insurance for your Saturn Relay could be a painful process, but you can use a few tricks to find lower rates. There is a better way to shop for insurance coverage so we’re going to tell you the quickest way to price shop coverage for a new or used Saturn and find the lowest possible price from local insurance agents and online providers.

It’s a good idea to price shop coverage quite often because prices are variable and change quite frequently. Just because you had the lowest quotes for Relay coverage a couple years back you may be paying too much now. Forget all the misinformation about insurance coverage because we’re going to demonstrate how to use online quotes to lower your rates without sacrificing coverage.

Four things that influence your insurance rates

Many things are part of the equation when premium rates are determined. A few of the factors are predictable like a motor vehicle report, but some are more obscure like your continuous coverage and annual miles driven.One of the most helpful ways to save on insurance is to to have a grasp of some of the elements that play a part in calculating the price you pay for insurance. If you understand what determines premiums, this empowers consumers to make smart changes that may reward you with lower premium levels.

  • Avoid traffic tickets – Your driving citation history has a big impact on rates. Even a single ticket can bump up the cost by twenty percent. Attentive drivers pay less for auto insurance compared to bad drivers. Drivers who have license-revoking tickets like DUI or reckless driving may need to maintain a SR-22 with their state DMV in order to prevent a license revocation.
  • Never allow your insurance to lapse – Allowing your insurance policy to lapse can be a guaranteed way to increase your rates. In addition to paying higher premiums, not being able to provide proof of insurance will get you a steep fine or even jail time. You will then be forced to file a SR-22 with your state motor vehicle department.
  • Too many claims will drive insurance rates up – If you are the type of insured that files lots of claims you can expect increased rates or even have your policy non-renewed. Insurance companies provide the best rates to insureds who file claims infrequently. Auto insurance is designed for the large, substantial claims.
  • With age comes responsibility – Older insureds are shown to be more cautious, are lower risk to insure and tend to be get fewer driving tickets.Teenage drivers are known to get distracted easily in a vehicle and because of this, their insurance rates are much higher.

Are you qualifying for every discount?

Auto insurance companies don’t always publicize all possible discounts very well, so below is a list some of the more common and also the lesser-known credits available to you.

  • Active Military Service – Being deployed with a military unit can result in better rates.
  • Pay Upfront and Save – If you pay your entire premium ahead of time instead of making monthly payments you may reduce your total bill.
  • ABS and Traction Control Discounts – Cars and trucks that have anti-lock braking systems have fewer accidents so you can save 10 percent or more.
  • Passive Restraints – Vehicles equipped with air bags or motorized seat belts may get savings as much as 30%.
  • Multiple Cars – Buying a policy with more than one vehicle with the same company can reduce rates for all insured vehicles.
  • Organization Discounts – Having an affiliation with a qualifying organization can get you a small discount when shopping for insurance.

A little disclaimer on discounts, some credits don’t apply to the entire policy premium. Most only reduce the cost of specific coverages such as collision or personal injury protection. Despite the appearance that all the discounts add up to a free policy, that’s just not realistic.

Some of the insurance companies that may offer most of the discounts above include:

If you are trying to find affordable auto insurance quotes, ask each insurance company which credits you are entitled to. Discounts may not apply to policies in your state. To choose providers with the best discounts, click this link.

Save $449 a year! What?

Consumers can’t ignore all the ads that promise big savings from the likes of Allstate, GEICO and Progressive. They all make the same claim about saving some big amount if you change your auto insurance policy to them.

How does each company make the same claim?

Most companies quote their best rates for the type of customer that will be a good risk. An example of a profitable risk profile may be over the age of 40, has no tickets, and drives less than 7,500 miles a year. Any driver who matches that profile will qualify for the lowest prices and will save when switching.

Potential customers who fall outside these stringent criteria must pay higher premiums and this results in business not being written. The wording the ads use say “customers who switch” not “everyone who quotes” save money. That’s the way companies can make it sound like they have such great car insurance rates. This really drives home the point why it is so important to get as many free auto insurance quotes as possible. It’s not possible to predict which insurance companies will fit you best based on your risk profile.

When in doubt talk to an agent

When buying adequate coverage, there isn’t really a cookie cutter policy. Your needs are not the same as everyone else’s.

For instance, these questions might help in determining whether your personal situation may require specific advice.

  • Should I put collision coverage on all my vehicles?
  • Does my medical payments coverage pay my health insurance deductible?
  • Am I covered if I break a side mirror?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • How much liability do I need to cover my assets?
  • What exactly is covered by my policy?
  • What happens if I owe more than my 2006 Saturn Relay is worth?

If it’s difficult to answer those questions then you might want to talk to an agent. To find an agent in your area, complete this form. It’s fast, free and you can get the answers you need.

Insurance coverages 101

Knowing the specifics of your policy can be of help when determining which coverages you need and proper limits and deductibles. Policy terminology can be difficult to understand and nobody wants to actually read their policy.

Comprehensive or Other Than Collision

Comprehensive insurance pays to fix your vehicle from damage from a wide range of events other than collision. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive can pay for things like damage from a tornado or hurricane, hitting a bird and hitting a deer. The highest amount you’ll receive from a claim is the market value of your vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

UM/UIM Coverage

Uninsured or Underinsured Motorist coverage provides protection from other drivers when they either are underinsured or have no liability coverage at all. This coverage pays for hospital bills for your injuries as well as damage to your Saturn Relay.

Since many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is a good idea.

Auto liability

Liability coverage provides protection from injuries or damage you cause to other people or property in an accident. It protects you against other people’s claims, and doesn’t cover damage sustained by your vehicle in an accident.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have policy limits of 100/300/100 that translate to a limit of $100,000 per injured person, a per accident bodily injury limit of $300,000, and a limit of $100,000 paid for damaged property.

Liability insurance covers things like structural damage, repair bills for other people’s vehicles, attorney fees, legal defense fees and medical expenses. How much liability coverage do you need? That is up to you, but it’s cheap coverage so purchase as large an amount as possible.

Collision coverage protection

This pays to fix your vehicle from damage caused by collision with another vehicle or an object, but not an animal. You will need to pay your deductible and then insurance will cover the remainder.

Collision insurance covers things like hitting a parking meter, sideswiping another vehicle and colliding with another moving vehicle. Collision coverage makes up a good portion of your premium, so consider removing coverage from older vehicles. You can also increase the deductible to bring the cost down.

Medical costs insurance

Personal Injury Protection (PIP) and medical payments coverage kick in for expenses for chiropractic care, X-ray expenses, doctor visits and nursing services. They can be used to cover expenses not covered by your health insurance plan or if there is no health insurance coverage. They cover all vehicle occupants as well as if you are hit as a while walking down the street. PIP coverage is only offered in select states and gives slightly broader coverage than med pay

Best coverage at the best price

We just covered some good ideas how to get a better price on 2006 Saturn Relay insurance. The key thing to remember is the more rate quotes you have, the better likelihood of getting the cheapest auto insurance. You may even discover the lowest priced insurance coverage comes from some of the lesser-known companies.

When searching for cheap auto insurance quotes, it’s a bad idea to skimp on coverage in order to save money. There are many occasions where someone sacrificed physical damage coverage only to find out they didn’t purchase enough coverage. The ultimate goal is to get the best coverage possible at the best price, but do not skimp to save money.

Consumers switch companies for a number of reasons such as being labeled a high risk driver, policy cancellation, lack of trust in their agent and even poor customer service. Regardless of your reason, switching insurance coverage companies is easier than you think.

Much more information about insurance coverage can be found at these links: