Save on 2007 Saturn Relay Car Insurance Rates

Looking for lower car insurance rates for your Saturn Relay? Did budget coverage turn out to be an underperforming, overpriced car insurance policy? Don’t sweat it because there are a lot of people just like you who feel imprisoned by their car insurance policy. Since you have so many options, it can be impossible to find the cheapest insurance company.

Buying car insurance is not rocket science. If you are insured now or are looking for a new policy, you can use this information to shop for the lowest rates and possibly find even better coverage. Drivers only need an understanding of the tricks to compare price quotes online.

The method we recommend to compare car insurance rates is to understand most insurance companies participate in online systems to provide you with a free rate quote. To get started, all you need to do is spend a couple of minutes providing details such as your credit rating estimate, what your job is, if you lease or own, and whether you drive to work or school. Your details is submitted instantly to multiple companies and you will receive price estimates instantly to find the best rate.

Start a Quote Now

Car insurance companies offer many types of discounts

Not too many consumers would say car insurance is affordable, but discounts can save money and there are some available that you may not even be aware of. Many of these discounts will be applied automatically when you quote, but a few must be asked about before you get the savings.

Driver’s Education for Students – Teen drivers should take driver’s ed class in school or through a local driver safety program.
Cautious Drivers – Insureds who avoid accidents could pay up to 40% less on Relay coverage than drivers with accidents.
Low Miles Discount – Driving fewer miles could earn better rates on cars that stay parked.
Active Military Service – Having a family member in the military may qualify for rate reductions.
Multiple Vehicles – Insuring multiple cars or trucks on a single policy can get a discount on all vehicles.
Distant Student Discount – Children living away from home attending college and do not have access to a covered vehicle can be insured at a reduced rate.
Claim Free – Good drivers with no accidents have much lower rates as opposed to insureds who have frequent claims or accidents.
Multiple Policy Discount – If you can bundle your auto and homeowners insurance with the same insurance company you could save 10% to 20% off each policy.
Driver Training Discounts – Successfully completing a class that teaches defensive driver techniques could cut 5% off your bill if you qualify.

Drivers should understand that some of the credits will not apply to your bottom line cost. A few only apply to the cost of specific coverages such as comprehensive or collision. Even though it may seem like you would end up receiving a 100% discount, companies don’t profit that way.

Popular car insurance companies and a summarized list of policyholder discounts include:

State Farm may include discounts for good driver, multiple autos, student away at school, accident-free, defensive driving training, Steer Clear safe driver discount, and safe vehicle.
Nationwide offers discounts including Farm Bureau membership, multi-policy, defensive driving, family plan, easy pay, business or organization, and anti-theft.
GEICO has savings for five-year accident-free, membership and employees, driver training, anti-lock brakes, and federal employee.
AAA has discounts for anti-theft, multi-policy, pay-in-full, good student, multi-car, good driver, and education and occupation.
21st Century policyholders can earn discounts including anti-lock brakes, student driver, theft prevention, automatic seat belts, and homeowners.
The Hartford offers premium reductions for defensive driver, air bag, driver training, bundle, and anti-theft.

When getting free insurance quotes, it’s a good idea to every insurance company to apply every possible discount. Some discounts might not be available to policyholders in every state. To locate insurance companies who offer online car insurance quotes, click here to view.

Do I just need basic coverages?

When it comes to choosing the best car insurance coverage for your personal vehicles, there really is not a best way to insure your cars. Each situation is unique so your insurance needs to address that. For example, these questions can aid in determining if you may require specific advice.

Does my liability insurance cover pulling a trailer or camper?
What if I total my 2007 Saturn Relay and owe more than it’s worth?
Do I pay less if my vehicle is kept in my garage?
How do I file an SR-22 for a DUI in my state?
Exactly who is provided coverage by my policy?
Do all my vehicles need collision coverage?
How can I force my company to pay a claim?
Can I still get insurance after a DUI?
Can I pay claims out-of-pocket if I buy high deductibles?

If you don’t know the answers to these questions, then you may want to think about talking to a licensed insurance agent. To find an agent in your area, simply complete this short form or you can go here for a list of companies in your area. It is quick, free and you can get the answers you need.

Why you might pay lower rates

One of the most helpful ways to save on auto insurance is to to have a grasp of some of the elements that help determine your policy premiums. When you understand what determines base rates, this empowers consumers to make smart changes that will entitle you to big savings.

The itemized list below are some of the major factors companies use to determine your prices.

Lower auto insurance rates by staying claim free – Companies generally give cheaper rates to insureds who do not rely on their insurance for small claims. If you frequently file small claims, you can expect either policy cancellation or increased premiums. Insurance coverage is intended for major claims that would cause financial hardship.
Age of drivers – Drivers with little experience tend to be inattentive and easily distracted when at the wheel of a vehicle therefore auto insurance rates are much higher. Having to add a teen driver onto a policy can really hurt. Older people are shown to be more cautious, tend to file fewer claims and are safer drivers.
Save money by eliminating incidental coverages – There are many additional coverages that may not really be needed if you aren’t careful. Coverages for personal injury protection, accidental death, and membership fees may not be needed and are just wasting money. These coverages may sound good when deciding what coverages you need, but now you might not need them so eliminate them to save money.
Insurance rates for married couples – Getting married may cut your premiums on auto insurance. It translates into being more responsible it has been statistically shown that married couples file fewer claims.
Safety ratings are a factor – Vehicles with good safety scores can get you lower premiums. Vehicles built for safety result in less severe injuries and fewer serious injuries means less claims paid and thus lower rates. If your Saturn scored at minimum an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website you are probably receiving a discount.
Premiums can change based on your address – Choosing to live in small towns and rural areas has definite advantages when buying auto insurance. Residents of big cities tend to have more aggressive driving styles and higher rates of accident claims. Fewer people means reduced accidents in addition to lower liability claims

Does auto insurance advertising bend the truth?

Consumers can’t escape the ads that promise big savings by companies like GEICO, State Farm and Progressive. All the ads try to convey promises that people will save if you just switch your coverage to them.

How does every company have lower policy pricing?

Auto insurance companies quote their cheapest rates for the right customer that will most likely be profitable. For instance, this type of driver should be a married male, has no tickets, and has a short commute. A driver that matches those criteria will get the preferred premium rates and will save if they switch.

Consumers who may not quite match those standards will see higher premium rates which translates to the customer not purchasing. If you pay attention, the ads say “drivers that switch” not “everybody who quotes” save that much. That’s the way insurance companies can advertise the way they do. This really emphasizes why drivers should do a rate comparison at every renewal. It is just not possible to predict which insurance companies will have the best prices.

Insurance coverage options for a Saturn Relay

Knowing the specifics of your insurance policy aids in choosing which coverages you need and the correct deductibles and limits. The coverage terms in a policy can be ambiguous and coverage can change by endorsement. Shown next are the usual coverages found on the average insurance policy.

Comprehensive coverages

Comprehensive insurance coverage pays to fix your vehicle from damage from a wide range of events other than collision. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things such as damage from flooding, theft, damage from a tornado or hurricane and damage from getting keyed. The most your insurance company will pay is the ACV or actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Uninsured and underinsured coverage

This coverage gives you protection from other drivers when they either are underinsured or have no liability coverage at all. It can pay for injuries to you and your family as well as your vehicle’s damage.

Since many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Coverage for medical payments

Coverage for medical payments and/or PIP pay for bills for things like doctor visits, nursing services and ambulance fees. They can be used in conjunction with a health insurance plan or if you are not covered by health insurance. Medical payments and PIP cover you and your occupants as well as if you are hit as a while walking down the street. Personal injury protection coverage is only offered in select states and may carry a deductible

Coverage for collisions

Collision insurance pays to fix your vehicle from damage 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 things like scraping a guard rail, colliding with another moving vehicle, sustaining damage from a pot hole and hitting a mailbox. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are older. It’s also possible to bump up the deductible to get cheaper collision coverage.

Liability coverage

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

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see liability limits of 50/100/50 that means you have $50,000 bodily injury coverage, a per accident bodily injury limit of $100,000, and property damage coverage for $50,000.

Liability insurance covers claims like repair costs for stationary objects, medical services and pain and suffering. How much liability coverage do you need? That is a decision to put some thought into, but buy as much as you can afford.

Be a smart shopper

When buying insurance coverage, never reduce coverage to reduce premium. In many cases, drivers have reduced liability coverage limits and discovered at claim time they didn’t have enough coverage. Your strategy should be to purchase plenty of coverage for the lowest price.

Some insurance companies don’t offer online quoting and these small, regional companies only sell coverage through independent insurance agents. Budget-conscious 2007 Saturn Relay insurance can be sourced online in addition to many insurance agents, so you should compare both to get a complete price analysis.

More information can be found at these links:

Start a Quote Now