2006 Saturn Relay Insurance Quotes – 10 Savings Tips

Finding better insurance prices for a new or used Saturn Relay could be a painful process, but you can use a few tricks to save time.

There is a better way to compare auto insurance rates and we’ll show you the absolute fastest way to get price quotes for a new or used Saturn and locate the lowest price from local insurance agents and online providers.

It’s smart to shop coverage around yearly due to the fact that insurance prices are constantly changing. Just because you had the best deal for Relay insurance two years ago there may be better deals available now. You can find a lot of wrong information about auto insurance on the internet, but we’re going to give you the easiest ways to slash your auto insurance rates.

Lower rates by qualifying for these ten discounts

Insurance can cost an arm and a leg, but you might find some hidden discounts to reduce the price significantly. Larger premium reductions will be automatically applied when you purchase, but some need to be requested specifically before being credited.

• Passive Restraints – Vehicles equipped with air bags may get savings of 20 to 30 percent.
• Multiple Vehicles – Purchasing coverage when you have multiple vehicles on a single policy could earn a price break for each car.
• Smart Student Discounts – Getting good grades can earn a discount of 20% or more. The discount lasts up to age 25.
• Student in College – Youth drivers living away from home attending college and do not have a car can be insured at a reduced rate.
• Active Military Service – Being deployed in the military could mean lower car insurance rates.
• Theft Deterent – Cars, trucks, and SUVs equipped with tracking devices and advanced anti-theft systems are stolen with less frequency so companies will give you a small discount.
• ABS Brakes – Vehicles with ABS and/or traction control prevent accidents and the ABS can save up to 10%.
• Buy New and Save – Buying a new car instead of a used car can save up to 30% because new vehicles have to meet stringent safety requirements.
• Student Discount for Driver Training – Require your teen driver to successfully complete driver’s ed class in high school.
• Discount for Low Mileage – Driving fewer miles could qualify for cheaper car insurancerates.

Discounts save money, but please remember that most of the big mark downs will not be given to the entire policy premium. Most only cut the price of certain insurance coverages like collision or personal injury protection. Just because you may think having all the discounts means you get insurance for free, companies don’t profit that way.

A few of the larger companies and some of their more popular discounts can be found below.

• Progressive offers discounts including online signing, multi-policy, online quote discount, continuous coverage, homeowner, and good student.
• MetLife may have discounts that include good driver, claim-free, defensive driver, accident-free, good student, and multi-policy.
• Mercury Insurance offers discounts for age of vehicle, location of vehicle, good student, multi-car, annual mileage, and ease of repair.
• Nationwide discounts include defensive driving, family plan, good student, easy pay, multi-policy, and accident-free.
• Geico has savings for air bags, defensive driver, anti-theft, daytime running lights, and multi-policy.
• AAA has discounts for pay-in-full, good driver, anti-theft, good student, and multi-policy.

When getting free auto insurance quotes, it’s a good idea to each insurance company which discounts they offer. Discounts may not apply everywhere. To see car insurance companies that offer discounts, click here to view.

Insurance coverage is unique, just like you

When choosing adequate coverage, there isn’t really a “best” method to buy coverage. Coverage needs to be tailored to your specific needs.

Here are some questions about coverages that may help you determine if your situation could use an agent’s help.

• Should I buy full coverage?
• When should I buy a commercial auto policy?
• Am I covered if I hit my neighbor’s mailbox?
• Do I need more liability coverage?
• Do I need rental car coverage?
• What exactly is covered by my policy?
• Where can I find DUI or SR-22 insurance?
• Do I need replacement cost coverage on my 2006 Saturn Relay?
• How do I buy GAP insurance?
• Should I carry comprehensive and collision coverage?

If you don’t know the answers to these questions but you know they apply to you, you may need to chat with a licensed insurance agent. If you don’t have a local agent, take a second and complete this form. It’s fast, doesn’t cost anything and you can get the answers you need.

Insurance coverages explained

Learning about specific coverages of a insurance policy can be of help when determining the best coverages at the best deductibles and correct limits. The terms used in a policy can be confusing and even agents have difficulty translating policy wording.

Collision protection

Collision insurance pays for damage to your Relay resulting from a collision with another car or object. A deductible applies then your collision coverage will kick in.

Collision coverage protects against claims such as colliding with a tree, sideswiping another vehicle, damaging your car on a curb, hitting a mailbox and crashing into a building. Collision is rather expensive coverage, so consider removing coverage from older vehicles. You can also increase the deductible to get cheaper collision coverage.

Comprehensive (Other than Collision)

Comprehensive insurance coverage covers damage OTHER than collision with another vehicle or object. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims like damage from getting keyed, a broken windshield and fire damage. The highest amount you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Coverage for liability

This coverage will cover damages or injuries you inflict on people or other property that is your fault. Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have limits of 25/50/25 that translate to $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and property damage coverage for $25,000. Another option is a combined single limit or CSL which limits claims to one amount rather than limiting it on a per person basis.

Liability insurance covers things like legal defense fees, funeral expenses and structural damage. The amount of liability coverage you purchase is a decision to put some thought into, but it’s cheap coverage so purchase as large an amount as possible.

Medical expense insurance

Medical payments and Personal Injury Protection insurance provide coverage for immediate expenses for rehabilitation expenses, prosthetic devices, dental work and nursing services. They are used to cover expenses not covered by your health insurance program or if you do not have health coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants and also covers getting struck while a pedestrian. Personal injury protection coverage is not an option in every state and gives slightly broader coverage than med pay

Protection from uninsured/underinsured drivers

This provides protection when the “other guys” are uninsured or don’t have enough coverage. It can pay for medical payments for you and your occupants and damage to your Saturn Relay.

Due to the fact that many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. For this reason, having high UM/UIM coverages is a good idea. Most of the time these limits are set the same as your liablity limits.

Power to the consumer

Insureds change insurance companies for a variety of reasons including policy cancellation, extreme rates for teen drivers, lack of trust in their agent or being labeled a high risk driver. It doesn’t matter what your reason, finding a new company can be easier than you think.

As you go through the steps to switch your coverage, make sure you don’t buy poor coverage just to save money. There are too many instances where someone dropped comprehensive coverage or liability limits only to discover later that the few dollars in savings costed them thousands. Your objective should be to find the BEST coverage at a price you can afford while still protecting your assets.

We just presented some good ideas how to shop for 2006 Saturn Relay insurance online. The key concept to understand is the more providers you compare, the better your chances of lowering your car insurance rates. You may even discover the lowest rates come from an unexpected company.

To read more, feel free to visit the resources below:

• Liability Insurance Coverage (Nationwide)
• Medical Payments Coverage (Liberty Mutual)
• Teen Driving Statistics (iihs.org)
• Understanding Your Insurance Deductible (Insurance Information Insitute)
• Child Safety FAQ (iihs.org)