2006 Saturn Relay Insurance Quotes – 9 Savings Tips

Looking for lower insurance rates for your Saturn Relay? Wish you could get out of an underperforming, overpriced insurance policy? Don’t feel bad because there are a lot of people just like you who feel imprisoned by their insurance policy. Because you have many insurance providers from which to choose, it’s difficult to pick the right insurance company.

How to get car insurance quotes

Shopping for lower car insurance rates can be exhausting if you don’t understand the most efficient way. You can spend your afternoon driving to agents in your area, or you could use the internet to achieve your goal.

Many insurance companies participate in a marketplace where insurance shoppers enter their coverage request one time, and every company can give them a price for coverage. This system prevents you from having to do quote forms for each company. To find out how much you’re overpaying now click here to start a free quote.

The only drawback to using this type of form is you are unable to specify the companies to receive prices from. If you wish to select specific insurance companies to receive pricing from, we put together a list of car insurance companies in your area. Click to view list.

Take whichever approach you prefer, but be sure to compare nearly identical deductibles and coverage limits on every price quote you get. If you are comparing different deductibles it will be very difficult to find the best deal for your Saturn Relay.

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Nine discounts for affordable insurance coverage rates

Companies offering auto insurance do not list every discount in a way that’s easy to find, so here is a list a few of the more common and the harder-to-find discounts that may be available.

• Save with a New Car – Putting coverage on a new car can get you a discount compared to insuring an older model.
• Safe Driver Discount – Drivers who don’t get into accidents may save up to 50% more on Relay insurance than less cautious drivers.
• Defensive Driver Discount – Taking a course that instructs on driving safety could save 5% or more and make you a better driver.
• Pay Early and Save – If you can afford to pay the entire bill rather than paying monthly you may have a lower total premium amount.
• Anti-theft System – Cars and trucks equipped with anti-theft or alarm systems can help prevent theft and will qualify for a discount on a auto insurance quote.
• Discount for Life Insurance – Not every insurance company offers life insurance, but if they do you may earn a small discount if you purchase a life policy as well.
• Multi-Vehicle Discounts – Buying a policy with multiple cars on one policy can get a discount for every vehicle.
• Student Discounts – This discount can earn a discount of 20% or more. This discount can apply up until you turn 25.
• Telematics Data – Insureds who allow driving data collection to spy on their driving habits through the use of a telematics system like Allstate’s Drivewise could save a few bucks if they are good drivers.

A little note about advertised discounts, many deductions do not apply the the whole policy. Most only reduce the price of certain insurance coverages like liability, collision or medical payments. So even though it sounds like all the discounts add up to a free policy, it’s just not the way it works. Any amount of discount will help reduce your policy premiums.

Some companies that may offer many of the previously listed discounts include:

• Geico
• Mercury Insurance
• Farmers Insurance
• Auto-Owners Insurance
• Liberty Mutual
• SAFECO
• Progressive
• USAA

Before buying, ask each company or agent what discounts are available to you. Some credits might not be offered everywhere.

Tailor your insurance coverage to you

When buying the right insurance coverage, there is no perfect coverage plan. Coverage needs to be tailored to your specific needs and your policy should reflect that. Here are some questions about coverages that might help in determining if your situation may require specific advice.

• Which is better, split liability limits or combined limits?
• Do I pay less for low miles?
• Do I have coverage for damage caused while driving under the influence?
• Will my vehicle be repaired with OEM or aftermarket parts?
• What is the minimum liability in my state?
• When should I remove comp and collision on my 2006 Saturn Relay?
• I have health insurance so do I need medical payments coverage?

If you’re not sure about those questions, you may need to chat with an insurance agent. If you want to speak to an agent in your area, complete this form or go to this page to view a list of companies. It only takes a few minutes and can provide invaluable advice.

Insurance coverages 101

Knowing the specifics of insurance can help you determine which coverages you need and the correct deductibles and limits. Insurance terms can be confusing and reading a policy is terribly boring. Below you’ll find the usual coverages found on the average insurance policy.

Collision protection

Collision insurance will pay to fix damage to your Relay caused by collision with another car or object. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims such as crashing into a building, crashing into a ditch, hitting a parking meter, damaging your car on a curb and sustaining damage from a pot hole. Collision coverage makes up a good portion of your premium, so consider dropping it from lower value vehicles. Another option is to bump up the deductible in order to get cheaper collision rates.

Comprehensive insurance

Comprehensive insurance coverage covers damage OTHER than collision with another vehicle or object. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things such as vandalism, a tree branch falling on your vehicle, fire damage, hail damage and damage from a tornado or hurricane. The highest amount you’ll receive from a claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Auto liability

This protects you from damage that occurs to other people or property that is your fault. Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. As an example, you may have limits of 50/100/50 that means you have a limit of $50,000 per injured person, a total of $100,000 of bodily injury coverage per accident, and $50,000 of coverage for damaged propery. Alternatively, you may have a combined limit which provides one coverage limit without having the split limit caps.

Liability can pay for things like court costs, legal defense fees and emergency aid. How much coverage you buy is a decision to put some thought into, but buy higher limits if possible.

Coverage for uninsured or underinsured drivers

This gives you protection from other drivers when they are uninsured or don’t have enough coverage. It can pay for injuries sustained by your vehicle’s occupants and also any damage incurred to your Saturn Relay.

Since a lot of drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is important protection for you and your family. Normally these coverages are identical to your policy’s liability coverage.

Coverage for medical expenses

Coverage for medical payments and/or PIP pay for bills such as X-ray expenses, EMT expenses, prosthetic devices, chiropractic care and ambulance fees. They are often used to cover expenses not covered by your health insurance plan or if you do not have health coverage. Medical payments and PIP cover all vehicle occupants and will also cover being hit by a car walking across the street. Personal Injury Protection is not an option in every state and may carry a deductible

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Never pay more for less

Lower-priced 2006 Saturn Relay insurance is available online in addition to many insurance agents, so get free auto insurance quotes from both of them to have the best chance of lowering rates. A few companies do not provide online price quotes and many times these regional insurance providers prefer to sell through local independent agents.

In this article, we presented many ideas to save on 2006 Saturn Relay insurance. The key thing to remember is the more rate quotes you have, the higher your chance of finding the cheapest auto insurance. Consumers could even find that the lowest priced auto insurance comes from some of the smallest insurance companies. Smaller companies can often provide lower car insurance rates in certain areas than their larger competitors like State Farm or Progressive.

While you’re price shopping online, make sure you don’t buy lower coverage limits just to save a few bucks. In many instances, someone dropped uninsured motorist or liability limits only to find out that the savings was not a smart move. Your goal should be to buy the best coverage you can find at the best cost while not skimping on critical coverages.

Additional information is located on the following sites:

• Auto Insurance for Teen Drivers (Insurance Information Insitute)
• Winter Driving (Insurance Information Insitute)
• State Laws for Cellphones and Texting (iihs.org)
• Safety Features for Your New Car (State Farm)

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