2005 Saturn Relay Insurance Rates

Nobody I know looks forward to paying for auto insurance, in particular when their premiums are through the roof.

Since consumers have many options, it’s nearly impossible to locate the lowest price insurer.

Consumers should take time to get comparison quotes on a regular basis since rates fluctuate regularly. If you had the lowest price for Relay coverage last year there is a good chance you can find better rates now. Forget all the misinformation about auto insurance because we’re going to demonstrate the quickest way to find the best coverage while lowering your premiums.

Finding cheaper protection is easy if you know what you’re doing. In a nutshell, every driver who carries insurance coverage most likely will be able to lower their premiums. But car owners must know how insurance companies market insurance on the web.

Companies offer discounts so take them!

Insurance can cost an arm and a leg, but there are discounts available that can drop the cost substantially. Some discounts apply automatically at the time of quoting, but a few must be specifically requested prior to getting the savings.

• Homeowners Discount – Owning a home can help you save on auto insurance because of the fact that having a home is proof that your finances are in order.
• Military Rewards – Having a family member in the military may qualify for rate reductions.
• Multi-policy Discount – When you combine your home and auto insurance with the same company you may earn 10% to 20% off each policy.
• Seat Belt Usage – Requiring all passengers to use a seat belt could save 15% off the personal injury premium cost.
• Sign Early and Save – Some companies give discounts for signing up prior to your current policy expiring. It can save you around 10%.
• Employee of Federal Government – Employees or retirees of the government may qualify you for a discount for Relay coverage with certain companies.
• Multiple Vehicles – Having multiple vehicles on one policy could earn a price break for each car.
• Safety Course Discount – Taking part in a defensive driving course can save you 5% or more and easily recoup the cost of the course.

Consumers should know that most discounts do not apply to the entire policy premium. The majority will only reduce individual premiums such as collision or personal injury protection. So even though it sounds like all those discounts means the company will pay you, companies don’t profit that way. Any qualifying discounts will bring down the amount you have to pay.

For a list of providers with the best auto insurance discounts, click this link.

Car Insurance Prices

There are several ways to compare quotes and find the best price. The easiest way by far to compare 2005 Saturn Relay insurance prices is to use the internet to compare rates. This can be accomplished using a couple different methods.

1. The fastest way consumers can make multiple comparisons is to use a rate comparison form click here to open form in new window. This type of form prevents you from having to do separate quotation requests to each individual car insurance company. One form submission will get you rate comparisons direct from many companies.
2. A different way to find lower rates requires a visit to each individual company website to complete their respective quote request forms. For sake of this example, we’ll assume you want to compare Auto-Owners, Progressive and Allstate. To find out each rate you need to spend time on each company’s site to enter your coverage information, and that’s why the first method is more popular. For a list of links to companies insuring cars in your area, click here.

It doesn’t matter which method you choose, just double check that you are using the exact same coverage limits and deductibles for every company. If your comparisons have differing limits it will be impossible to truly determine the lowest rate. Quoting even small variations in coverages may cause a big price difference. And when price shopping your coverage, comparing a large number of companies will increase your chances of finding the best rates.

Saturn Relay insurance premiums are calculated by many factors

It’s important that you understand the factors that help determine the rates you pay for car insurance. When you know what positively or negatively determines base rates empowers consumers to make smart changes that may reward you with better car insurance rates.

• Tickets mean higher rates – Your driving record has a huge affect on how much you pay. Drivers who don’t get tickets receive lower rates than their less careful counterparts. Even a single speeding ticket can bump up the cost by twenty percent. Drivers who get dangerous violations such as DUI or reckless driving may be required to submit a SR-22 form with their state motor vehicle department in order to prevent a license revocation.
• Keep rates low by being claim-free – Companies provide cheaper rates to drivers who are claim-free. If you file claims often, you can expect either a policy non-renewal or much higher rates. Auto insurance is designed for the large, substantial claims.
• Marriage pays dividends – Having a spouse can get you a discount on your policy. It usually means you are more mature than a single person and statistics show drivers who are married are more cautious.
• Liability coverage is peace of mind – Liability coverage will protect you if ever you are found liable for personal injury or accident damage. Liability provides legal defense coverage starting from day one. This coverage is very inexpensive when compared with rates for comp and collision, so buy as much as you can afford.
• Men fork out a little more – The statistics show that men are more aggressive behind the wheel. That doesn’t necessarily mean that women are BETTER drivers than men. They both tend to get into accidents at about the same rate, but the men cause more damage. Men also statistically have more aggressive citations such as reckless driving. Youthful male drivers tend to get in the most accidents and therefore have the most expensive car insurance rates.
• Increase deductibles and save – Physical damage coverage, also known as collision and other-than-collision, is used to repair damage to your Saturn. A few examples of covered claims are colliding with a building, collision with an animal, and windstorm damage. Your deductibles are how much you are willing to pay in the event of a claim. The more expense you have to pay, the lower your rates will be for Relay coverage.
• Your location affects your rates – Living in small towns and rural areas has it’s advantages when it comes to car insurance. Urban drivers have to deal with congested traffic and longer commutes to work. Fewer drivers translates into fewer accidents and a lower car theft rate.

Do I just need basic coverages?

When choosing proper insurance coverage for your vehicles, there really is no cookie cutter policy. Every situation is different so this has to be addressed. These are some specific questions might help in determining if your situation may require specific advice.

• Do I have coverage when pulling a U-Haul trailer?
• Does my insurance cover a custom paint job?
• Should I put collision coverage on all my vehicles?
• What are the financial responsibility laws in my state?
• Which companies will insure high-risk drivers?
• Is extra glass coverage worth it?
• Am I covered if I hit a deer?

If it’s difficult to answer those questions but you know they apply to you, then you may want to think about talking to an insurance agent. If you want to speak to an agent in your area, take a second and complete this form or go to this page to view a list of companies.

Auto insurance myths debunked

Companies like State Farm, Allstate and GEICO continually stream ads in print and on television. All the ads say the same thing about savings after switching to them. But how can every company say the same thing?

All companies can use profiling for the driver that is profitable for them. For example, a preferred risk could possibly be between the ages of 30 and 50, insures multiple vehicles, and has a high credit rating. A customer getting a price quote who matches those parameters is entitled to the best price and as a result will probably save quite a bit of money when switching.

Consumers who don’t meet this ideal profile will have to pay higher prices and this can result in the customer not buying. Company advertisements say “drivers who switch” not “everyone that quotes” save that much money. That is how insurance companies can confidently advertise the savings.

Because of the profiling, you should get a wide range of price quotes. It’s not possible to predict which auto insurance company will provide you with the cheapest Saturn Relay insurance rates.

Auto insurance specifics

Having a good grasp of your policy aids in choosing which coverages you need and the correct deductibles and limits. The terms used in a policy can be impossible to understand and even agents have difficulty translating policy wording. Listed below are typical coverage types found on most auto insurance policies.

Auto liability insurance – Liability insurance protects you from injuries or damage you cause to other people or property by causing an accident. It protects you against claims from other people. It does not cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have limits of 50/100/50 that means you have $50,000 bodily injury coverage, $100,000 for the entire accident, and property damage coverage for $50,000. Alternatively, you may have one limit called combined single limit (CSL) which combines the three limits into one amount with no separate limits for injury or property damage.

Liability coverage pays for claims such as medical services, funeral expenses, repair bills for other people’s vehicles and loss of income. The amount of liability coverage you purchase is up to you, but it’s cheap coverage so purchase as much as you can afford.

Medical expense coverage – Coverage for medical payments and/or PIP provide coverage for immediate expenses for doctor visits, chiropractic care, ambulance fees and dental work. They can be used to cover expenses not covered by your health insurance plan or if you do not have health coverage. Coverage applies to both the driver and occupants in addition to getting struck while a pedestrian. PIP is not universally available and may carry a deductible

Comprehensive protection – This covers damage that is not covered by collision coverage. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive can pay for things like hitting a deer, a broken windshield, vandalism, theft and fire damage. The maximum amount you can receive from a comprehensive claim is the cash value of the vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Uninsured or underinsured coverage – Uninsured or Underinsured Motorist coverage gives you protection when the “other guys” do not carry enough liability coverage. This coverage pays for hospital bills for your injuries as well as damage to your 2005 Saturn Relay.

Since a lot of drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is important protection for you and your family. Usually these coverages are set the same as your liablity limits.

Collision coverages – Collision coverage covers damage to your Relay resulting from colliding with an object or car. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers claims like hitting a mailbox, hitting a parking meter, sustaining damage from a pot hole, scraping a guard rail and driving through your garage door. Paying for collision coverage can be pricey, so consider removing coverage from lower value vehicles. You can also raise the deductible to save money on collision insurance.

Online plus local equals savings

We’ve covered quite a bit of information on how to compare 2005 Saturn Relay insurance prices online. It’s most important to understand that the more price quotes you have, the more likely it is that you will get a better rate. You may even discover the best price on insurance coverage is with a small local company. These smaller insurers may cover specific market segments cheaper compared to the large companies like State Farm or Progressive.

Discount insurance is definitely available from both online companies as well as from independent agents, and you need to price shop both to have the best selection. Some insurance providers don’t offer you the ability to get quotes online and many times these small, regional companies only sell through independent insurance agents.

To read more, link through to these articles:

• Credit Impacts Car Insurance Rates (State Farm)
• What if I Can’t Find Coverage? (Insurance Information Insitute)
• Understanding Rental Car Insurance (Insurance Information Insitute)
• Vehicle Size and Weight FAQ (iihs.org)
• Bodily Injury Coverage (Liberty Mutual)
• Distracted Driving Extends Beyond Texting (State Farm)

Use our FREE quote tool to compare rates now!