2006 Saturn Relay Insurance Rates – 6 Ways to Save

Searching for better auto insurance rates for your Saturn Relay? Having to pay for overpriced Saturn Relay insurance can drain your bank account, especially in this economy. Comparison shopping is a smart way to lower your monthly bill.

Because you have many options, it can be challenging to pick the most cost effective car insurance company.

You should make it a habit to compare rates on a regular basis because rates are usually higher with each renewal. Even if you got the best price on Relay coverage a few years ago you can probably find a lower rate today. Forget anything you know (or think you know) about auto insurance because you’re about to learn the easiest way to properly buy coverages while reducing your premium.

Comprehensive Insurance Comparison Quotes

To find the best insurance prices, there are several ways to compare rate quotes from local insurance companies. The quickest method to compare 2006 Saturn Relay insurance prices is to get quotes online. It is quite easy and can be accomplished in a couple of different ways.

• The recommended way to get quotes is a comparison rater form (click to open form in new window). This type of form prevents you from having to do separate forms for each company you want a rate for. Taking the time to complete one form gets rate comparisons from insurance companies with the best prices.
• A harder way to compare prices requires visiting each company’s website and request a quote. For examples sake, we’ll pretend you want comparison quotes from Geico, Farmers and Liberty Mutual. To get each rate you have to spend time on each company’s site and enter your policy data, which is why most consumers use the first method.

  For a handy list of car insurance company links in your area, click here.

However you get your quotes, be sure to compare apples-to-apples coverages and limits with every price quote. If you use different liability limits it’s impossible to make an equal comparison. Quoting even small variations in coverage limits may result in large price differences. Keep in mind that quoting more helps you find the best rates.

Everyone needs different coverages

When it comes to choosing adequate coverage, there is no cookie cutter policy. Your needs are not the same as everyone else’s so your insurance should reflect that Here are some questions about coverages that might point out if your insurance needs would benefit from professional advice.

• What if I owe more than I can insure my car for?
• Why am I required to buy liability insurance?
• Do I have any recourse if my insurance company denies a claim?
• Are my tools covered if they get stolen from my vehicle?
• What is covered by UM/UIM coverage?
• Am I covered by my spouse’s policy after a separation?
• Where can I get insurance after a DUI in my state?
• Is other people’s property covered if stolen from my vehicle?
• Does liability extend to a camper or trailer?
• Does medical payments coverage apply to all occupants?

If it’s difficult to answer those questions but a few of them apply, you might consider talking to a licensed insurance agent. If you don’t have a local agent, simply complete this short form or you can go here for a list of companies in your area.

Insurance coverage options for a Saturn Relay

Having a good grasp of your policy can be of help when determining the right coverages at the best deductibles and correct limits. Insurance terms can be confusing and coverage can change by endorsement. Shown next are typical coverage types available from insurance companies.

Uninsured and underinsured coverage – Uninsured or Underinsured Motorist coverage provides protection from other motorists when they either are underinsured or have no liability coverage at all. Covered losses include hospital bills for your injuries as well as your vehicle’s damage.

Because many people carry very low liability coverage limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is a good idea.

Coverage for medical payments – Medical payments and Personal Injury Protection insurance reimburse you for short-term medical expenses for things like dental work, EMT expenses, prosthetic devices, nursing services and doctor visits. They are used to fill the gap from your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover both the driver and occupants and will also cover any family member struck as a pedestrian. Personal injury protection coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Collision coverage – Collision coverage pays for damage to your Relay from colliding with another car or object. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage pays for things such as colliding with a tree, hitting a parking meter, hitting a mailbox, crashing into a ditch and driving through your garage door. This coverage can be expensive, so consider removing coverage from vehicles that are older. Another option is to bump up the deductible to save money on collision insurance.

Auto liability – Liability coverage can cover injuries or damage you cause to other people or property by causing an accident. Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show policy limits of 50/100/50 which means $50,000 bodily injury coverage, a per accident bodily injury limit of $100,000, and a limit of $50,000 paid for damaged property.

Liability coverage protects against claims such as repair bills for other people’s vehicles, emergency aid, pain and suffering, legal defense fees and repair costs for stationary objects. How much coverage you buy is a personal decision, but you should buy as much as you can afford.

Comprehensive coverages – This pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims like damage from flooding, damage from getting keyed, theft and vandalism. The maximum payout a insurance company will pay at claim time is the market value of your vehicle, so if the vehicle’s value is low consider dropping full coverage.