2005 Saturn Relay Car Insurance Quotes

Searching for cheaper insurance rates for your Saturn Relay? Comparing insurance rates online can be difficult if you have never used online rate quotes. But relax because it’s actually quite easy.

Automobile Insurance Quotes

There are several ways of comparing price quotes and find the best price. The best way to find the cheapest 2005 Saturn Relay insurance rates is to use the internet to compare rates. This can be done in just a few minutes using one of these methods.

  1. One of the best ways consumers can make multiple comparisons would be an industry-wide quote request form like this one (opens in new window). This method eliminates the need for multiple quote forms to each individual insurance coverage company. A single form will get you price quotes from multiple low-cost companies. It’s the fastest way to compare.
  2. A more time consuming way to find lower rates consists of visiting each individual company website and fill out their own quote form. For instance, let’s say you want to compare Allstate, Progressive and American Family. To get rate quotes you would need to visit each site and enter your information, which is why the first method is more popular.

    To view a list of companies in your area, click here.

However you get your quotes, make absolute certain that you use apples-to-apples quote information for every company. If the quotes have different limits and deductibles on each one it’s impossible to make a fair comparison for your Saturn Relay. Slightly different coverage limits may cause a big price difference. And when price shopping your coverage, quoting more will improve the odds of getting the best rates.

How to save on Saturn Relay insurance

Companies don’t always publicize every discount very clearly, so we break down both the well known and also the lesser-known ways to save on insurance coverage.

  • Discounts for Safe Drivers – Insureds without accidents may save up to 50% more for Relay insurance than less cautious drivers.
  • Passive Restraint Discount – Vehicles equipped with air bags may earn rate discounts of up to 25% or more.
  • Defensive Driver – Taking part in a course teaching defensive driving skills could cut 5% off your bill depending on where you live.
  • Driver’s Ed – Make teen driver coverage more affordable by requiring them to take driver’s ed class in high school.
  • Own a Home – Owning a house can help you save on insurance coverage because of the fact that having a home demonstrates responsibility.
  • Life Insurance Discount – Companies who offer life insurance give better rates if you take out life insurance.

Drivers should understand that most discounts do not apply to all coverage premiums. Most cut specific coverage prices like comp or med pay. So despite the fact that it appears you could get a free insurance coverage policy, you won’t be that lucky.

A partial list of companies that may offer these money-saving discounts are:

Check with each company what discounts are available to you. Some discounts may not apply in your area.

Tailor your coverage to you

When buying the right insurance coverage for your personal vehicles, there isn’t really a perfect coverage plan. Coverage needs to be tailored to your specific needs.

For example, these questions may help highlight if your insurance needs would benefit from an agent’s advice.

  • What is the ISO rating for a 2005 Saturn Relay?
  • Should I waive the damage coverage when renting a car?
  • Is extra glass coverage worth it?
  • Does insurance cover damages from a DUI accident?
  • Does having multiple vehicles earn me a discount?
  • Do I have coverage when making deliveries for my home business?
  • Am I covered if I hit a deer?
  • Are split liability limits better than a combined single limit?

If it’s difficult to answer those questions but you think they might apply to your situation, you may need to chat with an agent. To find an agent in your area, simply complete this short form.

Insurance coverage considerations

Having a good grasp of your policy can be of help when determining which coverages you need and proper limits and deductibles. The terms used in a policy can be impossible to understand and even agents have difficulty translating policy wording.

Comprehensive insurance

This pays for damage OTHER than collision with another vehicle or object. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things such as theft, rock chips in glass, a tree branch falling on your vehicle and fire damage. The highest amount a insurance company will pay at claim time is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Coverage for medical expenses

Personal Injury Protection (PIP) and medical payments coverage reimburse you for bills for chiropractic care, funeral costs, X-ray expenses and hospital visits. The coverages can be used in conjunction with a health insurance program or if you are not covered by health insurance. Coverage applies to all vehicle occupants in addition to being hit by a car walking across the street. Personal injury protection coverage is only offered in select states but can be used in place of medical payments coverage


Liability insurance can cover damages or injuries you inflict on people or other property that is your fault. It protects you against claims from other people, and does not provide coverage for your injuries or vehicle damage.

Coverage consists of three different 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 100/300/100 which means a $100,000 limit per person for injuries, a per accident bodily injury limit of $300,000, and property damage coverage for $100,000.

Liability coverage pays for things such as pain and suffering, medical expenses, medical services, court costs and repair costs for stationary objects. The amount of liability coverage you purchase is your choice, but it’s cheap coverage so purchase higher limits if possible.

Collision insurance

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

Collision coverage pays for claims like crashing into a ditch, crashing into a building, colliding with a tree and colliding with another moving vehicle. Paying for collision coverage can be pricey, so you might think about dropping it from lower value vehicles. Another option is to increase the deductible to get cheaper collision coverage.

Coverage for uninsured or underinsured drivers

This protects you and your vehicle from other drivers when they either have no liability insurance or not enough. This coverage pays for hospital bills for your injuries and also any damage incurred to your Saturn Relay.

Since many drivers have only the minimum liability required by law, their limits can quickly be used up. This is the reason having UM/UIM coverage should not be overlooked.