How Much Does 2006 Saturn Relay Car Insurance Cost?

Scraping up a payment for overpriced Saturn Relay insurance can empty your savings account and force you to prioritize other expenses. Comparing price quotes is a smart way to reduce premiums and put more money in your pocket. There are many car insurance companies to pick from, and although it’s nice to be able to choose, having more auto insurance companies makes it harder to adequately compare rates.

The most recommended method to compare car insurance rates utilizes the fact most insurance companies provide online access to provide you with free rate quotes. To start a quote, the only thing you need to do is give the companies some data including the make and model of your vehicles, whether your vehicle is owned or leased, your job, and level of coverage desired. That rating data is sent automatically to many of the top insurers and you should receive rate quotes quickly.

Drivers who switch save $425 a year? Really?

Consumers constantly see and hear ads for car insurance savings from companies such as Allstate, GEICO and Progressive. All the companies have a common claim that you can save after switching your policy.

How do they all make the same claim? This is how they do it.

Insurance companies can use profiling for the type of driver that makes them money. For instance, a desirable insured could be a mature driver, is a homeowner, and drives newer vehicles. A customer getting a price quote who meets those qualifications will get the preferred rates and most likely will pay quite a bit less when switching companies.

Potential customers who don’t qualify for the “perfect” profile will be charged a higher premium which usually ends up with business not being written. The ads say “people who switch” but not “drivers who get quotes” save that much money. This is how insurance companies can state the savings.

That is why it’s extremely important to quote coverage with many companies. You cannot predict which auto insurance company will fit your personal profile best.

These discounts can lower your rates

Insuring your fleet can be pricey, but there could be available discounts that you may not know about. Some discounts apply automatically when you complete an application, but some may not be applied and must be requested specifically prior to getting the savings. If you aren’t receiving every discount you qualify for, you are throwing money away.

  • Theft Prevention System – Anti-theft and alarm systems prevent vehicle theft and therefore earn up to a 10% discount.
  • College Student – Children who are attending college and do not have access to a covered vehicle may be able to be covered for less.
  • Federal Employees – Employees or retirees of the government could cut as much as 10% off on Relay insurance with certain companies.
  • E-sign – Certain companies give back up to $50 for buying your policy on their website.
  • Pay Now and Pay Less – If paying your policy premium upfront instead of paying each month you could save up to 5%.
  • Organization Discounts – Belonging to a civic or occupational organization may earn a discount when shopping for auto insurance on Relay insurance.
  • Multiple Policy Discount – When you combine your home and auto insurance with one company you may save 10% to 20% off each policy.
  • Multi-car Discount – Insuring more than one vehicle with the same company may reduce the rate for each vehicle.
  • Driver Safety – Taking part in a driver safety course could cut 5% off your bill if you qualify.

It’s important to note that most discounts do not apply to your bottom line cost. Most only reduce individual premiums such as comprehensive or collision. Just because it seems like it’s possible to get free car insurance, companies don’t profit that way. But all discounts will help reduce the amount you have to pay.

For a list of providers offering auto insurance discounts, click here.

Different people need different coverages

When buying adequate coverage, there really is not a perfect coverage plan. Every situation is different and your policy should reflect that. Here are some questions about coverages that may help highlight whether or not you will benefit from professional help.

  • Does coverage extend to Mexico or Canada?
  • Why does it cost so much to insure a teen driver?
  • Do I need rental car coverage?
  • Is my trailer covered?
  • Are my friends covered when driving my car?
  • Which is better, split liability limits or combined limits?

If you don’t know the answers to these questions, then you may want to think about talking to a licensed agent. If you want to speak to an agent in your area, fill out this quick form or you can also visit this page to select a carrier It’s fast, free and you can get the answers you need.

Insurance coverage options for a 2006 Saturn Relay

Learning about specific coverages of a insurance policy helps when choosing appropriate coverage for your vehicles. The terms used in a policy can be impossible to understand and even agents have difficulty translating policy wording. Listed below are the usual coverages available from insurance companies.

Comprehensive or Other Than Collision

This covers damage caused by mother nature, theft, vandalism and other events. A deductible will apply then your comprehensive coverage will pay.

Comprehensive can pay for claims like damage from flooding, a tree branch falling on your vehicle, damage from getting keyed, hitting a deer and fire damage. The maximum payout your insurance company will pay is the market value of your vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Medical costs insurance

Medical payments and Personal Injury Protection insurance provide coverage for bills like nursing services, chiropractic care, ambulance fees and funeral costs. They are used in conjunction with a health insurance program or if you do not have health coverage. They cover all vehicle occupants in addition to any family member struck as a pedestrian. PIP is only offered in select states but it provides additional coverages not offered by medical payments coverage

Auto collision coverage

This coverage pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You have to pay a deductible then your collision coverage will kick in.

Collision coverage protects against things like scraping a guard rail, colliding with a tree, colliding with another moving vehicle, sideswiping another vehicle and crashing into a building. Collision is rather expensive coverage, so consider removing coverage from older vehicles. Drivers also have the option to raise the deductible to save money on collision insurance.


Liability coverage can cover damage that occurs to other people or property that is your fault. It protects YOU from legal claims by others. It does not cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show policy limits of 100/300/100 which means $100,000 bodily injury coverage, a per accident bodily injury limit of $300,000, and a limit of $100,000 paid for damaged property. Some companies may use a combined limit which provides one coverage limit without having the split limit caps.

Liability coverage pays for things like emergency aid, loss of income and bail bonds. How much liability coverage do you need? That is a decision to put some thought into, but you should buy as much as you can afford.

UM/UIM Coverage

This gives you protection when the “other guys” are uninsured or don’t have enough coverage. It can pay for injuries sustained by your vehicle’s occupants and damage to your Saturn Relay.

Because many people 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 important protection for you and your family. Frequently these coverages are similar to your liability insurance amounts.

Feed the piggy bank

When trying to cut insurance costs, you should never buy less coverage just to save a little money. There are many occasions where an insured dropped comprehensive coverage or liability limits only to discover later they didn’t purchase enough coverage. The ultimate goal is to buy the best coverage you can find for the lowest price, not the least amount of coverage.

We just covered quite a bit of information on how to compare 2006 Saturn Relay insurance prices online. The key concept to understand is the more quotes you get, the higher your chance of finding lower rates. Consumers could even find that the best price on insurance coverage is with a smaller regional carrier. They may cover specific market segments cheaper than the large multi-state companies such as Allstate and Progressive.

More tips and info about insurance coverage can be read at these sites: