Want cheaper car insurance rates for your Saturn Relay? If you are a novice to online car insurance shopping, it’s easy to be bewildered by the vast number of car insurance companies all advertising big savings.
Auto insurance is expensive, but you can get discounts that you may not even know about. Certain discounts will be applied at the time of quoting, but a few must be inquired about in order for you to get them.
One thing to note about discounts is that most credits do not apply to the entire cost. Most only reduce specific coverage prices like liability, collision or medical payments. So when the math indicates having all the discounts means you get insurance for free, you aren’t that lucky.
A list of companies and some of their more popular discounts can be found below.
Before you buy a policy, ask every insurance company which discounts can lower your rates. Some credits may not be offered everywhere. If you would like to choose from a list of providers with the best discounts, click here.
When choosing adequate coverage, there is no one size fits all plan. Everyone’s situation is unique.
Here are some questions about coverages that might point out if your situation could use an agent’s help.
If you can’t answer these questions but you know they apply to you, then you may want to think about talking to an insurance agent. If you don’t have a local agent, fill out this quick form.
Popular insurance providers such as Geico, State Farm and Progressive consistently run ads in print and on television. All the companies try to convey promises that drivers can save some big amount after switching your policy. How does every company offer drivers better rates?
Companies have specific criteria for the type of driver that will be a good risk. An example of this type of risk profile might have to be over the age of 45, has no driving citations, and drives less than 10,000 miles a year. Anybody who fits those characteristics is entitled to the best price and as a result will probably save if they switch.
Potential insureds who don’t measure up to these standards will probably have to pay a higher rate and this results in the prospect going elsewhere. The trick companies use is to say “customers that switch” not “everyone that quotes” save that much when switching. That’s why companies can truthfully make the claims of big savings.
This illustrates why you really need to do a price quote comparison at every renewal. Because without a comparison, you cannot know with any certainty which company will be your best fit.
Knowing the specifics of a insurance policy aids in choosing which coverages you need and the correct deductibles and limits. Insurance terms can be difficult to understand and coverage can change by endorsement.
Comprehensive insurance – Comprehensive insurance coverage covers damage that is not covered by collision coverage. You first have to pay a deductible and then insurance will cover the rest of the damage.
Comprehensive can pay for claims like fire damage, falling objects and a broken windshield. The maximum payout you’ll receive from a claim is the ACV or actual cash value, so if the vehicle’s value is low consider dropping full coverage.
Coverage for uninsured or underinsured drivers – This protects you and your vehicle’s occupants when other motorists either are underinsured or have no liability coverage at all. This coverage pays for injuries to you and your family and damage to your Saturn Relay.
Because many people 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 a good idea. Most of the time these coverages are identical to your policy’s liability coverage.
Coverage for liability – This provides protection from injuries or damage you cause to other’s property or people by causing an accident. Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have liability limits of 100/300/100 which stand for a $100,000 limit per person for injuries, $300,000 for the entire accident, and $100,000 of coverage for damaged propery. Occasionally you may see one limit called combined single limit (CSL) which combines the three limits into one amount and claims can be made without the split limit restrictions.
Liability coverage pays for claims like medical services, funeral expenses, court costs and attorney fees. How much liability coverage do you need? That is a decision to put some thought into, but it’s cheap coverage so purchase as much as you can afford.
Coverage for medical expenses – Personal Injury Protection (PIP) and medical payments coverage kick in for short-term medical expenses like rehabilitation expenses, pain medications, dental work, X-ray expenses and chiropractic care. They are used to fill the gap from your health insurance policy or if there is no health insurance coverage. It covers all vehicle occupants in addition to if you are hit as a while walking down the street. Personal injury protection coverage is not universally available and may carry a deductible
Collision coverage – This coverage covers damage to your Relay resulting from colliding with another vehicle or an object, but not an animal. You have to pay a deductible and then insurance will cover the remainder.
Collision can pay for things like backing into a parked car, crashing into a building and scraping a guard rail. This coverage can be expensive, so analyze the benefit of dropping coverage from lower value vehicles. Another option is to increase the deductible to bring the cost down.
When you buy auto insurance online, make sure you don’t sacrifice coverage to reduce premiums. There have been many situations where drivers have reduced collision coverage and learned later that a couple dollars of savings turned into a financial nightmare. Your strategy should be to purchase plenty of coverage at the best possible price but still have enough coverage for asset protection.
Lower-priced insurance is possible from both online companies and from local agencies, and you need to comparison shop both in order to have the best price selection to choose from. There are still a few companies who do not provide the ability to get quotes online and many times these smaller providers work with independent insurance agencies.
We just showed you some good ideas how you can shop for 2006 Saturn Relay insurance online. The key thing to remember is the more quotes you get, the better chance you’ll have of finding low cost auto insurance. Consumers could even find that the lowest car insurance rates come from a small local company.
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