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Saturn Relay Insurance Rates

Drivers have lots of options when insurance shopping for your Saturn vehicle. You can buy from a local agent or go online to check prices from many different auto insurance companies. Comparing auto insurance through online rate quotes can be fast and easy, plus you might just save a little.

If you've never shopped for auto insurance online, you may be overwhelmed by the hoards of auto insurance companies vying for your business. Cutting your Relay insurance cost can be surprisingly simple. Drivers just need to take a couple of minutes to get quotes provided by online insurance companies. This can be done by completing this short form.

Rates are determined by the following

Auto insurance rates for a Saturn Relay can fluctuate considerably depending on several factors. Including but not limited to:

  • Higher performance Relay vehicles cost more
  • Accidents raise premiums
  • Home and auto can earn discounts
  • Use of your vehicle
  • Your birth date
  • Having a spouse can save money
  • Add-on coverages such as rental reimbursement
  • Claims drive up premiums
  • No coverage lapses saves money
  • Home ownership saves money

A final factor that can impact Relay insurance rates is the model year. New vehicles have a higher value in comparison to later models so the cost to replace them may result in higher rates. Conversely, newer vehicles may have a trim level with safety features such as an advanced theft deterrent system, traction control, lane departure warning system, and dual-stage airbags which may give discounted rates.

To get a better idea how much rates will be for your vehicle, select the year of your Relay from the list below.

Auto liability - This coverage can cover damage or injury you incur to other people or property. Liability can pay for claims like pain and suffering, repair costs for stationary objects, and legal defense fees. Coverage is generally pretty cheap so consider buying as high a limit as you can afford.

Collision - This coverage covers damage to your Saturn caused by collision with a stationary object or other vehicle. A deductible applies then your collision coverage will kick in. Relay collision insurance is rather expensive coverage, so you might think about dropping it from vehicles that are older. It's also possible to bump up the deductible to bring the cost down.

Comprehensive auto coverage - Comprehensive insurance pays to fix your vehicle from damage from a wide range of events other than collision. A deductible will apply and the remainder of the damage will be paid by your Saturn Relay comprehensive insurance. The most your auto insurance company will pay is the ACV or actual cash value, so if the vehicle's value is low it's probably time to drop comprehensive insurance.

UM/UIM Coverage - Uninsured or Underinsured Motorist coverage protects you and your vehicle from other drivers when they either are underinsured or have no liability coverage at all. Because many people have only the minimum liability required by law, their limits can quickly be used up. So UM/UIM coverage is a good idea.

Medical payments and PIP coverage - Coverage for medical payments and/or PIP pay for immediate expenses (i.e. EMT expenses, pain medications, and nursing services). They are used to fill the gap from your health insurance program or if you do not have health coverage. Personal Injury Protection is not an option in every state but it provides additional coverages not offered by medical payments coverage.

How Much are Saturn Relay Insurance Rates?