Lower Your 2006 Saturn ION Insurance Rates

Buyers have options when searching for the lowest priced Saturn ION insurance. They can either spend hours driving around to get rate comparisons or leverage the internet to find the lowest rates. There is a better way to find auto insurance online so we’re going to tell you the absolute fastest way to price shop coverage for your Saturn and get the lowest price from local insurance agents and online providers.

You should take the time to do rate comparisons yearly because rates are adjusted regularly by insurance companies. Even if you think you had the best rates on ION coverage six months ago you will most likely find a better rate today. So forget all the misinformation about auto insurance because it’s time to teach you the tricks you need to know to save on auto insurance.

If you have a policy now or need new coverage, you can follow these tips to shop for the lowest rates and still get good coverage. The purpose of this article is to let you in on the most effective way to quote insurance and some tricks to saving. Consumers just need to understand the most efficient way to get comparison quotes online.

How much can you save with discounts?

Auto insurance companies don’t list all their discounts very well, so the following is a list of some of the best known and the more hidden discounts you could be receiving. If you don’t get every credit you deserve, you’re just leaving money on the table.

  • Anti-lock Brake System – Anti-lock brake equipped vehicles can avoid accidents and therefore earn up to a 10% discount.
  • Drive Safe and Save – Drivers who don’t get into accidents may receive a discount up to 45% less on ION coverage than drivers with accident claims.
  • Distant Student – Any of your kids who are attending college without a vehicle on campus may be able to be covered for less.
  • Seat Belts Save – Requiring all passengers to wear their seat belts could save 15% on the medical payments or PIP coverage costs.
  • One Accident Forgiven – A few companies will forgive one accident before hitting you with a surcharge if your claims history is clear for a certain period of time.
  • No Accidents – Drivers who don’t have accidents pay much less as compared to frequent claim filers.
  • Passive Restraints and Air Bags – Vehicles equipped with air bags or motorized seat belts can receive discounts up to 30%.
  • Military Discounts – Being deployed with a military unit could mean lower rates.
  • Multi-policy Discount – When you have multiple policies with one insurance company you may save approximately 10% to 15%.

Drivers should understand that most discount credits are not given to the entire cost. A few only apply to the price of certain insurance coverages like collision or personal injury protection. So when the math indicates you would end up receiving a 100% discount, companies wouldn’t make money that way.

A partial list of companies who might offer some of the above discounts are:

It’s a good idea to ask all companies you are considering which discounts they offer. All car insurance discounts might not be offered in your state.

Quick Insurance Coverage Quotes

Most companies like Allstate and Progressive quote insurance quotes directly from their websites. The process is pretty easy as you just enter the coverage amounts you desire as requested by the quote form. After you complete the form, the company’s rating system automatically retrieves credit information and your driving record and returns a price quote based on many factors.

Being able to quote online makes comparing rates easy, but having to visit many different websites and fill out multiple forms can be a bit tiresome and repetitive. But it is imperative to perform this step if you want to find better insurance coverage pricing.

An easier way to find lower prices uses one form that analyzes rates from many companies. It saves time, reduces the work, and makes rate comparisons a lot less work. Immediately after submitting the form, it is quoted and you can choose any or none of the quotes that you receive. If you find a better price you simply finish the application and buy the new coverage. It takes just a few minutes to complete and may result in a nice savings.

To quickly compare rates using this form now, click here and fill out the form. If you have a policy now, it’s recommended you type in the coverage information exactly as shown on your declarations page. This ensures you will be getting a fair comparison using the same coverage and limits.

These factors can influence what you pay for Saturn ION insurance

Consumers need to have an understanding of the different types of things that go into determining the price you pay for insurance. Having a good understanding of what determines base rates enables informed choices that could result in big savings.

Listed below are some of the items insurance companies consider when setting premiums.

  • Don’t cancel a policy without a new one in place – Having an insurance coverage lapse is a quick way to bump up your insurance costs. And not only will insurance be more expensive, failure to provide proof of insurance may earn you a revoked license or a big fine.
  • Pay less if you’re married – Having a wife or husband can get you a discount on insurance. It is viewed as being more mature than a single person and statistics show drivers who are married are more cautious.
  • Little extras can really add up – There are a lot of extra coverages that can waste your money when buying insurance. Things like vanishing deductibles, accident forgiveness and additional equipment coverage may be costing you every month. They may seem good when you first buy your policy, but now you might not need them so remove them from your policy.
  • Safer cars cost less to insure – Safer cars tend to have better insurance rates. Safe vehicles protect occupants better and fewer injuries means lower claim amounts and more competitive rates for policyholders. If the Saturn ION scored better than an “acceptable” rating on the Insurance Institute for Highway Safety website it may be receiving lower rates.
  • Do you have a high stress job? – Did you know your insurance rates can be affected by your occupation? Jobs such as judges, business owners and accountants have higher rates than average because of stressful work requirements and lengthy work days. On the flip side, jobs such as scientists, athletes and performers get better rates on ION coverage.
  • Special features that cut premiums – Purchasing a vehicle with a theft deterrent system can get you a discount on your insurance. Anti-theft devices like LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system all aid in stopping your vehicle from being stolen.

How much car insurance do I need?

When choosing adequate coverage, there really is not a perfect coverage plan. Everyone’s situation is a little different.

For instance, these questions may help you determine whether or not you will benefit from professional help.

  • Is extra glass coverage worth it?
  • Should I put collision coverage on all my vehicles?
  • Why am I required to buy liability insurance?
  • Will I be non-renewed for getting a DUI or other conviction?
  • Can my babysitter drive my car?
  • Why do I need rental car insurance?
  • What discounts do I qualify for?
  • Is my 2006 Saturn ION covered for flood damage?
  • How can I get high-risk coverage after a DUI?

If you’re not sure about those questions, then you may want to think about talking to an insurance agent. If you want to speak to an agent in your area, complete this form. It’s fast, doesn’t cost anything and may give you better protection.

Save 15 percent in 15 minutes? Is it for real?

Drivers can’t ignore all the ads that promise big savings from the likes of Allstate and Progressive. They all say the same thing about savings if you switch your coverage to them.

How can each company say the same thing? It’s all in the numbers.

All the different companies can use profiling for the type of customer that is profitable for them. For instance, a profitable customer might be between the ages of 40 and 55, insures multiple vehicles, and has a high credit rating. Any new insured who meets those qualifications will get the preferred rates and is almost guaranteed to save when they switch companies.

Potential insureds who fall outside the requirements must pay more money and ends up with the driver buying from a lower-cost company. The ads say “drivers who switch” not “everyone that quotes” save that much. That’s why insurance companies can confidently claim big savings. This illustrates why drivers must get a wide range of price quotes. It’s not possible to predict which insurance companies will provide you with the cheapest Saturn ION insurance rates.

Educate yourself about insurance coverages

Understanding the coverages of your policy helps when choosing appropriate coverage and proper limits and deductibles. The terms used in a policy can be confusing and coverage can change by endorsement.

Collision coverage – Collision coverage pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for things like damaging your car on a curb, sideswiping another vehicle, sustaining damage from a pot hole and hitting a parking meter. Collision is rather expensive coverage, so consider removing coverage from lower value vehicles. Another option is to raise the deductible to save money on collision insurance.

Liability auto insurance – This coverage provides protection from injuries or damage you cause to other people or property by causing an accident. This insurance protects YOU against other people’s claims, and doesn’t cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have values of 50/100/50 that translate to $50,000 in coverage for each person’s injuries, a limit of $100,000 in injury protection per accident, and $50,000 of coverage for damaged propery.

Liability insurance covers claims such as pain and suffering, bail bonds and court costs. How much coverage you buy is your choice, but it’s cheap coverage so purchase as high a limit as you can afford.

Comprehensive or Other Than Collision – This coverage covers damage that is not covered by collision coverage. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things such as a broken windshield, theft, falling objects, hitting a deer and vandalism. The highest amount a insurance company will pay at claim time is the actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Medical costs insurance – Medical payments and Personal Injury Protection insurance reimburse you for short-term medical expenses such as funeral costs, X-ray expenses and rehabilitation expenses. They are often utilized in addition to your health insurance policy or if you do not have health coverage. It covers not only the driver but also the vehicle occupants and will also cover any family member struck as a pedestrian. Personal injury protection coverage is not available in all states and gives slightly broader coverage than med pay

UM/UIM Coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other motorists when they are uninsured or don’t have enough coverage. Covered claims include hospital bills for your injuries and damage to your Saturn ION.

Due to the fact that many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is a good idea.

Shop around and save

We just covered a lot of tips how to save on 2006 Saturn ION insurance. The key thing to remember is the more you quote, the higher your chance of finding lower rates. Drivers may discover the best price on insurance is with a lesser-known regional company.

People switch companies for any number of reasons including high rates after DUI convictions, poor customer service, not issuing a premium refund or even questionable increases in premium. Regardless of your reason, switching companies can be easy and end up saving you some money.

Budget-conscious insurance is definitely available both online and with local insurance agents, and you should be comparing both to have the best rate selection. Some insurance companies do not offer online quoting and many times these smaller companies only sell through independent insurance agents.

Additional insurance information is available at the links below