Lower Your 2003 Saturn ION Insurance Quotes

Trying to find lower insurance rates for your Saturn ION? Do you think you bought an expensive insurance policy? You’re preaching to the choir because you’re not the only one. Numerous insurance companies battle to insure your vehicles, and it can be difficult to compare rates to find the absolute cheapest price

It’s a good habit to check insurance prices every six months due to the fact that insurance rates are variable and change quite frequently. Just because you found the best premium rates for ION coverage six months ago there is a good chance you can find better prices now. Forget anything you know (or think you know) about insurance because you’re about to learn the right way to save money, get proper coverage and the best rates.

If you have a policy now or need new coverage, you can use these techniques to reduce the price you pay and still get good coverage. Finding affordable coverage is easy if you know what you’re doing. Vehicle owners just need to learn the tricks to shop online.

More discounts mean cheaper premiums

Not many people think insurance is cheap, but there may be some discounts to cut the cost considerably. Many of these discounts will be applied automatically at the time you complete a quote, but a few must be specially asked for prior to receiving the credit.

  • Resident Student – who live away from home at college and do not have access to a covered vehicle could qualify for this discount.
  • Payment Discounts – If you can afford to pay the entire bill instead of paying each month you can avoid monthly service charges.
  • Bundle and Save – If you insure your home and vehicles with the same company you could earn a discount of at least 10 to 15 percent or more.
  • Theft Prevention Discount – Anti-theft and alarm system equipped vehicles can help prevent theft and can earn a small discount on your policy.
  • Student Discount for Driver Training – It’s a good idea to have your young drivers enroll and complete driver’s education in high school.
  • Life Insurance – Larger insurance carriers have a discounted premium rate on car insurance if you buy a life insurance policy as well.
  • Military Rewards – Having a family member in the military could trigger a small discount.
  • Mature Driver Discount – If you’re over the age of 55, you could receive a small discount on rates for ION coverage.
  • Defensive Driver – Taking time to complete a defensive driver course could cut 5% off your bill if your company offers it.
  • No Claims – Good drivers with no accidents get the best insurance rates when compared to drivers who are more careless.

Remember that most of the big mark downs will not be given to your bottom line cost. A few only apply to the cost of specific coverages such as comprehensive or collision. So despite the fact that it appears having all the discounts means you get insurance for free, companies don’t profit that way.

Larger insurance companies and a selection of discounts include:

  • Farmers Insurance offers discounts including distant student, early shopping, switch companies, multi-car, mature driver, and electronic funds transfer.
  • Esurance offers premium reductions for Pac-12 alumni, good student, online quote, online shopper, and paid-in-full.
  • State Farm offers discounts for Drive Safe & Save, passive restraint, driver’s education, multiple policy, Steer Clear safe driver discount, and good student.
  • GEICO discounts include five-year accident-free, seat belt use, membership and employees, multi-vehicle, driver training, military active duty, and daytime running lights.
  • Allstate may include discounts for economy car, safe driver, defensive driver, early signing, anti-theft, teenSMART discount, and good payer.

Before buying, ask every insurance company how many discounts you can get. A few discounts might not be available to policyholders in your state.

Ways to get car insurance price quotes

Many insurance companies make it easy to get prices online. Getting online quotes doesn’t take much effort as you just enter your coverage information into a form. Once entered, their system collects your driving and credit reports and returns a price based on these factors. Quoting online streamlines rate comparisons, but the time required to go to several different sites and type in your information is a big time waster. But it’s also necessary to have as many quotes as possible if you want to get the best price on car insurance.

A more efficient way to lower your rates uses one simple form that gets price quotes from several different companies. It saves time, eliminates repetitive work, and makes online quotes much easier. After sending the form, it gets priced and you can select any one of the quotes returned. If you find a better price it’s easy to complete the application and purchase the new policy. This process can be completed in a matter of minutes and you will know how your current rates stack up.

To find out what other companies charge, click here and enter your vehicle and coverage information. If you have a policy now, it’s recommended you input coverages and limits just like they are on your policy. This ensures you are getting a rate comparison for similar coverage.

It’s not one size fits all

When it comes to buying the best auto insurance coverage for your personal vehicles, there is no “best” method to buy coverage. Every situation is different so your insurance should reflect that For example, these questions may help highlight whether your personal situation might need an agent’s assistance.

  • If my pet gets injured in an accident are they covered?
  • I have good health insurance, so how much medical payments coverage do I need?
  • Can I afford low physical damage deductibles?
  • Do I have coverage if my license is suspended?
  • Does my 2003 Saturn ION qualify for pleasure use?
  • Is business equipment covered while in my vehicle?

If you can’t answer these questions but you think they might apply to your situation, you may need to chat with an insurance agent. If you don’t have a local agent, simply complete this short form or go to this page to view a list of companies. It’s fast, free and can provide invaluable advice.

Auto insurance coverage specifics

Knowing the specifics of auto insurance aids in choosing the right coverages and proper limits and deductibles. Policy terminology can be confusing and coverage can change by endorsement. Shown next are the normal coverages available from auto insurance companies.

Uninsured Motorist or Underinsured Motorist insurance – This gives you protection when the “other guys” either are underinsured or have no liability coverage at all. Covered claims include injuries to you and your family as well as your vehicle’s damage.

Due to the fact that many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. This is the reason having UM/UIM coverage is important protection for you and your family.

Comprehensive coverage (or Other than Collision) – Comprehensive insurance pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims such as damage from getting keyed, a tree branch falling on your vehicle, vandalism and damage from a tornado or hurricane. The maximum amount your auto insurance company will pay is the market value of your vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Auto liability – This protects you from injuries or damage you cause to other people or property. It protects YOU from claims by other people. Liability doesn’t cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show limits of 50/100/50 that means you have a $50,000 limit per person for injuries, a total of $100,000 of bodily injury coverage per accident, and $50,000 of coverage for damaged propery.

Liability can pay for things such as attorney fees, bail bonds, repair costs for stationary objects and structural damage. The amount of liability coverage you purchase is up to you, but consider buying as much as you can afford.

Collision coverage – Collision insurance covers damage to your ION from colliding with an object or car. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision can pay for things such as scraping a guard rail, damaging your car on a curb and sustaining damage from a pot hole. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from older vehicles. It’s also possible to bump up the deductible to get cheaper collision coverage.

Insurance for medical payments – Coverage for medical payments and/or PIP provide coverage for immediate expenses for things like EMT expenses, hospital visits, chiropractic care, nursing services and dental work. They are often used to fill the gap from your health insurance plan or if you are not covered by health insurance. Medical payments and PIP cover both the driver and occupants as well as being hit by a car walking across the street. PIP is only offered in select states and may carry a deductible

Quote more. Save more.

When buying insurance coverage, don’t be tempted to sacrifice coverage to reduce premiums. In many cases, an accident victim reduced physical damage coverage and discovered at claim time that it was a big error on their part. Your goal is to buy the best coverage you can find at the best cost, but do not skimp to save money.

Cheaper 2003 Saturn ION insurance is available online as well as from insurance agents, so get free insurance quotes from both of them to have the best chance of lowering rates. Some insurance companies may not have rates over the internet and most of the time these smaller companies sell through local independent agencies.

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