2003 Saturn ION Insurance Rates – 8 Ways to Save

Looking for lower insurance coverage rates? Shoppers have options when shopping for the lowest priced Saturn ION insurance. They can either waste time calling around getting price quotes or leverage the internet to compare rates. There is a better way to find insurance coverage online and we’ll show you the proper way to compare rates on a Saturn and get the best price possible from local insurance agents and online providers.

Finding Insurance

Getting a cheaper price on 2003 Saturn ION insurance isn’t really that difficult. Just invest a few minutes getting comparison quotes provided by online insurance companies. It is quite easy and can be accomplished in just a few minutes using one of these methods.

1. Probably the best way to compare a lot of rates at once would be an industry-wide quote request form (click to open form in new window). This form prevents you from having to do separate quote forms for each company. Just one form gets you price quotes from several companies.It’s the quickest way to get rates.
2. A different way to obtain and compare quotes online is spending the time to visit the website for each individual company to complete their respective quote request forms. For examples sake, let’s say you want to compare USAA, Farmers and State Farm. To get rate quotes you would need to spend time on each company’s site to enter your coverage information, which is why most consumers use the first method.

   To view a list of companies in your area, click here.

Whichever way you use, compare apples-to-apples coverage limits with every price quote. If you use unequal deductibles or liability limits you will not be able to truly determine the lowest rate.

Insurance agents can help

When choosing adequate coverage for your vehicles, there really is not a single plan that fits everyone. Everyone’s situation is unique.

These are some specific questions can aid in determining whether your personal situation would benefit from professional advice.

• How much underlying liability do I need for an umbrella policy?
• How can I find cheaper teen driver insurance?
• What is UM/UIM insurance?
• Is a fancy paint job covered?
• Do I have coverage for damage caused while driving under the influence?
• What vehicles should carry emergency assistance coverage?
• Is rental equipment covered for theft or damage?
• Is my 2003 Saturn ION covered for flood damage?
• Am I covered when driving on a suspended license?

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, take a second and complete this form. It is quick, free and may give you better protection.

Specific coverage details

Learning about specific coverages of your auto insurance policy can help you determine which coverages you need at the best deductibles and correct limits. Auto insurance terms can be confusing and reading a policy is terribly boring.

Comprehensive coverages – Comprehensive insurance pays to fix your vehicle from damage that is not covered by collision coverage. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for things such as damage from flooding, hitting a bird and damage from getting keyed. The highest amount your auto insurance company will pay is the actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Coverage for medical payments – Medical payments and Personal Injury Protection insurance kick in for short-term medical expenses for things like X-ray expenses, funeral costs, pain medications and ambulance fees. They can be used in conjunction with a health insurance policy or if you do not have health coverage. Medical payments and PIP cover all vehicle occupants and also covers any family member struck as a pedestrian. PIP coverage is not available in all states and may carry a deductible

Liability car insurance – Liability insurance can cover damage or injury you incur to other’s property or people that is your fault. This insurance protects YOU against other people’s claims. Liability doesn’t cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have limits of 25/50/25 which means a limit of $25,000 per injured person, a per accident bodily injury limit of $50,000, and property damage coverage for $25,000.

Liability coverage protects against claims like structural damage, bail bonds, repair bills for other people’s vehicles, attorney fees and funeral expenses. How much coverage you buy is a personal decision, but it’s cheap coverage so purchase as large an amount as possible.

Uninsured and underinsured coverage – This protects you and your vehicle from other motorists when they do not carry enough liability coverage. This coverage pays for injuries sustained by your vehicle’s occupants as well as damage to your Saturn ION.

Since many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is very important.

Collision coverage – Collision coverage will pay to fix damage to your ION resulting from a collision with another vehicle or an object, but not an animal. You have to pay a deductible and then insurance will cover the remainder.

Collision insurance covers things like sustaining damage from a pot hole, damaging your car on a curb and backing into a parked car. Collision is rather expensive coverage, so you might think about dropping it from older vehicles. You can also raise the deductible to get cheaper collision coverage.