2006 Saturn ION Insurance Rates

Price shopping your car insurance can seem to be hard for consumers new to shopping for insurance online. Consumers have so many choices that it can turn into a big hassle to find lower rates.

It’s smart to do rate comparisons occasionally since rates change regularly. Even if you think you had the best deal on ION insurance a year ago you may be paying too much now. Forget all the misinformation about car insurance because you’re about to find out how to use the internet to find great coverage at a great price.

Finding Insurance Deals

Most major insurance companies like Progressive, GEICO, Allstate and State Farm provide insurance quotes on the web. The process is quite easy as you simply enter your personal and coverage information into the quote form. Behind the scenes, the company’s rating system gets your driving and credit reports and returns a price based on these and other factors.

Quoting online helps simplify price comparisons, but having to visit many different websites and fill out multiple forms is not the best way to spend an afternoon. Unfortunately, it is important to compare as many rates as possible if you are searching for lower prices.

There is an easier way!

The quickest way to locate the lowest prices is to use a quote form to return rates from a lot of companies. The form is fast, eliminates form submissions, and makes quoting online much easier to do. Immediately after submitting the form, it is rated with multiple companies and you can pick any or none of the returned quotes.

If one or more price quotes are lower than your current rates, you simply finish the application and purchase the new policy. This process only takes a few minutes and may save quite a bit of money.

To get comparison pricing now, simply click here to open in new window and begin entering your coverage information. To compare your current rates, we recommend you duplicate the limits and deductibles as close as possible to your current policy. This guarantees you will have rate quotes for similar coverage.

More discounts equal less premium

Car insurance is not cheap, but there are discounts available to help offset the cost. Some discounts apply automatically when you get a quote, but less common discounts must be specifically requested in order for you to get them.

  • Air Bag Discount – Cars that have air bags and/or automatic seat belt systems may earn rate discounts of 20% or more.
  • Pay Upfront and Save – If you pay your entire premium ahead of time rather than paying monthly you may reduce your total bill.
  • Government Employees – Active or retired federal employment can save as much as 8% on ION insurance depending on your company.
  • Auto/Home Discount – If you have multiple policies with the same company you may save 10% to 20% off each policy.
  • No Accidents – Claim-free drivers can save substantially compared to accident-prone drivers.
  • E-sign – A few companies will give a small break for buying your policy digitally online.
  • Discount for Good Grades – Getting good grades can be rewarded with saving of up to 25%. The discount lasts well after school through age 25.

A little note about advertised discounts, most discounts do not apply the the whole policy. Most only cut specific coverage prices like physical damage coverage or medical payments. Even though it may seem like you would end up receiving a 100% discount, companies wouldn’t make money that way. But all discounts will reduce your premiums.

Companies that possibly offer these money-saving discounts include:

Check with each company what discounts are available to you. Some discounts might not apply in your area.

It’s not one size fits all

When buying coverage, there is no one size fits all plan. Every situation is different.

For instance, these questions may help you determine if your situation might need an agent’s assistance.

  • Is my business laptop covered if it gets stolen from my vehicle?
  • Should I sign the liability waiver when renting a car?
  • Why does it cost so much to insure a teen driver?
  • Are rental cars covered under my policy?
  • Who is covered when they drive my 2006 Saturn ION?
  • Do I need more liability coverage?
  • Is my teenager covered with friends in the car?

If it’s difficult to answer those questions but you know they apply to you, you may need to chat with an insurance agent. To find lower rates from a local agent, take a second and complete this form.

Saturn ION rate determination is complex

An important part of buying insurance is that you know the rating factors that come into play when calculating the price you pay for car insurance. Understanding what controls the rates you pay empowers consumers to make smart changes that may reward you with better car insurance rates.

  • Don’t get talked into coverage you don’t need – There are a ton of extra coverages you can purchase if you aren’t careful. Insurance for vanishing deductibles, better glass coverage and term life insurance may be costing you every month. These may sound like a good investment at first, but if they’re wasting money eliminate the coverages to reduce your premium.
  • Equipment add-ons that lower car insurance rates – Purchasing a vehicle that has an advanced theft prevention system can get you a discount on your car insurance. Anti-theft features like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all aid in stopping car theft.
  • Always keep insurance in force – Driving your car without having proper coverage is a misdemeanor and car insurance companies will penalize you for letting your coverage have a gap. And not only will your rates increase, failure to provide proof of insurance may earn you a steep fine or even jail time.
  • What are your deductibles? – The deductibles represent how much money you are required to spend out-of-pocket before your car insurance pays a claim. Insurance for physical damage to your car, commonly called comprehensive (or other-than-collision) and collision coverage, insures against damage to your car. A few examples of covered claims are colliding with a building, vandalism, and windstorm damage. The more expense you have to pay, the bigger discount you will receive on ION insurance.
  • Multiple policies with one company can save – The majority of companies will give a discount to policyholders who consolidate policies with them such as combining an auto and homeowners policy. Discounts can be anywhere from five to ten percent in most cases. Even with this discount, you still need to comparison shop to make sure you are getting the best deal. Consumers may find a better deal by splitting coverages up.

Don’t believe everything you hear

Auto insurance companies such as Progressive, GEICO, Allstate and State Farm consistently run television and radio advertisements. They all seem to have a common claim of big savings if you change to their company. How can each company claim to save you money? This is how they do it.

All the different companies have a preferred profile for the right customer that makes them money. For instance, a driver they prefer could possibly be over the age of 40, has no driving citations, and drives less than 7,500 miles a year. A customer who matches those parameters gets the lowest rates and most likely will save quite a bit of money when switching.

Potential insureds who do not match the “perfect” profile will have to pay higher premiums which leads to the driver buying from a lower-cost company. The ad wording is “customers who switch” but not “drivers who get quotes” save that much money. That’s why companies can advertise the savings.

Because of the profiling, you should get as many quotes as possible. It’s just too difficult to predict which auto insurance company will have the lowest Saturn ION insurance rates.

Coverages available on your policy

Knowing the specifics of a insurance policy helps when choosing which coverages you need for your vehicles. Insurance terms can be impossible to understand and coverage can change by endorsement.

Auto liability – Liability insurance will cover damage that occurs to other’s property or people by causing an accident. This insurance protects YOU from claims by other people, 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. You might see limits of 100/300/100 which stand for $100,000 in coverage for each person’s injuries, a total of $300,000 of bodily injury coverage per accident, and property damage coverage for $100,000. Another option is one number which is a combined single limit which provides one coverage limit rather than limiting it on a per person basis.

Liability coverage protects against things like repair costs for stationary objects, funeral expenses, bail bonds and medical expenses. How much coverage you buy is your choice, but buy as high a limit as you can afford.

Uninsured and underinsured coverage – This coverage provides protection from other drivers when they do not carry enough liability coverage. Covered losses include medical payments for you and your occupants as well as damage to your Saturn ION.

Because many people carry very low liability coverage limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is important protection for you and your family. Normally these limits are set the same as your liablity limits.

Coverage for medical payments – Personal Injury Protection (PIP) and medical payments coverage provide coverage for immediate expenses for things like pain medications, dental work, prosthetic devices and X-ray expenses. They can be used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover both the driver and occupants and will also cover being hit by a car walking across the street. PIP is not universally available and may carry a deductible

Collision coverages – Collision coverage covers damage to your ION from colliding with an object or car. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims like backing into a parked car, sideswiping another vehicle and rolling your car. Paying for collision coverage can be pricey, so consider removing coverage from older vehicles. Another option is to increase the deductible to save money on collision insurance.

Comprehensive coverages – This pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage pays for claims such as damage from a tornado or hurricane, hitting a deer, a tree branch falling on your vehicle and theft. The most you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Never pay more for less

When shopping online for auto insurance, it’s not a good idea to reduce needed coverages to save money. Too many times, an accident victim reduced full coverage to discover at claim time that a couple dollars of savings turned into a financial nightmare. Your strategy should be to find the BEST coverage at an affordable rate while still protecting your assets.

Cheap 2006 Saturn ION insurance is definitely available from both online companies in addition to many insurance agents, so you should be comparing quotes from both in order to have the best chance of saving money. Some insurance providers do not provide online price quotes and most of the time these regional insurance providers sell through independent agents.

Insureds switch companies for a number of reasons such as denial of a claim, high rates after DUI convictions, lack of trust in their agent or even poor customer service. It doesn’t matter what your reason, choosing a new company is not as difficult as it may seem.

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