Vehicles > Saturn > ION

Saturn ION Insurance Rates

You have many choices when trying to insure your Saturn vehicle. You can get prices from an insurance agent or shop online to compare insurance costs of many different companies. Shopping for car insurance from online companies is easy, in addition you may find lower rates.

Consumers not familiar with comparing rates may think buying cut-rate Saturn ION insurance can be quite difficult. The are a couple different ways to get quotes from different insurance companies. The quickest method to find the cheapest Saturn ION insurance quotes consists of shopping online. This is very easy and can be done by getting a quick quote here.

Criteria which help determine your insurance rates

Insurance premiums for your Saturn ION will vary greatly based upon several criteria. A few of these criteria are:

  • The performance level of your ION
  • Your accident history
  • Whether you insure your home with the same company
  • Pleasure, commuting or business use can affect rates
  • Optional coverages like vehicle replacement
  • Your job
  • The level of coverage
  • Owning a home can lower rates

One important consideration that will help determine your rates is the age of the vehicle. Older cars and trucks have a much lower replacement value compared to new Saturn models so the payout to repair will push premiums down. Conversely, more recent Saturn vehicles have more advanced features such as lane departure warning system, dual-stage airbags, and sideview assist mirrors so those may help offset higher rates.

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

Liability coverage

Liability insurance will cover injuries or damage you cause to other's property or people by causing an accident. Liability insurance covers claims such as funeral expenses, loss of income, and emergency aid. Liability insurance is relatively cheap so buy as much as you can afford.

Collision coverage

Collision coverage will pay to fix damage to your Saturn resulting from colliding with another vehicle or an object, but not an animal. You have to pay a deductible and then insurance will cover the remainder. Collision coverage makes up a good portion of your premium, so consider dropping it from lower value vehicles. Drivers also have the option to increase the deductible to bring the cost down.

Comprehensive coverage

Comprehensive insurance coverage covers damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then your comprehensive coverage will pay. The maximum amount a car 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 not worth carrying full coverage.

Uninsured Motorist or Underinsured Motorist insurance

This coverage provides protection from other drivers when they are uninsured or don't have enough coverage. Due to the fact that many drivers 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.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage provide coverage for bills like ambulance fees, surgery, and doctor visits. They can be utilized in addition to your health insurance plan or if you do not have health coverage. PIP is only offered in select states and may carry a deductible.

How Much are Saturn ION Insurance Rates?