Save on 2003 Saturn ION Car Insurance Rates

Searching for the cheapest insurance rates for your Saturn ION? Price shopping your insurance is always hard for beginners to comparing rates online. You have so many choices that it can turn into a lot of work to find the best price.

Finding the best rates is not that difficult. Essentially every vehicle owner who buys car insurance stands a good chance to be able to cut their insurance bill. Nevertheless, car owners should learn how companies determine prices.

Discounts on Saturn ION insurance

Companies offering auto insurance do not advertise every discount in an easy-to-find place, so we break down both the well known and the harder-to-find insurance savings.

  • Homeowners Discount – Simply owning a home may earn you a small savings due to the fact that maintaining a home requires personal responsibility.
  • Auto/Life Discount – Larger companies have a break if you buy life insurance.
  • Federal Government Employee – Simply working for the federal government can save as much as 8% for ION insurance depending on your company.
  • Passive Restraints – Vehicles with factory air bags or automatic seat belts can receive discounts up to 30%.
  • Sign Online – Some insurance companies will give a small break for buying your policy digitally online.
  • Good Student – This discount can earn a discount of 20% or more. This discount can apply well after school through age 25.
  • Claim Free – Good drivers with no accidents can save substantially when compared with frequent claim filers.

It’s important to note that most discount credits are not given to all coverage premiums. The majority will only reduce the price of certain insurance coverages like physical damage coverage or medical payments. So when the math indicates all those discounts means the company will pay you, insurance companies aren’t that generous.

To see a list of insurance companies with discount insurance rates, click here.

Saturn ION rates are complex

Consumers need to have an understanding of the factors that help determine your insurance rates. Understanding what influences your rates allows you to make educated decisions that will entitle you to big savings.

  • Liability coverage is cheap – Liability insurance will protect you in the event that you are found liable for damages from an accident. It provides legal defense coverage which can cost thousands of dollars. Liability is cheap compared to physical damage coverage, so do not cut corners here.
  • Don’t let your coverage lapse – Allowing your insurance policy to lapse will be a guaranteed way to trigger a rate increase. And not only will your rates increase, but not being able to provide proof of insurance might get you a revoked license or a big fine.You may then be required to submit proof of financial responsibility or a SR-22 with your state motor vehicle department.
  • Special features that cut premiums – Driving a car that has an advanced theft prevention system can help lower your rates. Anti-theft features such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all hinder your car from being stolen.
  • Better crash test results mean better rates – Vehicles with good safety scores get lower rates. These vehicles reduce injuries and lower injury rates means less money paid by your insurance company passed on to you as lower rates. If your Saturn ION is rated at least four stars on Safercar.gov or an “acceptable” rating on iihs.org you may qualify for a discount.
  • Discounts for married couples – Getting married can actually save you money when buying insurance. It is viewed as being more mature than a single person and it’s proven that married couples file fewer claims.

Tailor your coverage to you

When choosing the right insurance coverage for your personal vehicles, there is no “perfect” insurance plan. Coverage needs to be tailored to your specific needs.

For example, these questions can aid in determining whether or not you will benefit from professional help.

  • Am I insured when driving a different vehicle?
  • Am I getting all the discounts available?
  • Can I still get insurance after a DUI?
  • Is extra glass coverage worth it?
  • Am I covered when driving a rental car?
  • When can my company non-renew my policy?
  • What can I do if my company won’t pay a claim?
  • Why am I required to buy liability insurance?
  • Is my Saturn ION covered if I use it for business?

If you don’t know the answers to these questions but a few of them apply, you may need to chat with an insurance agent. To find an agent in your area, simply complete this short form.

Car insurance coverage options for a Saturn ION

Learning about specific coverages of your policy can be of help when determining the right coverages and proper limits and deductibles. Car insurance terms can be confusing and coverage can change by endorsement.

Liability

This coverage provides protection from damage or injury you incur to other people or property by causing an accident. This insurance protects YOU from claims by other people. It does not 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. Your policy might show values of 100/300/100 which means $100,000 bodily injury coverage, a limit of $300,000 in injury protection per accident, and $100,000 of coverage for damaged propery.

Liability can pay for claims like emergency aid, medical services, pain and suffering, structural damage and funeral expenses. How much coverage you buy is your choice, but you should buy as much as you can afford.

Medical costs insurance

Personal Injury Protection (PIP) and medical payments coverage reimburse you for short-term medical expenses for things like chiropractic care, funeral costs, ambulance fees, prosthetic devices and nursing services. They are often used in conjunction with a health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover you and your occupants in addition to being hit by a car walking across the street. Personal injury protection coverage is not available in all states and gives slightly broader coverage than med pay

Auto collision coverage

This coverage pays for damage to your ION resulting from a collision with another car or object. A deductible applies then the remaining damage will be paid by your insurance company.

Collision can pay for things such as sustaining damage from a pot hole, rolling your car and scraping a guard rail. This coverage can be expensive, so analyze the benefit of dropping coverage from older vehicles. It’s also possible to increase the deductible in order to get cheaper collision rates.

UM/UIM Coverage

This coverage protects you and your vehicle when other motorists either have no liability insurance or not enough. This coverage pays for injuries sustained by your vehicle’s occupants and also any damage incurred to your Saturn ION.

Due to the fact that many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is important protection for you and your family.

Comprehensive or Other Than Collision

Comprehensive insurance will pay to fix damage from a wide range of events other than collision. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things such as damage from flooding, vandalism and a tree branch falling on your vehicle. The maximum amount you can receive from a comprehensive claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

The bottom line

Insureds change insurance companies for a number of reasons such as an unsatisfactory settlement offer, high prices, extreme rates for teen drivers and even high rates after DUI convictions. Regardless of your reason, finding the right insurance coverage provider is pretty easy and you might even save some money in the process.

Throughout this article, we presented many ideas to lower your 2003 Saturn ION insurance rates. It’s most important to understand that the more companies you get rates for, the higher your chance of finding lower rates. Consumers could even find that the best prices are with the smaller companies.

Cheaper insurance can be sourced on the web and with local insurance agents, and you need to price shop both to have the best rate selection. Some companies do not offer the ability to get a quote online and most of the time these smaller companies sell through independent agents.

Additional insurance coverage information is available at the links below