How Much Does 2006 Saturn ION Insurance Cost?

Trying to find the cheapest insurance coverage rates? Buyers have lots of choices when searching for affordable Saturn ION insurance. They can either waste time calling around to get rate comparisons or save time using the internet to get rate quotes.

There is a right way and a wrong way to buy insurance coverage so we’re going to tell you the proper way to price shop coverage for a Saturn and locate the best price possible.

If you are insured now or are just looking to switch companies, you can use this information to reduce the price you pay while maintaining coverages. The purpose of this post is to let you in on how to get online quotes. Drivers only need an understanding of the most effective way to compare company rates online.

Auto Insurance Prices Online

There are multiple methods to compare 2006 Saturn ION auto insurance prices but there is one way that is easier and takes less work. You can spend your afternoon discussing policy coverages with local insurance agents in your area, or you can utilize online quotes to accomplish the same thing much quicker.

All the larger companies are enrolled in a marketplace that allows shoppers to only type in their quote data once, and at least one company then returns a price quote based on that data. This system prevents you from having to do form submissions for each company.

To compare pricing click to open in new window.

The only downside to using this type of system is that consumers can’t choose the insurers to get pricing from. So if you prefer to choose individual companies for rate comparison, we have assembled a list of the cheapest auto insurance companies in your area. Click here to view list.

It’s up to you how you get prices quotes, just be sure to compare apples-to-apples coverage limits and deductibles for each price quote. If you have unequal deductibles or liability limits it will be impossible to truly determine the lowest rate.

Are you getting all your discounts?

Insurance can be prohibitively expensive, buy you may qualify for discounts that you may not even be aware of. A few discounts will automatically apply at the time you complete a quote, but a few must be requested specifically before you get the savings. If you don’t get every credit you deserve, you are throwing money away.

  • One Accident Forgiven – Some insurance companies permit an accident before your rates go up if your claims history is clear for a set time period.
  • Discount for New Cars – Putting insurance coverage on a new car can save up to 30% due to better safety requirements for new cars.
  • Good Student – Performing well in school can earn a discount of 20% or more. The discount lasts up to age 25.
  • Government Employees – Employees or retirees of the government can earn a discount up to 10% on ION insurance with a few insurance companies.
  • No Accidents – Claim-free drivers can earn big discounts compared to drivers who are more careless.

A little note about advertised discounts, some credits don’t apply to the overall cost of the policy. A few only apply to individual premiums such as comprehensive or collision. So despite the fact that it appears all those discounts means the company will pay you, insurance companies aren’t that generous. Any amount of discount will cut the cost of coverage.

For a list of providers offering insurance discounts, click this link.

Impacting insurance rates for a Saturn ION

Consumers need to have an understanding of the different types of things that come into play when calculating your insurance coverage rates. When you know what positively or negatively impacts premium levels enables informed choices that could result in much lower annual insurance costs.

The list below includes some of the factors insurance coverage companies consider when setting premiums.

  • Mature drivers pay less – Young drivers are statistically proven to get distracted easily in a vehicle so insurance coverage rates are higher. Mature drivers are more responsible, tend to cause fewer accidents and are safer drivers.
  • More than one policy can earn a discount – The majority of insurers provide better rates to insureds who have multiple policies with them such as combining an auto and homeowners policy. Discounts can add up to five, ten or even twenty percent. Even with this discount, you may still want to compare rates to make sure you are getting the best deal.
  • Liability insurance protects assets – Your policy’s liability coverage will protect you if a jury decides you are liable for personal injury or accident damage. It provides legal defense coverage up to the limits shown on your policy. Carrying liability coverage is mandatory and cheap as compared to coverage for physical damage, so do not skimp.
  • Discounts for married couples – Having a spouse helps lower the price on your insurance coverage policy. Having a spouse means you’re more mature than a single person it has been statistically shown that being married results in fewer claims.
  • Your location is important – Choosing to live in small towns and rural areas has it’s advantages when talking about insurance coverage. Less people living in that area means reduced accidents. Drivers in populated areas have congested traffic and a longer drive to work. More time commuting means higher likelihood of an accident.
  • Your insurance coverage rates can be influenced by your job – Careers like doctors, social workers and accountants tend to have higher rates than average because of high stress and long work hours. On the flip side, jobs such as pilots, athletes and the unemployed receive lower rates on ION insurance.
  • Bad driving skills means higher rates – Whether or not you get tickets has a big impact on rates. Only having one citation can boost insurance rates twenty percent or more. Careful drivers get better rates than bad drivers. Drivers with serious tickets like reckless driving, hit and run or driving under the influence are required to file a proof of financial responsibility form (SR-22) with their state DMV in order to continue driving.
  • Safe vehicles cost less to insure – Cars with high safety ratings are cheaper to insure. Safe vehicles have better occupant injury protection and fewer injuries means less money paid by your insurance company and more competitive rates for policyholders. If your Saturn ION is rated at least an “acceptable” rating on the Insurance Institute for Highway Safety website it may be receiving lower rates.

When might I need an agent?

When choosing coverage, there is no “perfect” insurance plan. Everyone’s needs are different.

Here are some questions about coverages that can help discover if you would benefit from an agent’s advice.

  • Does my 2006 Saturn ION qualify for pleasure use?
  • Am I covered if I hit my neighbor’s mailbox?
  • Is upholstery damage covered by car insurance?
  • Why do I need rental car insurance?
  • Where can I get insurance after a DUI in my state?
  • Is my business laptop covered if it gets stolen from my vehicle?
  • I have health insurance so do I need medical payments coverage?
  • Is my nanny covered when driving my vehicle?
  • Why am I required to get a high-risk car insurance policy?

If you don’t know the answers to these questions but a few of them apply then you might want to talk to an agent. To find an agent in your area, complete this form. It’s fast, doesn’t cost anything and can provide invaluable advice.

Is there deception in advertising?

Consumers can’t ignore all the ads that promise big savings from the likes of 21st Century, Allstate and State Farm. They all seem to say the same thing that you’ll save big if you change your coverage to them.

How do they all make the same claim?

All companies can use profiling for the right customer they prefer to insure. An example of a preferred risk might be profiled as over the age of 40, owns a home, and drives newer vehicles. A customer getting a price quote that hits that “sweet spot” is entitled to the best price and most likely will save a lot of money.

Potential customers who don’t qualify for this ideal profile must pay higher premiums and ends up with business going elsewhere. The ad wording is “people who switch” not “everyone that quotes” save that much. This is how companies can truthfully make the claims of big savings.

This illustrates why you should compare many company’s rates. Because you never know which insurance companies will fit your personal profile best.

Insurance coverage breakdown

Knowing the specifics of a insurance policy can help you determine the best coverages for your vehicles. The terms used in a policy can be confusing and even agents have difficulty translating policy wording.

Uninsured Motorist or Underinsured Motorist insurance – Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when the “other guys” are uninsured or don’t have enough coverage. Covered losses include hospital bills for your injuries and damage to your Saturn ION.

Since many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is very important. Usually the UM/UIM limits are similar to your liability insurance amounts.

Collision coverage – This covers damage to your ION resulting from a collision with an object or car. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage protects against things like colliding with another moving vehicle, scraping a guard rail, crashing into a building, sideswiping another vehicle and rolling your car. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are older. Drivers also have the option to bump up the deductible in order to get cheaper collision rates.

Auto liability – Liability insurance can cover damage that occurs to other people or property. This insurance protects YOU from legal claims by others, and doesn’t cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show limits of 50/100/50 that means you have $50,000 in coverage for each person’s injuries, a per accident bodily injury limit of $100,000, and property damage coverage for $50,000. Another option is a combined limit which provides one coverage limit without having the split limit caps.

Liability coverage protects against things like pain and suffering, bail bonds, repair bills for other people’s vehicles and structural damage. How much coverage you buy is a personal decision, but you should buy as high a limit as you can afford.

Comprehensive coverage (or Other than Collision) – Comprehensive insurance coverage pays for damage OTHER than collision with another vehicle or object. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive insurance covers things such as falling objects, damage from a tornado or hurricane and hitting a deer. The most your insurance company will pay is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Insurance for medical payments – Medical payments and Personal Injury Protection insurance provide coverage for expenses like pain medications, EMT expenses, funeral costs, doctor visits and ambulance fees. They can be used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. They cover both the driver and occupants and also covers any family member struck as a pedestrian. PIP is not an option in every state and may carry a deductible

Be a money saver!

Discount 2006 Saturn ION insurance is definitely available from both online companies as well as from independent agents, so you should compare both to have the best rate selection. Some companies don’t offer online quoting and usually these regional insurance providers provide coverage only through local independent agents.

You just learned quite a bit of information on how to get a better price on insurance. The key thing to remember is the more companies you get rates for, the better your chances of lowering your rates. Consumers could even find that the lowest premiums are with a small mutual company.

Insureds switch companies for a variety of reasons including unfair underwriting practices, high prices, questionable increases in premium or delays in responding to claim requests. It doesn’t matter why you want to switch choosing a new company can be less work than you think.

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