2003 Saturn ION Car Insurance Rates – 8 Tips for Best Quotes

Drivers have a choice when trying to find the best price on Saturn ION insurance. You can either waste hours driving around to compare prices or use the internet to find the lowest rates.

There is a better way to compare insurance coverage rates and you need to know the absolute fastest way to compare rates for your Saturn and find the cheapest rates from local insurance agents and online providers.

It’s a great practice to compare prices once or twice a year due to the fact that insurance rates are variable and change quite frequently. If you had the best deal for ION insurance on your last policy you may be paying too much now. You’ll find quite a bit of inaccurate information about insurance coverage online but I’m going to show you some excellent ideas to buy insurance coverage cheaper.

Low Cost Car Insurance

Finding cheaper 2003 Saturn ION car insurance prices can be relatively painless. Just take a few minutes to get quotes from different insurance companies. This is very easy and can be done using a couple different methods.

The easiest and least time consuming way to get quotes for comparison is a comparison rater form like this one (opens in new window). This method eliminates the need for separate forms for each company you want a rate for. One simple form will return quotes direct from many companies. This is by far the quickest method.
A different way to analyze rates requires you to visit each individual company website and fill out their own quote form. For sake of this example, let’s assume you want to compare Allstate, Farmers and Geico. To get rate quotes you would need to take the time to go to each site to input your insurance information, and that’s why the first method is more popular. To view a list of companies in your area, click here.

Whichever way you use, be sure to compare exactly the same quote information for each comparison quote. If you compare different liability limits it’s impossible to make a fair comparison for your Saturn ION.

How to reduce 2003 Saturn ION insurance rates

Insurance can be prohibitively expensive, but discounts can save money and there are some available to help offset the cost. Certain discounts will be applied when you get a quote, but less common discounts must be asked about in order for you to get them. If you aren’t receiving every discount you deserve, you’re just leaving money on the table.

Discounts for Safe Drivers – Insureds without accidents can get discounts for up to 45% lower rates for ION insurance than less cautious drivers.
Air Bag Discount – Vehicles equipped with air bags or automatic seat belts can qualify for discounts of up to 25% or more.
No Charge for an Accident – Certain companies will allow you to have one accident before raising your premiums if you are claim-free prior to the accident.
Anti-theft Discount – Vehicles with anti-theft systems are stolen less frequently and therefore earn up to a 10% discount.
Defensive Driving Course – Taking a driver safety course can save you 5% or more and easily recoup the cost of the course.
Drivers Ed for Students – Require your teen driver to take driver’s ed class if it’s offered in school.
Discount for New Cars – Putting insurance coverage on a new car can cost up to 25% less since new cars are generally safer.
Multi-policy Discount – If you have multiple policies with the same insurance company you may earn at least 10% off all policies.

It’s important to note that most credits do not apply to the overall cost of the policy. Most only apply to individual premiums such as liability and collision coverage. So even though they make it sound like you would end up receiving a 100% discount, companies wouldn’t make money that way. Any qualifying discounts will cut the amount you have to pay.

To see a list of insurers offering insurance discounts, click this link.

Tailor your coverage to you

When it comes to buying the best insurance coverage coverage for your vehicles, there is no “best” method to buy coverage. Everyone’s situation is a little different.

These are some specific questions may help highlight whether or not you could use an agent’s help.

Is my teenager covered with friends in the car?
Am I covered if I hit a deer?
Does my 2003 Saturn ION need full coverage?
Do all my vehicles need collision coverage?
Does coverage extend to a rental car in a foreign country?
Are all vehicle passengers covered by medical payments coverage?
What is high-risk coverage and where do I buy it?
Is there coverage for injuries to my pets?
Is business equipment covered while in my vehicle?
Does coverage extend to Mexico or Canada?

If you can’t answer these questions, then you may want to think about talking to an insurance agent. If you don’t have a local agent, complete this form. It’s fast, doesn’t cost anything and may give you better protection.

Detailed coverages of your car insurance policy

Having a good grasp of your policy can help you determine the right coverages at the best deductibles and correct limits. The coverage terms in a policy can be ambiguous and nobody wants to actually read their policy.

UM/UIM Coverage

This coverage protects you and your vehicle from other motorists when they do not carry enough liability coverage. This coverage pays for injuries to you and your family as well as damage to your Saturn ION.

Because many people have only the minimum liability required by law, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Normally your uninsured/underinsured motorist coverages are set the same as your liablity limits.

Medical costs insurance

Medical payments and Personal Injury Protection insurance pay for immediate expenses like funeral costs, pain medications and chiropractic care. They are often used to cover expenses not covered by your health insurance policy or if you do not have health coverage. They cover not only the driver but also the vehicle occupants in addition to any family member struck as a pedestrian. Personal Injury Protection is not universally available and gives slightly broader coverage than med pay

Comprehensive or Other Than Collision

Comprehensive insurance pays for damage OTHER than collision with another vehicle or object. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things like a tree branch falling on your vehicle, fire damage, damage from getting keyed and vandalism. The highest amount your car insurance company will pay is the cash value of the vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

Collision coverage

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

Collision coverage protects against claims such as sideswiping another vehicle, hitting a parking meter, backing into a parked car, scraping a guard rail and crashing into a building. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are 8 years or older. Drivers also have the option to increase the deductible to save money on collision insurance.

Liability

This coverage protects you from damage that occurs to other people or property that is your fault. This coverage protects you against claims from other people. Liability doesn’t cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show values of 25/50/25 that translate to a limit of $25,000 per injured person, $50,000 for the entire accident, and $25,000 of coverage for damaged propery. Occasionally you may see one limit called combined single limit (CSL) which provides one coverage limit with no separate limits for injury or property damage.

Liability can pay for things like attorney fees, court costs, medical services and funeral expenses. How much liability should you purchase? That is your choice, but you should buy as large an amount as possible.