2005 Saturn ION Insurance Quotes – 6 Tips for Best Rates

Trying to find lower insurance rates for your Saturn ION? Feel like you’re a prisoner to overpriced insurance? Trust us when we tell you you are not the only one feeling buyer’s remorse. Online insurance companies like Progressive, State Farm and GEICO constantly blast consumers with fancy advertisements and it is challenging if not impossible to see past the geckos and flying pigs and take the time to shop coverage around.

It’s important to compare prices at least once a year due to the fact that insurance rates go up and down regularly. Despite the fact that you may have had the lowest rates for ION coverage six months ago you can probably find a lower rate today. Block out anything you think you know about insurance because you’re about to learn how to use the internet to buy cheaper insurance.

If you have insurance now or are just looking to switch companies, you can use these tips to find the best rates and still get good coverage. Choosing the best insurance company for you is not that difficult. Vehicle owners only need to know the best way to compare company rates online.

Comparison of Insurance

Finding lower insurance rates can be surprisingly simple. Drivers just need to invest a few minutes comparing price quotes online from several insurance companies. This is very easy and can be done in several different ways.

  1. The easiest and least time consuming way to compare a lot of rates at once is an all-inclusive rate comparison click to view form in new window. This method keeps you from doing multiple quote forms to each individual insurance company. Completing one form will return price quotes from many national carriers.
  2. Another way to get quotes online consists of visiting each company’s website to complete their respective quote request forms. For sake of this example, let’s assume you want to compare rates from Farmers, Safeco and GMAC. To find out each rate you need to take the time to go to each site and enter your information, and that’s why the first method is more popular.

    To view a list of companies in your area, click here.

  3. The most time-consuming method of comparing rate quotes is to waste gas driving to and from local insurance agencies. Shopping for insurance online has reduced the need for local agents unless you want the professional guidance of a local agent. However, consumers can comparison shop your insurance online and still use a local agent and you’ll learn how to do that later.

However you get your quotes, double check that you are using identical information on every quote you get. If each company quotes different limits and deductibles on each one it will be very difficult to determine the best price for your Saturn ION.

Can you really save $465 a year?

Consumers can’t ignore all the ads for cheaper car insurance by companies like GEICO, State Farm and Progressive. They all seem to have a common claim of big savings after switching to them.

But how can every company make almost identical claims?

Different companies are able to cherry pick for the driver that earns them a profit. For example, a profitable customer might be profiled as between 30 and 50, insures multiple vehicles, and has a high credit rating. A customer that hits that “sweet spot” receives the best rates and therefore will pay quite a bit less when switching companies.

Potential customers who don’t meet this ideal profile will be quoted a more expensive rate and this can result in the customer not buying. The ad wording is “people who switch” not “everyone that quotes” save money. This is how insurance companies can confidently advertise the savings. This emphasizes why you should get as many comparisons as possible. It’s not possible to predict which company will fit your personal profile best.

Don’t overlook these six discounts

Companies that sell car insurance do not list every available discount in a way that’s easy to find, so here is a list both well-publicized and also the lesser-known ways to save on insurance. If you aren’t receiving every discount possible, you are paying more than you should be.

  • Homeowners Discount – Simply owning a home can save you money due to the fact that maintaining a home demonstrates responsibility.
  • Claim Free – Good drivers with no accidents pay much less compared to drivers who are more careless.
  • No Charge for an Accident – Some insurance companies will forgive one accident without raising rates if you are claim-free for a particular time prior to the accident.
  • Club Memberships – Participating in a professional or civic organization is a good way to get lower rates when buying insurance for ION coverage.
  • College Student – Kids in college who live away from home without a vehicle on campus may qualify for this discount.
  • Discount for Good Grades – Getting good grades can save 20 to 25%. Earning this discount can benefit you well after school through age 25.

Drivers should understand that most credits do not apply the the whole policy. Most cut individual premiums such as comp or med pay. So even though they make it sound like you would end up receiving a 100% discount, companies don’t profit that way.

Car insurance companies that may have these benefits include:

Check with each insurance company which discounts they offer. All car insurance discounts may not be available in every state.

Is my situation unique?

When choosing the best car insurance coverage for your personal vehicles, there really is not a “perfect” insurance plan. Coverage needs to be tailored to your specific needs so your insurance needs to address that. For example, these questions could help you determine if your situation would benefit from professional advice.

  • Will I lose any money if I cancel my policy before it expires?
  • Which companies will insure high-risk drivers?
  • Am I better off with higher deductibles on my 2005 Saturn ION?
  • Should I sign the liability waiver when renting a car?
  • When would I need rental car insurance?
  • Exactly who is provided coverage by my policy?

If you can’t answer these questions but one or more may apply to you, you may need to chat with an agent. If you don’t have a local agent, fill out this quick form or click here for a list of car insurance companies in your area. It’s fast, doesn’t cost anything and may give you better protection.

Specifics of your car insurance policy

Understanding the coverages of your policy helps when choosing appropriate coverage at the best deductibles and correct limits. Car insurance terms can be ambiguous and even agents have difficulty translating policy wording. Shown next are the normal coverages available from car insurance companies.

Collision coverage

This coverage will pay to fix damage to your ION resulting from colliding with another vehicle or an object, but not an animal. You first must pay a deductible and then insurance will cover the remainder.

Collision can pay for claims like colliding with a tree, rolling your car and crashing into a building. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. It’s also possible to choose a higher deductible in order to get cheaper collision rates.

Coverage for medical expenses

Med pay and PIP coverage reimburse you for immediate expenses for prosthetic devices, ambulance fees, pain medications and funeral costs. They can be utilized in addition to your health insurance policy or if you do not have health coverage. Coverage applies to not only the driver but also the vehicle occupants and will also cover if you are hit as a while walking down the street. Personal injury protection coverage is not universally available and may carry a deductible

Comprehensive car insurance

This coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims such as hail damage, fire damage, rock chips in glass, falling objects and damage from a tornado or hurricane. The highest amount a car insurance company will pay at claim time is the actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Coverage for liability

This coverage protects you from damages or injuries you inflict on other people or property in an accident. This coverage protects you against other people’s claims, and does not provide coverage for damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have values of 50/100/50 which stand for a $50,000 limit per person for injuries, $100,000 for the entire accident, and $50,000 of coverage for damaged propery.

Liability coverage protects against things such as medical services, court costs, emergency aid, repair bills for other people’s vehicles and medical expenses. How much liability should you purchase? That is a decision to put some thought into, but it’s cheap coverage so purchase higher limits if possible.

Coverage for uninsured or underinsured drivers

This provides protection when other motorists either are underinsured or have no liability coverage at all. This coverage pays for injuries to you and your family as well as your vehicle’s damage.

Since a lot of drivers carry very low liability coverage limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Do the work, save more money

When shopping online for car insurance, it’s not a good idea to skimp on coverage in order to save money. In many cases, an accident victim reduced collision coverage only to regret at claim time that their decision to reduce coverage ended up costing them more. Your goal should be to buy enough coverage at a price you can afford while not skimping on critical coverages.

Discount 2005 Saturn ION insurance is definitely available online in addition to many insurance agents, and you need to price shop both to have the best chance of lowering rates. Some companies do not provide online quoting and many times these small insurance companies only sell through independent insurance agents.

Other learning opportunities