Price shopping your car insurance can seem to be hard for consumers new to shopping for insurance online. Consumers have so many choices that it can turn into a big hassle to find lower rates.
It’s smart to do rate comparisons occasionally since rates change regularly. Even if you think you had the best deal on ION insurance a year ago you may be paying too much now. Forget all the misinformation about car insurance because you’re about to find out how to use the internet to find great coverage at a great price.
Most major insurance companies like Progressive, GEICO, Allstate and State Farm provide insurance quotes on the web. The process is quite easy as you simply enter your personal and coverage information into the quote form. Behind the scenes, the company’s rating system gets your driving and credit reports and returns a price based on these and other factors.
Quoting online helps simplify price comparisons, but having to visit many different websites and fill out multiple forms is not the best way to spend an afternoon. Unfortunately, it is important to compare as many rates as possible if you are searching for lower prices.
There is an easier way!
The quickest way to locate the lowest prices is to use a quote form to return rates from a lot of companies. The form is fast, eliminates form submissions, and makes quoting online much easier to do. Immediately after submitting the form, it is rated with multiple companies and you can pick any or none of the returned quotes.
If one or more price quotes are lower than your current rates, you simply finish the application and purchase the new policy. This process only takes a few minutes and may save quite a bit of money.
To get comparison pricing now, simply click here to open in new window and begin entering your coverage information. To compare your current rates, we recommend you duplicate the limits and deductibles as close as possible to your current policy. This guarantees you will have rate quotes for similar coverage.
Car insurance is not cheap, but there are discounts available to help offset the cost. Some discounts apply automatically when you get a quote, but less common discounts must be specifically requested in order for you to get them.
A little note about advertised discounts, most discounts do not apply the the whole policy. Most only cut specific coverage prices like physical damage coverage or medical payments. Even though it may seem like you would end up receiving a 100% discount, companies wouldn’t make money that way. But all discounts will reduce your premiums.
Companies that possibly offer these money-saving discounts include:
Check with each company what discounts are available to you. Some discounts might not apply in your area.
When buying coverage, there is no one size fits all plan. Every situation is different.
For instance, these questions may help you determine if your situation might need an agent’s assistance.
If it’s difficult to answer those questions but you know they apply to you, you may need to chat with an insurance agent. To find lower rates from a local agent, take a second and complete this form.
An important part of buying insurance is that you know the rating factors that come into play when calculating the price you pay for car insurance. Understanding what controls the rates you pay empowers consumers to make smart changes that may reward you with better car insurance rates.
Auto insurance companies such as Progressive, GEICO, Allstate and State Farm consistently run television and radio advertisements. They all seem to have a common claim of big savings if you change to their company. How can each company claim to save you money? This is how they do it.
All the different companies have a preferred profile for the right customer that makes them money. For instance, a driver they prefer could possibly be over the age of 40, has no driving citations, and drives less than 7,500 miles a year. A customer who matches those parameters gets the lowest rates and most likely will save quite a bit of money when switching.
Potential insureds who do not match the “perfect” profile will have to pay higher premiums which leads to the driver buying from a lower-cost company. The ad wording is “customers who switch” but not “drivers who get quotes” save that much money. That’s why companies can advertise the savings.
Because of the profiling, you should get as many quotes as possible. It’s just too difficult to predict which auto insurance company will have the lowest Saturn ION insurance rates.
Knowing the specifics of a insurance policy helps when choosing which coverages you need for your vehicles. Insurance terms can be impossible to understand and coverage can change by endorsement.
Auto liability – Liability insurance will cover damage that occurs to other’s property or people by causing an accident. This insurance protects YOU from claims by other people, and doesn’t 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. You might see limits of 100/300/100 which stand for $100,000 in coverage for each person’s injuries, a total of $300,000 of bodily injury coverage per accident, and property damage coverage for $100,000. Another option is one number which is a combined single limit which provides one coverage limit rather than limiting it on a per person basis.
Liability coverage protects against things like repair costs for stationary objects, funeral expenses, bail bonds and medical expenses. How much coverage you buy is your choice, but buy as high a limit as you can afford.
Uninsured and underinsured coverage – This coverage provides protection from other drivers when they do not carry enough liability coverage. Covered losses include medical payments for you and your occupants as well as damage to your Saturn ION.
Because many people 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. Normally these limits are set the same as your liablity limits.
Coverage for medical payments – Personal Injury Protection (PIP) and medical payments coverage provide coverage for immediate expenses for things like pain medications, dental work, prosthetic devices and X-ray expenses. They can be used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover both the driver and occupants and will also cover being hit by a car walking across the street. PIP is not universally available and may carry a deductible
Collision coverages – Collision coverage covers damage to your ION from colliding with an object or car. A deductible applies and the rest of the damage will be paid by collision coverage.
Collision coverage pays for claims like backing into a parked car, sideswiping another vehicle and rolling your car. Paying for collision coverage can be pricey, so consider removing coverage from older vehicles. Another option is to increase the deductible to save money on collision insurance.
Comprehensive coverages – This pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. A deductible will apply then your comprehensive coverage will pay.
Comprehensive coverage pays for claims such as damage from a tornado or hurricane, hitting a deer, a tree branch falling on your vehicle and theft. The most you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.
When shopping online for auto insurance, it’s not a good idea to reduce needed coverages to save money. Too many times, an accident victim reduced full coverage to discover at claim time that a couple dollars of savings turned into a financial nightmare. Your strategy should be to find the BEST coverage at an affordable rate while still protecting your assets.
Cheap 2006 Saturn ION insurance is definitely available from both online companies in addition to many insurance agents, so you should be comparing quotes from both in order to have the best chance of saving money. Some insurance providers do not provide online price quotes and most of the time these regional insurance providers sell through independent agents.
Insureds switch companies for a number of reasons such as denial of a claim, high rates after DUI convictions, lack of trust in their agent or even poor customer service. It doesn’t matter what your reason, choosing a new company is not as difficult as it may seem.