Cheaper 2004 Saturn ION Car Insurance Cost

Want the cheapest insurance rates for your Saturn ION? Are you sick and tired of robbing Peter to pay Paul to keep your car insured? You’re in the same situation as many other consumers. There is such a variety of insurers to insure vehicles with, and although it’s nice to be able to choose, it makes it harder to find the lowest rates.

Consumers need to compare rates every six months because prices change quite often. Even if you think you had the lowest rate on ION coverage last year there may be better deals available now. Forget all the misinformation about insurance because I’m going to teach you how to use online quotes to lower your annual insurance bill.

How to lower your car insurance cost

Getting a low cost price on 2004 Saturn ION insurance is a great way to save money. Drivers just need to take a couple of minutes to get quotes to see which company has low cost insurance quotes. This can be done by following the guidelines below.

• If you’re in a hurry, the quickest way to find low rates is to use a rate comparison form click to view form in new window. This type of form saves time by eliminating separate quote forms for every company. Just one form gets insurance cost estimates from car insurance companies with the best prices.
• Another way to find better pricing is to manually visit the website of each company and go through the quote process again. For sake of this example, let’s say you want to compare prices for Liberty Mutual, Allstate and State Farm. To get each rate you have to spend time going to each site individually and repeatedly type in your coverage information, which can take a lot of time.

  For a handy list of car insurance company links in your area, click here.

• The most difficult way to get rate quotes is to spend time driving to different agent offices. Comparing online rate quotes makes this unnecessary unless you’re the type of person who wants the personal advice of a local agent. Although, it is possible comparison shop your insurance online but purchase the actual policy in an agency.

Which method you use is up to you, but make sure you are using nearly identical coverage limits for every company. If each company quotes different limits and deductibles on each one it will be next to impossible to truly determine the lowest rate.

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Do you really save 40% when you switch?

Consumers can’t get away from all the ads that claim the cheapest car insurance rates by Allstate and Progressive. All the companies make the point that you can save after switching your policy.

How is it plausible that every one can charge less that you’re paying now? Just pay attention to how they say it.

All companies quote their best rates for the right customer that earns them the highest profit. For example, this type of risk profile might have to be married and over the age of 30, has other policies, and drives less than 7,500 miles a year. Any new insured who fits that profile receives the best prices and will also save money with a new company.

Drivers who fall short of these criteria will get higher prices and this can result in business going elsewhere. The trick is to say “customers that switch” not “everybody who quotes” will save that much if they switch. That’s why companies can truthfully make claims that they all have the best car insurance rates. Because of these techniques, you should compare rate quotes every year. It is impossible to guess with any certainty which company will give you the biggest savings.

Get lower-cost insurance premiums by understanding these factors

Multiple criteria are used in the calculation when quoting car insurance. Some factors are common sense like a motor vehicle report, but other criteria are more obscure such as your credit history or how financially stable you are.

The items below are some of the major factors that factor into your premiums.

• Cut premiums and deter theft – Choosing to buy a car with a theft deterrent system can save you some money. Anti-theft features such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar help track and prevent auto theft and help lower rates.
• Continuous insurance coverage coverage lowers rates – Not having insurance is a big no-no and any future policy may cost more because you let your insurance coverage expire. Not only will you pay more, being ticketed for driving with no insurance could earn you a steep fine or even jail time. You may then be required to file a SR-22 with your state motor vehicle department.
• Improve your credit history and save – Having a good credit history can be an important factor in calculating your premium rate. If your credit score is lower than you’d like, you could save money insuring your 2004 Saturn ION if you improve your credit rating. People with good credit tend to be better risks to insure than those with worse credit.
• Vehicles with better crash test results save money – Vehicles that have high safety ratings cost less to insure. Safe vehicles reduce injuries and better occupant protection means less money paid by your insurance company and cheaper rates on your policy.

Verify you’re applying every discount

Car insurance companies don’t necessarily list every possible discount in a way that’s easy to find, so the below list has some of the more common and also the more inconspicuous credits that you can use to lower your rates.

• Savings for New Vehicles – Putting insurance on a new car can save up to 30% since new vehicles are generally safer.
• Driver Safety – Taking time to complete a defensive driver course can save you 5% or more and make you a better driver.
• Good Grades Discount – This discount may save as much as 25% on a insurance quote. Most companies allow this discount well after school through age 25.
• Employee of Federal Government – Active or former government employment may reduce rates when you quote insurance on ION coverage depending on your car insurance provider.
• Multiple Cars – Purchasing coverage when you have more than one vehicle on one policy can get a discount on all vehicles.
• ABS Braking Discount – Cars with ABS braking systems or traction control are much safer to drive so companies give up to a 10% discount.
• Early Renewal Discounts – Some insurance companies reward drivers for buying a new policy early. It’s a savings of about 10%.
• Active Service Discounts – Being deployed with a military unit may lower your rates slightly.
• Discount for Passive Restraints – Options like air bags can receive discounts of 20 to 30 percent.
• Policy Bundle Discount – If you can combine your home and auto policy with the same company they may give you a discount of at least 10 to 15 percent or more.

As is typical with insurance, most discounts do not apply to your bottom line cost. Most only apply to individual premiums such as physical damage coverage or medical payments. Just because it seems like all the discounts add up to a free policy, it just doesn’t work that way.

A few popular companies and some of the premium reductions they offer are outlined below.

• Farmers Insurance has discounts for youthful driver, multi-car, electronic funds transfer, teen driver, good student, and distant student.
• Esurance offers discounts for Switch & Save, anti-lock brakes, claim free, good driver, and online shopper.
• State Farm policyholders can earn discounts including passive restraint, driver’s education, student away at school, Steer Clear safe driver discount, accident-free, defensive driving training, and anti-theft.
• Geico may include discounts for multi-vehicle, emergency military deployment, daytime running lights, driver training, and seat belt use.
• Allstate has savings for 55 and retired, auto/life discount, utility vehicle, senior citizen, multi-policy, EZ pay plan discount, and premier plus.

If you want inexpensive insurance quotes, ask each insurance company how you can save money. Savings may not apply to policyholders in your area. To see a list of car insurance companies that can offer you the previously mentioned discounts, click this link.

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When should I discuss my situation with an agent?

When it comes to buying the right insurance coverage for your vehicles, there isn’t really a “best” method to buy coverage. Your needs are not the same as everyone else’s so your insurance needs to address that. These are some specific questions can aid in determining whether or not you would benefit from professional advice.

• What if I owe more than I can insure my car for?
• Does my car insurance cover rental cars?
• Should I file a claim if it’s only slightly more than my deductible?
• Is a new car covered when I drive it off the dealer lot?
• If I drive on a suspended license am I covered?
• What is PIP insurance?
• Is my nanny covered when driving my vehicle?
• Why am I required to buy liability insurance?
• Who is covered by my policy?
• What is no-fault insurance?

If you’re not sure about those questions but one or more may apply to you then you might want to talk to a licensed insurance agent. To find an agent in your area, simply complete this short form or you can go here for a list of companies in your area. It’s fast, free and may give you better protection.

Educate yourself about auto insurance coverages

Knowing the specifics of a auto insurance policy can be of help when determining the right coverages for your vehicles. The coverage terms in a policy can be confusing and even agents have difficulty translating policy wording. Shown next are typical coverages found on most auto insurance policies.

Collision protection

Collision insurance pays to fix your vehicle from damage resulting from a collision with another car or object. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage protects against things like damaging your car on a curb, sustaining damage from a pot hole, colliding with a tree, sideswiping another vehicle and hitting a mailbox. This coverage can be expensive, so consider removing coverage from lower value vehicles. It’s also possible to choose a higher deductible to save money on collision insurance.

Medical expense coverage

Med pay and PIP coverage provide coverage for expenses such as ambulance fees, pain medications and nursing services. They are often used in conjunction with a health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover all vehicle occupants in addition to if you are hit as a while walking down the street. Personal injury protection coverage is only offered in select states and may carry a deductible

Uninsured or underinsured coverage

This coverage protects you and your vehicle when the “other guys” either have no liability insurance or not enough. This coverage pays for injuries sustained by your vehicle’s occupants and damage to your 2004 Saturn ION.

Since a lot of drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. So UM/UIM coverage is a good idea.

Liability coverage

This coverage provides protection from damage or injury you incur to other’s property or people by causing an accident. This coverage 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. You commonly see values of 25/50/25 which means a limit of $25,000 per injured person, a total of $50,000 of bodily injury coverage per accident, and a total limit of $25,000 for damage to vehicles and property.

Liability coverage protects against claims like medical expenses, repair costs for stationary objects, structural damage, loss of income and medical services. The amount of liability coverage you purchase is your choice, but you should buy as high a limit as you can afford.

Comprehensive protection

This coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive insurance covers claims such as hail damage, fire damage, damage from flooding, rock chips in glass and damage from a tornado or hurricane. The maximum amount you’ll receive from a claim is the market value of your vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Save your hard earned cash

As you go through the steps to switch your coverage, it’s not a good idea to buy less coverage just to save a little money. There have been many cases where an accident victim reduced full coverage only to find out that the few dollars in savings costed them thousands. Your goal is to purchase a proper amount of coverage at the lowest possible cost while still protecting your assets.

Lower-priced auto insurance is definitely available both online and from local agencies, and you need to comparison shop both to have the best rate selection. Some insurance providers may not provide rate quotes online and usually these small, regional companies provide coverage only through independent agents.

For more information, take a look at these articles:

• Teen Driver Licensing Information (iihs.org)
• If I File a Claim will My Insurance Go Up? (Insurance Information Insitute)
• Child Safety Seats (Insurance Information Insitute)
• Auto Insurance Basics (Insurance Information Insitute)
• When is the Right Time to Switch Car Insurance Companies? (Allstate)

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