Compare 2006 Saturn ION Car Insurance Cost

Want the cheapest insurance rates for your Saturn ION? Sick and tired of sacrificing each month for insurance? You are in the same boat as many other consumers.

Having so many choices, it can be diffult for drivers to pick the lowest cost insurance company.

It’s important to price shop coverage quite often due to the fact that insurance prices are constantly changing. Even if you got the best deal on ION coverage on your last policy you will most likely find a better rate today. Forget all the misinformation about insurance because I’m going to teach you the only way to save on insurance.

How to buy insurance online

When looking for cheap car insurance quotes, there are a couple ways to get quotes from different insurance companies. The easiest way to find competitive 2006 Saturn ION insurance rates consists of shopping online. This can be accomplished using a couple different methods.

1. The best way to get quotes for comparison would be an industry-wide quote request form like this one (opens in new window). This quick form prevents you from having to do repetitive form submissions for every prospective company. One simple form gets you coverage quotes from insurance companies with the best prices.
2. Another way to compare rate quotes is going to each company’s website and repeat the quote process again and again. For instance, we’ll pretend you want to get rates from USAA, Safeco and Farmers. To find out each rate you need to take the time to go to each site and enter your policy data, which can get rather old. To view a list of companies in your area, click here.

Whichever method you choose, double check that you are using the same coverage information for every quote you compare. If each company quotes differing limits it will be next to impossible to make a fair comparison for your Saturn ION. Quoting even small variations in insurance coverages or limits could throw off the whole comparison. And when comparison shopping, comparing more quotes provides better odds of finding the best price.

Enter your zip code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

Double check you’re getting these money-saving discounts

Some providers don’t always list every discount they offer very clearly, so the next list breaks down some of the more common and also the more inconspicuous discounts you could be receiving when you buy car insurance online.

• Driving Data Discount – Insureds that choose to allow data collection to study when and where they use their vehicle by using a telematics device such as State Farm’s In-Drive could possibly reduce rates as long as the data is positive.
• ABS and Traction Control Discounts – Cars that have steering control and anti-lock brakes are safer to drive so companies give up to a 10% discount.
• Save with More Vehicles Insured – Buying a policy with primary and secondary vehicles with one company may reduce the rate for each vehicle.
• Organization Discounts – Belonging to qualifying employment or professional organizations may earn a discount on your next insurance statement.
• Life Insurance Discount – Not all companies offer life insurance, but some may give you a break if you buy a life insurance policy as well.
• Distant Student Discount – Youth drivers who are attending college and won’t have access to an insured vehicle can receive lower rates.
• Discounts for Responsible Drivers – Drivers without accidents may save up to 50% more on ION coverage as compared to drivers with claims.
• Homeowners Savings – Simply owning a home can get you a discount since home ownership is proof that your finances are in order.
• Early Signing – Some insurance companies give discounts for signing up before your current expiration date. This can save 10% or more.
• Student Discount for Driver Training – Teen drivers should successfully complete driver’s ed class if it’s offered in school.

As a sidenote, most of the big mark downs will not be given to the entire policy premium. Some only reduce specific coverage prices like collision or personal injury protection. So even though it sounds like all those discounts means the company will pay you, it’s just not the way it works.

A few of the larger companies and a summarized list of policyholder discounts are:

• Geico discounts include anti-theft, membership and employees, air bags, multi-policy, federal employee, driver training, and five-year accident-free.
• Mercury Insurance includes discounts for anti-theft, age of vehicle, ease of repair, multi-car, low natural disaster claims, and type of vehicle.
• Farmers Insurance offers discounts including switch companies, early shopping, electronic funds transfer, youthful driver, mature driver, and pay in full.
• Auto-Owners Insurance offers discounts for company car, anti-theft, good student, teen driver, and student away at school.
• Liberty Mutual has discounts for safety features, preferred payment discount, new vehicle discount, new graduate, hybrid vehicle, and teen driver discount.
• SAFECO offers premium reductions for drive less, anti-theft, anti-lock brakes, accident prevention training, safe driver, and teen safety rewards.
• Progressive may offer discounts for multi-policy, homeowner, continuous coverage, multi-vehicle, good student, online quote discount, and online signing.
• USAA policyholders can earn discounts including good student, military installation, family discount, multi-vehicle, and driver training.

Check with each company or agent what discounts are available to you. A few discounts might not apply in your area.

Do I need special coverages?

When it comes to choosing the best insurance coverage coverage for your vehicles, there is no single plan that fits everyone. Coverage needs to be tailored to your specific needs so your insurance needs to address that. These are some specific questions may help you determine whether your personal situation may require specific advice.

• Should I buy full coverage?
• What if I owe more than I can insure my car for?
• Is motorclub coverage worth it?
• What exactly is covered by my policy?
• Can my babysitter drive my car?
• If I drive on a suspended license am I covered?

If you’re not sure about those questions but one or more may apply to you, you may need to chat with an agent. To find an agent in your area, complete this form or click here for a list of insurance coverage companies in your area.

Educate yourself about car insurance coverages

Knowing the specifics of car insurance aids in choosing appropriate coverage for your vehicles. The terms used in a policy can be impossible to understand and even agents have difficulty translating policy wording. These are the normal coverages offered by car insurance companies.

Uninsured/Underinsured Motorist (UM/UIM)

This coverage protects you and your vehicle from other drivers when they either are underinsured or have no liability coverage at all. This coverage pays for medical payments for you and your occupants as well as damage to your Saturn ION.

Due to the fact that many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is important protection for you and your family. Most of the time these limits are set the same as your liablity limits.

Med pay and Personal Injury Protection (PIP)

Med pay and PIP coverage provide coverage for expenses such as dental work, EMT expenses and prosthetic devices. They are often used to cover expenses not covered by your health insurance program or if you lack health insurance entirely. Medical payments and PIP cover all vehicle occupants in addition to any family member struck as a pedestrian. PIP coverage is only offered in select states but can be used in place of medical payments coverage

Auto collision coverage

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

Collision coverage pays for claims like colliding with a tree, sideswiping another vehicle and damaging your car on a curb. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are 8 years or older. Another option is to choose a higher deductible to save money on collision insurance.

Comprehensive insurance

This will pay to fix damage OTHER than collision with another vehicle or object. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims such as hitting a deer, hail damage and vandalism. The maximum amount your car insurance company will pay is the market value of your vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Liability coverages

Liability coverage protects you from damage or injury you incur to a person or their property. It protects YOU against claims from other people, and doesn’t cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have liability limits of 100/300/100 that translate to $100,000 bodily injury coverage, a total of $300,000 of bodily injury coverage per accident, and property damage coverage for $100,000. Occasionally you may see a combined single limit or CSL that pays claims from the same limit with no separate limits for injury or property damage.

Liability can pay for things like attorney fees, structural damage, funeral expenses and repair bills for other people’s vehicles. How much coverage you buy is a personal decision, but buy higher limits if possible.

Enter your zip code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

Money doesn’t grow on trees

Discount 2006 Saturn ION insurance is attainable both online as well as from independent agents, and you should compare rates from both to get a complete price analysis. Some insurance companies may not have the ability to get quotes online and these small, regional companies only sell coverage through independent insurance agents.

When getting car insurance quotes online, you should never reduce coverage to reduce premium. In too many instances, an insured dropped comprehensive coverage or liability limits to discover at claim time they didn’t have enough coverage. Your goal should be to purchase plenty of coverage for the lowest price and still be able to protect your assets.

In this article, we presented a lot of ways to save on 2006 Saturn ION insurance. The most important thing to understand is the more companies you get premium rates for, the better likelihood of getting inexpensive car insurance. Consumers could even find that the best car insurance rates are with a small mutual company. These companies can often insure niche markets at a lower cost compared to the large companies like Progressive and Geico.

Other resources

• Older Driver Statistics (Insurance Information Insitute)
• Safety Tips for Teen Drivers (Insurance Information Insitute)
• Keeping Children Safe in Crashes Video (iihs.org)
• Understanding your Policy (NAIC.org)
• What are my Rights when Filing a Claim? (Insurance Information Insitute)

Enter your zip code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption