Lower Your 2007 Saturn ION Insurance Quotes

Getting cheaper auto insurance on the web can seem to be overwhelming for beginners to comparing prices online. With so many insurers available, how are people expected to even start to compare every one to find cheaper auto insurance rates?

Consumers need to price shop coverage every six months because auto insurance prices are rarely the same from one policy term to another. Even if you got the best deal for ION coverage a year ago a different company probably has better rates today. Block out anything you think you know about auto insurance because it’s time to teach you the easiest way to properly buy coverages and cut your premium.

If you are paying for car insurance now, you stand a good chance to be able to reduce your rates substantially using this information. The purpose of this post is to help you learn how car insurance quotes work and some money-saving tips. Although vehicle owners must comprehend how the larger insurance companies sell online because it can help you find the best coverage.

The most recommended method to get rate comparisons is to know the trick most larger insurance companies participate in online systems to provide you with free rate quotes. All consumers are required to do is provide a little information including which vehicles you own, how much coverage you want, marital status, and whether you have decent credit. That rating data is instantly provided to insurance carriers in your area and they provide comparison quotes quickly.

The ad said I’d save $493 a year!

Allstate and Progressive seem to constantly run television, radio, and online ads. All the companies convey the message that you’ll save big after switching to their company. How does each company make almost identical claims? This is the way they can do it.

Insurance providers can use profiling for the type of driver that earns them the most money. A good example of a driver they prefer could possibly be between 30 and 50, has never had a policy lapse, and has excellent credit. Any customer who fits that profile will probably get the lowest car insurance rates and will also pay quite a bit less when switching companies.

Insureds who don’t meet these standards may be forced to pay a more expensive rate with the end result being the prospect going elsewhere. Company advertisements say “people who switch” not “all people who quote” will save that much if they switch. This is how companies can advertise the savings.

Because of this risk profiling, you need to compare rate quotes every year. It is just not possible to predict which insurance coverage company will give you lower rates than your current company.

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

 Secured with SHA-256 Encryption

Lower your insurance coverage rates with discounts

Some providers don’t always advertise every available discount in an easy-to-find place, so we break down a few of the more common and the more hidden discounts you could be receiving when you buy car insurance online.

• ABS and Traction Control Discounts – Cars, trucks, and SUVs with ABS braking systems or traction control prevent accidents and earn discounts up to 10%.
• Multi-Vehicle Discounts – Insuring several vehicles on the same insurance coverage policy qualifies for this discount.
• Passive Restraint Discount – Factory air bags can qualify for discounts of up to 25% or more.
• Seat Belt Discounts – Buckling up and requiring all passengers to buckle their seat belts can save up to 10 percent (depending on the company) on medical payment and PIP coverage.
• Defensive Driver – Participating in a defensive driving course could possibly earn you a 5% discount and make you a better driver.

As a sidenote, some credits don’t apply the the whole policy. Most cut specific coverage prices like collision or personal injury protection. So despite the fact that it appears all the discounts add up to a free policy, insurance coverage companies aren’t that generous. But any discount will bring down your policy premiums.

A list of insurance coverage companies and some of the premium reductions they offer are shown below.

• Geico has discounts for membership and employees, emergency military deployment, multi-policy, defensive driver, daytime running lights, and five-year accident-free.
• Mercury Insurance has savings for good driver, good student, ease of repair, multi-car, and anti-theft.
• Farmers Insurance may have discounts that include bundle discounts, distant student, multi-car, youthful driver, and homeowner.
• Auto-Owners Insurance may offer discounts for anti-theft, company car, paid in full, mature driver, and paperless.
• Liberty Mutual offers discounts including safety features, hybrid vehicle, new move discount, teen driver discount, multi-car, exclusive group savings, and newly married.
• SAFECO offers premium reductions for teen safety rewards, safe driver, bundle discounts, multi-car, drive less, teen safe driver, and anti-theft.
• Progressive offers discounts for good student, multi-policy, multi-vehicle, homeowner, and online quote discount.
• USAA may include discounts for good student, military installation, safe driver, defensive driver, new vehicle, and family discount.

When comparing rates, check with all the companies which discounts they offer. A few discounts might not be offered on policies in your area. To locate providers that offer the discounts shown above, click here.

You are unique and your insurance should be too

When it comes to choosing the best insurance coverage for your vehicles, there isn’t really a “perfect” insurance plan. Everyone’s situation is a little different.

These are some specific questions can aid in determining if your insurance needs may require specific advice.

• Can I pay claims out-of-pocket if I buy high deductibles?
• Where can I find DUI or SR-22 insurance?
• Does my insurance cover damage caused when ticketed for reckless driving?
• Do I have coverage for damage caused while driving under the influence?
• Am I covered if I break a side mirror?
• Is a blown tire covered by insurance?
• What are the financial responsibility laws in my state?
• When would I need additional glass coverage?

If you’re not sure about those questions but one or more may apply to you, then you may want to think about talking to an agent. To find an agent in your area, fill out this quick form.

Car insurance 101

Understanding the coverages of your policy can help you determine which coverages you need at the best deductibles and correct limits. Policy terminology can be confusing and reading a policy is terribly boring.

Collision insurance

This coverage covers damage to your ION from colliding with another vehicle or an object, but not an animal. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for claims such as crashing into a ditch, colliding with a tree, hitting a mailbox, crashing into a building and sideswiping another vehicle. This coverage can be expensive, so consider dropping it from vehicles that are 8 years or older. Drivers also have the option to raise the deductible to save money on collision insurance.

Coverage for medical expenses

Med pay and PIP coverage kick in for bills such as prosthetic devices, surgery and nursing services. They are often used to cover expenses not covered by your health insurance program or if you lack health insurance entirely. Coverage applies to you and your occupants and will also cover getting struck while a pedestrian. Personal Injury Protection is not available in all states but can be used in place of medical payments coverage

Liability auto insurance

Liability insurance can cover damages or injuries you inflict on other people or property that is your fault. It protects you from claims by other people, and doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have values of 100/300/100 that translate to a $100,000 limit per person for injuries, a limit of $300,000 in injury protection per accident, and a total limit of $100,000 for damage to vehicles and property. Occasionally you may see one limit called combined single limit (CSL) which provides one coverage limit and claims can be made without the split limit restrictions.

Liability insurance covers claims such as bail bonds, medical expenses, legal defense fees and pain and suffering. How much liability should you purchase? That is a decision to put some thought into, but you should buy as large an amount as possible.

Coverage for uninsured or underinsured drivers

This coverage protects you and your vehicle’s occupants when other motorists either are underinsured or have no liability coverage at all. Covered losses include medical payments for you and your occupants as well as your vehicle’s damage.

Due to the fact that many drivers have only the minimum liability required by law, their limits can quickly be used up. So UM/UIM coverage is important protection for you and your family. Frequently the UM/UIM limits are identical to your policy’s liability coverage.

Comprehensive insurance

Comprehensive insurance coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive can pay for things like theft, a broken windshield, hail damage and vandalism. The maximum amount you’ll receive from a claim is the ACV or actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

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

 Secured with SHA-256 Encryption

Pennies from heaven

Consumers who switch companies do it for any number of reasons including extreme rates for teen drivers, delays in responding to claim requests, high rates after DUI convictions and even an unsatisfactory settlement offer. Regardless of your reason for switching companies, choosing a new company is pretty simple and you could end up saving a buck or two.

When you buy car insurance online, it’s very important that you do not skimp on coverage in order to save money. In many instances, consumers will sacrifice physical damage coverage and found out when filing a claim they didn’t have enough coverage. Your strategy should be to buy enough coverage at an affordable rate while not skimping on critical coverages.

We just covered some good ideas how to reduce 2007 Saturn ION insurance premium rates online. The key thing to remember is the more rate comparisons you have, the higher the chance of saving money. Drivers may discover the best premium rates are with a lesser-known regional company.

Other information

• Collision Insurance Coverage (Nationwide)
• Choosing a Car for Your Teen (State Farm)
• Older Drivers FAQ (iihs.org)
• Smart Auto Insurance Tips (Insurance Information Insitute)
• What Determines the Price of My Auto Insurance Policy? (Insurance Information Insitute)

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

 Secured with SHA-256 Encryption