Cheap 2003 Saturn ION Insurance Rates

Trying to find lower insurance rates for your Saturn ION? Did you make the mistake of buying an underperforming, overpriced insurance policy? Trust us, many consumers feel financially strained by their insurance policy. Because you have many insurance providers from which to choose, it can be challenging to pick the most affordable insurance company.

Earn discounts on insurance

Insurance is not inexpensive, but there’s a good chance there are discounts to help bring down the price. Certain discounts will be triggered automatically at the time of quoting, but a few need to be inquired about prior to getting the savings.

• Telematics Data Discounts – Drivers that enable data collection to study when and where they use their vehicle by installing a telematics device such as In-Drive from State Farm or Allstate’s Drivewise system might get better premium rates if they have good driving habits.
• New Car Discount – Buying insurance on a new vehicle can cost up to 25% less because new model year vehicles have to meet stringent safety requirements.
• Accident Forgiveness Coverage – Not really a discount, but companies like State Farm and Geico will turn a blind eye to one accident without getting socked with a rate hike so long as you haven’t had any claims for a specific time period.
• Distant Student – Kids who attend college more than 100 miles from home and do not take a car to college could qualify for this discount.
• Active Military Service – Having a deployed family member could mean lower prices.
• Pay Early and Save – By paying your policy upfront as opposed to paying monthly you may have a lower total premium amount.
• Safety Restraint Discount – Drivers who always wear seat belts and also require passengers to wear their seat belts could save 15% off PIP or medical payments premium.
• Drivers Education – Require your teen driver to take driver’s ed class if it’s offered in school.
• Discount for Home Ownership – Being a homeowner may trigger a policy discount on insurance because maintaining a house demonstrates responsibility.
• Passenger Safety Discount – Vehicles equipped with air bags or automatic seat belts can receive discounts of more than 20%.

A little disclaimer on discounts, many deductions do not apply to the entire cost. Some only reduce the price of certain insurance coverages like comp or med pay. Despite the fact that it seems like you would end up receiving a 100% discount, companies don’t profit that way. But any discount will reduce your policy cost.

Larger insurance companies and a partial list of their discounts include:

• Progressive discounts include multi-vehicle, multi-policy, online signing, online quote discount, and homeowner.
• AAA may include discounts for pay-in-full, education and occupation, AAA membership discount, multi-policy, and good driver.
• Farmers Insurance policyholders can earn discounts including business and professional, homeowner, youthful driver, distant student, and pay in full.
• Geico offers discounts including multi-policy, daytime running lights, emergency military deployment, anti-lock brakes, military active duty, and membership and employees.
• Esurance includes discounts for multi-car, claim free, online quote, Pac-12 alumni, renters, and homeowner.
• SAFECO has discounts for anti-lock brakes, teen safe driver, safe driver, bundle discounts, multi-car, and anti-theft.
• State Farm may have discounts that include accident-free, student away at school, Drive Safe & Save, driver’s education, passive restraint, and Steer Clear safe driver discount.

Before you buy a policy, ask all the companies how many discounts you can get. Depending on the company, some discounts might not be offered in your area.

Tailor your insurance coverage coverage to you

When it comes to choosing proper insurance coverage, there really is no best way to insure your cars. Every insured’s situation is different so this has to be addressed. Here are some questions about coverages that may help you determine if you might need professional guidance.

• What is an SR-22 filing?
• Does coverage extend to my business vehicle?
• How much liability coverage do I need in my state?
• When would I need rental car insurance?
• How do I insure my teen driver?
• When should I drop full coverage on my 2003 Saturn ION?
• If my 2003 Saturn ION is totaled, can I afford another vehicle?
• Does insurance cover damages from a DUI accident?

If it’s difficult to answer those questions but one or more may apply to you, you might consider talking to an insurance agent. To find lower rates from a local agent, simply complete this short form or go to this page to view a list of companies. It’s fast, doesn’t cost anything and can provide invaluable advice.

Specific coverage details

Having a good grasp of your policy aids in choosing which coverages you need and proper limits and deductibles. Car insurance terms can be difficult to understand and coverage can change by endorsement. Below you’ll find typical coverages available from car insurance companies.

Coverage for medical payments

Med pay and PIP coverage reimburse you for expenses like prosthetic devices, nursing services, X-ray expenses and EMT expenses. The coverages can be utilized in addition to your health insurance plan or if you do not have health coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants and also covers if you are hit as a while walking down the street. PIP coverage is not an option in every state and may carry a deductible

Liability car insurance

Liability coverage protects you from damage that occurs to a person or their property by causing an accident. It protects you against other people’s claims. Liability doesn’t cover your injuries or vehicle damage.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see limits of 100/300/100 that means you have $100,000 bodily injury coverage, a limit of $300,000 in injury protection per accident, and a limit of $100,000 paid for damaged property.

Liability insurance covers things like emergency aid, attorney fees and repair costs for stationary objects. The amount of liability coverage you purchase is a personal decision, but it’s cheap coverage so purchase as much as you can afford.

Comprehensive coverages

Comprehensive insurance coverage pays for damage that is not covered by collision coverage. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive can pay for things such as damage from getting keyed, a broken windshield, vandalism and falling objects. The maximum amount your car insurance company will pay is the ACV or actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Uninsured and underinsured coverage

This provides protection when the “other guys” are uninsured or don’t have enough coverage. This coverage pays for injuries sustained by your vehicle’s occupants as well as damage to your Saturn ION.

Since a lot of drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is a good idea.

Collision insurance

This will pay to fix damage to your ION from colliding with an object or car. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for things like rolling your car, sideswiping another vehicle, driving through your garage door, sustaining damage from a pot hole and hitting a parking meter. Paying for collision coverage can be pricey, so consider removing coverage from lower value vehicles. It’s also possible to increase the deductible in order to get cheaper collision rates.

Make a quick buck

More affordable car insurance can be sourced on the web and from local insurance agents, and you should compare price quotes from both to have the best chance of lowering rates. Some car insurance companies may not provide price quotes online and many times these regional insurance providers work with independent agents.

In this article, we presented many tips how you can shop for 2003 Saturn ION insurance online. The key concept to understand is the more companies you get premium rates for, the better your chances of lowering your premium rates. Consumers may even find the lowest priced car insurance comes from some of the lesser-known companies. They often have lower premium rates on specific markets than their larger competitors like State Farm and Allstate.

To learn more, feel free to visit the resources below:

• A Tree Fell on Your Car: Now What? (Allstate)
• What is Full Coverage? (Allstate)
• Event Data Recorders FAQ (iihs.org)
• Child Safety FAQ (iihs.org)