Cheap 2003 Saturn ION Insurance Quotes

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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Written by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

UPDATED: Feb 26, 2020

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Drivers have many options when trying to find the best price on Saturn ION insurance. They can either spend hours contacting agents to get rate comparisons or utilize the internet to get rate quotes. There are both good and bad ways to shop for car insurance and you need to know the quickest way to get price quotes for a Saturn and obtain the lowest price either online or from local insurance agents.

Fast and Easy Insurance Quotes

All major insurance companies allow you to get coverage prices directly from their websites. The process is pretty easy as you just enter the coverages you want into the quote form. After you submit the form the system collects your driving record and credit report and returns a price based on many factors.

Being able to quote online helps simplify price comparisons, but having to visit each company’s website and repetitively fill out multiple forms can get tiresome after awhile. But it’s absolutely necessary to have as many quotes as possible if you are searching for the lowest possible prices on insurance.

A less time-consuming method to lower your rates requires only one form that gets prices from many companies. This type of form saves time, eliminates form submissions, and makes price shopping online a little more enjoyable. Once the form is submitted, it gets priced with multiple companies and you can pick any or none of the price quotes you receive. If you find a better price you can simply submit the application and purchase the new policy. It just takes a couple of minutes and can result in significant savings.

To quickly find out if lower rates are available, click here and submit your coverage information. To compare your current rates, we recommend that you enter your coverages identical to your current policy. This helps ensure you will have rate quotes based on the exact same insurance coverage.

These discounts can lower your rates

Auto insurance companies don’t list every discount very well, so the following is a list of both the well known and the more hidden insurance savings. If you don’t get every credit you deserve, you are paying more than you should be.

  • Resident Student – Any of your kids who live away from home and don’t have a car can receive lower rates.
  • Save with a New Car – Putting insurance coverage on a new car can be considerably cheaper because new vehicles have to meet stringent safety requirements.
  • Payment Method – By paying your policy upfront instead of making monthly payments you may reduce your total bill.
  • Passive Restraints – Vehicles equipped with air bags or automatic seat belts may earn rate discounts of up to 25% or more.
  • Driver Safety – Taking part in a course in driver safety could possibly earn you a 5% discount and easily recoup the cost of the course.
  • Low Mileage – Driving fewer miles can qualify you for a substantially lower rate.
  • Employee of Federal Government – Being employed by or retired from a federal job may qualify you for a discount for ION insurance with a few insurance companies.
  • Good Student Discount – This discount can get you a discount of up to 25%. The discount lasts until age 25.
  • One Accident Forgiven – Some insurance companies will allow you to have one accident without raising rates so long as you haven’t had any claims for a set time period.

Keep in mind that some credits don’t apply to all coverage premiums. The majority will only reduce the price of certain insurance coverages like liability, collision or medical payments. So when the math indicates you could get a free insurance policy, companies wouldn’t make money that way.

For a list of insurers with discount insurance rates, click here.

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Different people need different coverages

When choosing coverage for your personal vehicles, there isn’t really a “best” method to buy coverage. Every insured’s situation is different.

For example, these questions might point out whether or not you would benefit from an agent’s advice.

  • Is motorclub coverage worth it?
  • Should I file a claim if it’s only slightly more than my deductible?
  • Why am I required to buy high-risk coverage?
  • Does insurance cover tools stolen from my truck?
  • How does medical payments coverage work?
  • What can I do if my company denied a claim?
  • Does my medical payments coverage pay my health insurance deductible?
  • Should I bundle my homeowners policy with my auto?
  • Do I need special endorsements for business use of my vehicle?

If you’re not sure about those questions but one or more may apply to you, you may need to chat with a licensed agent. If you don’t have a local agent, fill out this quick form. It only takes a few minutes and can provide invaluable advice.

Coverage specifics

Learning about specific coverages of your car insurance policy can help you determine which coverages you need for your vehicles. Car insurance terms can be impossible to understand and coverage can change by endorsement.

Collision protection

This coverage pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage pays for things such as colliding with a tree, backing into a parked car, rolling your car and sideswiping another vehicle. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Another option is to increase the deductible in order to get cheaper collision rates.

Insurance for medical payments

Coverage for medical payments and/or PIP kick in for immediate expenses such as X-ray expenses, rehabilitation expenses and chiropractic care. They can be used in conjunction with a health insurance program or if there is no health insurance coverage. It covers not only the driver but also the vehicle occupants and will also cover getting struck while a pedestrian. PIP coverage is not universally available and may carry a deductible

Comprehensive coverage (or Other than Collision)

Comprehensive insurance coverage pays to fix your vehicle from damage from a wide range of events other than collision. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive insurance covers things like damage from a tornado or hurricane, damage from flooding, damage from getting keyed and theft. The most you can receive from a comprehensive claim is the cash value of the vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

Uninsured Motorist or Underinsured Motorist insurance

This coverage protects you and your vehicle when the “other guys” are uninsured or don’t have enough coverage. Covered claims include medical payments for you and your occupants and damage to your Saturn ION.

Since many drivers have only the minimum liability required by law, their limits can quickly be used up. So UM/UIM coverage is a good idea.

Liability insurance

Liability coverage provides protection from damage or injury you incur to other people or property by causing an accident. This insurance protects YOU against other people’s claims. 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 policy limits of 100/300/100 which means $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 claims like pain and suffering, repair costs for stationary objects and structural damage. How much coverage you buy is your choice, but consider buying as much as you can afford.

Use our FREE quote tool to compare rates now!

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