1. Vehicles
  2. Saturn
  3. ION
  4. 2004 Model Year

2004 Saturn ION Insurance Rates

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

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 ...

Full Bio →

Written by

UPDATED: Feb 26, 2020

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Trying to find cheaper auto insurance rates for your Saturn ION? Searching for cheaper insurance for a Saturn ION can normally be a lot of work, but you can follow these tips to make it easier. There is a right way and a wrong way to find auto insurance online so we’re going to tell you the proper way to quote coverages for a Saturn and obtain the lowest possible price.

The quickest method to compare car insurance rates is to know the fact most larger insurance companies pay for the opportunity to compare rate quotes. All consumers are required to do is take a few minutes to give details like how much coverage you want, how you use your vehicles, the make and model of your vehicles, and if you are currently licensed. Your rating data gets transmitted to multiple different insurance companies and you will receive price estimates almost instantly.

To compare rates for a Saturn ION now, click here and find out if lower rates are available.

You probably qualify for some discounts

Auto insurance companies don’t always publicize every discount very well, so we took the time to find some of the more common and the more hidden car insurance savings. If you don’t get every credit you qualify for, you are throwing money away.

  • Multi-policy Discount – When you have multiple policies with the same insurance company you may save approximately 10% to 15%.
  • Auto/Life Discount – Larger companies have a break if you buy a life insurance policy as well.
  • Lower Rates for Military – Having a family member in the military can result in better rates.
  • Drive Less and Save – Keeping the miles down on your Saturn could qualify for discounted rates on garaged vehicles.
  • Early Signing – A few companies offer discounts for signing up prior to your current policy expiring. This can save 10% or more.
  • Anti-theft System – Vehicles with anti-theft systems are stolen less frequently and qualify for as much as a 10% discount.
  • Multiple Vehicles – Buying insurance for multiple vehicles on one policy could earn a price break for each car.
  • No Accidents – Good drivers with no accidents pay less as compared to accident-prone drivers.
  • Federal Government Employee – Simply working for the federal government may qualify you for a discount for ION insurance with certain companies.

Keep in mind that many deductions do not apply to your bottom line cost. Most only apply to the price of certain insurance coverages like comp or med pay. So even though they make it sound like you would end up receiving a 100% discount, car insurance companies aren’t that generous.

To see a list of insurers with the best car insurance discounts, follow this link.

There’s no such thing as the perfect policy

When buying adequate coverage for your vehicles, there isn’t really a cookie cutter policy. Coverage needs to be tailored to your specific needs.

These are some specific questions might point out if your insurance needs may require specific advice.

  • Why is insurance for a teen driver so high?
  • Is my 2004 Saturn ION covered for flood damage?
  • Will my insurance pay for OEM parts?
  • Does coverage extend to a rental car in a foreign country?
  • How do I insure my teen driver?
  • Are my friends covered when driving my car?

If you don’t know the answers to these questions then you might want to talk to a licensed insurance agent. To find an agent in your area, simply complete this short form. It’s fast, doesn’t cost anything and you can get the answers you need.

Free Auto Insurance Comparison

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

 Secured with SHA-256 Encryption

Factors that might impact rates for a Saturn ION

An important part of buying insurance is that you know some of the elements that help determine insurance coverage rates. Knowing what influences your rates enables informed choices that could result in lower insurance coverage prices.

  • Marriage brings a discount – Being married can get you a discount when buying insurance coverage. Having a significant other means you’re more mature and responsible and it’s statistically proven that being married results in fewer claims.
  • Your car’s features help determine rates – Owning a car with a theft deterrent system can help bring down rates. Theft prevention features such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar can help prevent your vehicle from being stolen.
  • Do you know your deductibles? – Physical damage deductibles define the amount you are required to spend if you file a covered claim. Coverage for physical damage, termed comprehensive and collision coverage on your policy, insures against damage to your car. Some examples of claims that would be covered are running into the backend of another car, damage caused by hail, and windstorm damage. The higher the amount the insured has to pay upfront, the less your company will charge you for insurance for ION insurance.
  • Better credit means lower rates – Credit score is a big factor in your rate calculation. People with excellent credit tend to be more responsible than those with lower credit ratings. So if your credit rating is low, you could save money insuring your 2004 Saturn ION by spending a little time repairing your credit.
  • Higher safety ratings means cheaper insurance – Safer cars are cheaper to insure. Safer cars reduce injuries and better occupant protection translates into savings for insurance companies and thus lower rates. If the Saturn ION has ratings of a minimum an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website it may be receiving lower rates.
  • Lower rates come with age – Young drivers have a tendency to be less responsible in a vehicle so they pay higher insurance coverage rates. Mature drivers tend to be more responsible, tend to file fewer claims and are safer drivers.
  • Do men or women drive better? – Statistics have proven women tend to be less risk to insure than men. That doesn’t necessarily mean that women are BETTER drivers than men. Women and men are in accidents in similar numbers, but the males cause more damage. They also get more serious tickets such as DWI and reckless driving. Teenage male drivers are most likely to cause an accident and therefore are the most expensive to insure.

Car insurance coverage breakdown

Knowing the specifics of your policy helps when choosing the right coverages at the best deductibles and correct limits. The coverage terms in a policy can be confusing and nobody wants to actually read their policy.

Coverage for collisions

This pays for damage to your ION from colliding with another car or object. You have to pay a deductible then your collision coverage will kick in.

Collision can pay for things like crashing into a building, colliding with another moving vehicle, hitting a mailbox and sideswiping another vehicle. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are older. It’s also possible to raise the deductible to get cheaper collision coverage.

Med pay and Personal Injury Protection (PIP)

Med pay and PIP coverage pay for bills for things like pain medications, hospital visits, nursing services and prosthetic devices. The coverages can be used in conjunction with a health insurance plan or if you lack health insurance entirely. 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 is only offered in select states but can be used in place of medical payments coverage

Comprehensive insurance

This coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims like hitting a bird, falling objects and vandalism. The most your car insurance company will pay is the market value of your vehicle, so if the vehicle’s value is low consider dropping full coverage.

Uninsured/Underinsured Motorist (UM/UIM)

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other drivers when they are uninsured or don’t have enough coverage. Covered losses include injuries to you and your family and damage to your Saturn ION.

Because many people have only the minimum liability required by law, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Liability coverages

Liability coverage provides protection from damage or injury you incur to other’s property or people. It protects YOU from legal claims by others. It does not cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show policy limits of 50/100/50 that translate to $50,000 bodily injury coverage, a limit of $100,000 in injury protection per accident, and a limit of $50,000 paid for damaged property.

Liability coverage protects against claims like emergency aid, loss of income, legal defense fees, bail bonds and funeral expenses. How much liability coverage do you need? That is your choice, but you should buy as much as you can afford.

Best coverage at the best price

We covered a lot of techniques to compare 2004 Saturn ION insurance prices online. The most important thing to understand is the more rate quotes you have, the better likelihood of reducing your rate. Consumers could even find that the best price on insurance is with some of the lesser-known companies.

Budget-conscious insurance can be sourced online as well as from independent agents, and you need to comparison shop both in order to have the best price selection to choose from. Some companies don’t offer you the ability to get quotes online and many times these small insurance companies only sell through independent insurance agents.

Insureds leave their current company for any number of reasons including policy cancellation, policy non-renewal, unfair underwriting practices and even poor customer service. It doesn’t matter why you want to switch choosing a new company is less work than it seems.

To learn more, feel free to browse these articles:

Use our FREE quote tool to compare rates now!

Free Auto Insurance Comparison

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

 Secured with SHA-256 Encryption

You May Also Enjoy These Articles