2005 Saturn ION Insurance Cost – 10 Tricks for Cheaper Prices
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UPDATED: Feb 27, 2020
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Searching for the cheapest auto insurance rates for your Saturn ION? Are you sick and tired of trying to scrape together enough money to buy car insurance? You’re in the same situation as many other drivers.
There is such a variety of car insurance companies to choose from, and although it’s nice to be able to choose, it can be more challenging to compare rates.
You should take the time to get comparison quotes on a regular basis because prices trend upward over time. Just because you had the best price for ION coverage two years ago there may be better deals available now. So forget anything you know (or think you know) about auto insurance because I’m going to teach you how to quote online to reduce your cost while increasing coverage.
Do you qualify for a discount?
Companies offering auto insurance don’t necessarily list every discount very clearly, so here is a list both the well known and the more hidden savings tricks you should be using.
- Auto/Home Discount – When you have multiple policies with one company you may earn up to 20% off your total premium.
- Drivers Education – Make teen driver coverage more affordable by requiring them to enroll in driver’s education if offered at their school.
- Life Insurance – Some companies give better rates if you take out life insurance.
- Senior Discount – If you’re over the age of 55, you may be able to get a small decrease in premiums for ION coverage.
- Clubs and Organizations – Participating in a qualifying organization could qualify you for a break when shopping for car insurance for ION coverage.
- One Accident Forgiven – Certain companies will allow you to have one accident before hitting you with a surcharge as long as you don’t have any claims for a certain period of time.
- Theft Prevention Discount – Anti-theft and alarm systems are stolen less frequently and therefore earn up to a 10% discount.
- Anti-lock Brake System – Vehicles with anti-lock braking systems are safer to drive and earn discounts up to 10%.
- Discount for Swiching Early – A few companies offer discounts for signing up prior to your current policy expiring. The savings is around 10%.
- Good Student Discount – A discount for being a good student can get you a discount of up to 25%. Earning this discount can benefit you up until you turn 25.
It’s important to understand that some credits don’t apply to all coverage premiums. Most only reduce the cost of specific coverages such as liability and collision coverage. Just because you may think you would end up receiving a 100% discount, companies wouldn’t make money that way.
To see a list of providers with the best car insurance discounts, click here.
What coverages do I need?
When choosing adequate coverage for your vehicles, there isn’t really a one size fits all plan. Each situation is unique and your policy should reflect that. These are some specific questions can aid in determining whether you might need professional guidance.
- Does my policy cover my teen driver if they drive my company car?
- Can I pay claims out-of-pocket if I buy high deductibles?
- Will my vehicle be repaired with OEM or aftermarket parts?
- Do I have any recourse if my insurance company denies a claim?
- Will I be non-renewed for getting a DUI or other conviction?
- Do I have coverage when using my vehicle for my home business?
- How much liability do I need to cover my assets?
- When do I need to add a new car to my policy?
- Do I need rental car coverage?
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Information about specific coverages
Understanding the coverages of car insurance can help you determine appropriate coverage and the correct deductibles and limits. Car insurance terms can be impossible to understand and even agents have difficulty translating policy wording. Shown next are the normal coverages found on most car insurance policies.
Medical expense coverage
Med pay and PIP coverage kick in for short-term medical expenses like chiropractic care, dental work and doctor visits. They are often used in conjunction with a health insurance policy or if there is no health insurance coverage. They cover both the driver and occupants and will also cover if you are hit as a while walking down the street. PIP coverage is not available in all states and gives slightly broader coverage than med pay
Auto collision coverage
Collision insurance will pay to fix 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 things like sideswiping another vehicle, colliding with another moving vehicle and damaging your car on a curb. Collision is rather expensive coverage, so consider removing coverage from lower value vehicles. Another option is to choose a higher deductible to save money on collision insurance.
Auto liability insurance
This coverage can cover damages or injuries you inflict on people or other property that is your fault. Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see values of 25/50/25 which stand for a limit of $25,000 per injured person, a per accident bodily injury limit of $50,000, and $25,000 of coverage for damaged property.
Liability coverage pays for things such as attorney fees, legal defense fees, funeral expenses, medical expenses and bail bonds. How much liability coverage do you need? That is a personal decision, but consider buying as large an amount as possible.
Uninsured or underinsured coverage
This coverage protects you and your vehicle when the “other guys” either are underinsured or have no liability coverage at all. Covered claims include hospital bills for your injuries 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. This is the reason having UM/UIM coverage is important protection for you and your family.
This pays to fix your vehicle from damage from a wide range of events other than collision. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive can pay for things like vandalism, fire damage, damage from a tornado or hurricane, falling objects and rock chips in glass. The maximum payout a car insurance company will pay at claim time is the market value of your vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.
Knowledge is power
Throughout this article, we presented many ways to save on 2005 Saturn ION insurance. The key thing to remember is the more providers you compare, the higher your chance of finding lower rates. Consumers could even find that the lowest premiums are with a lesser-known regional company. Smaller companies can often provide lower rates in certain areas than the large multi-state companies such as State Farm and Allstate.
Budget-conscious insurance can be purchased from both online companies as well as from independent agents, so you should compare both in order to have the best price selection to choose from. Some companies don’t offer the ability to get a quote online and these regional insurance providers work with independent agents.
To read more, feel free to visit the resources below:
- Auto Crash Statistics (Insurance Information Insitute)
- What is Covered by an Auto Insurance Policy? (Insurance Information Insitute)
- Vehicle Insurance in the U.S. (Wikipedia)
- Frontal Crash Tests (iihs.org)
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