Lower Your 2005 Saturn ION Car Insurance Rates

Are you irritated from paying out the nose to buy auto insurance? Your situation is no different than millions of other people.

People have multiple insurers to buy insurance from, and although it’s nice to have multiple companies, too many choices makes it more difficult to find the best rates for your vehicles.

Finding affordable coverage is easy if you know what you’re doing. If you have car insurance now, you should be able to reduce your rates substantially using these techniques. But vehicle owners must know how the larger insurance companies compete online and use this information to your advantage.

These discounts can lower your insurance quotes

Some providers don’t necessarily list their entire list of discounts very well, so the following list contains some of the more common as well as the least known credits available to bring down your rates.

  • Include Life Insurance and Save – Larger insurance companies have better insurancerates if you take out life insurance from them.
  • No Charge for an Accident – Not really a discount, but companies like Liberty Mutual and Geico permit an accident without raising rates with the catch being you have to be claim-free before the accident.
  • Theft Prevention System – Anti-theft and alarm system equipped vehicles have a lower chance of being stolen and that can save you a little bit as well.
  • Active Military Service – Having a family member in the military may qualify for rate reductions.
  • Low Mileage – Low annual miles can qualify you for discounted insurancerates on garaged vehicles.
  • Federal Employees – Employees or retirees of the government can earn a discount up to 10% on ION insurance depending on your company.
  • Driver’s Education for Students – Make teen driver coverage more affordable by requiring them to enroll in driver’s education in high school.
  • Discount for Multiple Policies – If you insure your home and vehicles and place coverage with the same company you could save over 10 percent off each policy depending on the company.
  • Distant College Student Discount – Children who are enrolled in higher education away from home without a vehicle on campus can receive lower rates.
  • Own a Home – Owning a house can earn you a little savings since owning and maintaining a home demonstrates responsibility.

While discounts sound great, it’s important to understand that most discounts do not apply to the entire policy premium. Most only reduce the cost of specific coverages such as comp or med pay. Despite the appearance that all the discounts add up to a free policy, company stockholders wouldn’t be very happy. Any amount of discount will help reduce the cost of coverage.

Some companies that possibly offer these money-saving discounts include:

When getting free car insurance quotes, it’s a good idea to all the companies to give you their best rates. Some of the discounts discussed earlier may not be offered in your state. To see providers with the best insurance discounts, follow this link.

How to compare car insurance quotes

There are several ways to compare car insurance prices but some are less labor-intensive and much quicker. You could spend the better part of a day driving to agents in your area, or you can utilize the internet to quickly compare rates.

Most major companies participate in an industry program that allows shoppers to complete one form, and each company returns a rated price. This system prevents you from having to do repetitive form submissions for each company you want a rate for.

To fill out one form to compare multiple rates now click to open in new window.

The one downside to using this type of system is that you can’t choose which insurance companies you will receive quotes from. If you prefer to choose specific insurance companies for rate comparison, we have assembled a list of companies who write car insurance in your area. Click here for list of insurance companies.

The approach you take is up to you, just be sure to compare the exact same coverage limits on every quote. If the quotes have different limits and deductibles on each one it’s impossible to find the best deal for your Saturn ION. Slightly different insurance coverages or limits can mean a large discrepancy in price. And when quoting car insurance, remember that obtaining a wide range of quotes helps increase your odds of locating a lower rate. Not every company provides prices over the internet, so it’s recommended that you also compare rates from them, too.

Different people need different car insurance coverages

When choosing the right insurance coverage for your personal vehicles, there really is not a one size fits all plan. Each situation is unique so your insurance should reflect that For example, these questions can help discover if your situation would benefit from an agent’s advice.

  • Is my teenager covered with friends in the car?
  • Should I buy more coverage than the required minimum liability coverage?
  • Why do I only qualify for high-risk insurance?
  • When should I not file a claim?
  • Exactly who is provided coverage by my policy?
  • Does medical payments coverage apply to all occupants?
  • Will my rates increase for filing one claim?
  • Why am I required to get a high-risk car insurance policy?

If you don’t know the answers to these questions but you know they apply to you then you might want to talk to an insurance agent. To find an agent in your area, simply complete this short form or go to this page to view a list of companies.

Detailed coverages of your car insurance policy

Learning about specific coverages of your policy aids in choosing the best coverages and the correct deductibles and limits. Policy terminology can be confusing and reading a policy is terribly boring. Listed below are typical coverage types offered by car insurance companies.

UM/UIM Coverage

This coverage gives you protection when other motorists do not carry enough liability coverage. This coverage pays for injuries sustained by your vehicle’s occupants and also any damage incurred 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 should not be overlooked.

Collision protection

Collision coverage pays to fix your vehicle from damage resulting from a collision with another car or object. A deductible applies and then insurance will cover the remainder.

Collision insurance covers claims such as sustaining damage from a pot hole, scraping a guard rail, damaging your car on a curb and colliding with another moving vehicle. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are older. Drivers also have the option to increase the deductible to bring the cost down.

Medical costs insurance

Med pay and PIP coverage reimburse you for bills for things like EMT expenses, funeral costs, dental work and hospital visits. They can be used to fill the gap from your health insurance plan or if you do not have health coverage. Medical payments and PIP cover all vehicle occupants in addition to being hit by a car walking across the street. Personal Injury Protection is not an option in every state but can be used in place of medical payments coverage

Comprehensive or Other Than Collision

This will pay to fix damage that is not covered by collision coverage. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things like falling objects, vandalism, hitting a deer, damage from a tornado or hurricane and fire damage. The highest amount you can receive from a comprehensive claim is the market value of your vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

Liability coverage

Liability insurance protects you from damage that occurs to other’s property or people in an accident. This insurance protects YOU against claims from other people. It does not cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see policy limits of 50/100/50 that means you have $50,000 in coverage for each person’s injuries, a total of $100,000 of bodily injury coverage per accident, and $50,000 of coverage for damaged propery.

Liability coverage protects against claims like repair costs for stationary objects, attorney fees, funeral expenses, court costs and medical services. How much liability coverage do you need? That is your choice, but you should buy as high a limit as you can afford.

Spend less. Save more.

We’ve covered a lot of techniques to get a better price on 2005 Saturn ION insurance. The key concept to understand is the more companies you get premium rates for, the better chance you’ll have of finding low cost car insurance. You may even discover the lowest car insurance rates come from a small mutual company. Some small companies may often insure only within specific states and give getter rates than the large multi-state companies such as Allstate, Geico and Progressive.

When buying insurance coverage, never skimp on critical coverages to save a buck or two. There are a lot of situations where an insured cut uninsured motorist or liability limits only to discover later that the few dollars in savings costed them thousands. The proper strategy is to buy a smart amount of coverage at the best cost, not the least amount of coverage.

Even more information can be read in the articles below: