2006 Saturn ION Car Insurance Rates – 7 Tips for Cheapest Quotes

Trying to find lower insurance rates? Buyers have options when searching for the best price on Saturn ION insurance. They can either spend hours calling around trying to get quotes or leverage the internet to get rate quotes.

There is a right way and a wrong way to compare insurance rates so we’re going to tell you the proper way to compare rates for a Saturn and get the lowest price.

Do you qualify for these seven discounts?

Some companies do not list the entire discount list in an easy-to-find place, so the next list breaks down both well-publicized as well as the least known discounts you could be receiving when you buy insurance coverage online.

  • Online Discount – Certain companies will give you a small discount for buying your policy on the web.
  • More Vehicles More Savings – Buying a policy with several vehicles on a single policy can reduce rates for all insured vehicles.
  • Government Employees – Employees or retirees of the government could qualify for a slight premium decrease on ION insurance depending on your car insurance provider.
  • Sign Early and Save – Select insurance companies give a discount for switching to them early. This discount can save up to 10%.
  • Pay Upfront and Save – If you pay your entire premium ahead of time rather than paying in monthly installments you could save 5% or more.
  • Student in College – Older children who are enrolled in higher education away from home and do not have a car may be insured at a cheaper rate.
  • Cautious Drivers – Insureds without accidents may save up to 50% more on ION insurance compared to rates paid by drivers with frequent claims.

One last thing about discounts, most discounts do not apply to all coverage premiums. Some only reduce the cost of specific coverages such as liability and collision coverage. So when the math indicates having all the discounts means you get insurance for free, car insurance companies aren’t that generous.

A few of the larger companies and the discounts they provide can be read below.

  • Geico includes discounts for emergency military deployment, membership and employees, daytime running lights, seat belt use, multi-vehicle, five-year accident-free, and multi-policy.
  • SAFECO offers discounts for anti-lock brakes, teen safety rewards, homeowner, drive less, and accident prevention training.
  • State Farm discounts include defensive driving training, multiple autos, good student, accident-free, safe vehicle, and Drive Safe & Save.
  • MetLife policyholders can earn discounts including good driver, good student, claim-free, accident-free, defensive driver, and multi-policy.
  • 21st Century may have discounts that include anti-lock brakes, homeowners, early bird, driver training, student driver, and automatic seat belts.
  • Progressive may offer discounts for online quote discount, homeowner, good student, multi-policy, continuous coverage, and online signing.

Check with every prospective company how many discounts you can get. All car insurance discounts might not be available to policyholders in every state. To locate companies who offer online car insurance quotes, click here.

Save $427 a year! What?

Drivers can’t avoid all the ads for the lowest price insurance from the likes of 21st Century, Allstate and State Farm. All the ads make the point about savings after switching to their company.

Is it even possible that every company can have lower policy pricing? Just pay attention to how they say it.

Most companies are able to cherry pick for the type of driver that is profitable for them. A good example of a desirable risk should be between 30 and 50, has never had a policy lapse, and chooses high deductibles. Any customer who fits that profile may get the lowest rates and as a result will probably save if they switch.

Potential customers who do not fit these stringent criteria will probably have to pay higher premium rates which leads to the customer buying from a different company. If you listen closely, the ads state “people that switch” not “everyone who quotes” save that kind of money. That’s why insurance companies can confidently claim big savings.

Because of these techniques, you should do a rate comparison at every renewal. It is just not possible to predict which insurance companies will give you the biggest savings.

Don’t assume everyone needs the same auto insurance coverage

When choosing the right insurance coverage for your vehicles, there isn’t really a perfect coverage plan. Each situation is unique.

These are some specific questions might point out if your insurance needs could use an agent’s help.

  • Am I covered when pulling a rental trailer?
  • How much underlying liability do I need for an umbrella policy?
  • Does coverage extend to my business vehicle?
  • Is my state a no-fault state?
  • When does my teenage driver need to be added to my policy?
  • Is my babysitter covered when using my vehicle?
  • Can I afford to pay high deductible claims out of pocket?

If you’re not sure about those questions, you might consider talking to a licensed insurance agent. If you don’t have a local agent, fill out this quick form. It’s fast, doesn’t cost anything and can provide invaluable advice.

Insurance specifics

Knowing the specifics of your insurance policy aids in choosing appropriate coverage at the best deductibles and correct limits. The coverage terms in a policy can be impossible to understand and reading a policy is terribly boring.

Liability coverage

Liability coverage protects you from injuries or damage you cause to other people or property that is your fault. This coverage protects you from legal claims by others, and does not provide coverage for your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see limits of 25/50/25 which means a $25,000 limit per person for injuries, a per accident bodily injury limit of $50,000, and a limit of $25,000 paid for damaged property. Another option is a combined single limit or CSL that pays claims from the same limit without having the split limit caps.

Liability insurance covers claims such as attorney fees, structural damage and loss of income. How much coverage you buy is up to you, but buy as much as you can afford.

Medical payments coverage and PIP

Med pay and PIP coverage pay for immediate expenses like dental work, pain medications, surgery, funeral costs and chiropractic care. They can be used in conjunction with a health insurance plan or if you lack health insurance entirely. Coverage applies to all vehicle occupants as well as being hit by a car walking across the street. Personal Injury Protection is not available in all states but can be used in place of medical payments coverage

Collision coverage protection

Collision coverage covers damage to your ION resulting 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 claims such as hitting a mailbox, sideswiping another vehicle, hitting a parking meter and damaging your car on a curb. This coverage can be expensive, so consider dropping it from vehicles that are older. Another option is to increase the deductible in order to get cheaper collision rates.

Uninsured/Underinsured Motorist coverage

This protects you and your vehicle’s occupants when the “other guys” either have no liability insurance or not enough. This coverage pays for medical payments for you and your occupants and also any damage incurred to your Saturn ION.

Since many drivers carry very low liability coverage limits, their limits can quickly be used up. So UM/UIM coverage is important protection for you and your family. Normally the UM/UIM limits do not exceed the liability coverage limits.

Comprehensive coverage

Comprehensive insurance coverage pays to fix your vehicle from damage that is not covered by collision coverage. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims such as a tree branch falling on your vehicle, falling objects, rock chips in glass and damage from a tornado or hurricane. The maximum amount you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle’s value is low consider dropping full coverage.

The bottom line

Some auto insurance companies do not offer price quotes online and these small insurance companies work with independent agencies. More affordable auto insurance can be sourced from both online companies and with local insurance agents, and you should be comparing both to have the best chance of lowering rates.

We’ve covered some good ideas how you can shop for 2006 Saturn ION insurance online. It’s most important to understand that the more rate quotes you have, the higher your chance of finding cheaper insurance coverage. Consumers may even find the most savings is with the least-expected company.

When getting insurance coverage quotes online, it’s a bad idea to buy lower coverage limits just to save a few bucks. There are many occasions where consumers will sacrifice physical damage coverage and learned later that saving that couple of dollars actually costed them tens of thousands. Your objective should be to get the best coverage possible for the lowest price, but do not sacrifice coverage to save money.

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