Save on 2007 Saturn ION Insurance Quotes

Want cheaper insurance rates for your Saturn ION? If you are new to getting car insurance quotes online, most likely you are bewildered by the vast assortment of online insurance companies and websites all claiming to save you money.

Consumers should take time to get comparison quotes yearly due to the fact that insurance prices trend upward over time. Even if you think you had the best rates for ION insurance a year ago you can probably find a better premium rate now. Forget anything you know (or think you know) about insurance because we’re going to demonstrate the fastest way to find great coverage at a great price.

Lower-cost insurance coverage quotes with discounts

Insurance can cost an arm and a leg, but you may qualify for discounts that can drop the cost substantially. Certain credits will be shown at the time of purchase, but some may not be applied and must be inquired about prior to receiving the credit.

  • Good Driver Discount – Insureds who avoid accidents can pay as much as 50% less for ION insurance than less cautious drivers.
  • Drive Less and Save – Fewer annual miles on your Saturn may allow you to get substantially lower prices.
  • Student in College – Older children who are attending college and do not have access to a covered vehicle may be insured at a cheaper rate.
  • Memberships – Being in certain professional organizations could earn you a nice discount on your policy.
  • Paperless Signup – Certain larger companies may give you up to $50 for signing up on the web.

You can save money using discounts, but some credits don’t apply to the overall cost of the policy. A few only apply to the cost of specific coverages such as medical payments or collision. Just because you may think having all the discounts means you get insurance for free, insurance coverage companies aren’t that generous.

A few of the larger companies and some of the premium reductions they offer are detailed below.

  • Travelers may offer discounts for IntelliDrive, new car, payment discounts, continuous insurance, save driver, driver training, and good student.
  • 21st Century includes discounts for theft prevention, defensive driver, anti-lock brakes, 55 and older, and teen driver.
  • State Farm may include discounts for anti-theft, driver’s education, student away at school, defensive driving training, passive restraint, Steer Clear safe driver discount, and safe vehicle.
  • Geico policyholders can earn discounts including military active duty, membership and employees, federal employee, driver training, good student, and defensive driver.
  • SAFECO offers premium reductions for drive less, safe driver, multi-car, anti-theft, bundle discounts, and teen safety rewards.
  • AAA discounts include good student, education and occupation, multi-policy, good driver, multi-car, anti-theft, and AAA membership discount.

If you need lower rates, check with all companies you are considering which discounts they offer. Depending on the company, some discounts may not apply in every state. To view insurance coverage companies with discount insurance coverage rates, click this link.

Tailor your car insurance coverage to you

When it comes to buying the right insurance coverage for your vehicles, there isn’t really a single plan that fits everyone. Everyone’s situation is unique.

These are some specific questions could help you determine whether or not you might need an agent’s assistance.

  • Can I still get insurance after a DUI?
  • What happens if I owe more than my 2007 Saturn ION is worth?
  • Does my 2007 Saturn ION qualify for pleasure use?
  • Do I need replacement cost coverage on my 2007 Saturn ION?
  • How high should my medical payments coverage be?
  • Does my insurance cover a custom paint job?
  • Can I afford to pay high deductible claims out of pocket?
  • Do I have newly-aquired coverage?
  • Does my personal policy cover me when driving out-of-state?
  • Is upholstery damage covered by car insurance?

If you don’t know the answers to these questions but a few of them apply, you might consider talking to a licensed insurance agent. To find an agent in your area, fill out this quick form.

Are car insurance companies telling the truth?

Car insurance providers like 21st Century, Allstate and State Farm constantly bombard you with ads on TV and radio. All the ads make the point that drivers can save some big amount if you switch your policy. Is it even possible that every company can offer you a better deal? You have to listen carefully.

All companies have strict underwriting profiles for the type of driver that earns them the highest profit. For example, a profitable risk profile might be between the ages of 30 and 45, has no claims, and insures a new vehicle. A customer who fits those characteristics gets the lowest rates and most likely will save when they switch companies.

Insureds who don’t measure up to these stringent criteria will probably be forced to pay higher premiums which leads to business going elsewhere. The ads say “customers that switch” but not “all drivers who get quotes” can get the lowest rates when switching. That’s the way insurance companies can make the claims of big savings.

That is why you really should compare price quotes frequently. It is just not possible to predict the company that will give you the biggest savings.

Car insurance specifics

Having a good grasp of a car insurance policy can be of help when determining the best coverages and proper limits and deductibles. The terms used in a policy can be difficult to understand and reading a policy is terribly boring.

Auto liability insurance – Liability insurance provides protection from damages or injuries you inflict on other people or property that is your fault. It protects YOU against other people’s claims. Liability doesn’t cover damage sustained by your vehicle in an accident.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show values of 25/50/25 that means you have $25,000 in coverage for each person’s injuries, a per accident bodily injury limit of $50,000, and $25,000 of coverage for damaged propery. Alternatively, you may have one number which is a combined single limit which limits claims to one amount rather than limiting it on a per person basis.

Liability coverage pays for things such as court costs, medical services, attorney fees and structural damage. How much coverage you buy is your choice, but you should buy as high a limit as you can afford.

Uninsured Motorist or Underinsured Motorist insurance – Your UM/UIM coverage protects you and your vehicle’s occupants when other motorists are uninsured or don’t have enough coverage. This coverage pays for injuries to you and your family and also any damage incurred to your Saturn ION.

Since many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is important protection for you and your family. Usually your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Comprehensive coverage (or Other than Collision) – This coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for things such as hail damage, fire damage, falling objects and damage from a tornado or hurricane. The highest amount your car insurance company will pay is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Collision coverage – Collision coverage will pay to fix damage to your ION resulting from a collision with a stationary object or other vehicle. You have to pay a deductible then your collision coverage will kick in.

Collision coverage protects against things such as rolling your car, backing into a parked car, driving through your garage door and colliding with a tree. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are 8 years or older. It’s also possible to increase the deductible to bring the cost down.

Insurance for medical payments – Medical payments and Personal Injury Protection insurance provide coverage for bills for dental work, hospital visits, EMT expenses, X-ray expenses and surgery. The coverages can be used to cover expenses not covered by your health insurance program or if you are not covered by health insurance. It covers both the driver and occupants and will also cover any family member struck as a pedestrian. PIP is not available in all states but can be used in place of medical payments coverage

Make an honest buck

As you prepare to switch companies, never reduce needed coverages to save money. There have been many situations where someone sacrificed liability coverage limits and learned later that a couple dollars of savings turned into a financial nightmare. Your strategy should be to buy a smart amount of coverage at a price you can afford and still be able to protect your assets.

Consumers switch companies for any number of reasons including questionable increases in premium, unfair underwriting practices, poor customer service and lack of trust in their agent. Regardless of your reason, choosing a new company can be pretty painless.

Lower-priced car insurance can be purchased online and also from your neighborhood agents, and you should compare price quotes from both in order to have the best price selection to choose from. Some companies may not offer online quoting and usually these smaller providers only sell coverage through independent agencies.

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