2003 Saturn ION Car Insurance Cost – 8 Savings Tips

Locating lower-cost auto insurance on the web might appear rather challenging for people not familiar with shopping for insurance online. With a ridiculous number of online companies available, how are people expected to effectively compare every possible option in order to find the best pricing?

Buying car insurance is not rocket science. In a nutshell, everyone who has to buy insurance stands a good chance to be able to reduce their rates. But car owners can benefit from knowing how companies price insurance differently and use this information to your advantage.

Cheap auto insurance quotes with discounts

Car insurance companies don’t list all disounts very well, so we break down some of the best known in addition to some of the lesser obvious auto insurance savings. If you do not double check each discount you qualify for, you could be getting lower rates.

  • Club Memberships – Being in certain professional organizations could earn you a nice discount on your next auto insurance statement.
  • 55 and Retired – Older drivers can possibly qualify for reduced rates on ION coverage.
  • New Car Discount – Adding a new car to your policy can save up to 30% because newer models keep occupants safer.
  • Defensive Driver Discounts – Participating in a course that instructs on driving safety could save 5% or more if you qualify.
  • Federal Employees – Having worked for a branch of the government may qualify for a discount when you quote insurance on ION coverage with some auto insurance companies.
  • College Student Discount – Any of your kids who attend college more than 100 miles from home and won’t have access to an insured vehicle may be able to be covered for less.
  • Renewal Discounts – Select auto insurance companies give a discount for switching policies prior to the expiration date on your current policy. It’s a savings of about 10%.
  • Multi-Vehicle Discounts – Drivers who insure multiple cars or trucks on the same auto insurance policy can reduce rates for all insured vehicles.

Consumers should know that some of the credits will not apply to the overall cost of the policy. Some only apply to the cost of specific coverages such as liability, collision or medical payments. Despite the fact that it seems like all those discounts means the company will pay you, insurance companies wouldn’t stay in business.

Popular auto insurance companies and some of their more popular discounts are shown below.

  • American Family discounts include mySafetyValet, air bags, good student, early bird, multi-vehicle, TimeAway discount, and good driver.
  • Farm Bureau policyholders can earn discounts including 55 and retired, multi-vehicle, multi-policy, good student, and driver training.
  • State Farm offers discounts for safe vehicle, Steer Clear safe driver discount, accident-free, anti-theft, passive restraint, and Drive Safe & Save.
  • Travelers includes discounts for continuous insurance, multi-car, new car, hybrid/electric vehicle, good student, payment discounts, and early quote.
  • The Hartford may have discounts that include driver training, vehicle fuel type, bundle, defensive driver, and anti-theft.
  • GEICO offers premium reductions for good student, daytime running lights, multi-policy, membership and employees, driver training, seat belt use, and multi-vehicle.
  • Progressive has discounts for multi-vehicle, good student, online quote discount, homeowner, and multi-policy.

Before buying, ask each company which discounts you may be entitled to. All car insurance discounts may not be offered in your state. If you would like to choose from a list of insurance companies with significant discounts, follow this link.

Ways to get auto insurance quotes

Most companies such as 21st Century, Allstate and State Farm give coverage price quotes online. This process is possible for anyone as you simply enter as requested by the quote form. Once entered, the system obtains your credit score and driving record and provides a quote determined by many factors.

Online quotes makes it a lot easier to compare rates but the work required to visit different websites and complete many quote forms is not the best way to spend an afternoon. Unfortunately, it is important to perform this step if you want to find better auto insurance pricing.

There is an easier way to compare rates

A more efficient way to compare rates utilizes a single form that analyzes rates from several companies at one time. The form is fast, eliminates repetitive work, and makes online price comparison a little more enjoyable. As soon as you send your information, it gets priced with multiple companies and you can pick any or none of the quote results. If one or more price quotes are lower than your current rates, it’s easy to complete the application and buy the new coverage. The entire process takes 15 minutes at the most and you’ll know if lower rates are available.

In order to use this form to compare rates, simply click here to open in new window and begin entering your coverage information. If you have your current policy handy, we recommend that you enter exactly as they are listed on your policy. This helps ensure you are getting comparison quotes for similar insurance coverage.

Tailor your car insurance coverage to you

When it comes to buying the best car insurance coverage, there really is no single plan that fits everyone. Every situation is different.

For instance, these questions can aid in determining if you would benefit from professional advice.

  • Do I have coverage when pulling a U-Haul trailer?
  • Am I covered if I crash into my own garage door?
  • What is the ISO rating for a 2003 Saturn ION?
  • Can my teen driver be rated on a liability-only vehicle?
  • Is upholstery damage covered by car insurance?
  • Where can I find DUI or SR-22 insurance?

If it’s difficult to answer those questions but one or more may apply to you, then you may want to think about talking to an insurance agent. If you want to speak to an agent in your area, fill out this quick form.

Auto insurance coverages and their meanings

Learning about specific coverages of auto insurance can be of help when determining the best coverages and proper limits and deductibles. The terms used in a policy can be ambiguous and nobody wants to actually read their policy.


Liability insurance will cover damage or injury you incur to a person or their property in an accident. Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have limits of 50/100/50 which means a limit of $50,000 per injured person, a per accident bodily injury limit of $100,000, and $50,000 of coverage for damaged propery.

Liability coverage pays for claims such as bail bonds, repair costs for stationary objects, court costs and attorney fees. The amount of liability coverage you purchase is up to you, but consider buying as large an amount as possible.

Collision protection

Collision insurance will pay to fix damage to your ION caused by collision with another vehicle or an object, but not an animal. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision can pay for things such as sustaining damage from a pot hole, crashing into a ditch and hitting a mailbox. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Another option is to raise the deductible to save money on collision insurance.

Med pay and Personal Injury Protection (PIP)

Coverage for medical payments and/or PIP kick in for expenses like chiropractic care, funeral costs and ambulance fees. The coverages can be used to fill the gap from your health insurance program or if there is no health insurance coverage. Coverage applies to all vehicle occupants in addition to if you are hit as a while walking down the street. Personal injury protection coverage is not available in all states and gives slightly broader coverage than med pay

Uninsured/Underinsured Motorist (UM/UIM)

This coverage provides protection from other drivers when they are uninsured or don’t have enough coverage. This coverage pays for injuries to you and your family as well as damage to your 2003 Saturn ION.

Since many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages should not be overlooked.

Comprehensive insurance

This coverage covers damage that is not covered by collision coverage. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things such as hitting a bird, damage from a tornado or hurricane, damage from getting keyed, rock chips in glass and vandalism. The most a auto insurance company will pay at claim time 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.

A fool and his money are soon parted

As you prepare to switch companies, make sure you don’t buy lower coverage limits just to save a few bucks. There are many occasions where consumers will sacrifice physical damage coverage and discovered at claim time that saving that couple of dollars actually costed them tens of thousands. The aim is to purchase a proper amount of coverage at an affordable rate, not the least amount of coverage.

A few companies do not offer price quotes online and usually these small insurance companies only sell coverage through independent agents. Low-cost 2003 Saturn ION insurance can be sourced both online and with local insurance agents, so you should be comparing quotes from both in order to have the best price selection to choose from.

In this article, we presented a lot of information how to compare 2003 Saturn ION insurance car insurance rates online. It’s most important to understand that the more rate comparisons you have, the better likelihood of getting cheap insurance. You may even discover the best car insurance rates are with a smaller regional carrier.

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Comments About 2003 Saturn ION Insurance

  1. Emmitt Cooley

    From northwest of Springfield, MO. Got prices from AAA, MetLife, and some smaller one I can’t remember the name of for my 2003 Saturn ION and cut my rates about $80 a year. Was with Auto-Owners. I got prices on the web. I don’t have comp or collision coverage.

  2. Alanna Hurst

    I can’t pay high rates. Live in Charlotte, North Carolina. Received quotes from Hanover, American Family, Mercury, and a couple others for my 2003 Saturn ION and I think I am saving around $30 each month. Left Allstate to switch. BTW speeding tickets are not good. I dropped full coverage awhile back.

  3. Katie Sheppard

    Will State Farm insure with a DUI in New Orleans, LA?

  4. Juliana Harding

    This is too expensive. I’m just west of Pittsburgh, PA. Got car insurance rates from USAA, AAA, GMAC, and Sentry for my ION and saved $66 a year. Just waiting to see how claims go.

  5. Tessa Britt

    Will GEICO raise rates for a windshield claim?

  6. Beau Rivas

    Like your site, BTW. I live south of Rio Rancho, NM. Received quotes from Hartford, Auto-Owners, MetLife, and a couple others for my ION and saved just over $110 a year. I have a teen driver too.

  7. Loni Park

    I live on the south side of Dallas, TX. Received quotes from State Farm, American Family, and Farmers for my ION and saved $103 a year. Left Eastwood to switch. Just waiting to see how claims go.

  8. Daisey Diaz

    I got a good deal I think. I’m from Lewiston, ME. Got car insurance quotes with Hartford, AIG Insurance, Mercury, and a couple others for my Saturn and saved $63 a year. Just waiting to see how claims go.

  9. Destiny Powers

    I’m in Bridgeport, Connecticut. Can’t remember who all I quoted but I ended up saving about $30 each month. Teenage drivers are expensive! It’s still not cheap enough.

  10. Corazon Bridges

    I chose to switch to Progressive from Amica. I live in Columbus, OH. Left AIG Insurance to switch. I’m a pretty low risk driver. I quoted rates online then called them. Liability only on my Saturn.

  11. Mi Duffy

    Hope my car insurance gets cheaper. From a town just southwest of Juneau, AK. I quoted with 21st Century, Esurance, and Liberty Mutual for my Saturn and saved just over $90 a year. They have a lot of discounts available. Bought it from an online quote.

  12. Dong Aguirre

    Proud to be from New Orleans, LA. Quoted a bunch of companies. Saved darn near $20 a month. State Farm was the most affordable for me. Left AIG Insurance to switch. Have an at-fault accident tho. Not sure if rates are cheaper online or through an agent.