2005 Saturn ION Insurance Quotes

Locating low-cost insurance for a new or used Saturn ION could be an all-consuming task, but you can learn our auto insurance buying tips and make it easy.

There are both good and bad ways to shop for auto insurance so you’re going to learn the absolute fastest way to compare rates for your Saturn and locate the lowest possible price either online or from local insurance agents.

You need to check auto insurance prices as often as possible because insurance prices are rarely the same from one policy term to another. Just because you had the lowest quotes for ION insurance last year the chances are good that you can find a lower rate today. There is a lot of bad information regarding auto insurance out there, but I’m going to show you some solid techniques on how to put money back in your pocket.

The quickest method we recommend to compare rate quotes is to know most of the bigger providers will pay a fee to give free rates quotes. The only thing you need to do is provide a little information including what your job is, whether you are married, which vehicles you own, and an estimate of your credit level. Your insurance information gets sent immediately to many different companies and they respond with quotes with very little delay.

To get price quotes for your 2005 Saturn ION now, click here and enter your zip code.

Get affordable car insurance with discounts

Car insurance is neither fun to buy or cheap, but there could be significant discounts to cut the cost considerably. Some discounts will apply at quote time, but a few must be requested specifically prior to receiving the credit.

• Full Payment Discount – By paying your entire bill at once instead of paying each month you could save 5% or more.
• Telematics Data Discounts – Insureds who allow their company to track driving manner through the use of a telematics system such as Snapshot from Progressive or Drivewise from Allstate might see lower rates as long as they are good drivers.
• More Vehicles More Savings – Buying a policy with primary and secondary vehicles on the same car insurance policy can reduce rates for all insured vehicles.
• Professional Memberships – Joining certain professional organizations could trigger savings when shopping for car insurance.
• Discount for Passive Restraints – Vehicles equipped with air bags or automatic seat belts can qualify for discounts as much as 30%.
• No Charge for an Accident – Not really a discount, but some insurance companies will turn a blind eye to one accident without getting socked with a rate hike so long as you haven’t had any claims for a particular time prior to the accident.

Drivers should understand that most of the big mark downs will not be given to all coverage premiums. Most cut the price of certain insurance coverages like liability and collision coverage. So when the math indicates adding up those discounts means a free policy, company stockholders wouldn’t be very happy.

Large car insurance companies and a selection of discounts can be found below.

• American Family may offer discounts for multi-vehicle, defensive driver, good driver, mySafetyValet, good student, accident-free, and bundled insurance.
• Nationwide policyholders can earn discounts including anti-theft, business or organization, good student, Farm Bureau membership, accident-free, and multi-policy.
• MetLife may include discounts for claim-free, accident-free, defensive driver, good student, multi-policy, and good driver.
• 21st Century may have discounts that include anti-lock brakes, automatic seat belts, good student, student driver, driver training, homeowners, and teen driver.
• Farmers Insurance has savings for pay in full, bundle discounts, electronic funds transfer, multi-car, distant student, and early shopping.
• Allstate has discounts for teenSMART discount, anti-lock brakes, EZ pay plan discount, premier discount, farm vehicle, auto/life discount, and defensive driver.

Double check with every company how many discounts you can get. Depending on the company, some discounts might not be offered on policies in your area.

Tailor your insurance coverage coverage to you

When it comes to buying coverage, there is no perfect coverage plan. Your needs are not the same as everyone else’s.

For instance, these questions might help in determining if your situation could use an agent’s help.

• Do I have coverage if my license is suspended?
• Are rental cars covered under my policy?
• Does my insurance cover my expensive audio equipment?
• Should I buy additional glass protection?
• Am I insured when driving a different vehicle?
• Can I get a multi-policy discount?
• Do I need PIP coverage since I have good health insurance?
• Does insurance cover damages from a DUI accident?

If you don’t know the answers to these questions but one or more may apply to you, then you may want to think about 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.

Why smart buyers pay less for Saturn ION insurance

Many factors are used when quoting car insurance. Some are pretty understandable such as your driving record, although some other factors are less apparent such as your marital status or your commute time.One of the most helpful ways to save on auto insurance is to to have a grasp of the factors that aid in calculating your policy premiums. When you know what positively or negatively determines base rates, this allows you to make good choices that will entitle you to cheaper rates.

Shown below are some of the factors used by insurance companies to determine your prices.

• Raise coverage deductibles and save – Comprehensive and collision coverage deductibles define how much you are willing to pay if a covered claim is submitted. Insurance for physical damage, also called comprehensive and collision insurance, insures against damage to your car. Some instances where coverage would apply are a windshield broken by a bird, damage caused by hail, and having a roll-over accident. The more of the claim the insured is willing to pay, the less your auto insurance will be for ION insurance.
• Gender as a rate factor – The statistics show that women are safer drivers than men. However, this does not mean men are WORSE drivers than women. Both genders tend to get into fender benders in similar numbers, but guys have accidents that have higher claims. Not only that, but men also receive more costly citations such as driving while intoxicated (DWI) or driving recklessly.
• Safer cars are cheaper to insure – Safer cars get lower rates. These vehicles reduce the chance of injuries and reduced instances of injuries translates into savings for insurance companies passed on to you as lower rates.
• Employer stress can affect premiums – Did you know your job can affect your rates? Jobs such as judges, social workers and medical professionals have the highest average rates because of job stress and lots of time spent away from family. On the flip side, professions such as scientists, historians and the unemployed pay the least for ION insurance.
• Do you really need to file that claims? – If you file claims often, you can look forward to either a policy non-renewal or much higher rates. Companies give most affordable rates to people that do not abuse their auto insurance. Insurance coverage is meant to be used in the event of larger claims.
• Do thieves like your car? – Selecting a car model with advanced anti-theft systems can help bring down rates. Theft deterrent systems such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar can thwart your vehicle from being stolen.
• Premiums are affected by your credit history – Having a bad credit score will be a significant factor in determining your rates. So if your credit rating is low, you could be paying less to insure your 2005 Saturn ION by spending a little time repairing your credit. People that have good credit tend to be better drivers and file fewer claims than those with worse credit.

Can you really save $488 a year?

Drivers get pounded daily by advertisements for auto insurance savings from companies such as State Farm, Allstate and Geico. They all have a common claim about saving some big amount just by moving to them.

How is it plausible that every one can say the same thing? It’s all in the wording.

Auto insurance companies have strict underwriting profiles for the driver that earns them the highest profit. For instance, a preferred risk could possibly be over the age of 45, has no claims, and drives less than 7,500 miles a year. Anyone who fits those characteristics will get low car insurance rates and as a result will probably save a lot of money.

Drivers who do not fit this ideal profile will get a more expensive rate which translates to the customer not purchasing. If you pay close attention to the ads, they say “customers that switch” but not “everyone who gets a quote” save that much when switching. That is how insurance companies can lure you into getting a quote.

Because of these techniques, you absolutely need to compare rate quotes every year. You cannot predict the company that will have the lowest rate quotes.

Insurance coverage specifics

Having a good grasp of a insurance policy can be of help when determining the best coverages and the correct deductibles and limits. Insurance terms can be confusing and coverage can change by endorsement.

Collision protection

This coverage covers damage to your ION resulting from a collision with a stationary object or other vehicle. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims like driving through your garage door, colliding with a tree, hitting a mailbox, backing into a parked car and scraping a guard rail. Paying for collision coverage can be pricey, so consider removing coverage from lower value vehicles. Another option is to raise the deductible to save money on collision insurance.

Coverage for uninsured or underinsured drivers

Your UM/UIM coverage protects you and your vehicle from other drivers when they either have no liability insurance or not enough. It can pay for hospital bills for your injuries and damage to your Saturn ION.

Since a lot of drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage should not be overlooked. Normally the UM/UIM limits do not exceed the liability coverage limits.

Comprehensive insurance

Comprehensive insurance covers damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things like damage from a tornado or hurricane, damage from getting keyed, hitting a bird, damage from flooding and fire damage. The highest amount you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Auto liability

Liability insurance will cover damages or injuries you inflict on other people or property in an accident. It protects you against other people’s claims, and does not provide coverage for damage to your own property or vehicle.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see values of 25/50/25 which means $25,000 bodily injury coverage, $50,000 for the entire accident, and $25,000 of coverage for damaged propery. Another option is one limit called combined single limit (CSL) which combines the three limits into one amount without having the split limit caps.

Liability insurance covers claims like funeral expenses, medical services, legal defense fees and structural damage. How much liability should you purchase? That is a personal decision, but it’s cheap coverage so purchase higher limits if possible.

Coverage for medical expenses

Coverage for medical payments and/or PIP reimburse you for expenses such as funeral costs, ambulance fees and rehabilitation expenses. They are used to cover expenses not covered by your health insurance plan or if you lack health insurance entirely. Coverage applies to not only the driver but also the vehicle occupants and also covers getting struck while a pedestrian. PIP coverage is only offered in select states and gives slightly broader coverage than med pay

Keep this in mind

Insureds change insurance companies for a number of reasons such as lack of trust in their agent, denial of a claim, unfair underwriting practices or even questionable increases in premium. It doesn’t matter what your reason, finding a new company is not as hard as you think.

We just presented many ideas to lower your 2005 Saturn ION insurance car insurance rates. The key concept to understand is the more price quotes you have, the better chance you’ll have of finding affordable insurance. You may even discover the most savings is with a small local company.

While you’re price shopping online, it’s a bad idea to buy less coverage just to save a little money. There have been many situations where someone sacrificed collision coverage to discover at claim time that their decision to reduce coverage ended up costing them more. Your aim should be to buy the best coverage you can find for the lowest price, but don’t skip important coverages to save money.

To read more, feel free to browse the resources below:

• Where can I buy Insurance? (Insurance Information Insitute)
• Insurance Losses by Make and Model (iihs.org)
• Your Car has been Stolen: Now What? (Allstate)
• Safe Vehicles for Teens (iihs.org)
• Property Damage Coverage (Liberty Mutual)