How Much Does 2006 Saturn ION Car Insurance Cost?

Looking for cheaper insurance rates for your Saturn ION? I can’t think of a single person who enjoys paying for insurance, especially when their premiums are too high.

Due to the large number of choices of insurance companies, it is hard for the average consumer to pick the cheapest insurance provider.

How to buy auto insurance online

The are a couple different ways of comparing rate quotes from many available auto insurance companies in your state. The easiest way by far to do a complete rate comparison consists of obtaining rate quotes online. This is very easy and can be done using a couple different methods.

1. The most efficient method to get the best comparison quotes is a comparison rater form click to view form in new window. This easy form saves time by eliminating separate quotes for every auto insurance company. One quote request gets rate comparisons from many national carriers.
2. Another way to compare prices is going to the website for every company you want to comare and request a quote. For sake of this example, we’ll pretend you need rates from USAA, Progressive and Farmers. In order to compare rates, you need to navigate to each company’s site and punch in your information repeatedly, and that’s why the first method is more popular. For a list of companies in your area, click here.
3. If you have time to kill, the last way to comparison shop is actually driving to and from local insurance agencies. Buying insurance online reduces the need to sit down with an agent unless you have a complicated situation and need the peace of mind of a local agency. Drivers can get the lowest quotes online but buy the policy through an agent.

It’s up to you which method you use, but compare nearly identical coverages and limits for each quote you get. If you compare different data it will be impossible to find the best deal for your Saturn ION. Slightly different insurance coverages or limits can make a big difference in price. And when quoting auto insurance, remember that obtaining a wide range of quotes helps locate more affordable insurance.

Insurance is unique, just like you

When choosing proper insurance coverage, there really is not a best way to insure your cars. Everyone’s needs are different and your policy should reflect that. Here are some questions about coverages that might help in determining whether your personal situation would benefit from professional advice.

• Do I need motorclub coverage?
• When would I need rental car insurance?
• Do I get a pro-rated refund if I cancel my policy early?
• What is the minimum liability in my state?
• Can I pay claims out-of-pocket if I buy high deductibles?
• What is no-fault insurance?
• Does coverage extend to Mexico or Canada?
• Is my vehicle covered by my employer’s policy when using it for work?
• Will I lose any money if I cancel my policy before it expires?
• Can I afford to buy a different vehicle if my 2006 Saturn ION is totaled?

If you’re not sure about those questions but you think they might apply to your situation, you may need to chat with a licensed insurance agent. If you don’t have a local agent, fill out this quick form or you can go here for a list of companies in your area.

Parts of your car insurance policy

Having a good grasp of car insurance can help you determine which coverages you need and the correct deductibles and limits. Car insurance terms can be ambiguous and reading a policy is terribly boring. These are typical coverages found on the average car insurance policy.

Uninsured or underinsured coverage

Uninsured or Underinsured Motorist coverage gives you protection from other motorists when they do not carry enough liability coverage. Covered claims include hospital bills for your injuries and also any damage incurred to your Saturn ION.

Because many people only carry the minimum required liability limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Most of the time the UM/UIM limits are identical to your policy’s liability coverage.

Coverage for collisions

This coverage covers damage to your ION resulting from a collision with an object or car. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers things like hitting a mailbox, crashing into a ditch and colliding with another moving vehicle. 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 in order to get cheaper collision rates.

Liability coverage

Liability coverage protects you from damage that occurs to other people or property. It protects YOU against other people’s claims. It does not cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You might see values of 25/50/25 which means $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and a limit of $25,000 paid for damaged property. Occasionally you may see a combined limit that pays claims from the same limit without having the split limit caps.

Liability can pay for claims like emergency aid, bail bonds, attorney fees and structural damage. How much liability should you purchase? That is a personal decision, but consider buying as high a limit as you can afford.

Medical expense coverage

Personal Injury Protection (PIP) and medical payments coverage pay for expenses for funeral costs, surgery, dental work, doctor visits and EMT expenses. They are utilized in addition to your health insurance policy or if you lack health insurance entirely. It covers all vehicle occupants and also covers any family member struck as a pedestrian. PIP coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Comprehensive protection

This 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 coverage protects against things such as hail damage, damage from a tornado or hurricane, a broken windshield and a tree branch falling on your vehicle. The most you’ll receive from a claim is the cash value of the vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.