Saturn Ion Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Jun 3, 2023

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When the time comes to start comparing Saturn ION insurance rates, you may not know where to begin. The first thing you should know is that Ion insurance can vary depending upon your age, location, and previous driving record.

This comprehensive guide will walk you through exactly how Saturn ION rates are calculated so you can have a firm understanding of what to expect before you start shopping around. 

It’s also important to keep the year of the model and trim level in mind. For example, understanding how much a 2005 Saturn ION is worth will help you understand how much you should pay for insurance on your Saturn ION.

When you’re ready, you can start comparing Saturn ION insurance quotes from multiple companies by taking advantage of our FREE online tool.

You have many choices when attempting to insure your Saturn Ion. You can buy direct from an agent or shop online to compare rates from companies. Shopping for car insurance by quoting online is easy, in addition you can save money.

Consumers not familiar with comparing rates may think buying affordable Saturn Ion insurance is hard. Getting cheaper insurance rates is a fairly straight forward process. The only requirement is to invest a few minutes getting comparison quotes from different insurance companies. This is very easy and can be done by comparing rates here.

Criteria which help determine car insurance premiums

Car insurance premiums paid to insure a Saturn Ion will vary greatly based upon several criteria. A few of these criteria are:

  • The performance level of your Ion
  • Your accident history
  • Whether you insure your home with the same company
  • How you use your vehicle
  • Optional coverages like vehicle replacement
  • Your claim history
  • Maintaining coverage lowers rates
  • Owning a home can lower rates

An additional factor that will help determine Saturn Ion insurance rates is the year of the vehicle. Newer models have a higher replacement value than older models so repair costs are higher which will push premiums up. But newer models may have safety features including adaptive headlights, anti-lock brakes, traction control, and a telematics system so those may lower rates.

Liability coverages

Liability insurance protects you from injuries or damage you cause to a person or their property by causing an accident. Liability insurance covers claims such as funeral expenses, loss of income, and emergency aid. Liability insurance is relatively cheap so you should buy as much as you can afford.

Auto collision coverage

Collision coverage pays for damage to your Ion from colliding with another vehicle or an object, but not an animal. You have to pay a deductible and then insurance will cover the remainder. This coverage can be expensive, so consider dropping it from older vehicles. You can also raise the deductible to save money on collision insurance.

Comprehensive coverages

This pays for damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and then insurance will cover the rest of the damage. The maximum amount a car insurance company will pay at claim time is the actual cash value, so if it's not worth much more than your deductible consider dropping full coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This coverage protects you and your vehicle's occupants when the "other guys" do not carry enough liability coverage. Due to the fact that many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is important protection for you and your family.

Coverage for medical payments

Med pay and PIP coverage provide coverage for bills such as ambulance fees, surgery, and doctor visits. They are often used to cover expenses not covered by your health insurance plan or if there is no health insurance coverage. PIP is not available in all states and gives slightly broader coverage than med pay.

Now that you have a better understanding of how an individual driver’s rates are determined, the next step is to compare Saturn ION insurance rates from multiple providers. When you’re ready, feel encouraged to use our free quote tool below.

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What are the safety ratings of the Saturn ION?

The cost of insurance on a Saturn ION can vary depending upon the safety features and ratings of the particular model you drive.

Take a look at the following crash test ratings with results determined by the National Highway Traffic Safety Administration (NHTSA).

  • Front Driver’s Side: 5 Stars
  • Front Passenger’s Side: 5 Stars
  • Side Barrier (Driver): 3 Stars
  • Side Barrier (Rear Passenger): 4 Stars
  • Rollover: 4 Stars

        For some perspective, five stars is the highest rating administered by the NHTSA.

        Saturn ION Compared Against Other Vehicles in the Same Class

        Experts from the Insurance Institute for Highway Safety (IIHS) classify the Saturn ION as a small four-door sedan. Other similar models include the following:

        When providing you with a quote, insurance companies will consider the loss percentages of the Saturn ION as it compares to other similar models in this class, like the three shown above. 

        The good news is that the Saturn ION reflects a liability loss percentage that is about average for this vehicle class.

        Now that we have gone into great detail about how Saturn ION insurance rates are calculated, is there anything we might have missed? If not, start comparing Saturn ION quotes from top companies by taking advantage of our FREE online tool.

        Free Auto Insurance Comparison

        Enter your zip code below to view companies that have cheap auto insurance rates.

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