Best Tips to Save When Insuring Your Saturn Ion

Feel like you’re a prisoner to an overpriced car insurance policy? Believe me, there are a lot of people just like you who feel imprisoned by their car insurance policy.

With consumers having so many companies and agents to choose from, it can be challenging to pick the most cost effective insurer.

It’s a great practice to check car insurance prices quite often since rates tend to go up over time. Even if you got the lowest rates for Ion insurance six months ago a different company probably has better rates today. Forget anything you know (or think you know) about car insurance because I’m going to let you in on the secrets to the right way to properly buy coverages while reducing your premium.

This information will tell you the best way to quote coverages and some money-saving tips. If you have car insurance now, you will be able to cut costs considerably using these tips. Although vehicle owners must learn how big insurance companies determine prices and use this information to your advantage.

Save big with these discounts

Car insurance is not cheap, but there could be available discounts to help offset the cost. Larger premium reductions will be automatically applied when you complete an application, but some may not be applied and must be asked for in order for you to get them.

• Own a Home – Simply owning a home may earn you a small savings because owning a home requires personal responsibility.
• Pay Now and Pay Less – By paying your policy upfront rather than paying monthly you can actually save on your bill.
• Federal Employees – Employees or retirees of the government can earn a discount up to 10% for Ion insurance with select insurance companies.
• Organization Discounts – Belonging to certain professional organizations could qualify you for a break on your policy for Ion insurance.
• Distant Student – Youth drivers who are attending college without a vehicle on campus can be insured at a reduced rate.
• Save with a New Car – Insuring a new car can be considerably cheaper because new vehicles have to meet stringent safety requirements.
• Auto/Home Discount – When you combine your home and auto insurance with the same company you will save approximately 10% to 15%.
• Defensive Driver – Completing a driver safety course could save 5% or more if your company offers it.
• Theft Prevention Discount – Anti-theft and alarm systems can help prevent theft and qualify for as much as a 10% discount.

It’s important to understand that some of the credits will not apply to the entire policy premium. Some only apply to specific coverage prices like collision or personal injury protection. So when it seems like having all the discounts means you get insurance for free, companies don’t profit that way. But all discounts will bring down the amount you have to pay.

Is my situation unique?

When it comes to choosing adequate coverage for your personal vehicles, there really is not a “best” method to buy coverage. Coverage needs to be tailored to your specific needs so your insurance needs to address that. For example, these questions can aid in determining whether you might need professional guidance.

• How high should my uninsured/underinsured coverage be in my state?
• If my Saturn Ion is totaled, can I afford another vehicle?
• Am I covered if I crash into my own garage door?
• Does my personal auto insurance policy cover using my vehicle for business use?
• Is my nanny covered when driving my vehicle?
• Who is covered when they drive my Saturn Ion?

If you don’t know the answers to these questions but you think they might apply to your situation, you might consider talking to a licensed agent. If you don’t have a local agent, take a second and complete this form or you can also visit this page to select a carrier

Your local neighborhood insurance agent

Some people would rather get advice from a local agent. The best thing about price shopping on the web is that you can obtain lower rates and still choose a local agent. Buying from local businesses is definitely important in smaller rural communities.

To make it easy to find an agent, after completing this simple form, the coverage information is emailed to local insurance agents who will compete for your coverage. There is no need to leave your house since price quotes are sent to the email address you provide. It doesn’t get any easier! You can find better rates and a licensed agent to work with.

Two types of auto insurance agents

If you’re trying to find an insurance agent, there are two different types of agents that differ in how they can insure your vehicles. agents are categorized either independent (non-captive) or captive.

Independent Agencies or Brokers

These agents do not work for one specific company so they can insure your vehicles amongst many companies and potentially find a lower price. If your agent finds better pricing, your agent can switch companies and you won’t have to switch agencies. When searching for an agent, it’s recommended you include several independent insurance agents for the best price selection.

Agency Captives

This type of agents have only one company to place business with and some examples include Liberty Mutual, Allstate, Farmers Insurance or State Farm. They usually cannot shop your coverage around so it’s a take it or leave it situation. They are trained well on their company’s products and that can be a competitive advantage.

For a complete listing of insurance agencies, visit this site.

Choosing an insurance agency shouldn’t rely on just the bottom line cost. Agents should be asked these questions:

• Will your rates increase after a single accident?
• Does the agency support the community they serve?
• Do they carry Errors and Omissions coverage?
• Will you be dealing directly with the agent or with a Custom Service Representative (CSR)?
• Does the agency provide any after hours assistance?
• Is the agent and/or agency licensed to do business in your state?
• Who is covered by the car insurance policy?
• If you have an accident, are you able to get your vehicle repaired at the shop of your choice?

Upon receiving acceptable answers to your questions and an affordable coverage quote, you’ve probably found a car insurance agent that meets your needs to properly service your car insurance policy.

Buy online or local, you save

We just showed you quite a bit of information on how to reduce Saturn Ion insurance prices online. It’s most important to understand that the more providers you compare, the higher the chance of saving money. You may be surprised to find that the best price on car insurance is with a lesser-known regional company. These smaller insurers may have significantly lower rates on certain market segments than their larger competitors like Allstate and Progressive.

As you prepare to switch companies, never skimp on critical coverages to save a buck or two. In many cases, someone sacrificed physical damage coverage and discovered at claim time that a couple dollars of savings turned into a financial nightmare. The ultimate goal is to purchase plenty of coverage at an affordable rate while still protecting your assets.