2004 Saturn ION - car insurance quotes

How much does it cost to insure a  Saturn ION 3 Quad Coupe 2.196 cc in 2023?

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The average insurance rate is at $1,186 per year for  adults, $1,968 for  teens and $984 for  senior drivers.

How much does 2004 Saturn ION car insurance cost, what is the true cost to own this vehicle in your state and how can you save money on your policy in 2023? Saturn ION (3 Quad Coupe) car insurance rates may vary for the same coverage depending on your location, driving history or by your age, but the types of coverage are basically the same and differs only in details. The average insurance price of a used Saturn ION is above $82 a month ($988 yearly), depending on many variables like your credit score, place you live, driver record and the type and model of Saturn you drive (https://www.gm.com/owner-assistance/saturn/astra.html)! Your actual auto insurance costs could be higher or lower, if your car will be equipped with a number of modern safety and driver assistance features. A typical full coverage insurance policy for your Saturn model with 143 engine should cover liability for injuries or damages, comprehensive coverage that covers damage to your car caused by events that are out of your control and collision (optional - helps pay to repair or replace your Saturn ION if it's damaged in a traffic accident with another car or object), and finally uninsured motorist and medical coverage.

On average, car insurance cost for a 2004 Saturn ION is $82 a month, which is around $988 a year. Get personalised quotes from multiple insurance companies using our FREE service!

How does age of your car affect car insurance costs?

2004 Saturn ION is a 20 years old vehicle. Older vehicles are typically cheaper to insure because they’re less valuable than newer models. On the other hand, newer models of ION (2004) are eligible for many discounts for vehicles loaded with a long list of safety features, technology, anti-theft and driver assistance equipement. The most important safety features, that can earn you an auto insurance discount and are a standard on all modern ION cars include: anti-lock braking systems (ABS), automatic seatbelts, air bags and traction control.

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Saturn ION, 3 Quad Coupe has engine power of 2196 cc, which means it is a medium-powered car. The downside is that high-powered vehicles are often considered more dangerous and therefore may increase premium rates. If you want to lower your car insurance rates, be sure to buy a car that isn't a high performer.

Insurance Company	New Vehicles *	Used Vehicles *
Allied	$729	$703
GEICO	$536	$492
Nationwide	$782	$615
Progressive	$325	$264
State Farm	$439	$325
Texas Farm Bureau	$729	$589
USAA	$580	$492
* Rough estimate for a new vs 20 years old used Saturn ION, 3 Quad Coupe. Your insurance premium will always depend on your driving history, the level of coverage and on the exact models of vehicles you're comparing!

Compare 2004 Saturn ION car insurance quotes and find out who has the cheapest rates in 2023!

Finding the most affordable car insurance for your Saturn, ION is not as hard as it used to be in the past. Here are some facts, that can help you lower auto insurance costs for your model of Saturn (made in 2004) at the best possible rate while maintaining adequate coverage. Choosing top-rated insurer near you, who provides perfect customer services and competitive prices, should be the first step when shopping for better policy. Below are some tips and tricks to help you get affordable Saturn ION auto insurance quotes in 2023 and save money on your vehicle. The truth is that every driver will pay for the same coverage at the same company a completely different price!

How much is car insurance for a 2004 Saturn ION in 2023? As you can see below, the lowest rates are around $878.4, while the highest ones fluctuate around $1844.64 yearly. This price is influenced by many factors, and no single insurer can claim to be the low-price leader.

Insurance Company	Annual Rates (Estimate*)
GEICO	$935
American Family	$914
Erie	$913
Progressive	$1,075
State Farm	$1,184
Auto Owners	$1,052
State Auto	$1,247
Nationwide	$1,213
Farmers	$1,058
Allstate	$1,501
Safe Auto	$1,589
MetLife	$1,695
Victoria	$1,799
Allied	$1,269
Liberty Mutual	$1,513
Encompass	$1,884
* Just a rough estimate for 2004 Saturn ION, 3 Quad Coupe

How to reduce your insurance premium costs?

Many people forget that the type of a car you get (model ION, make Saturn) can have a huge impact on your car insurance costs. Some vehicles, such as: Honda Accord 2023, Toyota Corolla, Ford pickup, Nissan Altima, Toyota Camry 2021, Honda Civic, Ram pickup, Nissan Maxima, Dodge Caravan, Chevrolet pickup, Acura Integra, Cadillac Escalade and many others, are big targets for thieves (at least in 2016 - 2018). A higher deductible for your Saturn, ION will also reduce your premiums because you pay more out of pocket if you have a claim. If you haven't had a traffic violation within 3 and more years and have a very good driving record a higher deductible might be a good bet. So, how can you reduce your insurance policy payments?

• Don't ignore small regional insurers.
• Review your existing coverage and choose a higher deductible.
• Shopping around is the key to saving money on car insurance.
• Negotiate with an agent or directly with auto insurance company.
• Check for 2004 ION car insurance discounts: good/safe driver, good student, multi-policy, homeowner (bundling).
• If you don't qualify for these discounts, explore other options available or switch the insurance company.
• Remember, that having a bad driving record, poor credit score or being a young driver (teen) is considered a risk by all insurance companies.

The most and least expensive 2004 Saturn ION auto insurance rates by state!

How to calculate premium for Saturn ION (2004) car insurance online? By using our insurance calculator, you can determine and calculate the cost of your insurance policy, check the average rates of car insurance for your age and location and find out if you are paying more or less than other people in your area. By reading the table below, you can compare the most and least expensive states for 2004 ION (3 Quad Coupe) car insurance. Calculate your price online and get a free car insurance quote without using sensitive personal information such as your age, credit score, phone number, email or social security number (SSN).

Rank	State	Lowest Rates	Highest Rates
1	Vermont	$659	$922
2	Ohio	$668	$940
3	Idaho	$685	$966
4	Virginia	$712	$1,010
5	Iowa	$738	$1,045
6	New Hampshire	$773	$1,063
7	Wisconsin	$782	$1,089
8	North Dakota	$799	$1,151
9	Indiana	$817	$1,212
10	North Carolina	$834	$1,256
11	Pennsylvania	$843	$1,326
12	Utah	$861	$1,344
13	Maine	$870	$1,370
14	Massachusetts	$887	$1,397
15	Alaska	$896	$1,414
16	Tennessee	$905	$1,449
17	South Dakota	$914	$1,528
18	Nebraska	$922	$1,572
19	Minnesota	$931	$1,599
20	Illinois	$931	$1,625
21	Hawaii	$940	$1,660
22	Alabama	$949	$1,687
23	Oregon	$957	$1,713
24	Missouri	$966	$1,774
25	Washington	$1,010	$1,836
26	South Carolina	$1,019	$1,880
27	Kansas	$1,045	$1,915
28	New Mexico	$1,063	$1,959
29	Arizona	$1,089	$1,976
30	New York	$1,107	$1,985
31	National average	$1,142	$2,012
32	New Jersey	$1,159	$2,073
33	West Virginia	$1,195	$2,091
34	Mississippi	$1,221	$2,117
35	Maryland	$1,247	$2,143
36	Montana	$1,282	$2,187
37	Nevada	$1,309	$2,205
38	Arkansas	$1,326	$2,240
39	Kentucky	$1,335	$2,275
40	Oklahoma	$1,379	$2,301
41	Wyoming	$1,405	$2,319
42	Colorado	$1,441	$2,363
43	Texas	$1,467	$2,380
44	Delaware	$1,502	$2,416
45	Georgia	$1,537	$2,424
46	California	$1,572	$2,451
47	DC	$1,599	$2,468
48	Connecticut	$1,634	$2,495
49	Rhode Island	$1,651	$2,503
50	Florida	$1,678	$2,556
51	Louisiana	$1,713	$2,591
52	Michigan	$1,748	$2,635
* Compare 2004 Saturn ION car insurance rates by location and find out who has the best insurance quotes in your area in 2022 - 2023! Only rough calculation for adults with good credit score, driving history and accident-free driving. Choosing an auto insurance company is difficult, your actual rates may vary since the cost of your policy is influenced by many factors.

Car Insurance for Teens, Young Drivers, Students, Seniors

Is it a good idea for a young driver to drive a car like 2004 Saturn ION (electronically controlled automatic, semi-automatic, continuously variable transmissions (CVTs) transmission, basic rpm)? For insurers, teens are some of the high-risk drivers so you can expect car insurance rates to go up when you add a teen driver to the insurance policy. As you can see below, the average Saturn ION annual insurance cost for a 16 year old is approximately $2020.32, while the cost of the same coverage for seniors aged 70 - 74 is $931.104. How to lower car insurance rates for high risk drivers (teens, college students, new drivers, convicted drivers) is a very common question. There are a few tips. You can ask your insurance company for a low-mileage discount and usage-based discounts. Also choose a car wisely (Saturn, ION have 2196 cc, 143 ps) and add your teen to your policy. Consider to increase your deductibles and adjust your existing coverage. Being younger than 18, 21, 25 years old means, you are statistically present a higher risk to insurance companies. How to save money on student car insurance?

Your Age	Average Rate (Estimate*)
16 - 19	$1,932
20 - 24	$1,880
25 - 29	$1,581
30 - 34	$1,362
35 – 39	$1,098
40 – 44	$1,142
45 – 49	$1,045
50 – 54	$914
55 – 59	$1,124
60 – 64	$940
65 – 69	$984
70 – 74	$887
75 and more	$914
* Rough estimate for teens, adults and seniors who are driving Saturn ION (2004)

Some insurance companies and brokers rewards students financially for doing well in school, while others prefer students who complete an approved driver's education course. As you can see in the above table, people between the ages of 60 and 75 are statistically risk-free drivers and can pay less than $747 annualy. What kind of car insurance discounts for seniors are available? Most car insurance companies offer reduced auto insurance rates to drivers who are over 50 years of age. It means, people over 50 - 60 are eligible for senior discounts. Is Saturn, ION good for senior drivers? If you have questions or issues relevant to Saturn ION or another vehicle, please ask in the discussion.

You know you need to insure your 2004 Front Saturn, ION, but do you really know, how much should you pay for your coverage every month or year? Ask for quotes from multiple companies

Saturn ION: Exterior Specs, Features & Options

The engine of Saturn, ION (4 cyl) is mated to a electronically controlled automatic, semi-automatic, continuously variable transmissions (CVTs) transmission, that in this case, sends power to the Front. ION Coupe, 2196 CC (liter), 143 ps (98.6% of a brake horsepower) is matched to an 3 Quad Coupe for 2004. The truth is that horsepower sells cars, but torque wins races! Some car insurance companies find that cars with a higher horsepower (Saturn, ION has horsepower of 143 ps & 2196 cc's = cubic capacity measured in cubic centimeters) are involved in fewer auto insurance claims than those with less horsepower and torque. On the other hand, when a higher horsepower car is involved in a car accident, they usually cause more serious damage to others, which can affect car insurance rates. Model 3 Quad Coupe has an engine torque of 197 nm & basic rpm. The power and maximum speed of the Saturn ION vehicle (sorry, we do not know how fast will Saturn, ION accelerate to 100 km per hour/100 Kph & sorry, we do not know the maximum speed of Saturn, ION Kph top speed) are a powerful marketing tool, but for technically demanding drivers, it's the mass of the car (1248 kg is the weight of this model), its engine torque and the engine rotation speed.