Why does minimum coverage for a 93 Saturn SC2 cost 12 times as much as the other 2 vehicles on an insurance policy when you drive it the least?

Check with other insurance companies to see if the rates would be any different. It might be related to the primary driver being under a certain age, it might be a matter of their risk tables indicating that a "sports" car is far more dangerous than a sedan, and after all, the SC stands for "sports coup". You and I know that a Saturn SC isn't that much more peppy than an Ion, but don't try to talk to insurance companies. Just get prices from other places.