View 1992 Saab 900 Insurance Rates

No one in their right mind looks forward to buying auto insurance, particularly when their premiums are too high. Insurance companies such as State Farm, Allstate, GEICO and Progressive constantly blast consumers with advertising and it is challenging if not impossible to avoid their marketing magic and do the work needed to find the best deal.

Consumers should take time to compare prices every six months since rates are rarely the same from one policy term to another. Despite the fact that you may have had the best price for 900 coverage on your last policy you may be paying too much now. Block out anything you think you know about auto insurance because you’re about to learn the tricks you need to know to get good coverage at a lower rate.

If you have a policy now or are just looking to switch companies, you will benefit by learning to reduce the price you pay while maintaining coverages. Finding the best rates is not rocket science. Drivers just need to know the best way to shop for insurance online.

Take discounts and save

Insurance can cost an arm and a leg, but you may find discounts to reduce the price significantly. Certain discounts will be applied when you complete an application, but less common discounts must be inquired about before they will apply. If they aren’t giving you every credit available, you are paying more than you should be.

  • Good Student – Performing well in school can be rewarded with saving of up to 25%. The good student discount can last well after school through age 25.
  • Safe Drivers – Drivers who avoid accidents can get discounts for up to 45% lower rates for 900 coverage than their less cautious counterparts.
  • Memberships – Belonging to a qualifying organization is a good way to get lower rates on your policy for 900 coverage.
  • Seat Belts Save more than Lives – Using a seat belt and requiring all passengers to wear their seat belts could save 15% off the personal injury premium cost.
  • Senior Citizens – If you’re over the age of 55, you may receive reduced rates for 900 coverage.

Consumers should know that some credits don’t apply to your bottom line cost. Most only reduce the price of certain insurance coverages like liability and collision coverage. So even though it sounds like you could get a free insurance coverage policy, you’re out of luck. But all discounts will bring down your overall premium however.

For a list of providers with discount insurance coverage rates, follow this link.

Saab 900 insurance premiums are calculated by many factors

Smart consumers have a good feel for the factors that come into play when calculating your auto insurance rates. Having a good understanding of what controls the rates you pay helps enable you to make changes that may reward you with much lower annual insurance costs.

The list below includes a few of the “ingredients” that factor into rates.

  • Drive a safer car and pay less – Vehicles with high crash test scores are cheaper to insure. The safest vehicles reduce injuries and lower injury rates translates into fewer and smaller insurance claims and lower rates for you. If your Saab earned at least four stars on Safercar.gov you may qualify for a discount.
  • Never let your coverage lapse – Driving your car without having proper coverage can get your license suspended and as a result your rates will increase for letting your coverage have a gap. Not only will rates go up, getting caught without coverage may earn you a steep fine or even jail time.
  • Special features that cut premiums – Purchasing a vehicle that has an advanced theft prevention system can help lower your rates. Anti-theft features such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all aid in stopping your vehicle from being stolen.
  • Pay less after the wedding – Having a spouse can actually save you money when buying auto insurance. Marriage means you’re more mature and statistics show married drivers get in fewer accidents.

Which policy gives me the best coverage?

When it comes to buying the right insurance coverage, there is no one size fits all plan. Everyone’s situation is a little different so your insurance needs to address that. For instance, these questions may help you determine if your situation could use an agent’s help.

  • How high should my uninsured/underinsured coverage be in my state?
  • What if I total my 1992 Saab 900 and owe more than it’s worth?
  • Am I covered when pulling a rental trailer?
  • Does my policy cover me when driving someone else’s vehicle?
  • Should I put collision coverage on all my vehicles?
  • Am I covered if I drive in a foreign country?

If you can’t answer these questions, then you may want to think about talking to an agent. If you don’t have a local agent, take a second and complete this form or click here for a list of auto insurance companies in your area. It’s fast, free and can provide invaluable advice.

Specific coverages for a Saab 900

Knowing the specifics of your insurance policy can help you determine the right coverages and the correct deductibles and limits. The terms used in a policy can be difficult to understand and even agents have difficulty translating policy wording. Below you’ll find typical coverages found on the average insurance policy.

Coverage for liability

Liability coverage protects you from damage that occurs to other’s property or people by causing an accident. This insurance protects YOU from claims by other people, and does not provide coverage for damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see policy limits of 50/100/50 that means you have a $50,000 limit per person for injuries, $100,000 for the entire accident, and a limit of $50,000 paid for damaged property. Another option is one limit called combined single limit (CSL) which provides one coverage limit rather than limiting it on a per person basis.

Liability coverage protects against things like repair costs for stationary objects, structural damage, medical expenses and funeral expenses. How much coverage you buy is up to you, but consider buying higher limits if possible.

Medical costs insurance

Personal Injury Protection (PIP) and medical payments coverage kick in for bills like prosthetic devices, hospital visits, X-ray expenses, surgery and EMT expenses. They can be used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. They cover both the driver and occupants in addition to being hit by a car walking across the street. PIP coverage is only offered in select states and may carry a deductible

UM/UIM Coverage

Your UM/UIM coverage protects you and your vehicle when the “other guys” are uninsured or don’t have enough coverage. Covered losses include medical payments for you and your occupants and damage to your Saab 900.

Due to the fact that many drivers have only the minimum liability required by law, their limits can quickly be used up. So UM/UIM coverage is a good idea. Most of the time your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Collision protection

Collision coverage covers damage to your 900 resulting from colliding with an object or car. You will need to pay your deductible then your collision coverage will kick in.

Collision can pay for things like rolling your car, crashing into a building, driving through your garage door, damaging your car on a curb and backing into a parked car. Collision is rather expensive coverage, so consider dropping it from vehicles that are 8 years or older. It’s also possible to bump up the deductible to bring the cost down.

Comprehensive or Other Than Collision

This coverage covers damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things like rock chips in glass, hitting a deer and vandalism. The maximum amount a insurance company will pay at claim time is the market value of your vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Compare but don’t skimp

In this article, we presented a lot of ways to get a better price on 1992 Saab 900 insurance. It’s most important to understand that the more rate comparisons you have, the better likelihood of reducing your rate. Consumers may even find the lowest priced insurance coverage comes from a small mutual company. Some small companies may have significantly lower rates on certain market segments as compared to the big name companies such as Progressive or GEICO.

The cheapest insurance can be bought from both online companies and also from your neighborhood agents, and you should be comparing both to have the best selection. A few companies may not provide online price quotes and usually these small insurance companies provide coverage only through local independent agents.

More detailed insurance coverage information can be found in these articles: