Lower Your 1996 Saab 900 Insurance Rates

Searching for cheaper insurance coverage rates? Consumers have a choice when looking for the lowest priced Saab 900 insurance. They can either spend hours calling around to compare prices or use the internet to find the lowest rates. There is a better way to find insurance coverage online so you’re going to learn the proper way to quote coverages for your Saab and find the lowest price from local insurance agents and online providers.

You need to do rate comparisons occasionally since insurance rates tend to go up over time. Despite the fact that you may have had the best deal on 900 coverage six months ago the chances are good that you can find a lower rate today. So forget all the misinformation about insurance coverage because you’re about to learn the fastest way to reduce your cost while increasing coverage.

Comprehensive Insurance Comparison Quotes

Lowering your 1996 Saab 900 insurance rates isn’t really that difficult. The only thing you need to do is invest a little time to compare rate quotes from different insurance companies. This can be accomplished in several different ways.

  1. The single most time-saving way to compare a lot of rates at once is an all-inclusive rate comparison (click to open form in new window). This method prevents you from having to do separate quotes for every insurance company. One simple form will get you rate comparisons from multiple low-cost companies. This is by far the quickest method.
  2. A more time consuming way to shop for insurance online consists of going to the website for each individual company and request a quote. For example, let’s say you want rates from Liberty Mutual, Geico and Travelers. To get rate quotes you would need to visit each site and enter your policy data, which is why the first method is quicker.

    For a handy list of car insurance company links in your area, click here.

  3. The most time-consuming method of comparing rate quotes is to drive around to different agent offices. Buying insurance online can eliminate the need for a local agent unless you require the trained guidance of a local agent. You can, however, compare online quotes and still use a local agent and we’ll cover that in a bit.

It doesn’t matter which method you choose, just make darn sure you compare the exact same coverage information on every quote. If each company quotes different values for each quote you will not be able to determine which rate is truly the best.

Do insurance coverage companies bend the truth?

Drivers can’t ignore all the ads that promise big savings from the likes of Progressive, Geico, Allstate and State Farm. All the ads have a common claim of big savings after switching your coverage to them.

How do they all say the same thing? It’s all in the numbers.

Insurance companies have a certain “appetite” for the type of customer that earns them a profit. For example, a preferred risk might be between the ages of 40 and 55, has no prior claims, and has a high credit rating. A propective insured who meets those qualifications will get very good rates and is almost guaranteed to pay quite a bit less when switching companies.

Potential insureds who don’t measure up to the “perfect” profile will be quoted more money which usually ends up with the driver buying from a lower-cost company. The ad wording is “drivers who switch” not “everyone that quotes” save that much money. That’s why companies can advertise the way they do. This emphasizes why it’s extremely important to get a wide range of price quotes. It’s not possible to predict which insurance coverage company will provide you with the cheapest Saab 900 insurance rates.

How to reduce Saab 900 insurance rates

Companies offering auto insurance do not list all their discounts in a way that’s easy to find, so the following is a list of some of the best known and the more hidden insurance savings. If you aren’t receiving every discount you deserve, you are paying more than you should be.

  • Low Mileage – Low mileage vehicles could be rewarded with better rates on cars that stay parked.
  • Safe Drivers – Insureds without accidents may save up to 50% more on 900 coverage than less cautious drivers.
  • Clubs and Organizations – Affiliation with a civic or occupational organization could trigger savings when buying insurance on 900 coverage.
  • Service Members Pay Less – Being deployed with a military unit may qualify for rate reductions.
  • One Accident Forgiven – A handful of insurance companies will allow you to have one accident before raising your premiums if you are claim-free prior to the accident.

Keep in mind that most credits do not apply the the whole policy. Some only reduce the cost of specific coverages such as collision or personal injury protection. So when it seems like having all the discounts means you get insurance for free, insurance companies aren’t that generous.

A partial list of companies that possibly offer these discounts include:

Before buying, ask all companies you are considering what discounts are available to you. Discounts might not be offered in every state.

Tailor your coverage to you

When it comes to buying proper insurance coverage for your vehicles, there really is no cookie cutter policy. Your needs are not the same as everyone else’s.

These are some specific questions might point out whether your personal situation might need an agent’s assistance.

  • What is no-fault insurance?
  • Can my teen driver be rated on a liability-only vehicle?
  • When can I cancel my policy?
  • Should I buy more coverage than the required minimum liability coverage?
  • Will I be non-renewed for getting a DUI or other conviction?
  • What if I total my 1996 Saab 900 and owe more than it’s worth?
  • What is the rate difference between pleasure use and commuting?

If it’s difficult to answer those questions, you might consider talking to an insurance agent. To find lower rates from a local agent, fill out this quick form. It only takes a few minutes and can provide invaluable advice.

Coverage specifics

Learning about specific coverages of your policy can be of help when determining the best coverages and proper limits and deductibles. Policy terminology can be confusing and nobody wants to actually read their policy.

Uninsured/Underinsured Motorist coverage

This coverage gives you protection from other motorists when they either are underinsured or have no liability coverage at all. Covered claims include hospital bills for your injuries as well as your vehicle’s damage.

Because many people only purchase the least amount of liability that is required, their limits can quickly be used up. This is the reason having UM/UIM coverage is important protection for you and your family.

Collision protection

This covers damage to your 900 caused by collision with an object or car. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims such as damaging your car on a curb, hitting a mailbox, colliding with another moving vehicle and crashing into a building. Collision coverage makes up a good portion of your premium, so consider dropping it from lower value vehicles. Drivers also have the option to bump up the deductible to bring the cost down.

Auto liability insurance

Liability insurance can cover damage that occurs to a person or their property in an accident. It protects you against claims from other people. It does not cover your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see limits of 100/300/100 that means you have $100,000 bodily injury coverage, a per accident bodily injury limit of $300,000, and property damage coverage for $100,000.

Liability coverage pays for things like structural damage, pain and suffering and medical services. The amount of liability coverage you purchase is a personal decision, but buy as much as you can afford.

Medical payments coverage and PIP

Medical payments and Personal Injury Protection insurance kick in for immediate expenses such as chiropractic care, hospital visits, rehabilitation expenses and dental work. The coverages can be used to fill the gap from your health insurance policy or if you are not covered by health insurance. It covers not only the driver but also the vehicle occupants and will also cover any family member struck as a pedestrian. PIP coverage is not universally available but can be used in place of medical payments coverage

Comprehensive coverage

This pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims such as theft, hitting a deer, damage from getting keyed and hail damage. The maximum payout your insurance company will pay is the market value of your vehicle, so if the vehicle is not worth much consider dropping full coverage.

And the best car insurance company is…

Throughout this article, we presented some good ideas how you can lower your 1996 Saab 900 insurance rates. The key concept to understand is the more rate quotes you have, the more likely it is that you will get a better rate. Consumers could even find that the lowest premiums are with an unexpected company.

When you buy insurance online, don’t be tempted to reduce coverage to reduce premium. There are too many instances where consumers will sacrifice collision coverage only to regret at claim time that the savings was not a smart move. Your strategy should be to find the BEST coverage at a price you can afford.

Affordable insurance can be found on the web and also from your neighborhood agents, so you should be comparing quotes from both in order to have the best price selection to choose from. Some companies may not provide online quoting and these regional insurance providers work with independent agents.

Even more information is available at these sites: