1997 Saab 900 Car Insurance Cost – 8 Tips for Best Prices

Overpriced Saab 900 insurance can empty your personal savings and make it impossible to make ends meet. Shopping your coverage around is a great way to reduce premiums and put more money in your pocket.

Insurance companies such as GEICO, 21st Century and Progressive all claim big savings, bombarding you with ads and it can be hard to sift through the bull and effectively compare rates to find the best deal.

Consumers should take time to price shop coverage every six months because prices are constantly changing. Just because you found the best rates for 900 coverage a few years ago there is a good chance you can find better rates now. Block out anything you think you know about auto insurance because I’m going to let you in on the secrets to one of the quickest ways to find great coverage at a great price.

Cut your car insurance rates with these eight discounts

Insuring your fleet can be pricey, but there are discounts available that many people don’t even know exist. Some discounts apply automatically at quote time, but a few need to be specifically requested before you will receive the discount.

  • Safe Drivers – Drivers who don’t get into accidents can get discounts for up to 45% lower rates for 900 coverage than drivers with accidents.
  • Claim Free – Good drivers with no accidents pay less as compared to frequent claim filers.
  • Accident Forgiveness – Certain companies will allow you to have one accident before hitting you with a surcharge as long as you don’t have any claims prior to the accident.
  • Memberships – Affiliation with certain professional organizations is a good way to get lower rates when buying car insurance for 900 coverage.
  • Homeowners Discount – Simply owning a home may earn you a small savings due to the fact that maintaining a home demonstrates responsibility.
  • Discount for Good Grades – This discount can get you a discount of up to 25%. The discount lasts until age 25.
  • Anti-theft System – Vehicles with anti-theft systems are stolen less frequently and will save you 10% or more.
  • New Car Discount – Buying coverage on a new vehicle can save up to 30% since new cars are generally safer.

It’s important to note that most credits do not apply to all coverage premiums. Some only reduce the price of certain insurance coverages like collision or personal injury protection. So when it seems like all the discounts add up to a free policy, you’re out of luck. But all discounts will bring down your overall premium however.

Companies that may have some of the above discounts may include but are not limited to:

Before buying, ask every prospective company what discounts are available to you. All car insurance discounts may not apply everywhere.

Low Cost Insurance

Most major insurance companies provide coverage price quotes on the web. Obtaining pricing is fairly straightforward as you just enter your required coverages into the quote form. Behind the scenes, the company’s rating system makes automated requests for your driving and credit reports and gives you a price quote based on many factors. This makes it a lot easier to compare rates but the work required to visit multiple sites and fill out multiple forms is monotonous and tiresome. But it’s very important to perform this step if you are searching for the lowest possible prices on insurance.

There is a better way to compare rates

An easier way to compare rates requires only one form that gets prices from several companies at one time. It’s a real time-saver, helps eliminate reptitive entry, and makes online quotes much easier to do. Immediately after submitting the form, it is rated with multiple companies and you can pick any one of the quote results.

If one or more price quotes are lower than your current rates, it’s easy to complete the application and purchase coverage. It can be completed in a matter of minutes and you will know how your current rates stack up.

To save time and compare pricing, click here to open in new window and complete the simple form. If you currently have coverage, we recommend you complete the form with the insurance coverages as shown on your current policy. This guarantees you are getting a rate comparison using the exact same coverages.

You are unique and your insurance coverage should be too

When buying the right insurance coverage for your personal vehicles, there isn’t really a “perfect” insurance plan. Everyone’s situation is unique so this has to be addressed. For example, these questions can help discover if your situation would benefit from professional advice.

  • Should I rate my 1997 Saab 900 as pleasure use or commute?
  • Is my babysitter covered when using my vehicle?
  • What can I do if my company won’t pay a claim?
  • Is my dog or cat covered if injured in an accident?
  • Do I need replacement cost coverage on my 1997 Saab 900?
  • Is business property covered if stolen from my car?
  • Is a blown tire covered by insurance?
  • Should I get collision insurance on every vehicle?
  • Am I covered if my car is in a flood?

If you can’t answer these questions, you may need to chat with a licensed agent. To find an agent in your area, take a second and complete this form or you can also visit this page to select a carrier

Parts of your auto insurance policy

Learning about specific coverages of auto insurance can help you determine the right coverages at the best deductibles and correct limits. The coverage terms in a policy can be impossible to understand and nobody wants to actually read their policy. These are the usual coverages available from auto insurance companies.

Liability coverage

This provides protection from damage or injury you incur to a person or their property in an accident. It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You might see liability limits of 50/100/50 which stand for a limit of $50,000 per injured person, a limit of $100,000 in injury protection per accident, and a total limit of $50,000 for damage to vehicles and property. Some companies may use a combined single limit or CSL that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability coverage pays for claims like bail bonds, emergency aid, medical expenses, loss of income and pain and suffering. How much liability coverage do you need? That is a decision to put some thought into, but buy as large an amount as possible.

Comprehensive protection

Comprehensive insurance will pay to fix damage that is not covered by collision coverage. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims like rock chips in glass, hitting a bird, damage from a tornado or hurricane and vandalism. The maximum amount you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Collision coverage protection

This coverage pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You have to pay a deductible then your collision coverage will kick in.

Collision insurance covers claims such as sustaining damage from a pot hole, colliding with a tree and sideswiping another vehicle. Collision coverage makes up a good portion of your premium, so consider removing coverage from lower value vehicles. You can also raise the deductible to save money on collision insurance.

Uninsured or underinsured coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other drivers when they are uninsured or don’t have enough coverage. It can pay for hospital bills for your injuries and damage to your Saab 900.

Due to the fact that many drivers only carry the minimum required liability limits, their limits can quickly be used up. This is the reason having UM/UIM coverage is a good idea. Usually the UM/UIM limits are similar to your liability insurance amounts.

Medical expense coverage

Personal Injury Protection (PIP) and medical payments coverage reimburse you for short-term medical expenses for things like ambulance fees, doctor visits, surgery and funeral costs. They are often utilized in addition to your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover all vehicle occupants and will also cover being hit by a car walking across the street. Personal injury protection coverage is not available in all states and gives slightly broader coverage than med pay

A fool and his money are soon parted

We just presented quite a bit of information on how to reduce 1997 Saab 900 insurance prices online. The key concept to understand is the more rate comparisons you have, the higher your chance of finding lower rates. You may be surprised to find that the best prices are with a small mutual company. They may cover specific market segments cheaper as compared to the big name companies such as State Farm, GEICO and Nationwide.

As you restructure your insurance plan, don’t be tempted to buy less coverage just to save a little money. There are a lot of situations where consumers will sacrifice comprehensive coverage or liability limits only to regret at claim time they didn’t have enough coverage. Your strategy should be to purchase plenty of coverage at the best price while not skimping on critical coverages.

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