Cheap 1998 Saab 900 Car Insurance Quotes

Finding better rates for car insurance is a challenge for consumers not familiar with comparing rates online. Consumers have so many choices that it can quickly become a real challenge to find the best price.

If you have car insurance now, you stand a good chance to be able to save some money using these techniques. This information will introduce you to the most effective way to quote insurance and some tips to save money. But car owners must understand how companies market on the web.

Best discounts on Saab 900 coverage

Insuring your fleet can be pricey, but you may find discounts that many people don’t even know exist. Some trigger automatically when you quote, but a few must be specially asked for before you will receive the discount.

  • Discount for Good Grades – A discount for being a good student can be rewarded with saving of up to 25%. The good student discount can last well after school through age 25.
  • Claim Free – Drivers with accident-free driving histories pay much less compared to frequent claim filers.
  • Paperless Signup – A few companies give back up to $50 for buying a policy and signing up on their website.
  • Drivers Education – Have your child enroll in driver’s education if offered at their school.
  • Multi-car Discount – Having more than one vehicle with the same company may reduce the rate for each vehicle.
  • Sign Early and Save – Some companies give discounts for switching policies prior to your current policy expiring. It can save you around 10%.
  • New Car Discount – Buying coverage on a new vehicle can cost up to 25% less since new cars are generally safer.
  • Multiple Policy Discount – If you have multiple policies with the same insurance company you will save 10% to 20% off each policy.
  • Discount for Life Insurance – Select insurance companies reward you with a discount if you purchase life insurance.

Keep in mind that many deductions do not apply to all coverage premiums. Most cut the price of certain insurance coverages like collision or personal injury protection. So when it seems like adding up those discounts means a free policy, you’re out of luck. Any amount of discount will bring down your overall premium however.

For a list of insurance companies with discount car insurance rates, click this link.

Fast and Easy Insurance Coverage Quotes

There are multiple methods to shop for 1998 Saab 900 insurance coverage, but there is one way that is less labor-intensive and much quicker. You can waste a lot of time talking to insurance companies in your area, or you could use online quotes to get rates in a matter of minutes.

Many insurance companies participate in a marketplace that allows shoppers to enter their policy data once, and at least one company then gives them pricing based on that data. This saves time by eliminating quotation requests to each individual insurance coverage company.

To fill out one form to compare multiple rates now click to open in new window.

The one downside to doing it this way is you can’t choose which providers you will receive quotes from. If you would rather choose specific insurance companies to compare prices, we have a listing of insurance coverage companies in your area. View list of insurance companies.

It’s up to you how you get prices quotes, just double check that you are using apples-to-apples coverages on every quote you get. If you are comparing different limits and deductibles on each one it will be next to impossible to determine the best price for your Saab 900. Having just a slight variation in coverages may cause a big price difference. Just keep in mind that more quotes helps you find the best rates.

What determines your Saab 900 insurance premium

Smart consumers have a good feel for the rating factors that come into play when calculating insurance coverage rates. When you know what positively or negatively impacts premium levels empowers consumers to make smart changes that will entitle you to big savings.

The list below includes some of the factors used by your company to calculate prices.

  • Bundling policies can get discounts – Most insurance coverage companies will award you with lower prices to people who have multiple policies with them, otherwise known as a multi-policy discount. Even with this discount, you may still want to compare other company rates to make sure you are getting the best deal. You may still be able to find a better deal by splitting coverages up.
  • Too many insurance coverage claims drive up costs – If you are a frequent claim filer, you can definitely plan on either a policy non-renewal or much higher rates. Insurance companies award better rates to people who are claim-free. Auto insurance is meant to be used in the event of major claims that would cause financial hardship.
  • Safer cars cost less to insure – Vehicles with high crash test scores are cheaper to insure. These vehicles have better occupant injury protection and lower injury rates means less money paid by your insurance company and more competitive rates for policyholders. If your Saab is rated at least an “acceptable” rating on the Insurance Institute for Highway Safety website you are probably receiving a discount.
  • Pay less if you’re married – Having a wife or husband actually saves money on insurance coverage. It translates into being more mature than a single person and statistics show being married results in fewer claims.
  • Where do you drive? – The more miles you rack up on your Saab in a year the more you’ll pay to insure your vehicle. Almost all companies charge to insure your cars based upon how you use the vehicle. Cars left parked in the garage get more affordable rates than vehicles that are driven to work every day. Make sure your insurance coverage policy is showing how each vehicle is driven. Incorrect usage on your 900 can cost quite a bit.
  • Lower deductibles cost more – Physical damage coverage, also known as collision and other-than-collision, is used to repair damage to your Saab. Some examples of claims that would be covered could be collision with another vehicle, vandalism, and windstorm damage. The deductibles are how much you are willing to pay out-of-pocket in the event of a claim. The more money the insured has to pay upfront, the lower your rates will be for 900 coverage.
  • Don’t skimp on liability – Liability insurance is the protection in the event that you are found liable for damages caused by your negligence. It will provide legal defense coverage up to the limits shown on your policy. Liability is cheap compared to physical damage coverage, so buy as much as you can afford.

Tailor your coverage to you

When choosing the right insurance coverage for your personal vehicles, there really is not a “perfect” insurance plan. Everyone’s situation is unique.

For example, these questions could help you determine if you may require specific advice.

  • Are my friends covered when driving my car?
  • If my pet gets injured in an accident are they covered?
  • How can I get my company to pay me more for my totalled car?
  • Should I buy more coverage than the required minimum liability coverage?
  • Does coverage extend to Mexico or Canada?
  • Should I buy additional glass protection?
  • Should I carry comprehensive and collision coverage?

If you can’t answer these questions then you might want to talk to a licensed agent. If you want to speak to an agent in your area, simply complete this short form.

Coverages available on your policy

Knowing the specifics of a insurance policy helps when choosing the right coverages for your vehicles. The terms used in a policy can be ambiguous and coverage can change by endorsement.

Coverage for medical expenses

Personal Injury Protection (PIP) and medical payments coverage provide coverage for short-term medical expenses for things like surgery, nursing services and doctor visits. They are often used to cover expenses not covered by your health insurance program or if there is no health insurance coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants in addition to being hit by a car walking across the street. PIP is not available in all states and gives slightly broader coverage than med pay

Collision protection

This coverage will pay to fix damage to your 900 from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for things such as backing into a parked car, hitting a mailbox, damaging your car on a curb and rolling your car. This coverage can be expensive, so you might think about dropping it from lower value vehicles. Another option is to bump up the deductible to get cheaper collision coverage.

Coverage for uninsured or underinsured drivers

This coverage protects you and your vehicle’s occupants when other motorists either have no liability insurance or not enough. Covered claims include medical payments for you and your occupants and also any damage incurred to your 1998 Saab 900.

Because many people only carry the minimum required liability limits, their limits can quickly be used up. So UM/UIM coverage should not be overlooked. Normally the UM/UIM limits do not exceed the liability coverage limits.

Comprehensive insurance

This coverage will pay to fix damage from a wide range of events other than collision. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage pays for claims like falling objects, damage from a tornado or hurricane, theft and a tree branch falling on your vehicle. The maximum amount you’ll receive from a claim is the actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.


This will cover injuries or damage you cause to people or other property in an accident. This insurance protects YOU from claims by other people. It does not cover damage sustained by your vehicle in an accident.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see liability limits of 50/100/50 which stand for $50,000 bodily injury coverage, a total of $100,000 of bodily injury coverage per accident, and a total limit of $50,000 for damage to vehicles and property. Another option is one number which is a combined single limit which combines the three limits into one amount rather than limiting it on a per person basis.

Liability coverage protects against claims such as repair bills for other people’s vehicles, emergency aid, legal defense fees, court costs and funeral expenses. How much coverage you buy is up to you, but buy as much as you can afford.

In Summary

You just read many ways to get a better price on 1998 Saab 900 insurance. It’s most important to understand that the more quotes you get, the higher the chance of saving money. Consumers may even find the best price on insurance is with an unexpected company.

Affordable insurance is available both online and also from your neighborhood agents, so compare prices from both in order to have the best price selection to choose from. There are still a few companies who may not provide the ability to get a quote online and these regional insurance providers work with independent agents.

People who switch companies do it for a number of reasons such as lack of trust in their agent, delays in responding to claim requests, poor customer service or being labeled a high risk driver. Regardless of your reason, finding a great new company can be easy and end up saving you some money.

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