1998 Saab 9000 Insurance Quotes

Nobody I know cherishes buying insurance, in particular when the cost is way too high. You have so many auto insurance companies to pick from, and although it’s nice to be able to choose, too many choices makes it more difficult to adequately compare rates.

These discounts can lower your rates

Car insurance companies don’t always list every discount very well, so here is a list both the well known and the harder-to-find auto insurance savings. If you don’t get every credit you qualify for, you are paying more than you should be.

  • Life Insurance – Some companies give better rates if you take out auto and life insurance together.
  • Use Seat Belts – Using a seat belt and requiring all passengers to use a seat belt can save 10% or more off your PIP or medical payments premium.
  • Anti-lock Brake Discount – Cars that have steering control and anti-lock brakes prevent accidents and qualify for as much as a 10% discount.
  • Multiple Cars – Having all your vehicles on the same auto insurance policy may reduce the rate for each vehicle.
  • Federal Employees – Employees or retirees of the government could cut as much as 10% off on 9000 coverage depending on your company.

Keep in mind that most discount credits are not given to the entire cost. The majority will only reduce specific coverage prices like comp or med pay. Just because you may think you could get a free auto insurance policy, companies don’t profit that way.

For a list of providers with discount auto insurance rates, click here to view.

Insurance Comparisons

Shopping for lower insurance rates can take hours if you don’t utilize the easiest way. You could waste time talking to agents in your area, or you can stay home and use the internet to quickly compare rates.

Many insurance companies enroll in a system where prospective buyers submit one quote, and at least one company then returns a price quote based on the submitted data. This system prevents you from having to do quote requests to every company.

To participate in this free quote system, click here (opens in new window).

The one disadvantage to using this type of system is you cannot specify the companies you will receive quotes from. So if you prefer to choose individual companies to compare prices, we have assembled a list of low cost insurance companies in your area. Click to view list.

It’s up to you which method you use, but ensure you are comparing apples-to-apples quote information with each company. If each company quotes differing limits it’s impossible to make an equal comparison.

Pieces of the Saab 9000 insurance rate puzzle

An important part of buying insurance is that you know the rating factors that go into determining your insurance coverage rates. When you know what positively or negatively impacts premium levels allows you to make educated decisions that will entitle you to big savings.

  • Safer occupants lowers premiums – Cars with high safety ratings are cheaper to insure. These vehicles protect occupants better and fewer injuries means lower claim amounts and more competitive rates for policyholders. If your Saab 9000 scored better than an “acceptable” rating on the Insurance Institute for Highway Safety website you may qualify for a discount.
  • Men are more aggressive – The statistics show that women are safer drivers than men. Now that doesn’t mean men are WORSE drivers than women. They both cause accidents in similar percentages, but the men tend to have more serious accidents. Men also statistically receive more costly citations like reckless driving and DUI.
  • Lower rates with optional equipment – Driving a car with a theft deterrent system can save you a little every year. Anti-theft devices such as GM’s OnStar, tamper alarm systems and vehicle immobilizers all hinder your vehicle from being stolen.
  • More claims means more premium – If you frequently file small claims, you can look forward to higher rates. Auto insurance companies generally give cheaper rates to insureds who do not rely on their insurance for small claims. Insurance coverage is intended for larger claims.
  • Where you live is a factor – Living in a rural area can save you money when insuring your vehicles. Fewer people means a lower chance of having an accident. Urban drivers regularly have traffic congestion and a longer drive to work. Higher commute times means more change of being in an accident.

Different people need different coverages

When it comes to buying the right insurance coverage for your vehicles, there really is not a cookie cutter policy. Everyone’s needs are different so your insurance needs to address that. These are some specific questions can help discover whether or not you may require specific advice.

  • Is business equipment covered while in my vehicle?
  • What should my uninsured motorist coverage limits be in my state?
  • Does my liability insurance cover pulling a trailer or camper?
  • When do I need to add a new car to my policy?
  • Does my policy pay for OEM or aftermarket parts?
  • Does my 1998 Saab 9000 need full coverage?
  • When should I remove comp and collision on my 1998 Saab 9000?

If you can’t answer these questions, you may need to chat with a licensed agent. If you don’t have a local agent, complete this form or you can also visit this page to select a carrier It’s fast, free and can help protect your family.

Car insurance 101

Understanding the coverages of your auto insurance policy aids in choosing appropriate coverage at the best deductibles and correct limits. The terms used in a policy can be difficult to understand and even agents have difficulty translating policy wording. Shown next are the normal coverages offered by auto insurance companies.

Protection from uninsured/underinsured drivers – This gives you protection when other motorists do not carry enough liability coverage. Covered losses include medical payments for you and your occupants as well as damage to your Saab 9000.

Because many people only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. So UM/UIM coverage should not be overlooked.

Liability insurance – This protects you from damages or injuries you inflict on people or other property by causing an accident. This coverage protects you from claims by other people, and doesn’t cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You might see liability limits of 25/50/25 which stand for $25,000 in coverage for each person’s injuries, $50,000 for the entire accident, and a total limit of $25,000 for damage to vehicles and property.

Liability can pay for things such as medical services, loss of income and bail bonds. How much liability should you purchase? That is a decision to put some thought into, but buy as high a limit as you can afford.

Comprehensive (Other than Collision) – This coverage covers damage from a wide range of events other than collision. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things such as hail damage, fire damage, a tree branch falling on your vehicle, rock chips in glass and theft. The maximum amount your auto insurance company will pay is the actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Medical expense insurance – Coverage for medical payments and/or PIP reimburse you for immediate expenses like prosthetic devices, doctor visits, pain medications, ambulance fees and surgery. The coverages can be utilized in addition to your health insurance plan or if you are not covered by health insurance. They cover not only the driver but also the vehicle occupants and also covers getting struck while a pedestrian. Personal injury protection coverage is not universally available but can be used in place of medical payments coverage

Collision coverages – This covers damage to your 9000 resulting from colliding with an object or car. You have to pay a deductible then your collision coverage will kick in.

Collision coverage pays for things such as backing into a parked car, colliding with a tree, rolling your car and crashing into a building. This coverage can be expensive, so analyze the benefit of dropping coverage from older vehicles. Another option is to raise the deductible in order to get cheaper collision rates.

Final considerations

The cheapest 1998 Saab 9000 insurance can be purchased from both online companies and with local insurance agents, so compare prices from both so you have a total pricing picture. A few companies do not offer online price quotes and these smaller companies work with independent agents.

When shopping online for auto insurance, never skimp on critical coverages to save a buck or two. In too many instances, drivers have reduced liability coverage limits only to regret at claim time that it was a big mistake. The proper strategy is to purchase plenty of coverage at the best price while still protecting your assets.

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