1999 Saab 9-3 Insurance Rates – 10 Tips for Cheaper Quotes

Comparison shopping for insurance coverage is nearly impossible for beginners to buying insurance online. Drivers have so many options that it can quickly become a lot of work to compare prices.

If you have car insurance now, you will be able to reduce your rates substantially using these methods. Finding more affordable coverage is simple if you know the tricks. But vehicle owners must know the methods companies use to sell online and apply this information to your search.

How to Compare Car Insurance Costs

To find the best car insurance prices, there are several ways of comparing price quotes from car insurance companies in your area. The recommended way to compare 1999 Saab 9-3 insurance prices consists of obtaining rate quotes online. It is quite easy and can be accomplished in just a few minutes using one of these methods.

  1. The fastest way consumers can analyze rates would be an industry-wide quote request form click to view form in new window. This method keeps you from doing multiple quote forms to each individual car insurance company. A single form will return price quotes from multiple low-cost companies. It’s the fastest way to compare.
  2. A less efficient way to obtain and compare quotes online is to manually visit each company’s website and complete a new quote form. For sake of this example, let’s say you want comparison quotes from Allstate, Safeco and Travelers. You would have to visit each site to input your insurance information, and that’s why the first method is more popular.

    For a list of links to companies insuring cars in your area, click here.

  3. The most time-consuming way to compare rates is driving around to different agent offices. Shopping for car insurance online eliminates the need for an insurance agent unless you prefer the personal advice that only a license agent can provide. It is possible to comparison shop your insurance online and still use a local agent and we’ll cover that in a bit.

It’s up to you which method you use, but be sure to compare apples-to-apples coverage information on every quote you get. If you compare mixed coverages it’s not possible to determine the lowest rate for your Saab 9-3. Just a small difference in coverage limits can result in a big premium difference. And when comparing car insurance rates, know that comparing a large number of companies provides better odds of finding the best offered rates.

Don’t miss these ten discounts

Car insurance companies do not list all available discounts in an easy-to-find place, so here is a list both the well known and also the lesser-known discounts you could be receiving.

  • New Vehicle Savings – Buying coverage on a new vehicle can save up to 30% due to better safety requirements for new cars.
  • Bundle and Save – If you insure your home and vehicles with the same insurance company you may save up to 20% off your total premium.
  • Early Switch Discount – A few companies offer discounts for switching to them before your current expiration date. It’s a savings of about 10%.
  • No Claims – Claim-free drivers pay much less when compared with drivers who are more careless.
  • Theft Prevention Discount – Vehicles equipped with anti-theft or alarm systems can help prevent theft and earn discounts up to 10%.
  • Anti-lock Brake Discount – Anti-lock brake equipped vehicles prevent accidents and therefore earn up to a 10% discount.
  • Discount for Good Grades – A discount for being a good student can get you a discount of up to 25%. The discount lasts up to age 25.
  • Homeowners Savings – Owning a home can help you save on insurance coverage because maintaining a house demonstrates responsibility.
  • Pay Now and Pay Less – By paying your policy upfront instead of monthly or quarterly installments you may reduce your total bill.
  • Discounts for Safe Drivers – Safe drivers may receive a discount up to 45% less for 9-3 insurance than less cautious drivers.

Consumers should know that some of the credits will not apply to your bottom line cost. Most only apply to specific coverage prices like collision or personal injury protection. Just because it seems like you would end up receiving a 100% discount, you won’t be that lucky.

For a list of companies offering insurance coverage discounts, click here to view.

When might I need help?

When it comes to buying adequate coverage for your personal vehicles, there is no perfect coverage plan. Each situation is unique.

For example, these questions can aid in determining whether your personal situation might need an agent’s assistance.

  • Is borrowed equipment or tools covered if stolen or damaged?
  • Am I covered if my car is in a flood?
  • Is a fancy paint job covered?
  • What is the difference between comprehensive and collision coverage?
  • Is there coverage for injuries to my pets?
  • When would I need additional glass coverage?
  • What happens if I owe more than my 1999 Saab 9-3 is worth?
  • What is covered by UM/UIM coverage?
  • Am I covered if I crash into my own garage door?
  • When can I cancel my policy?

If it’s difficult to answer those questions but you think they might apply to your situation, then you may want to think about talking to a licensed insurance agent. If you don’t have a local agent, fill out this quick form.

Insurance specifics

Learning about specific coverages of your insurance policy aids in choosing which coverages you need and proper limits and deductibles. The coverage terms in a policy can be confusing and coverage can change by endorsement.

Collision coverage

Collision coverage will pay to fix damage to your 9-3 resulting from a collision with another vehicle or an object, but not an animal. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for claims such as hitting a parking meter, damaging your car on a curb, colliding with another moving vehicle and backing into a parked car. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are 8 years or older. It’s also possible to bump up the deductible to get cheaper collision coverage.

Liability car insurance

This will cover damage or injury you incur to a person or their property in an accident. It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show liability limits of 25/50/25 which means $25,000 bodily injury coverage, a total of $50,000 of bodily injury coverage per accident, and a total limit of $25,000 for damage to vehicles and property.

Liability insurance covers claims like medical services, funeral expenses and attorney fees. The amount of liability coverage you purchase is your choice, but you should buy as much as you can afford.

Comprehensive coverage

Comprehensive insurance pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage pays for claims like vandalism, theft, rock chips in glass, damage from a tornado or hurricane and a broken windshield. The most you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Uninsured/Underinsured Motorist coverage

Uninsured or Underinsured Motorist coverage provides protection from other drivers when they either have no liability insurance or not enough. Covered claims include hospital bills for your injuries and also any damage incurred to your 1999 Saab 9-3.

Due to the fact that many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage should not be overlooked.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage kick in for bills for chiropractic care, prosthetic devices, rehabilitation expenses and EMT expenses. They are used to fill the gap from your health insurance policy or if you lack health insurance entirely. Coverage applies to both the driver and occupants and also covers being hit by a car walking across the street. PIP coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage