Trying to find better insurance rates for your Saab 9-5? Having to pay for overpriced insurance can empty your personal savings and put the squeeze on your family’s finances. Doing a price comparison is free, only takes a few minutes, and is a good way to slash your bill and have more diposable income.
Big companies like GEICO, Progressive and Allstate persitently shower you with catchy ads and it is challenging if not impossible to see through the deception and effectively compare rates to find the best deal.
The quickest way to compare policy rates is to take advantage of the fact almost all companies allow for online access to provide you with a free rate quote. To begin a comparison, all you need to do is give them rating details like if you’re married, whether you have decent credit, if you require a SR-22, and types of safety features. Your rating data is then sent to multiple different insurance companies and you receive quotes immediately.
Companies that sell car insurance do not advertise every available discount in a way that’s easy to find, so here is a list some of the more common and the more hidden savings tricks you should be using.
A little note about advertised discounts, some of the credits will not apply to your bottom line cost. Some only reduce the price of certain insurance coverages like medical payments or collision. Even though it may seem like you would end up receiving a 100% discount, you’re out of luck.
A partial list of companies that possibly offer these discounts are:
Double check with each insurance company how you can save money. Discounts might not be offered in your area.
When choosing the right insurance coverage for your vehicles, there really is not a “perfect” insurance plan. Everyone’s situation is a little different so your insurance should reflect that These are some specific questions may help you determine whether your personal situation would benefit from professional advice.
If it’s difficult to answer those questions, then you may want to think about talking to an insurance agent. To find lower rates from a local agent, take a second and complete this form or go to this page to view a list of companies.
Learning about specific coverages of your policy helps when choosing appropriate coverage and the correct deductibles and limits. The coverage terms in a policy can be impossible to understand and nobody wants to actually read their policy. Listed below are the usual coverages offered by insurance companies.
Comprehensive coverage – This coverage pays for 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 damage from getting keyed, damage from a tornado or hurricane, hail damage and rock chips in glass. The most you can receive from a comprehensive claim is the actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.
Collision coverage – This coverage covers damage to your 9-5 resulting from colliding with an object or car. You first must pay a deductible and then insurance will cover the remainder.
Collision insurance covers claims such as driving through your garage door, crashing into a building, hitting a mailbox, colliding with another moving vehicle and sideswiping another vehicle. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are older. You can also choose a higher deductible to save money on collision insurance.
Medical payments coverage and PIP – Med pay and PIP coverage provide coverage for bills such as rehabilitation expenses, funeral costs, X-ray expenses, doctor visits and EMT expenses. The coverages can be utilized in addition to your health insurance policy or if you are not covered by health insurance. It covers you and your occupants and will also cover if you are hit as a while walking down the street. PIP is only offered in select states but can be used in place of medical payments coverage
Auto liability – Liability coverage provides protection from injuries or damage you cause to other’s property or people in an accident. This insurance protects YOU against claims from other people, and doesn’t 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 policy limits of 50/100/50 that means you have $50,000 in coverage for each person’s injuries, a limit of $100,000 in injury protection per accident, and a limit of $50,000 paid for damaged property.
Liability coverage protects against claims such as emergency aid, repair bills for other people’s vehicles, medical expenses, attorney fees and legal defense fees. How much coverage you buy is up to you, but buy as high a limit as you can afford.
Uninsured/Underinsured Motorist coverage – This coverage gives you protection from other drivers 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.
Due to the fact that many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is a good idea.
We just covered a lot of tips how to get a better price on 1999 Saab 9-5 insurance. It’s most important to understand that the more rate comparisons you have, the higher the chance of saving money. Consumers may even find the best price on insurance coverage is with the smaller companies. Smaller companies can often provide lower rates in certain areas than the large multi-state companies such as State Farm and Allstate.
As you prepare to switch companies, you should never reduce needed coverages to save money. There are too many instances where an insured dropped liability coverage limits to discover at claim time that they should have had better coverage. Your aim should be to buy the best coverage you can find at a price you can afford, not the least amount of coverage.
More tips and info about insurance coverage can be read by following these links: