2000 Saab 9-5 Insurance Quotes – 7 Ideas for Cheaper Rates

Looking for cheaper insurance rates for your Saab 9-5? Finding cheaper insurance for a Saab 9-5 can normally be a lot of work, but you can use these tips to make it easier.

There is a better way to compare insurance rates and we’ll show you the proper way to quote coverages for a Saab and obtain the best price possible from local insurance agents and online providers.

If you are insured now or need new coverage, you can learn to find the best rates while maximizing coverage. Finding cheaper insurance coverage is quite easy. Vehicle owners just need to understand how to compare prices online.

Discounts mean cheaper 2000 Saab 9-5 insurance rates

The price of auto insurance can be rather high, buy you may qualify for discounts to cut the cost considerably. Certain discounts will be applied when you purchase, but some may not be applied and must be requested specifically before they will apply. If they aren’t giving you every credit available, you’re just leaving money on the table.

  • Sign Early and Save – A few companies offer discounts for switching to them prior to your current policy expiring. It can save you around 10%.
  • New Vehicle Savings – Putting insurance coverage on a new car can save up to 30% since new cars are generally safer.
  • Resident Student – Youth drivers who are attending college and do not have a car can be insured at a reduced rate.
  • Accident Forgiveness – A few companies permit an accident before your rates go up if you are claim-free for a certain period of time.
  • Anti-lock Brake System – Cars that have steering control and anti-lock brakes can reduce accidents and therefore earn up to a 10% discount.
  • Driver Safety – Successfully completing a course teaching defensive driving skills can save you 5% or more if your company offers it.
  • Homeowners Savings – Being a homeowner can save you money because of the fact that having a home shows financial diligence.

Consumers should know that most of the big mark downs will not be given to your bottom line cost. Most only apply to individual premiums such as comprehensive or collision. Even though it may seem like you would end up receiving a 100% discount, you’re out of luck. Any amount of discount will bring down the cost of coverage.

A partial list of companies that may have these benefits include:

Before buying, ask each insurance company which discounts you may be entitled to. Savings may not be available in your state.

Quick Car Insurance Quotes

Comparing car insurance rates can take time and effort if you don’t utilize the most efficient way. You can spend countless hours talking about coverages with local insurance agents in your area, or you could save time and use online quoting for quick rates.

Many insurance companies participate in an industry program where prospective buyers submit their information once, and at least one company can give them a price based on that information. This saves time by eliminating repetitive form submissions for each company.

To compare 2000 Saab 9-5 rates using this form now click here (opens in new window).

The single downside to comparing rates this way is that consumers can’t choose which carriers you want pricing from. So if you want to choose specific providers to receive pricing from, we put together a list of low cost car insurance companies in your area. Click to view list.

It’s up to you which method you use, but ensure you are comparing exactly the same coverage information on every quote you get. If you are comparing different values for each quote it will be very difficult to determine the best price for your Saab 9-5.

Tailor your coverage to you

When buying adequate coverage for your personal vehicles, there really is not a “perfect” insurance plan. Your needs are not the same as everyone else’s.

For example, these questions might point out if your insurance needs might need professional guidance.

  • What is the ISO rating for a 2000 Saab 9-5?
  • When should I not file a claim?
  • Is business equipment covered while in my vehicle?
  • Can I rate high risk drivers on liability-only vehicles?
  • Do I need added coverage for expensive stereo equipment?
  • Do I need more liability coverage?

If it’s difficult to answer those questions, you might consider talking to an agent. To find lower rates from a local agent, complete this form. It is quick, free and you can get the answers you need.

Advertising myths

Consumers can’t ignore all the ads that promise big savings by Progressive, Allstate and GEICO. They all seem to say the same thing about savings after switching to their company.

How does each company claim to save you money? This is how they do it.

Different companies have a certain “appetite” for the driver they prefer to insure. A good example of a preferred risk might be between 30 and 50, has no tickets, and has a short commute. A customer who fits that profile will get the preferred rates and as a result will probably save a lot of money.

Drivers who don’t qualify for these standards will be quoted higher prices which usually ends up with the customer not buying. The ad wording is “customers who switch” not “people who quote” save that much. That’s the way companies can make those claims.

This emphasizes why you absolutely need to quote coverage with many companies. It’s just too difficult to predict which insurance companies will have the lowest Saab 9-5 insurance rates.

Specific coverage details

Learning about specific coverages of your insurance policy can help you determine the right coverages and proper limits and deductibles. The coverage terms in a policy can be difficult to understand and reading a policy is terribly boring.

Insurance for medical payments

Coverage for medical payments and/or PIP reimburse you for short-term medical expenses for things like X-ray expenses, EMT expenses, nursing services and rehabilitation expenses. They are often utilized in addition to your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover both the driver and occupants and will also cover getting struck while a pedestrian. Personal injury protection coverage is not available in all states and gives slightly broader coverage than med pay

Auto liability insurance

Liability coverage protects you from damage or injury you incur to people or other 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. You might see policy limits of 50/100/50 that translate to a $50,000 limit per person for injuries, $100,000 for the entire accident, and a limit of $50,000 paid for damaged property. Another option is one limit called combined single limit (CSL) that pays claims from the same limit without having the split limit caps.

Liability coverage protects against claims like loss of income, emergency aid, repair bills for other people’s vehicles, funeral expenses and medical expenses. How much coverage you buy is your choice, but buy higher limits if possible.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things like fire damage, damage from getting keyed and theft. The maximum payout you can receive from a comprehensive claim is the cash value of the vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

Uninsured Motorist or Underinsured Motorist insurance

This coverage protects you and your vehicle when other motorists either have no liability insurance or not enough. Covered losses include hospital bills for your injuries and also any damage incurred to your 2000 Saab 9-5.

Because many people have only the minimum liability required by law, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is important protection for you and your family. Normally your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Collision insurance

Collision insurance covers damage to your 9-5 from colliding with an object or car. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against things such as colliding with another moving vehicle, damaging your car on a curb, colliding with a tree, crashing into a ditch and hitting a mailbox. This coverage can be expensive, so consider dropping it from older vehicles. Drivers also have the option to choose a higher deductible to bring the cost down.

Buy Smart and Save

In this article, we presented a lot of tips how to shop for 2000 Saab 9-5 insurance online. It’s most important to understand that the more price quotes you have, the higher the chance of saving money. You may even discover the biggest savings come from a small local company.

Drivers leave their current company for many reasons like high rates after DUI convictions, questionable increases in premium, poor customer service or even delays in responding to claim requests. Whatever your reason, switching auto insurance companies can be easier than you think.

As you go through the steps to switch your coverage, do not skimp on critical coverages to save a buck or two. Too many times, an insured cut full coverage only to regret at claim time that it was a big mistake. Your goal should be to buy enough coverage for the lowest price while still protecting your assets.

Much more information about auto insurance is located on the following sites: