Save on 2002 Saab 9-3 Insurance Cost

Want better insurance coverage rates for your Saab 9-3? Trying to find better insurance prices for your Saab 9-3 can turn out to be a painful process, but you can follow a few tricks to save time. There is a right way and a wrong way to buy insurance coverage and you need to know the best way to get price quotes for a new or used Saab and find the cheapest rates.

You should make it a habit to compare prices quite often since rates fluctuate regularly. Just because you found the lowest rates for 9-3 coverage last year a different company probably has better rates today. There is a lot of bad information regarding insurance coverage online, so by reading this article, you’re going to learn some guaranteed methods to stop overpaying for insurance.

If you have a current insurance coverage policy or are just looking to switch companies, you can learn to shop for the lowest rates while maximizing coverage. Buying affordable insurance coverage can be fairly easy. Drivers just need to understand the proper methods to get comparison quotes online.

Compare Quotes for Insurance Coverage

Lowering your 2002 Saab 9-3 insurance coverage rates doesn’t have to be difficult. Drivers just need to spend a little time to compare rate quotes provided by online insurance companies. This can be done in just a few minutes using one of these methods.

  1. One of the simplest ways to compare a lot of rates at once is a comparison rater form (click to open form in new window). This type of form keeps you from doing separate forms for each company. Just one form will return quotes from insurance coverage companies with the best prices. Just one form and you’re done.
  2. A more difficult way to get comparison quotes is to manually visit the website of each company to request a price quote. For example, we’ll assume you want rates from State Farm, Allstate and Travelers. To get rate quotes you would need to take the time to go to each site and enter your information, which is why the first method is quicker.

    To view a list of companies in your area, click here.

  3. The hardest method to compare rates is to spend your day driving to local insurance agencies. Buying insurance online makes this process obsolete unless you require the professional guidance of a local agent. However, consumers can price shop your coverage online and get advice from an agent in your area and we’ll cover that in a bit.

It’s your choice how you get your quotes, but compare apples-to-apples information with every price quote. If you are comparing different liability limits it will be next to impossible to determine which rate is truly the best.

Don’t pay full price with these discounts

Car insurance companies don’t always list every available discount very well, so we took the time to find both the well known and the more hidden discounts you could be receiving. If you don’t get every credit you qualify for, you’re just leaving money on the table.

  • Government Employees – Active or retired federal employment can earn a discount up to 10% for 9-3 coverage depending on your company.
  • E-sign – Some insurance companies will discount your bill up to fifty bucks for buying your policy on their website.
  • Own a Home – Being a homeowner can help you save on insurance because owning a home is proof that your finances are in order.
  • Discount for New Cars – Adding a new car to your policy can be considerably cheaper compared to insuring an older model.
  • Pay Upfront and Save – If you pay your entire premium ahead of time instead of monthly or quarterly installments you could save up to 5%.
  • Discount for Swiching Early – Some companies give discounts for buying a policy before your current expiration date. The savings is around 10%.
  • 55 and Retired – If you qualify as a senior citizen, you can possibly qualify for reduced rates for 9-3 coverage.
  • Multiple Policy Discount – If you insure your home and vehicles with one company you may save 10% to 20% off each policy.
  • Club Memberships – Participating in a qualifying organization could qualify you for a break when shopping for insurance for 9-3 coverage.
  • Passive Restraints – Vehicles with factory air bags and/or automatic seat belt systems can get savings of 20% or more.

A little note about advertised discounts, some credits don’t apply to the entire cost. Some only reduce individual premiums such as comp or med pay. So even though they make it sound like you would end up receiving a 100% discount, you won’t be that lucky.

To see a list of insurance companies who offer insurance discounts, follow this link.

Your personal situation dictates your coverage

When it comes to buying proper insurance coverage, there is no “perfect” insurance plan. Each situation is unique.

Here are some questions about coverages that may help you determine whether your personal situation would benefit from professional advice.

  • Why am I required to buy high-risk coverage?
  • Is my Saab 9-3 covered if I use it for business?
  • Should I buy full coverage?
  • Do I really need UM/UIM coverage?
  • Do I need to file an SR-22 for a DUI in my state?
  • Where can I get insurance after a DUI in my state?

If you can’t answer these questions then you might want to talk to a licensed agent. If you don’t have a local agent, complete this form. It’s fast, free and you can get the answers you need.

Factors determining your Saab 9-3 insurance premium

Consumers need to have an understanding of the rating factors that help determine the rates you pay for car insurance. Knowing what determines base rates allows you to make educated decisions that will entitle you to better car insurance rates.

  • Do you work long hours in a high stress job? – Occupations such as lawyers, business owners and accountants tend to pay higher rates than average in part from high stress levels and lengthy work days. On the flip side, occupations like actors, athletes and retirees have the lowest average rates for 9-3 coverage.
  • Increase deductibles and save – Physical damage insurance, otherwise known as comp (or other than collision) and collision, protects your Saab from damage. A few examples of covered claims would be a windshield shattered by a rock, damage caused by hail, and windstorm damage. Deductibles for physical damage are the amount of money you are required to spend before a claim is paid by your company. The higher the amount you have to pay, the less your car insurance will be for 9-3 coverage.
  • Discounts for multiple policies – Some car insurance companies provide better rates to policyholders who have multiple policies with them such as combining an auto and homeowners policy. Discounts can add up to ten or even up to twenty percent in some cases. If you currently are using one company, it’s still a good idea to compare other company rates to confirm you are receiving the best rates possible. Drivers may still find better rates by buying car insurance from a different company.
  • Liability insurance protects assets – Your policy’s liability coverage is the coverage that protects you in the event that a court rules you are at fault for causing damage or personal injury in an accident. Liability provides for a legal defense which can cost thousands of dollars. Liability is cheap as compared to coverage for physical damage, so do not cut corners here.
  • Do you know you’re credit rating? – Credit score is a important factor in determining your rates. Therefore, if your credit is lower than you’d like, you could save money insuring your 2002 Saab 9-3 by improving your credit score. Consumers who have high credit scores tend to be less risk to insure than those with poor credit.
  • More people means more accidents – Residing in small towns and rural areas has it’s advantages when insuring your vehicles. Urban drivers tend to have congested traffic and longer commutes to work. Fewer people means fewer accidents and also fewer theft and vandalism claims.

Switch companies and save? Really?

Drivers constantly see and hear ads for cheaper car insurance from companies such as State Farm, Allstate and GEICO. All the companies make the same claim that you can save if you move your policy.

How does each company say the same thing? This is how they do it.

Insurance companies are able to cherry pick for the driver that makes them money. A good example of a preferred risk might be between the ages of 40 and 55, insures multiple vehicles, and has a high credit rating. A propective insured that hits that “sweet spot” will get very good rates and most likely will save when they switch companies.

Potential insureds who are not a match for these standards will be quoted more money which leads to the customer not buying. Company advertisements say “people who switch” not “everyone that quotes” save money. That’s why insurance companies can confidently claim big savings. This emphasizes why you absolutely need to get quotes from several different companies. You cannot predict which company will fit your personal profile best.

Insurance coverages and their meanings

Having a good grasp of insurance can help you determine the right coverages at the best deductibles and correct limits. Insurance terms can be confusing and coverage can change by endorsement.

Med pay and Personal Injury Protection (PIP)

Medical payments and Personal Injury Protection insurance provide coverage for short-term medical expenses such as rehabilitation expenses, surgery and doctor visits. They are utilized in addition to your health insurance policy or if there is no health insurance coverage. It covers all vehicle occupants in addition to any family member struck as a pedestrian. PIP is not available in all states but it provides additional coverages not offered by medical payments coverage

Comprehensive insurance

This pays for damage OTHER than collision with another vehicle or object. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for things such as hail damage, a tree branch falling on your vehicle, vandalism and damage from a tornado or hurricane. The maximum amount you can receive from a comprehensive claim is the actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Auto collision coverage

This coverage pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You first must pay a deductible then your collision coverage will kick in.

Collision can pay for claims like driving through your garage door, sideswiping another vehicle, hitting a mailbox and sustaining damage from a pot hole. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from lower value vehicles. It’s also possible to choose a higher deductible in order to get cheaper collision rates.

Uninsured/Underinsured Motorist (UM/UIM)

This coverage protects you and your vehicle’s occupants from other motorists when they are uninsured or don’t have enough coverage. This coverage pays for medical payments for you and your occupants and damage to your Saab 9-3.

Due to the fact that many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is a good idea.

Auto liability insurance

Liability coverage can cover injuries or damage you cause to other’s property or people that is your fault. It protects you against claims from other people, and doesn’t cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show policy limits of 100/300/100 that means you have $100,000 in coverage for each person’s injuries, a per accident bodily injury limit of $300,000, and a limit of $100,000 paid for damaged property.

Liability coverage pays for claims such as pain and suffering, medical services, medical expenses, emergency aid and structural damage. The amount of liability coverage you purchase is a decision to put some thought into, but you should buy as high a limit as you can afford.

Final considerations

Low-cost 2002 Saab 9-3 insurance is available both online in addition to many insurance agents, so you should be comparing quotes from both in order to have the best chance of saving money. There are still a few companies who do not provide online price quotes and these regional insurance providers work with independent agents.

We covered quite a bit of information on how to get a better price on insurance. The key thing to remember is the more you quote, the better chance you’ll have of finding lower rates. Drivers may discover the biggest savings come from an unexpected company.

When buying insurance coverage, you should never buy lower coverage limits just to save a few bucks. There are a lot of situations where an insured dropped liability limits or collision coverage only to regret at claim time that the savings was not a smart move. The aim is to get the best coverage possible at a price you can afford while not skimping on critical coverages.

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