2002 Saab 9-5 Insurance Quotes

Have you had enough of not being able to afford to insure your Saab every month? You are no different than many other drivers.

Because there are so many companies to choose from, it is hard for the average consumer to pick the right provider.

Finding Insurance Coverage Deals

Comparing insurance coverage rates can be a daunting task if you aren’t aware of the easiest way. You could waste a few hours talking about coverages with local insurance agents in your area, or you could use the web to accomplish the same thing much quicker.

Many of the larger companies participate in an industry program where insurance shoppers enter their coverage request one time, and each company can provide price quotes based on that information. This prevents consumers from doing quotation requests to each individual insurance coverage company.

To compare pricing click here to start a free quote.

The one disadvantage to using this type of form is you cannot specify the companies to get pricing from. If you prefer to choose individual companies to compare prices, we have a listing of the cheapest insurance coverage companies in your area. Click to view list.

It’s up to you which method you use, but make sure you use exactly the same deductibles and coverage limits for every quote you compare. If the quotes have different limits and deductibles on each one you can’t possibly make a fair comparison for your Saab 9-5. Just a small difference in insurance coverages can make a big difference in price. And when quoting insurance coverage, remember that more quotes will improve the odds of getting lower pricing.

Cut prices on 2002 Saab 9-5 insurance

Car insurance companies don’t always list every available discount in an easy-to-find place, so we took the time to find some of the more common and the more hidden ways to save on insurance.

  • Memberships – Participating in certain professional organizations could qualify you for a break on your policy for 9-5 insurance.
  • More Vehicles More Savings – Insuring multiple cars or trucks with the same company qualifies for this discount.
  • Payment Method – By paying your policy upfront rather than paying monthly you may reduce your total bill.
  • Student in College – Children who are attending college and don’t have a car may be able to be covered for less.
  • Accident Forgiveness – A handful of insurance companies allow you one accident before raising your premiums so long as you haven’t had any claims prior to the accident.
  • Military Discounts – Being deployed with a military unit can result in better rates.

Consumers should know that most of the big mark downs will not be given to your bottom line cost. Some only reduce specific coverage prices like comprehensive or collision. So when the math indicates adding up those discounts means a free policy, you’re out of luck.

Car insurance companies that possibly offer these discounts include:

Double check with each company which discounts you may be entitled to. Savings may not apply in your state.

Tailor your coverage to you

When buying adequate coverage for your personal vehicles, there really is no cookie cutter policy. Coverage needs to be tailored to your specific needs so your insurance needs to address that. For example, these questions may help you determine whether or not you might need an agent’s assistance.

  • Am I covered by my spouse’s policy after a separation?
  • Does car insurance cover theft of personal property?
  • Why am I required to buy liability insurance?
  • Do all my vehicles need collision coverage?
  • Is my babysitter covered when using my vehicle?
  • Do I need more liability coverage?
  • Why does it cost so much to insure a teen driver?

If you don’t know the answers to these questions but you think they might apply to your situation then you might want to talk to an insurance agent. To find an agent in your area, take a second and complete this form or go to this page to view a list of companies.

Car insurance 101

Understanding the coverages of a insurance policy can be of help when determining the right coverages for your vehicles. Policy terminology can be impossible to understand and nobody wants to actually read their policy. Below you’ll find the normal coverages found on most insurance policies.

Coverage for medical expenses – Med pay and PIP coverage pay for short-term medical expenses for hospital visits, dental work and rehabilitation expenses. They are often used to fill the gap from your health insurance program or if you lack health insurance entirely. Coverage applies to not only the driver but also the vehicle occupants as well as if you are hit as a while walking down the street. Personal Injury Protection is not available in all states and gives slightly broader coverage than med pay

Coverage for uninsured or underinsured drivers – Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other drivers when they do not carry enough liability coverage. Covered losses include hospital bills for your injuries as well as damage to your Saab 9-5.

Because many people only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is very important.

Comprehensive insurance – This coverage covers damage from a wide range of events other than collision. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things such as hail damage, falling objects, vandalism, theft and hitting a deer. The most a insurance company will pay at claim time is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Auto liability insurance – This coverage protects you from injuries or damage you cause to other people or property. It protects YOU from legal claims by others. It does not cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see values of 100/300/100 which means $100,000 bodily injury coverage, $300,000 for the entire accident, and $100,000 of coverage for damaged propery.

Liability insurance covers claims such as repair bills for other people’s vehicles, attorney fees and funeral expenses. How much liability coverage do you need? That is up to you, but consider buying as much as you can afford.

Collision coverages – Collision coverage pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage protects against things like sideswiping another vehicle, damaging your car on a curb, rolling your car and crashing into a ditch. Collision is rather expensive coverage, so consider dropping it from older vehicles. Drivers also have the option to choose a higher deductible to bring the cost down.

More choices the merrier

Cost effective 2002 Saab 9-5 insurance can be purchased online and also from your neighborhood agents, so compare prices from both in order to have the best chance of saving money. Some companies may not provide online quoting and these smaller companies work with independent agents.

We’ve covered quite a bit of information on how to lower your insurance rates. The key thing to remember is the more quotes you get, the better your comparison will be. Consumers may even find the best prices are with a smaller regional carrier. They may cover specific market segments cheaper as compared to the big name companies such as State Farm or Progressive.

Helpful information