2003 Saab 9-3 Insurance Rates – 8 Tips to Save

I can’t think of a single person who cherishes buying insurance coverage, especially knowing they are paying too much.

Companies like Geico, Progressive and Allstate all claim big savings with ad campaigns and it can be hard to see through the deception and take the time to shop coverage around.

Consumers should take time to do rate comparisons periodically because rates tend to go up over time. Just because you had the lowest rates for 9-3 insurance a few years ago there is a good chance you can find better rates now. You’ll find quite a bit of inaccurate information about insurance coverage on the web, but I’m going to show you some proven techniques to find cheap insurance coverage.

If you currently have car insurance, you will most likely be able to reduce your rates substantially using these techniques. Buying car insurance is quite easy. But vehicle owners benefit from understanding the methods companies use to sell insurance online because it can help you find the best coverage.

Cut your premium with these eight discounts

Insuring your fleet can be pricey, but you can get discounts that you may not know about. A few discounts will automatically apply at quote time, but some may not be applied and must be specifically requested before they will apply.

  • Pay Upfront and Save – If you pay your entire premium ahead of time instead of making monthly payments you could save 5% or more.
  • Passive Restraints – Vehicles with factory air bags may earn rate discounts up to 30%.
  • Organization Discounts – Belonging to a civic or occupational organization could trigger savings on car insurance for 9-3 insurance.
  • Anti-lock Brake System – Vehicles with anti-lock braking systems can avoid accidents and will save you 10% or more.
  • Discount for Good Grades – Performing well in school can earn a discount of 20% or more. This discount can apply well after school through age 25.
  • New Vehicle Savings – Insuring a new car can save up to 30% compared to insuring an older model.
  • Own a Home – Simply owning a home can help you save on car insurance because of the fact that having a home is proof that your finances are in order.
  • Distant Student – Children who live away from home and do not have a car can be insured at a reduced rate.

A little note about advertised discounts, most discounts do not apply to your bottom line cost. A few only apply to the price of certain insurance coverages like liability and collision coverage. Just because you may think you can get free auto insurance, you won’t be that lucky. Any amount of discount will cut your premiums.

Insurance companies that may have these benefits may include but are not limited to:

It’s a good idea to ask each insurance company what discounts are available to you. Some discounts might not apply in your area.

What is the best insurance coverage?

When it comes to buying the best car insurance coverage, there isn’t really a single plan that fits everyone. Coverage needs to be tailored to your specific needs so your insurance needs to address that. For instance, these questions can help discover if your insurance needs may require specific advice.

  • Am I covered when using my vehicle for business?
  • Does insurance cover tools stolen from my truck?
  • When can I cancel my policy?
  • When would I need additional glass coverage?
  • Am I covered if hit by an uninsured driver?
  • I have good health insurance, so how much medical payments coverage do I need?
  • How can I force my company to pay a claim?

If you can’t answer these questions then you might want to talk to an insurance agent. To find an agent in your area, fill out this quick form or go to this page to view a list of companies.

Can you really save that much by switching?

Companies like Geico, State Farm and Progressive regularly use ads in print and on television. All the ads say the same thing about savings if you move your policy. How does each company claim to save you money?

Different companies have a preferred profile for the type of driver they prefer to insure. For instance, a preferred risk could be over the age of 40, is a homeowner, and has a short commute. A propective insured that hits that “sweet spot” will get the preferred rates and therefore will save when they switch companies.

Consumers who are not a match for the “perfect” profile will be charged more money which usually ends up with the driver buying from a lower-cost company. Company advertisements say “customers who switch” but not “drivers who get quotes” save money. That is how companies can make those claims.

That is why drivers must compare as many rates as you can. It is impossible to predict which company will have the lowest Saab 9-3 insurance rates.

Insurance policy coverages for a Saab 9-3

Learning about specific coverages of a insurance policy can be of help when determining which coverages you need and the correct deductibles and limits. The coverage terms in a policy can be confusing and even agents have difficulty translating policy wording. Below you’ll find the usual coverages found on most insurance policies.

Coverage for collisions

Collision coverage will pay to fix damage to your 9-3 resulting from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims such as sideswiping another vehicle, hitting a mailbox and crashing into a building. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are 8 years or older. Another option is to bump up the deductible to bring the cost down.

Liability car insurance

Liability coverage provides protection from damage or injury you incur to other’s property or people. It protects YOU against other people’s claims, and does not provide coverage for your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show policy limits of 50/100/50 that translate to a $50,000 limit per person for injuries, a limit of $100,000 in injury protection per accident, and a limit of $50,000 paid for damaged property. Some companies may use a combined single limit or CSL that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability coverage protects against claims like loss of income, medical services, structural damage, bail bonds and pain and suffering. How much liability coverage do you need? That is a personal decision, but you should buy higher limits if possible.

Coverage for medical payments

Med pay and PIP coverage pay for short-term medical expenses for things like rehabilitation expenses, X-ray expenses, prosthetic devices and hospital visits. They are used in conjunction with a health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover both the driver and occupants and also covers if you are hit as a while walking down the street. Personal Injury Protection is not available in all states but it provides additional coverages not offered by medical payments coverage

Uninsured and underinsured coverage

Your UM/UIM coverage provides protection from other drivers when they do not carry enough liability coverage. It can pay for medical payments for you and your occupants as well as damage to your Saab 9-3.

Due to the fact that many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is very important. Most of the time these limits are set the same as your liablity limits.

Comprehensive coverages

Comprehensive insurance covers damage caused by mother nature, theft, vandalism and other events. A deductible will apply then your comprehensive coverage will pay.

Comprehensive insurance covers things such as a broken windshield, damage from flooding, damage from a tornado or hurricane and vandalism. The highest amount you’ll receive from a claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Do the work, save more money

We just showed you quite a bit of information on how to get a better price on 2003 Saab 9-3 insurance. The most important thing to understand is the more companies you get rates for, the better your chances of lowering your rates. You may be surprised to find that the best prices are with some of the smallest insurance companies. These companies may often insure only within specific states and give getter rates than the large multi-state companies such as State Farm and Allstate.

As you prepare to switch companies, it’s not a good idea to buy poor coverage just to save money. In too many instances, drivers have reduced liability coverage limits only to find out that a couple dollars of savings turned into a financial nightmare. Your strategy should be to buy the best coverage you can find at a price you can afford while still protecting your assets.

More information can be found at the links below