2004 Saab 9-5 Car Insurance Quotes – 8 Tips for Best Rates

Did you fall for a flashy sales pitch and buy an underperforming, overpriced insurance policy? Believe me when I say there are lots of people in the same boat.

Lots of insurers contend for your insurance dollar, so it can be very hard to choose a insurance company to find the absolute lowest rate

You need to compare rates once or twice a year because rates are rarely the same from one policy term to another. If you had the best price for 9-5 insurance last year other companies may now be cheaper. Starting now, forget all the misinformation about insurance because you’re going to get a crash course in one of the best ways to save money, get proper coverage and the best rates.

If you are paying for car insurance now, you will most likely be able to cut costs considerably using these methods. Buying car insurance is not that difficult. Although vehicle owners can benefit by having an understanding of how companies sell insurance online and take advantage of how the system works.

How to Lower Your Insurance Cost

There are a lot of ways you can shop for insurance but one way is less labor-intensive and much quicker. You can waste hours discussing policy coverages with local insurance agents in your area, or you can utilize online quoting to quickly compare rates.

Many companies enroll in a system that enables customers to enter their policy data once, and each participating company can give them a price. This prevents consumers from doing repetitive form submissions to each company.

To fill out one form to compare multiple rates now click here to open in new window.

The only drawback to doing it this way is buyers cannot specifically choose the insurers you want to price. So if you want to choose from a list of companies to compare rates, we have a page of insurance companies in your area. Click here to view list.

It’s your choice how you get your quotes, but ensure you’re using the exact same coverage limits for each comparison quote. If you are comparing different deductibles you can’t possibly determine the best price for your Saab 9-5. Having just a slight variation in insurance coverages can result in a big premium difference. And when quoting insurance, remember that getting more free quotes helps you find better pricing.

Do insurance coverage companies bend the truth?

21st Century, Allstate and State Farm constantly bombard you with ads in print and on television. All the companies make an identical promise that you can save if you switch your coverage to them. How does each company claim to save you money? This is how they do it.

Different companies are able to cherry pick for the right customer they prefer to insure. For example, a profitable customer might be between 25 and 40, is a homeowner, and chooses high deductibles. A customer who fits that profile gets the lowest rates and as a result will probably pay quite a bit less when switching companies.

Potential customers who don’t meet this ideal profile will be quoted a more expensive rate which usually ends up with the driver buying from a lower-cost company. The ads say “customers that switch” not “everyone that quotes” save that much money. This is how companies can truthfully make those claims. This emphasizes why it is so important to compare many company’s rates. You cannot predict which insurance coverage company will give you the biggest savings on Saab 9-5 insurance.

Take advantage of discounts

Car insurance companies don’t always publicize every discount very well, so we researched both well-publicized and the more hidden ways to save on insurance.

  • Government Employees – Being employed by or retired from a federal job may qualify you for a discount for 9-5 insurance with select insurance companies.
  • Discount for Life Insurance – Companies who offer life insurance give a break if you buy life insurance from them.
  • Anti-lock Brake Discount – Cars that have steering control and anti-lock brakes prevent accidents and will save you 10% or more.
  • Good Students Pay Less – This discount can save 20 to 25%. Earning this discount can benefit you up to age 25.
  • Military Discounts – Having a deployed family member could mean lower rates.
  • Student Driver Training – Make teen driver coverage more affordable by requiring them to complete a driver education course in high school.
  • Early Signing – Some companies give discounts for switching policies before your current policy expires. This can save 10% or more.
  • Homeowners Pay Less – Simply owning a home can save you money because owning a home shows financial diligence.

As a disclaimer on discounts, most of the big mark downs will not be given to your bottom line cost. A few only apply to specific coverage prices like physical damage coverage or medical payments. So when the math indicates it’s possible to get free car insurance, you’re out of luck.

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

How to know if you need help

When it comes to buying the right insurance coverage for your vehicles, there isn’t really a cookie cutter policy. Coverage needs to be tailored to your specific needs so this has to be addressed. These are some specific questions may help highlight whether you may require specific advice.

  • Is my 2004 Saab 9-5 covered for smoke damage?
  • Do I need medical payments coverage since I have good health insurance?
  • Does my policy cover my teen driver if they drive my company car?
  • Is a blown tire covered by insurance?
  • How high should deductibles be on a 2004 Saab 9-5?
  • Are rock chip repairs covered?
  • Is there coverage for injuries to my pets?
  • What is the difference between comprehensive and collision coverage?

If you can’t answer these questions then you might want to talk to an insurance agent. If you don’t have a local agent, simply complete this short form or go to this page to view a list of companies.

Auto insurance coverage information

Having a good grasp of your policy aids in choosing appropriate coverage at the best deductibles and correct limits. Policy terminology can be ambiguous and reading a policy is terribly boring. These are typical coverage types found on most insurance policies.

Coverage for medical expenses

Personal Injury Protection (PIP) and medical payments coverage pay for short-term medical expenses for things like funeral costs, chiropractic care, ambulance fees and prosthetic devices. The coverages can be used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover not only the driver but also the vehicle occupants and will also cover being hit by a car walking across the street. Personal Injury Protection is not available in all states but can be used in place of medical payments coverage

Liability coverages

This provides protection from injuries or damage you cause to other’s property or people that is your fault. This insurance protects YOU from legal claims by others. Liability doesn’t cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show liability limits of 25/50/25 which stand for a limit of $25,000 per injured person, a limit of $50,000 in injury protection per accident, and a total limit of $25,000 for damage to vehicles and property.

Liability coverage protects against claims such as funeral expenses, bail bonds, court costs and loss of income. How much coverage you buy is a personal decision, but you should buy as large an amount as possible.

Collision coverage protection

This covers damage to your 9-5 caused by collision with an object or car. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims like colliding with a tree, driving through your garage door, sustaining damage from a pot hole and damaging your car on a curb. Paying for collision coverage can be pricey, so consider removing coverage from older vehicles. Drivers also have the option to bump up the deductible to save money on collision insurance.

Comprehensive insurance

Comprehensive insurance pays to fix your vehicle from damage that is not covered by collision coverage. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims like damage from a tornado or hurricane, theft, fire damage, falling objects and hail damage. The most a insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Coverage for uninsured or underinsured drivers

This gives you protection when other motorists do not carry enough liability coverage. Covered claims include hospital bills for your injuries as well as damage to your Saab 9-5.

Since a lot of drivers only purchase the least amount of liability that is required, their limits can quickly be used up. This is the reason having UM/UIM coverage should not be overlooked.

Never pay more for less

Budget-conscious 2004 Saab 9-5 insurance is definitely available online and with local insurance agents, and you need to price shop both to get a complete price analysis. Some insurance companies do not offer online quoting and most of the time these smaller companies sell through independent agents.

As you restructure your insurance plan, it’s very important that you do not buy less coverage just to save a little money. There are many occasions where an accident victim reduced full coverage only to find out that they should have had better coverage. The aim is to buy a smart amount of coverage for the lowest price while still protecting your assets.

Much more information about insurance can be found at the links below