View 2006 Saab 9-5 Insurance Quotes

Trying to find the cheapest insurance rates for your Saab 9-5? Tired of being strong-armed to buy car insurance? You are in the same boat as many other drivers. Because you have many companies to choose from, it can be challenging to find the right company.

How to Get Cheap Car Insurance

Comparing car insurance rates can take hours if you aren’t aware of the fastest way to get free quotes. You can waste a lot of time discussing policy coverages with local insurance agents in your area, or you can stay home and use online quotes to get prices fast.

Many popular insurance companies are enrolled in a marketplace where prospective buyers complete one form, and each company provides a quote based on the submitted data. This prevents consumers from doing quote forms to every company.

To use this form to compare 2006 Saab 9-5 insurance rates click here (opens in new window).

The one downside to getting quotes like this is you are unable to specify which carriers to get quotes from. So if you want to choose specific insurance companies for rate comparison, we have a page of car insurance companies in your area. Click here for list of insurance companies.

It’s up to you how you get prices quotes, just ensure you’re using apples-to-apples information for every company. If your comparisons have mixed coverages it’s not possible to make a fair comparison for your Saab 9-5.

Lower rates by qualifying for discounts

Car insurance companies do not advertise all available discounts very well, so we researched both the well known as well as the least known discounts you could be receiving. If you don’t get every credit possible, you’re paying more than you need to.

  • Paperwork-free – A few companies will discount your bill up to fifty bucks for buying a policy and signing up over the internet.
  • Pay Now and Pay Less – By paying your policy upfront instead of making monthly payments you can actually save on your bill.
  • Senior Discount – Older drivers can possibly qualify for better insurance rates on 9-5 coverage.
  • New Vehicle Savings – Adding a new car to your policy can cost up to 25% less because new vehicles have to meet stringent safety requirements.
  • Distant Student – Children who attend school more than 100 miles from home and do not have access to a covered vehicle can be insured at a reduced rate.
  • Military Discounts – Having a family member in the military could be rewarded with lower premiums.
  • Homeowners Discount – Owning a house can help you save on insurance because maintaining a house is proof that your finances are in order.
  • Bundle and Save – When you combine your home and auto insurance with one insurance company you may earn up to 20% off your total premium.
  • Drive Less and Save – Keeping the miles down on your Saab could be rewarded with lower rates on the low mileage vehicles.

As a disclaimer on discounts, some of the credits will not apply to the entire policy premium. Some only apply to individual premiums such as physical damage coverage or medical payments. So despite the fact that it appears you can get free auto insurance, companies wouldn’t make money that way.

A partial list of companies who might offer some of the above discounts may include but are not limited to:

Double check with each company which discounts they offer. Some discounts might not apply in every state.

Car insurance is unique, just like you

When it comes to choosing proper insurance coverage, there is no “perfect” insurance plan. Every situation is different so your insurance should reflect that Here are some questions about coverages that could help you determine whether or not you might need professional guidance.

  • Does my policy cover my teen driver if they drive my company car?
  • Should I carry comprehensive and collision coverage?
  • How much can I save by bundling my policies?
  • Should I waive the damage coverage when renting a car?
  • How can I get high-risk coverage after a DUI?
  • When does my teenage driver need to be added to my policy?
  • Are my friends covered when driving my 2006 Saab 9-5?
  • Is my camper covered by my car insurance policy?
  • Does having multiple vehicles earn me a discount?
  • Does my personal policy cover me when driving out-of-state?

If it’s difficult to answer those questions, you might consider talking to an agent. If you don’t have a local agent, fill out this quick form or click here for a list of insurance companies in your area. It’s fast, free and can help protect your family.

Information about specific coverages

Having a good grasp of insurance can be of help when determining the best coverages at the best deductibles and correct limits. Insurance terms can be ambiguous and nobody wants to actually read their policy. Shown next are typical coverage types available from insurance companies.

Medical expense insurance – Coverage for medical payments and/or PIP provide coverage for bills like ambulance fees, EMT expenses and rehabilitation expenses. They can be used in conjunction with a health insurance policy or if you are not covered by health insurance. They cover both the driver and occupants as well as getting struck while a pedestrian. PIP is only offered in select states and may carry a deductible

Collision – Collision coverage pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for things such as driving through your garage door, sustaining damage from a pot hole and hitting a parking meter. This coverage can be expensive, so analyze the benefit of dropping coverage from older vehicles. It’s also possible to raise the deductible in order to get cheaper collision rates.

Protection from uninsured/underinsured drivers – Uninsured or Underinsured Motorist coverage gives you protection when the “other guys” either are underinsured or have no liability coverage at all. Covered claims include hospital bills for your injuries as well as your vehicle’s damage.

Because many people only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is a good idea.

Comprehensive (Other than Collision) – Comprehensive insurance coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things such as a tree branch falling on your vehicle, vandalism, a broken windshield, hitting a bird and hail damage. The maximum amount 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.

Liability insurance – This coverage protects you from damage that occurs to other people or property by causing an accident. It protects you from legal claims by others. Liability doesn’t cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see values of 100/300/100 that translate to a limit of $100,000 per injured person, $300,000 for the entire accident, and $100,000 of coverage for damaged propery.

Liability coverage pays for things like legal defense fees, funeral expenses and medical expenses. The amount of liability coverage you purchase is up to you, but consider buying as large an amount as possible.