Cheap 1991 Saab 900 Insurance Quotes

Looking for cheaper auto insurance rates for your Saab 900? I really doubt anyone looks forward to buying auto insurance, in particular when their premiums are through the roof. Insurance companies such as State Farm, Allstate, Geico and Progressive all promote huge savings with ad campaigns and it is challenging if not impossible to ignore the propoganda and do the work needed to find the best deal.

How to buy insurance online

There are a lot of ways to shop for insurance, but there is one way that is easier and takes less work. You can spend your afternoon discussing policy coverages with insurance companies in your area, or you can stay home and use online quotes to get rates in a matter of minutes.

Many insurance companies enroll in a system that allows shoppers to only type in their quote data once, and each participating company then returns a price quote based on that information. This prevents consumers from doing quotation requests for each company.

To participate in this free quote system, click to open in new window.

The one downside to pricing coverage this way is you don’t know exactly which providers you want to price. If you would rather choose specific insurance companies for rate comparison, we have assembled a list of low cost insurance companies in your area. Click to view list.

Whichever way you use, make absolute certain that you use exactly the same quote information on every price quote you get. If each company quotes different deductibles you will not be able to determine the lowest rate for your Saab 900.

Insurance coverage companies offer lots of discounts

Insurance coverage is expensive, but you may be missing some discounts that can help lower your rates. Many of these discounts will be applied automatically when you complete an application, but some may not be applied and must be specifically requested before you will receive the discount. If you are not receiving all the discounts possible, you are just wasting money.

  • Accident-Free Discounts – Good drivers with no accidents can save substantially compared to insureds who have frequent claims or accidents.
  • ABS and Traction Control Discounts – Anti-lock brake equipped vehicles can stop better under adverse conditions and qualify for as much as a 10% discount.
  • Auto/Life Discount – Some insurance companies give a lower rate if you buy a life insurance policy as well.
  • Waiver for an Accident – This one isn’t a discount, but certain companies will turn a blind eye to one accident before raising your premiums so long as you are claim-free before the accident.
  • Seat Belts Save more than Lives – Drivers who require all occupants to use their safety belts could cut 10% or more on the medical payments or PIP coverage costs.

Don’t be surprised that most discounts do not apply to the overall cost of the policy. A few only apply to the cost of specific coverages such as collision or personal injury protection. Even though it may seem like you could get a free insurance coverage policy, companies don’t profit that way.

The best insurance coverage companies and the discounts they provide are included below.

  • Progressive includes discounts for multi-vehicle, multi-policy, continuous coverage, online signing, homeowner, good student, and online quote discount.
  • Geico offers discounts including anti-theft, anti-lock brakes, good student, federal employee, driver training, and multi-vehicle.
  • State Farm may have discounts that include accident-free, defensive driving training, good student, safe vehicle, anti-theft, Drive Safe & Save, and Steer Clear safe driver discount.
  • Esurance has savings for anti-lock brakes, multi-policy, online shopper, multi-car, good driver, and homeowner.
  • The Hartford offers premium reductions for air bag, anti-theft, good student, vehicle fuel type, driver training, defensive driver, and bundle.

When getting a coverage quote, ask all the companies how you can save money. Discounts may not apply in your area. To locate companies offering insurance coverage discounts, click this link.

Do I just need basic coverages?

When buying the right insurance coverage, there really is no best way to insure your cars. Your needs are not the same as everyone else’s so your insurance should reflect that Here are some questions about coverages that can aid in determining whether you could use an agent’s help.

  • Is my babysitter covered when using my vehicle?
  • How much can I save by bundling my policies?
  • When should my teen driver be added to my policy?
  • Do I need rental car coverage?
  • Will I be non-renewed for getting a DUI or other conviction?
  • How high should deductibles be on a 1991 Saab 900?
  • Which companies will insure high-risk drivers?
  • Am I better off with higher deductibles on my 1991 Saab 900?
  • Does coverage extend to a rental car in a foreign country?

If it’s difficult to answer those questions but you know they apply to you, you may need to chat with a licensed agent. To find lower rates from a local agent, complete this form or you can also visit this page to select a carrier It’s fast, doesn’t cost anything and may give you better protection.

Information about specific coverages

Knowing the specifics of a insurance policy can help you determine appropriate coverage at the best deductibles and correct limits. The terms used in a policy can be impossible to understand and coverage can change by endorsement. Below you’ll find typical coverages found on most insurance policies.

Insurance for medical payments

Coverage for medical payments and/or PIP provide coverage for expenses like nursing services, pain medications and hospital visits. The coverages can be used to fill the gap from your health insurance policy or if you do not have health coverage. They cover both the driver and occupants in addition to being hit by a car walking across the street. Personal injury protection coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Comprehensive coverage (or Other than Collision)

Comprehensive insurance covers damage that is not covered by collision coverage. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive insurance covers things like hail damage, a broken windshield, rock chips in glass, hitting a deer and a tree branch falling on your vehicle. The maximum amount a insurance company will pay at claim time is the actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Collision coverage

Collision insurance pays for damage to your 900 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 things like sideswiping another vehicle, crashing into a building, rolling your car, hitting a parking meter and colliding with a tree. Collision coverage makes up a good portion of your premium, so consider removing coverage from lower value vehicles. It’s also possible to raise the deductible to get cheaper collision coverage.

Uninsured Motorist or Underinsured Motorist insurance

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other drivers when they are uninsured or don’t have enough coverage. Covered losses include medical payments for you and your occupants as well as your vehicle’s damage.

Since many drivers have only the minimum liability required by law, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Coverage for liability

Liability coverage provides protection from injuries or damage you cause to other people or property in an accident. This coverage protects you from claims by other people. Liability doesn’t cover your own vehicle damage or injuries.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have limits of 50/100/50 which means a $50,000 limit per person for injuries, $100,000 for the entire accident, and a total limit of $50,000 for damage to vehicles and property.

Liability coverage protects against things like legal defense fees, bail bonds, repair costs for stationary objects, emergency aid and repair bills for other people’s vehicles. How much liability coverage do you need? That is a personal decision, but consider buying as large an amount as possible.

Final thoughts

Throughout this article, we presented many ideas to lower your 1991 Saab 900 insurance premium rates. The key thing to remember is the more providers you compare, the higher the chance of saving money. You may even discover the best premium rates are with a company that doesn’t do a lot of advertising. Regional companies may have significantly lower prices on certain market segments as compared to the big name companies such as State Farm and Allstate.

As you shop your coverage around, you should never buy poor coverage just to save money. Too many times, an insured cut physical damage coverage and discovered at claim time that saving that couple of dollars actually costed them tens of thousands. The proper strategy is to get the best coverage possible at the best possible price and still be able to protect your assets.

To learn more, link through to the resources below: