Save on 1999 Saab 9-3 Insurance Rates

Trying to find better car insurance rates for your Saab 9-3? Locating budget-priced car insurance might seem somewhat difficult for vehicle owners who are new to comparing prices over the internet. With so many companies competing online, how are we expected to effectively compare each option to find the best available price?

Finding the best rates is not that difficult. If you currently have car insurance, you will be able to lower your premiums substantially using this strategy. But car owners can benefit by having an understanding of how the larger insurance companies market insurance on the web.

Compare car insurance rates

There are a variety of methods you can shop for car insurance but one way is more efficient than others. You can waste a few hours (or days) talking about coverages with insurance agencies in your area, or you could save time and use online quoting to get prices fast.

All the larger companies take part in a program where prospective buyers complete one form, and every company then returns a price quote determined by their information. This eliminates the need for quote forms to each individual car insurance company.

To find out how much you can save on car insurance click here (opens in new window).

The only downside to getting quotes like this is you cannot specify the insurers you want pricing from. If you would rather choose specific insurance companies to receive pricing from, we put together a list of car insurance companies in your area. Click to view list.

Compare rates however you want, just do your best to use identical coverage information for each quote you get. If you have different deductibles it will be very difficult to determine the lowest rate for your Saab 9-3. Just slight variations in insurance coverages may cause a big price difference. Just keep in mind that obtaining a wide range of quotes provides better odds of finding a lower rate.

Do you really save 40% when you switch?

Popular insurance coverage providers such as Progressive, Geico, Allstate and State Farm seem to constantly run ads in print and on television. They all seem to make an identical promise about how much you will save after switching your coverage. It sounds good, but how can they all save you money? It’s all in the wording.

All the different companies give the cheapest rates for the type of driver that will not have excessive claims. An example of a desirable insured could be a married female, carries high limits, and chooses high deductibles. Any customer who matches that profile will qualify for the lowest prices and is almost guaranteed to cut their rates if they switch.

Potential insureds who cannot meet these stringent criteria will probably be forced to pay higher premiums which usually ends up with the driver buying from a lower-cost company. The ad wording is “people who switch” not “all people who quote” save that much. That’s why insurance companies can state the savings. This illustrates why you absolutely need to get a wide range of price quotes. Because without a comparison, you cannot know which insurance companies will have the best premium rates at this point in time.

Car insurance quotes and discounts

Some providers don’t always advertise every available discount very well, so here is a list some of the best known and the more hidden credits that may apply to you.

  • Auto/Life Discount – Car insurance companies who offer life insurance give lower premium rates if you buy auto and life insurance together.
  • Smart Student Discounts – This discount may save as much as 25% on a car insurance quote. The discount lasts well after school through age 25.
  • Multiple Policy Discount – When you have multiple policies with the same company you will save 10% to 20% off each policy.
  • Senior Discount – Drivers over the age of 55 may qualify for a slight reduction on a car insurance quote on 9-3 insurance.
  • Accident Forgiveness Coverage – Not really a discount, but companies like State Farm, Progressive and Geico will let one accident slide without raising rates if your claims history is clear before the accident.
  • Own a Home and Save – Owning a house can save you money due to the fact that maintaining a home shows financial diligence.
  • Buy New and Save – Buying a new car instead of a used car can be considerably cheaper since newer vehicles are generally safer.
  • Seat Belt Usage – Using a seat belt and requiring all passengers to fasten their seat belts may be able to save a few bucks off the personal injury premium cost.

As a footnote on discounts, most discount credits are not given to the overall cost of the policy. Most only apply to the cost of specific coverages such as comp or med pay. Despite the fact that it seems like you would end up receiving a 100% discount, you aren’t that lucky.

To choose companies who offer car insurance discounts, click here to view.

Situations that may require an agent’s advice

When choosing adequate coverage, there is no “best” method to buy coverage. Everyone’s situation is unique.

For instance, these questions may help you determine whether or not you may require specific advice.

  • How can I get high-risk coverage after a DUI?
  • Is there coverage for injuries to my pets?
  • Does coverage extend to my business vehicle?
  • I have good health insurance, so how much medical payments coverage do I need?
  • Which is better, split liability limits or combined limits?
  • Do I need motorclub coverage?
  • What can I do if my company won’t pay a claim?

If you’re not sure about those questions but you think they might apply to your situation, you may need to chat with a licensed agent. If you want to speak to an agent in your area, fill out this quick form.

Auto insurance 101

Knowing the specifics of your auto insurance policy can help you determine appropriate coverage and proper limits and deductibles. The terms used in a policy can be ambiguous and coverage can change by endorsement.

Collision coverage

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 have to pay a deductible and then insurance will cover the remainder.

Collision can pay for things like damaging your car on a curb, rolling your car and sustaining damage from a pot hole. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are older. It’s also possible to increase the deductible in order to get cheaper collision rates.

Comprehensive or Other Than Collision

Comprehensive insurance covers damage from a wide range of events other than collision. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things like damage from getting keyed, rock chips in glass, hitting a deer and damage from flooding. The most your auto insurance company will pay is the ACV or actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Liability insurance

This coverage protects you from damages or injuries you inflict on other’s property or people that is your fault. It protects YOU from legal claims by others. It does not cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You commonly see values of 50/100/50 which means $50,000 bodily injury coverage, a total of $100,000 of bodily injury coverage per accident, and a total limit of $50,000 for damage to vehicles and property.

Liability can pay for claims such as attorney fees, legal defense fees, funeral expenses and medical expenses. How much liability coverage do you need? That is your choice, but consider buying as much as you can afford.

Medical costs insurance

Med pay and PIP coverage provide coverage for immediate expenses for things like dental work, pain medications, chiropractic care, EMT expenses and doctor visits. They can be utilized in addition to your health insurance policy or if there is no health insurance coverage. They cover both the driver and occupants and also covers any family member struck as a pedestrian. Personal injury protection coverage is not available in all states but can be used in place of medical payments coverage

UM/UIM Coverage

This coverage provides protection when other motorists are uninsured or don’t have enough coverage. This coverage pays for injuries to you and your family as well as damage to your 1999 Saab 9-3.

Because many people only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is a good idea.

Be Smart and Buy Smart

Budget-conscious 1999 Saab 9-3 insurance can be purchased on the web and from local agencies, and you should compare price quotes from both to have the best rate selection. Some insurance providers do not offer internet price quotes and many times these regional insurance providers provide coverage only through independent insurance agents.

In this article, we covered a lot of information how to reduce 1999 Saab 9-3 insurance premium rates online. The key thing to remember is the more rate quotes you have, the higher the chance of saving money. Consumers could even find that the most savings is with a smaller regional carrier.

People switch companies for any number of reasons including unfair underwriting practices, poor customer service, delays in responding to claim requests and being labeled a high risk driver. No matter why you want to switch, finding the right car insurance provider is not as difficult as it may seem.

Much more information about car insurance is available at these links: