2003 Saab 9-3 Insurance Rates

Trying to find cheaper insurance coverage rates for your Saab 9-3? I can’t think of a single person who likes having to buy insurance coverage, especially knowing they could get a better deal.

Companies like State Farm, Geico and Farmers Insurance continually hit you with catchy ads and it is challenging if not impossible to ignore the promise of big savings and effectively compare rates to find the best deal.

If you currently have car insurance, you should be able to cut costs considerably using this information. Finding the best rates is easy if you know what you’re doing. But drivers benefit from understanding how insurance companies compete online because it can help you find the best coverage.

Affordable insurance

Performing a rate comparison can take time and effort if you don’t know the most efficient way. You could waste a few hours talking about coverages with insurance companies in your area, or you can utilize the internet to accomplish the same thing much quicker.

Many of the larger companies belong to a marketplace that allows shoppers to only type in their quote data once, and every company returns a rated price for coverage. This system prevents you from having to do quote requests for each company you want a rate for. To get comparison pricing now click to open in new window.

The one downside to using this type of form is you are unable to specify the insurers you want to price. If you would rather choose specific providers to compare rates, we put together a list of insurance companies in your area. View list of insurance companies.

It’s your choice how you get your quotes, but try to keep apples-to-apples deductibles and coverage limits for every company. If each company quotes different data then you won’t be able to determine the best price for your Saab 9-3. Even a minor difference in insurance coverages could throw off the whole comparison. And when price shopping your coverage, having more price comparisons gives you a better chance of getting more affordable rates.

Discounts to earn cheaper insurance rates

Insurance is expensive, but you may find discounts to reduce the price significantly. Certain credits will be shown when you quote, but a few must be specifically requested prior to receiving the credit.

  • Early Switch Discount – Some companies give discounts for renewing your policy prior to the expiration date on your current policy. Ten percent is about the average savings.
  • Multiple Cars – Purchasing coverage when you have multiple vehicles on the same insurance policy qualifies for this discount.
  • Federal Employees – Active or retired federal employment may qualify for a discount when you quote auto insurance for 9-3 coverage depending on your insurance provider.
  • Bundle and Save – If you can combine your auto and homeowners policy and place coverage with the same company you could earn a discount of as much as 10 to 15 percent.
  • Discount for New Cars – Buying insurance coverage on a new vehicle can get you a discount because new model year vehicles have to meet stringent safety requirements.

As a sidenote, most discounts do not apply to the entire cost. Most only reduce specific coverage prices like comprehensive or collision. Just because it seems like you could get a free insurance policy, insurance companies aren’t that generous.

Companies and some of the discounts can be read below.

  • State Farm includes discounts for passive restraint, driver’s education, safe vehicle, multiple autos, multiple policy, good driver, and anti-theft.
  • Geico may include discounts for anti-lock brakes, emergency military deployment, anti-theft, good student, and seat belt use.
  • Allstate may offer discounts for good payer, FullPay discount, auto/life discount, multi-policy, safe driver, and defensive driver.
  • SAFECO offers premium reductions for anti-lock brakes, teen safe driver, homeowner, bundle discounts, drive less, multi-car, and anti-theft.
  • Farm Bureau may have discounts that include youthful driver, safe driver, driver training, multi-vehicle, good student, 55 and retired, and multi-policy.
  • Progressive policyholders can earn discounts including online quote discount, homeowner, multi-vehicle, continuous coverage, online signing, multi-policy, and good student.
  • AAA has savings for good student, multi-policy, multi-car, AAA membership discount, anti-theft, education and occupation, and good driver.

Before purchasing a policy, check with each insurance company which credits you are entitled to. Some of the discounts discussed earlier may not be offered in your area. To locate insurance companies with the best insurance discounts, click this link.

Insurance premium influencing factors

A large part of saving on insurance coverage is knowing the factors that come into play when calculating your premiums. When you understand what influences your rates, this empowers consumers to make smart changes that could result in better insurance coverage rates.

  • Lower insurance coverage rates with alarm systems – Driving a car with a theft deterrent system can save you some money. Theft prevention devices like LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system can help prevent auto theft.
  • Rates can drop if you have more than one policy – Most larger insurers apply better rates to people who carry more than one policy in the form of a multi-policy discount. Even though this discount sounds good, it’s still a good idea to get quotes from other companies to guarantee you are still saving the most. It’s possible to still find a better deal by buying insurance coverage from a different company.
  • Do you save by driving less? – The more you drive your Saab in a year the more you’ll pay to insure it. The majority of insurers calculate rates determined by how the vehicle is used. Vehicles that do not get driven very much qualify for better rates than vehicles that have high annual mileage. An incorrectly rated 9-3 is just wasting money. It’s always a good idea to double check that your policy reflects annual mileage.
  • Accidents can increase prices – Your driving record influences premium rates substantially. Attentive drivers pay lower auto insurance prices as compared to careless drivers. Even a single citation can increase rates forty percent or more. Drivers who have gotten multiple violations such as reckless driving or DUI might be required by their state to file a proof of financial responsibility form (SR-22) with their state DMV in order to legally drive a vehicle.
  • Does your occupation cost you more? – Occupations such as judges, executives and emergency personnel generally have higher rates than the rest of us because of high stress levels and long work hours. On the flip side, careers like actors, engineers and performers have the lowest average rates for 9-3 coverage.
  • Lower premiums for safer vehicles – Safe vehicles can get you lower premiums. Safe vehicles protect occupants better and lower injury rates means less claims paid and thus lower rates. If your Saab 9-3 is rated at a minimum four stars on Safercar.gov it may cost less to insure.
  • Coverage lapses lead to higher rates – Letting your insurance expire is a sure-fire way to trigger a rate increase. In addition to paying higher rates, being ticketed for driving with no insurance will get you a hefty fine and possibly a revoked license. You could then be forced to file a SR-22 with your state motor vehicle department.

Tailor your car insurance coverage to you

When buying coverage, there really is no one size fits all plan. Every insured’s situation is different and your policy should reflect that. Here are some questions about coverages that could help you determine if your insurance needs would benefit from an agent’s advice.

  • Does car insurance cover theft of personal property?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • What can I do if my company won’t pay a claim?
  • When can I cancel my policy?
  • Am I covered if I wreck a rental car?
  • Am I covered if my car is in a flood?
  • When should I drop full coverage on my 2003 Saab 9-3?

If you don’t know the answers to these questions but one or more may apply to you, then you may want to think about talking to an agent. If you want to speak to an agent in your area, complete this form or click here for a list of car insurance companies in your area.

Big names are not always cheapest

Respected companies like State Farm, Geico and Progressive constantly bombard you with ads on television and other media. They all state the claim of big savings if you switch your coverage to them. How does every company sell you cheaper insurance coverage? It’s all in how they say it.

Companies have an ideal profile for the driver that will most likely be profitable. One example of a desirable risk could possibly be a married female, has no driving citations, and chooses high deductibles. A customer getting a price quote who fits that profile gets the lowest prices and as a result will probably save when they switch companies.

Drivers who fall outside the requirements will be quoted higher prices and the customer buying from a different company. The wording the ads use say “people who switch” not “all people who quote” save that kind of money. That’s why insurance companies can claim big savings. Because each company has a different risk profile, it is so important to get auto insurance quotes from several different companies. It is just not possible to predict which insurance companies will be your best fit.

Insurance coverage basics

Knowing the specifics of insurance aids in choosing the right coverages and proper limits and deductibles. Policy terminology can be ambiguous and reading a policy is terribly boring. These are typical coverage types found on most insurance policies.

Collision – Collision coverage pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. You first must pay a deductible then your collision coverage will kick in.

Collision coverage protects against claims such as colliding with a tree, backing into a parked car, scraping a guard rail and sideswiping another vehicle. Paying for collision coverage can be pricey, so consider removing coverage from older vehicles. Drivers also have the option to choose a higher deductible in order to get cheaper collision rates.

UM/UIM Coverage – This coverage gives you protection from other motorists when they do not carry enough liability coverage. It can pay for hospital bills for your injuries as well as your vehicle’s damage.

Due to the fact that many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is important protection for you and your family.

Comprehensive or Other Than Collision – Comprehensive insurance will pay to fix damage OTHER than collision with another vehicle or object. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims like fire damage, rock chips in glass, hitting a deer, hail damage and damage from getting keyed. The highest amount you’ll receive from a claim 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.

Medical costs insurance – Med pay and PIP coverage reimburse you for short-term medical expenses like funeral costs, nursing services, ambulance fees, dental work and X-ray expenses. The coverages can be utilized in addition to your health insurance plan or if you do not have health coverage. Coverage applies to not only the driver but also the vehicle occupants and also covers getting struck while a pedestrian. PIP coverage is not universally available and gives slightly broader coverage than med pay

Auto liability insurance – This coverage can cover injuries or damage you cause to people or other property that is your fault. It protects YOU from claims by other people, and doesn’t cover your injuries or vehicle damage.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see limits of 25/50/25 which means a $25,000 limit per person for injuries, a limit of $50,000 in injury protection per accident, and $25,000 of coverage for damaged propery.

Liability insurance covers claims like structural damage, pain and suffering, repair bills for other people’s vehicles and attorney fees. How much liability should you purchase? That is a decision to put some thought into, but it’s cheap coverage so purchase as large an amount as possible.

One last thing about your coverage

Throughout this article, we presented some good ideas how to reduce 2003 Saab 9-3 insurance rates online. The key concept to understand is the more times you quote, the higher the chance of saving money. Consumers could even find that the best price on insurance is with a small local company. These smaller insurers may only write in your state and offer lower car insurance rates than their larger competitors like Geico and State Farm.

Low-cost 2003 Saab 9-3 insurance is attainable on the web as well as from insurance agents, and you need to price shop both to have the best rate selection. There are still a few companies who may not have price quotes online and many times these regional insurance providers only sell coverage through independent agents.

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