View 1998 Saab 900 Insurance Quotes

Looking for lower insurance rates for your Saab 900? Finding low-cost insurance for a Saab 900 can turn out to be an all-consuming task, but you can learn our insurance buying tips and make it easy.

There are both good and bad ways to shop for insurance and we’ll show you the proper way to compare rates for your Saab and obtain the cheapest rates either online or from local insurance agents.

Consumers need to get comparison quotes once or twice a year because insurance prices change quite often. Just because you found the best deal for 900 coverage six months ago other companies may now be cheaper. There are lots of tips to save on insurance out there, but by reading this article, you’re going to learn some excellent ideas to find cheap insurance.

Why your insurance rates might be higher

One of the most helpful ways to save on auto insurance is to to have a grasp of the factors that play a part in calculating the level of your policy premiums. If you know what determines base rates, this empowers consumers to make smart changes that may reward you with much lower annual insurance costs. Many different elements are taken into consideration when pricing auto insurance. Some are obvious such as traffic violations, but other factors are less obvious such as whether you are married and annual miles driven.

The list below includes a few of the things that factor into your rate level.

  • Bad credit will cost you – Having a bad credit score can be an important factor in calculating your premium rate. Insureds that have good credit tend to be more responsible as compared to drivers with lower credit ratings. If your credit rating is not that good, you could be paying less to insure your 1998 Saab 900 if you clean up your credit.
  • Bundle home and auto and save – The majority of insurers will give lower prices to customers who carry more than one policy such as combining an auto and homeowners policy. Discounts can amount to ten or even fifteen percent. Even if you’re getting this discount it’s in your best interest to get quotes from other companies to help ensure you have the lowest rates.There is a chance you can find better rates by buying auto insurance from a different company.
  • Females pay lower premiums – Over the last 50 years, statistics have shown females are less aggressive when driving. However, this does not mean women are BETTER drivers than men. Both genders tend to get into accidents at a similar rate, but males get into accidents with more damage. Men also have more aggressive citations like driving under the influence (DUI).
  • Vehicle options that lower auto insurance rates – Choosing a vehicle with advanced anti-theft systems can save you a little every year. Systems that thwart theives like LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system all aid in stopping vehicle theft.

Cheap insurance quotes

All the larger insurance companies give prices for coverage from their websites. The process doesn’t take a lot of time as you simply type in the coverages you want into the form. Once entered, their system obtains your driving and credit reports and generates pricing information based on these factors.

Being able to quote online makes it easy to compare insurance prices but having to visit each company’s website and repetitively enter the same data into a form gets old quite quickly. But it’s absolutely necessary to do this in order to get the best price possible.

There is a better way to compare rates

A more efficient way to lower your rates makes use of a single form that gets price quotes from many companies. The form is fast, requires much less work on your part, and makes online quotes much more enjoyable. After sending the form, it gets priced and you can select any of the price quotes you receive.

If a lower price is quoted, you can simply submit the application and purchase the new policy. It takes less than 15 minutes and you will know how your current rates stack up.

To save time and compare rates now, click here to open in a new tab and fill out the form. If you have your current policy handy, we recommend you duplicate the insurance coverages exactly as they are listed on your policy. Using the same limits helps guarantee you will have comparison quotes for exact coverage.

Discount insurance quotes

Companies offering auto insurance don’t necessarily list all their discounts in an easy-to-find place, so here is a list both the well known and also the lesser-known credits that may apply to you. If they aren’t giving you every credit you qualify for, you could be paying more than you need to.

  • Active Military Service – Being deployed with a military unit could qualify you for better prices.
  • Discount for Life Insurance – Larger insurance carriers have a lower rate if you buy a life policy as well.
  • Low Miles Discount – Low annual miles can earn better prices on cars that stay parked.
  • Accident Forgiveness Coverage – This one is not really a discount per se, but a few companies such as GEICO, Progressive, and Allstate will allow you to have one accident before they charge you more for coverage so long as you are claim-free for a particular time prior to the accident.
  • Telematics Devices – Drivers that enable companies to track their driving habits by using a small device installed in their vehicle such as State Farm’s In-Drive might get better premium rates as long as the data is positive.
  • Homeowners Discount – Owning a home may earn you a small savings because of the fact that having a home is proof of financial responsibility.
  • Seat Belts Save – Requiring all passengers to buckle up can save 10% or more off PIP or medical payments premium.

As a disclaimer on discounts, some of the credits will not apply to all coverage premiums. Most cut the price of certain insurance coverages like physical damage coverage or medical payments. If you do the math and it seems like you would end up receiving a 100% discount, you won’t be that lucky. But all discounts should help lower your policy premium.

A list of companies and their possible discounts are detailed below.

  • State Farm has discounts for good driver, multiple autos, Steer Clear safe driver discount, student away at school, and accident-free.
  • American Family may have discounts that include good driver, bundled insurance, early bird, air bags, Steer into Savings, accident-free, and good student.
  • GEICO offers discounts including multi-policy, federal employee, good student, driver training, military active duty, and multi-vehicle.
  • 21st Century policyholders can earn discounts including student driver, teen driver, early bird, good student, anti-lock brakes, and automatic seat belts.
  • Progressive offers premium reductions for homeowner, good student, online signing, continuous coverage, and online quote discount.

If you need cheaper auto insurance quotes, ask every insurance company to apply every possible discount. Some discounts may not be available in every state.

Tailor your auto insurance coverage to you

When it comes to buying adequate coverage for your personal vehicles, there is no cookie cutter policy. Everyone’s situation is a little different.

For example, these questions could help you determine if your situation may require specific advice.

  • What if I owe more than I can insure my car for?
  • Am I covered when driving a rental car?
  • Does my medical payments coverage pay my health insurance deductible?
  • When would I need additional glass coverage?
  • How many claims can I have before being cancelled?
  • Can I rent a car in Mexico?
  • Do I need replacement cost coverage on my 1998 Saab 900?
  • Can I get a multi-policy discount for packaging my home and auto coverage?

If it’s difficult to answer those questions but a few of them apply, you might consider talking to an agent. To find an agent in your area, complete this form. It’s fast, free and can provide invaluable advice.

Auto insurance 101

Knowing the specifics of your car insurance policy helps when choosing which coverages you need for your vehicles. The terms used in a policy can be difficult to understand and even agents have difficulty translating policy wording.

Comprehensive (Other than Collision) – This coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers things such as rock chips in glass, hitting a deer, a tree branch falling on your vehicle, damage from a tornado or hurricane and fire damage. The highest amount your car insurance company will pay is the market value of your vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Liability auto insurance – This can cover damages or injuries you inflict on people or other property in an accident. This insurance protects YOU from claims by other people, and does not provide coverage for 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. You might see policy limits of 25/50/25 that translate to a limit of $25,000 per injured person, a total of $50,000 of bodily injury coverage per accident, and a total limit of $25,000 for damage to vehicles and property. Another option is a combined limit which limits claims to one amount and claims can be made without the split limit restrictions.

Liability coverage protects against claims such as structural damage, loss of income, bail bonds and legal defense fees. How much liability coverage do you need? That is a personal decision, but you should buy as high a limit as you can afford.

Protection from uninsured/underinsured drivers – This provides protection from other motorists when they do not carry enough liability coverage. It can pay for injuries sustained by your vehicle’s occupants as well as damage to your Saab 900.

Due to the fact that many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is important protection for you and your family. Normally these limits do not exceed the liability coverage limits.

Medical expense insurance – Medical payments and Personal Injury Protection insurance kick in for short-term medical expenses such as prosthetic devices, ambulance fees, EMT expenses, doctor visits and dental work. The coverages can be used to cover expenses not covered by your health insurance plan or if you are not covered by health insurance. They cover both the driver and occupants as well as getting struck while a pedestrian. Personal Injury Protection is not available in all states but it provides additional coverages not offered by medical payments coverage

Collision – Collision coverage pays to fix your vehicle from damage resulting from a collision with another car or object. 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 hitting a mailbox, backing into a parked car, colliding with another moving vehicle and sustaining damage from a pot hole. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from older vehicles. Drivers also have the option to choose a higher deductible to save money on collision insurance.

Don’t be a big spender

When getting auto insurance quotes online, you should never reduce needed coverages to save money. There are many occasions where drivers have reduced liability coverage limits and discovered at claim time that it was a big mistake. The goal is to purchase a proper amount of coverage at the best price, but do not sacrifice coverage to save money.

Drivers switch companies for a variety of reasons including an unsatisfactory settlement offer, unfair underwriting practices, policy cancellation or even questionable increases in premium. Regardless of your reason for switching companies, finding a great new company is actually quite simple.

We covered a lot of techniques to save on 1998 Saab 900 insurance. The key concept to understand is the more quotes you get, the better likelihood of getting cheaper auto insurance. Consumers could even find that the biggest savings come from the least-expected company.

Much more information about auto insurance is available at the links below