How Much Does 1999 Saab 9-5 Insurance Cost?

If you are new to online price comparisons, you can be confused by the crazy number of companies that all promise the best rates.

The purpose of this post is to help educate you on how to effectively get price quotes and some money-saving tips. If you have car insurance now, you stand a good chance to be able to cut costs considerably using this information. Although vehicle owners benefit from understanding how insurance companies price online insurance and apply this information to your search.

How much does auto insurance cost?

Most companies like Progressive, Allstate and GEICO allow consumers to get coverage price quotes on their websites. Comparing rates online is fairly straightforward as you just type in the coverage amounts you desire into the form. Once entered, their system obtains credit information and your driving record and returns pricing information determined by many factors.

Quoting online makes it a lot easier to compare rates but the time required to go to multiple sites and type in the same data is not the best way to spend an afternoon. Unfortunately, it is important to get many rate quotes in order to get the best price possible.

A less time-consuming method to lower your rates requires only one form to return rates from several companies at one time. The form is fast, requires much less work on your part, and makes online quotes much more enjoyable and efficient. After sending your information, your coverage is rated and you can choose any or none of the resulting price quotes.

If one or more price quotes are lower than your current rates, it’s easy to complete the application and buy the new coverage. The entire process takes 15 minutes at the most and you’ll know if lower rates are available.

To compare pricing, click here to open in new window and begin entering your coverage information. If you have coverage now, it’s recommended you input identical to your current policy. This helps ensure you will be getting rate quotes based on similar coverages.

Insurance rates are influenced by these factors

Many factors are considered when premium rates are determined. Some factors are common sense such as your driving history, although others are less apparent such as whether you are married or how financially stable you are.Part of the insurance buying process is learning some of the factors that go into determining the level of your policy premiums. When consumers understand what controls the rates you pay, this empowers consumers to make smart changes that may result in cheaper rates.

The following are some of the major factors used by your company to calculate your premiums.

  • Get a ticket, pay higher premiums – Being a careful driver influences premium rates substantially. Even a single driving citation may cause rates to rise substantially. Drivers who don’t get tickets get better rates compared to drivers with tickets. Drivers who have gotten serious violations such as reckless driving or DUI may find that they have to to file a proof of financial responsibility form (SR-22) with their state in order to prevent a license revocation.
  • Deter vehicle theft – Buying a car with advanced anti-theft systems can help lower your premiums. Anti-theft devices such as GM’s OnStar, tamper alarm systems and vehicle immobilizers help track and prevent auto theft and help lower rates.
  • Discounts for married drivers – Being married helps lower the price on your insurance policy. Marriage generally demonstrates drivers are more stable financially and statistics show married drivers get in fewer accidents.
  • Safer cars cost less to insure – Safer cars tend to have better insurance rates. Highly rated vehicles help reduce the chance of injuries in an accident and lower injury rates means lower claim amounts which can mean better rates for you.

Find hidden discounts to get affordable insurance coverage quotes

Some providers don’t necessarily list the complete list of policy discounts very clearly, so the following is a list of a few of the more common and also the lesser-known discounts you could be receiving when you buy auto insurance online. If you don’t get every credit you deserve, you could be paying more than you need to.

  • Employee of Federal Government – Having worked for a branch of the government could cut as much as 10% off for 9-5 insurance with certain companies.
  • Auto/Life Discount – Insurance coverage companies who offer life insurance give lower prices if you buy a life insurance policy as well.
  • E-sign Discounts – A few larger online companies will provide an incentive for signing up digitally online.
  • Braking Control Discount – Cars, trucks, and SUVs with anti-lock braking systems can stop better under adverse conditions and the ABS can save up to 10%.
  • Savings for New Vehicles – Buying insurance coverage coverage on a new vehicle is cheaper compared to insuring an older model.
  • No Accidents – Claim-free drivers have much lower rates as compared to drivers who are more careless.

As a disclaimer on discounts, most of the big mark downs will not be given to the entire policy premium. Some only reduce the price of certain insurance coverages like collision or personal injury protection. So even though it sounds like adding up those discounts means a free policy, it just doesn’t work that way.

To find companies that offer some of these discounts, click here.

Tailor your car insurance coverage to you

When buying the right insurance coverage for your vehicles, there isn’t really a best way to insure your cars. Everyone’s needs are different.

These are some specific questions can help discover whether you would benefit from professional advice.

  • Is pleasure use cheaper than using my 1999 Saab 9-5 to commute?
  • Will I be non-renewed for getting a DUI or other conviction?
  • Do I have coverage for damage caused while driving under the influence?
  • How high should deductibles be on a 1999 Saab 9-5?
  • Why am I required to get a high-risk car insurance policy?
  • Do I really need UM/UIM coverage?
  • Will my vehicle be repaired with OEM or aftermarket parts?
  • Are rental cars covered under my policy?
  • Is my ex-spouse still covered by my policy?

If it’s difficult to answer those questions but you think they might apply to your situation, you may need to chat with a licensed insurance agent. If you don’t have a local agent, fill out this quick form.

Educate yourself about car insurance coverages

Knowing the specifics of car insurance can be of help when determining the right coverages at the best deductibles and correct limits. Policy terminology can be impossible to understand and nobody wants to actually read their policy.

Medical expense insurance

Med pay and PIP coverage pay for short-term medical expenses like hospital visits, dental work, nursing services and pain medications. They can be used to fill the gap from your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover all vehicle occupants as well as if you are hit as a while walking down the street. PIP is only offered in select states and gives slightly broader coverage than med pay

Comprehensive (Other than Collision)

Comprehensive insurance pays for damage caused by mother nature, theft, vandalism and other events. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive can pay for claims such as hitting a deer, rock chips in glass and vandalism. The maximum amount a car insurance company will pay at claim time is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Liability auto insurance

This coverage protects you from damage or injury you incur to other’s property or people. It protects you from claims by other people, and does not provide coverage for damage sustained by your vehicle in an accident.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show liability limits of 25/50/25 which stand for $25,000 in coverage for each person’s injuries, $50,000 for the entire accident, and a limit of $25,000 paid for damaged property. Some companies may use a combined limit which combines the three limits into one amount with no separate limits for injury or property damage.

Liability coverage protects against things such as repair bills for other people’s vehicles, emergency aid, repair costs for stationary objects and medical expenses. The amount of liability coverage you purchase is a personal decision, but buy as large an amount as possible.

Protection from uninsured/underinsured drivers

Your UM/UIM coverage protects you and your vehicle from other motorists when they do not carry enough liability coverage. This coverage pays for injuries to you and your family as well as your vehicle’s damage.

Since a lot of drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Most of the time these coverages are set the same as your liablity limits.

Collision protection

Collision insurance will pay to fix damage to your 9-5 resulting from colliding with an object or car. A deductible applies then the remaining damage will be paid by your insurance company.

Collision insurance covers claims like sustaining damage from a pot hole, crashing into a building, sideswiping another vehicle, rolling your car and damaging your car on a curb. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Drivers also have the option to raise the deductible to save money on collision insurance.

A little work can save a LOT of money

As you restructure your insurance plan, you should never sacrifice coverage to reduce premiums. In too many instances, someone dropped liability coverage limits and learned later they didn’t purchase enough coverage. The ultimate goal is to buy the best coverage you can find at an affordable rate and still be able to protect your assets.

We just showed you some good ideas how you can reduce 1999 Saab 9-5 insurance rates online. The key thing to remember is the more times you quote, the better chance you’ll have of finding inexpensive auto insurance. You may even find the lowest rates are with a company that doesn’t do a lot of advertising.

Insureds switch companies for a variety of reasons including unfair underwriting practices, high rates after DUI convictions, high prices and even delays in paying claims. Whatever your reason, finding the right insurance coverage provider can be easy and end up saving you some money.

More information can be read at these links: