Compare 2000 Saab 9-3 Car Insurance Quotes

Want the cheapest car insurance rates for your Saab 9-3? Are you burned out from paying out the nose to pay high car insurance rates every month? Your situation is no different than many other consumers. With so many options when it comes to car insurance, it can be diffult for drivers to choose the right insurer.

Buying affordable insurance coverage is simple if you know the tricks. If you have a policy now or are shopping for new coverage, you can follow these tips to find better prices while maintaining coverages. Drivers only need to know the proper methods to compare price quotes over the internet.

The best way we recommend to compare policy rates takes advantage of the fact most of the bigger providers provide online access to provide you with a free rate quote. To begin a comparison, all you need to do is give them some information such as if a SR-22 is required, how many miles driven, if it has an anti-theft system, and the ages of drivers. The data is then sent to all major companies and they return rate quotes instantly.

To find lower rates now, click here and enter your coverage details.

Discounts can really help to save

Buying auto insurance is not cheap, but you can get discounts that you may not even be aware of. Some of these disounts will be visible when you purchase, but some must be asked for prior to getting the savings.

Online Discount – Some of the larger companies provide a small discount for signing up digitally online.
Claim Free – Drivers with accident-free driving histories pay less compared to drivers with a long claim history.
Theft Deterent Discount – Anti-theft and alarm system equipped vehicles help deter theft and will save you 10% or more.
No Charge for an Accident – This one isn’t a discount, but companies like State Farm, Progressive and GEICO will allow you to have one accident before hitting you with a surcharge if your claims history is clear for a specific time period.
Senior Citizen Rates – Older drivers may qualify for a small decrease in premiums for 9-3 coverage.

Discounts save money, but please remember that most discount credits are not given the the whole policy. Some only reduce specific coverage prices like comp or med pay. Just because it seems like all those discounts means the company will pay you, nobody gets a free ride. Any qualifying discounts will bring down your policy cost.

Some of the larger companies that possibly offer most of the discounts above include:

Before buying, ask each company which discounts you may be entitled to. Savings might not be offered in your area. To see a list of insurers with the best discounts, follow this link.

Will just any policy work for me?

When buying coverage, there really is no perfect coverage plan. Everyone’s situation is a little different so your insurance needs to address that. For instance, these questions can help discover if your situation might need an agent’s assistance.

When can my company non-renew my policy?
What happens if I owe more than my 2000 Saab 9-3 is worth?
What is medical payments coverage?
Is rental equipment covered for theft or damage?
Does my insurance cover damage caused when ticketed for reckless driving?
Am I covered by my spouse’s policy after a separation?
When should my teen driver be added to my policy?
Do I need higher collision deductibles?

If it’s difficult to answer those questions but you know they apply to you, you might consider talking to a licensed agent. To find an agent in your area, take a second and complete this form or you can also visit this page to select a carrier It only takes a few minutes and you can get the answers you need.

Insurance coverages 101

Understanding the coverages of your policy can be of help when determining the best coverages and the correct deductibles and limits. The coverage terms in a policy can be ambiguous and nobody wants to actually read their policy. Listed below are typical coverage types found on the average insurance policy.

Insurance for medical payments

Personal Injury Protection (PIP) and medical payments coverage provide coverage for expenses for dental work, nursing services, EMT expenses and hospital visits. They are often used to fill the gap from your health insurance policy or if you do not have health coverage. Coverage applies to not only the driver but also the vehicle occupants and will also cover being hit by a car walking across the street. PIP is not universally available but can be used in place of medical payments coverage

Liability coverages

Liability insurance will cover injuries or damage you cause to other’s property or people. This insurance protects YOU against claims from other people. It does not cover damage sustained by your vehicle in an accident.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see limits of 100/300/100 that translate to $100,000 bodily injury coverage, a total of $300,000 of bodily injury coverage per accident, and a total limit of $100,000 for damage to vehicles and property. Some companies may use a combined limit which provides one coverage limit and claims can be made without the split limit restrictions.

Liability coverage pays for things such as attorney fees, pain and suffering and medical services. How much coverage you buy is your choice, but consider buying as much as you can afford.

Collision coverage

This covers damage to your 9-3 resulting from a collision with an object or car. A deductible applies and then insurance will cover the remainder.

Collision coverage protects against claims such as hitting a parking meter, crashing into a building, hitting a mailbox, sustaining damage from a pot hole and sideswiping another vehicle. Collision is rather expensive coverage, so consider removing coverage from lower value vehicles. Another option is to bump up the deductible to get cheaper collision coverage.

Uninsured Motorist or Underinsured Motorist insurance

This protects you and your vehicle’s occupants when the “other guys” either are underinsured or have no liability coverage at all. This coverage pays for medical payments for you and your occupants as well as your vehicle’s damage.

Since a lot of drivers carry very low liability coverage limits, their limits can quickly be used up. This is the reason having UM/UIM coverage is important protection for you and your family. Usually these limits are similar to your liability insurance amounts.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things such as a tree branch falling on your vehicle, damage from a tornado or hurricane, vandalism and hitting a deer. The maximum payout you can receive from a comprehensive claim is the actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.