Lower Your 2002 Saab 9-3 Insurance Rates

Did budget coverage turn out to be an underperforming, overpriced insurance policy? You’re in good company because there are lots of people in the same boat.

You have multiple insurance companies to buy insurance from, and although it’s nice to have a selection, having more insurance companies makes it harder to compare company pricing.

Affordable auto insurance

Performing a rate comparison can be a lot of work if you don’t utilize the most efficient way to do it. You could spend your day discussing policy coverages with insurance companies in your area, or you could use online quotes to get prices fast.

The majority of car insurance companies are enrolled in a marketplace that enables customers to submit their information once, and every company returns a competitive quote determined by their information. This prevents consumers from doing quote forms for every auto insurance company.

To find out how much you’re overpaying now click here to open in new window.

The one disadvantage to using this type of system is you cannot specify which providers you want to price. If you would rather choose from a list of companies to compare prices, we put together a list of low cost auto insurance companies in your area. Click here to view list.

Which method you use is up to you, but compare equivalent coverages and limits for every company. If the quotes have different data you will not be able to make a fair rate comparison. Slightly different coverages may cause a big price difference. Keep in mind that making a lot of price comparisons helps improve the odds of finding the best offered rates. Not every company provides online price quotes, so it’s necessary to compare price quotes from them, too.

Cheaper rates with these auto insurance discounts

Auto insurance is neither fun to buy or cheap, but companies offer discounts that many people don’t even know exist. Many of these discounts will be applied automatically at the time you complete a quote, but some discounts are required to be manually applied before you get the savings.

  • Paper-free Discount – A handful of auto insurance companies will provide an incentive shop auto insurance digitally online.
  • Lower Rates for Military – Being deployed in the military could be rewarded with lower premium rates.
  • Bundled Policy Discount – When you have multiple policies with one insurance company you could earn a discount of as much as 10 to 15 percent.
  • Telematics Devices – Drivers that enable their insurance company to study driving habits remotely like Drivewise from Allstate or In-Drive from State Farm could possibly reduce rates if they exhibit good driving behavior.
  • Claim Free – Claim-free drivers have much lower rates when compared to accident-prone drivers.

Discounts reduce rates, but you should keep in mind that many deductions do not apply to the overall cost of the policy. Most only reduce the price of certain insurance coverages like liability, collision or medical payments. So even though they make it sound like all the discounts add up to a free policy, it doesn’t quite work that way.

If you would like to view providers that offer many of these discounts, click here.

Why you might pay increased rates

Many things are part of the equation when you get your auto insurance bill. A few of the factors are predictable like a motor vehicle report, but some are more obscure like your continuous coverage and annual miles driven.

  • Defend yourself with liability protection – The liability section of your policy kicks in if ever you are determined to be liable for personal injury or accident damage. Your policy’s liability insurance provides legal defense which can cost thousands of dollars. Liability insurance is quite affordable compared to insuring for physical damage coverage, so buy as much as you can afford.
  • High stress job may mean higher rates – Occupational choices like fire fighters, architects and financial analysts tend to have the highest rates because of intense work-related stress and long work days. On the other hand, occupations such as scientists, students and the unemployed pay the least for 9-3 coverage.
  • Cheaper rates for prior coverage – Not having insurance is illegal and as a result your rates will increase for letting your coverage have a gap. And not only will your rates increase, getting caught without coverage can result in a license revocation or jail time.
  • Low mileage costs less – The more you drive every year the more you will pay for insurance. A lot of insurance companies apply a rate based upon how much you drive. Vehicles not used for work or commuting can get a lower rate than cars that get driven a lot. It’s always a good idea to double check that your insurance policy reflects the correct usage. Improper usage on your 9-3 can cost quite a bit.
  • Location can influence price – Living in a small town is a positive aspect when buying insurance. Residents of big cities regularly have much more traffic and much longer commute distances. Fewer drivers on the road means less chance of accidents in addition to lower liability claims

Auto insurance can get complicated

When buying the best auto insurance coverage for your vehicles, there really is not a best way to insure your cars. Everyone’s needs are different so this has to be addressed. These are some specific questions might point out whether your personal situation will benefit from professional help.

  • Do I have newly-aquired coverage?
  • Do I need an umbrella policy?
  • Can I get a multi-policy discount?
  • What is the rate difference between pleasure use and commuting?
  • Does my policy cover my teen driver if they drive my company car?
  • Will filing a claim cost me more?

If it’s difficult to answer those questions but one or more may apply to you, you might consider talking to a licensed insurance agent. If you want to speak to an agent in your area, take a second and complete this form or you can go here for a list of companies in your area.

Coverages available on your auto insurance policy

Understanding the coverages of your policy can help you determine which coverages you need and proper limits and deductibles. Policy terminology can be ambiguous and even agents have difficulty translating policy wording. Below you’ll find the normal coverages available from auto insurance companies.

Uninsured and underinsured coverage

Your UM/UIM coverage protects you and your vehicle from other motorists when they either have no liability insurance or not enough. It can pay for injuries to you and your family and damage to your 2002 Saab 9-3.

Because many people carry very low liability coverage limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is a good idea. Usually these coverages are identical to your policy’s liability coverage.

Collision coverage protection

Collision insurance covers damage to your 9-3 from colliding with another vehicle or an object, but not an animal. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage protects against things such as hitting a parking meter, scraping a guard rail and colliding with a tree. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are 8 years or older. Drivers also have the option to increase the deductible in order to get cheaper collision rates.

Comprehensive coverages

This pays to fix your vehicle from damage that is not covered by collision coverage. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive can pay for things like vandalism, hitting a bird and damage from getting keyed. The maximum 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.

Liability car insurance

Liability coverage provides protection from injuries or damage you cause to other people or property. It protects YOU against claims from other people, and does not provide coverage for damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see limits of 100/300/100 that means you have $100,000 in coverage for each person’s injuries, a total of $300,000 of bodily injury coverage per accident, and a total limit of $100,000 for damage to vehicles and property. Another option is one number which is a combined single limit which combines the three limits into one amount without having the split limit caps.

Liability coverage pays for things such as funeral expenses, repair costs for stationary objects, medical expenses, medical services and legal defense fees. How much liability should you purchase? That is your choice, but you should buy as large an amount as possible.

Coverage for medical payments

Med pay and PIP coverage reimburse you for immediate expenses for things like EMT expenses, doctor visits, hospital visits and funeral costs. They are used in conjunction with a health insurance policy or if you do not have health coverage. They cover you and your occupants as well as getting struck while a pedestrian. Personal injury protection coverage is only offered in select states and gives slightly broader coverage than med pay

In conclusion

Discount 2002 Saab 9-3 insurance can be sourced from both online companies and from local agencies, so you need to shop auto insurance with both to have the best selection. Some insurance companies do not offer rate quotes online and many times these small insurance companies provide coverage only through local independent agencies.

We covered a lot of tips how to get a better price on 2002 Saab 9-3 insurance. The key thing to remember is the more you quote auto insurance, the better likelihood of getting low cost auto insurance. You may be surprised to find that the lowest prices are with some of the smallest insurance companies. Regional companies can often provide lower rates in certain areas than their larger competitors like Allstate, GEICO and Progressive.

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