2003 Saab 9-3 Insurance Rates – 10 Tips for Best Quotes

Looking for better insurance rates for your Saab 9-3? Finding better insurance prices for your Saab 9-3 could be difficult, but you can learn the following methods to save time.

There are both good and bad ways to shop for insurance and we’ll show you the proper way to get price quotes on a Saab and find the best price possible either online or from local insurance agents.

Compare free car insurance rate quotes

Getting cheap 2003 Saab 9-3 car insurance pricing is a fairly straight forward process. All that’s required is to invest a little time comparing price quotes to discover which company has affordable car insurance quotes. Comparing prices online can be done in just a few minutes using one of these methods.

  • The fastest and easiest way to get the best comparison quotes is a comparison rater form (click to open form in new window). This quick form keeps you from doing multiple quote forms to each individual car insurance company. One quote request will get you rate comparisons from many national carriers. It’s the fastest way to compare.
  • A more difficult way to compare rate quotes consists of visiting each company’s website and fill out a new quote form. For instance, we’ll assume you want to compare rates from USAA, Farmers and State Farm. To get rate quotes you would need to go to each individual site and punch in your information repeatedly, which can get old fast. For a handy list of car insurance company links in your area, click here.
  • The least efficient method to comparison shop rate quotes is to drive around to insurance agencies in your area. Comparing online rate quotes reduces the need to sit down with an agent unless you prefer the professional abilities of an agent trained in personal lines coverage. It is possible with some companies price shop your coverage online but still have the advice of a local agent.

You can choose any of those ways to find more affodable coverage, but be sure you’re using nearly identical coverages and limits on every quote. If you use different data it’s not possible to decipher which rate is best.

Truth in car insurance advertising

Consumers can’t avoid all the ads for car insurance savings by companies like State Farm, GEICO and Progressive. All the ads make the point that you can save just by moving your policy.

That’s great but how can every company charge less that you’re paying now? It’s all in the words they use.

Most companies require specific criteria for the type of customer that will generate a profit. One example of this type of risk profile might be described as over the age of 35, has no tickets, and has a high credit rating. Anyone that meets those criteria will get low premium rates and will also save when they switch companies.

Consumers who fall outside the “perfect” profile will be quoted a higher premium which leads to the customer not buying. The wording the ads use say “drivers who switch” but not “all drivers who get quotes” save that kind of money. That’s why companies can truthfully make claims that they all have the best premium rates.

Each company has different criteria, so drivers must quote coverage with many companies. You cannot predict with any certainty which company will be your best fit.

Ten discounts for cheap insurance coverage rates

Insurance can cost an arm and a leg, but you may qualify for discounts that can help lower your rates. Some trigger automatically at the time you complete a quote, but occassionally some discounts must be specifically requested before they will apply. If you are not receiving all the discounts you deserve, you are throwing money away.

  • Waiver for an Accident – but certain companies allow you one accident without the usual rate increase with the catch being you have to be claim-free prior to the accident.
  • New Vehicle Savings – Buying coverage on a new vehicle may earn a small discount because newer models keep occupants safer.
  • Switch and Save Discount – A few insurance companies allow discounts for buying a policy prior to your current policy expiring. It can save you around 10%.
  • Accident-Free Discounts – Good drivers with no accidents are rewarded with significantly better rates on car insurance quote as opposed to bad drivers.
  • Student Driver Training – Require your teen driver to take driver’s ed class in school or through a local driver safety program.
  • Smart Student Discounts – Getting good grades may save as much as 25% on a car insurance quote. You can use this discount normally up to age 25.
  • Homeowners Pay Less – Owning a house can save a few bucks because maintaining a house demonstrates responsibility.
  • Drive Less and Save – Maintaining low annual mileage may enable drivers to earn discounted prices on garaged vehicles.
  • Employee of Federal Government – Active or retired federal employment can save as much as 8% on 9-3 insurance depending on your insurance coverage provider.
  • Defensive Driver – Passing a driver safety class could earn you a small percentage discount depending on where you live.

It’s important to understand that some credits don’t apply to the entire cost. Most only apply to individual premiums such as physical damage coverage or medical payments. Even though it may seem like all those discounts means the company will pay you, insurance coverage companies aren’t that generous. Any amount of discount will lower your policy premium.

Auto insurance companies that have these discounts include:

When comparing rates, check with each company or agent which credits you are entitled to. All car insurance discounts may not be available in your area. If you would like to choose from a list of companies who offer cheap insurance coverage quotes, follow this link.

Tailor your insurance coverage coverage to you

When it comes to buying the best insurance coverage coverage for your vehicles, there really is no best way to insure your cars. Every insured’s situation is different.

These are some specific questions might point out if your situation might need professional guidance.

  • Is my cargo covered for damage or theft?
  • When should I remove comp and collision on my 2003 Saab 9-3?
  • Do I have coverage if my license is suspended?
  • Am I covered if I break a side mirror?
  • What is the ISO rating for a 2003 Saab 9-3?
  • When would I need additional glass coverage?
  • Is rental equipment covered for theft or damage?
  • Does car insurance cover theft of personal property?

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 a licensed agent. To find lower rates from a local agent, simply complete this short form. It’s fast, doesn’t cost anything and may give you better protection.

Detailed coverages of your insurance policy

Having a good grasp of your insurance policy aids in choosing the best coverages for your vehicles. Insurance terms can be ambiguous and even agents have difficulty translating policy wording.

Collision coverage

This coverage will pay to fix damage to your 9-3 resulting from colliding with another car or object. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against things such as colliding with another moving vehicle, driving through your garage door, colliding with a tree and sideswiping another vehicle. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are 8 years or older. You can also raise the deductible to save money on collision insurance.

Uninsured and underinsured coverage

This coverage protects you and your vehicle when the “other guys” do not carry enough liability coverage. It can pay for injuries to you and your family as well as your vehicle’s damage.

Since a lot of drivers only carry the minimum required liability limits, their limits can quickly be used up. This is the reason having UM/UIM coverage is very important. Frequently the UM/UIM limits are set the same as your liablity limits.

Coverage for medical payments

Coverage for medical payments and/or PIP provide coverage for immediate expenses like pain medications, chiropractic care, EMT expenses, nursing services and funeral costs. They can be used to cover expenses not covered by your health insurance program or if there is no health insurance coverage. Coverage applies to both the driver and occupants and will also cover if you are hit as a while walking down the street. Personal injury protection coverage is not universally available but can be used in place of medical payments coverage

Auto liability insurance

Liability coverage provides protection from damage or injury you incur to other people or property. Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have limits of 50/100/50 that means you have $50,000 bodily injury coverage, a limit of $100,000 in injury protection per accident, and a total limit of $50,000 for damage to vehicles and property. Alternatively, you may have one limit called combined single limit (CSL) which combines the three limits into one amount with no separate limits for injury or property damage.

Liability coverage pays for claims such as medical services, emergency aid and pain and suffering. The amount of liability coverage you purchase is a personal decision, but consider buying as large an amount as possible.

Comprehensive coverages

Comprehensive insurance coverage pays to fix your vehicle from damage from a wide range of events other than collision. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims like hitting a bird, falling objects and hitting a deer. The maximum payout you’ll receive from a claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Save your hard earned cash

Drivers change insurance companies for many reasons like high prices, extreme rates for teen drivers, questionable increases in premium or even delays in paying claims. Regardless of your reason, finding a great new company is less work than it seems.

We just covered a lot of ways to reduce 2003 Saab 9-3 insurance rates online. It’s most important to understand that the more providers you compare, the better your comparison will be. You may even find the best price on insurance is with a lesser-known regional company.

When you buy car insurance online, make sure you don’t buy poor coverage just to save money. There are a lot of situations where an accident victim reduced comprehensive coverage or liability limits only to regret that they should have had better coverage. Your strategy should be to find the BEST coverage for the lowest cost, but do not sacrifice coverage to save money.

More information can be read on the following sites: