2004 Saab 9-3 Insurance Cost

If shopping for insurance quotes online is new to you, chances are good that you are bewildered by the vast number of insurance providers all offering big savings.

If you are paying for car insurance now, you should be able to lower your premiums substantially using this information. The purpose of this article is to teach you the best way to quote coverages and some tricks to saving. But car owners should learn the methods companies use to price insurance differently and take advantage of how the system works.

Verify you’re applying every discount

Properly insuring your vehicles can get expensive, but you may find discounts to cut the cost considerably. Certain discounts will be triggered automatically when you complete an application, but some must be inquired about before you get the savings.

  • Home Ownership Discount – Owning a house can help you save on insurance because of the fact that having a home requires personal responsibility.
  • Senior Citizens – If you qualify as a senior citizen, you may be able to get lower premium rates on 9-3 coverage.
  • Defensive Driver – Taking part in a course teaching safe driver skills could cut 5% off your bill depending on where you live.
  • Waiver for an Accident – Not necessarily a discount, but certain companies will allow you to have one accident before they charge you more for coverage if your claims history is clear prior to being involved in the accident.
  • Discount for Low Mileage – Keeping the miles down on your Saab could qualify for substantially lower insurancerates.
  • Government Employee Discount – Simply working for the federal government can earn a discount up to 10% on 9-3 coverage with select insurance companies.

You can save money using discounts, but most discounts do not apply the the whole policy. Most only apply to specific coverage prices like liability, collision or medical payments. So despite the fact that it appears all those discounts means the company will pay you, companies don’t profit that way.

If you would like to view companies that provide some of the discounts listed above, click here to view.

When should I discuss my situation with an agent?

When it comes to choosing adequate coverage, there isn’t really a perfect coverage plan. Coverage needs to be tailored to your specific needs.

Here are some questions about coverages that can aid in determining if you might need an agent’s assistance.

  • Will my vehicle be repaired with OEM or aftermarket parts?
  • What discounts do I qualify for?
  • Can I rent a car in Mexico?
  • Is borrowed equipment or tools covered if stolen or damaged?
  • Can I drive in Mexico and have coverage?
  • Can I pay claims out-of-pocket if I buy high deductibles?
  • Is there coverage for injuries to my pets?
  • Where can I get insurance after a DUI in my state?
  • Does my personal policy cover me when driving out-of-state?

If you don’t know the answers to these questions, then you may want to think about talking to a licensed agent. To find lower rates from a local agent, complete this form.

The ad said I’d save $422 a year!

Respected companies like 21st Century, Allstate and State Farm seem to constantly run television, radio, and online ads. All the companies advertise the message about saving some big amount after switching your insurance policy to them. Is it even possible that every company can save you money? You have to listen carefully.

Different companies quote their best rates for the driver that makes them money. One example of a preferred risk may be a married female, has a clean driving record, and the vehicle is rated for pleasure use. A customer who fits those characteristics will get very good car insurance rates and will probably cut their rates if they switch.

People who fall outside the “perfect” profile may be forced to pay a more expensive rate and the customer buying from a different company. If you listen to the ad wording, they say “drivers who switch” not “everybody who quotes” save that much money. That’s why companies can make claims that they all have the best rates. Because every company is different, you need to get insurance quotes from several different companies. Because you never know the company that will fit your personal profile best.

Coverages available on your policy

Knowing the specifics of a insurance policy helps when choosing the right coverages at the best deductibles and correct limits. Insurance terms can be difficult to understand and nobody wants to actually read their policy.

Medical expense coverage

Medical payments and Personal Injury Protection insurance provide coverage for bills such as funeral costs, hospital visits, X-ray expenses and EMT expenses. They are utilized in addition to your health insurance plan or if you lack health insurance entirely. Medical payments and PIP cover both the driver and occupants in addition to any family member struck as a pedestrian. Personal Injury Protection is not universally available but can be used in place of medical payments coverage

Uninsured or underinsured coverage

This protects you and your vehicle’s occupants when the “other guys” do not carry enough liability coverage. It can pay for injuries to you and your family as well as damage to your Saab 9-3.

Due to the fact that many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. So UM/UIM coverage is important protection for you and your family.

Comprehensive protection

This coverage covers damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things such as falling objects, vandalism, rock chips in glass and hitting a deer. The highest amount a insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Auto liability insurance

This coverage protects you from damage that occurs to a person or their property by causing an accident. It protects you against claims from other people, and does not provide coverage for your injuries or vehicle damage.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see liability limits of 50/100/50 which means a $50,000 limit per person for injuries, a per accident bodily injury limit of $100,000, and a limit of $50,000 paid for damaged property.

Liability insurance covers claims such as court costs, medical expenses and bail bonds. How much liability coverage do you need? That is your choice, but you should buy as large an amount as possible.

Collision protection

This coverage pays for damage to your 9-3 caused by collision with a stationary object or other vehicle. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against things like crashing into a ditch, scraping a guard rail and sustaining damage from a pot hole. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. You can also choose a higher deductible to get cheaper collision coverage.

What is YOUR best insurance company?

When shopping online for car insurance, do not buy less coverage just to save a little money. In many cases, an accident victim reduced comprehensive coverage or liability limits and found out when filing a claim that saving that couple of dollars actually costed them tens of thousands. Your strategy should be to buy enough coverage at the best price, but do not sacrifice coverage to save money.

More affordable car insurance is attainable from both online companies and from local agencies, and you should be comparing both in order to have the best chance of saving money. Some car insurance companies may not offer rate quotes online and many times these smaller providers prefer to sell through independent agencies.

You just learned a lot of ways to compare 2004 Saab 9-3 insurance prices online. The key thing to remember is the more companies you get rates for, the more likely it is that you will get a better rate. Consumers could even find that the best prices are with a company that doesn’t do a lot of advertising.

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