How Much Does 2007 Saab 9-3 Car Insurance Cost?

Do you think you bought an expensive auto insurance policy? Don’t sweat it because there are lots of people in the same boat.

You have so many insurers to choose from, and although it’s nice to have a choice, more choices can make it harder to locate the cheapest rates.

You should make it a habit to check auto insurance prices at least once a year since prices trend upward over time. Just because you had the lowest quotes on 9-3 coverage a couple years back you can probably find a lower rate today. There are a lot of ways to save on auto insurance online but you can learn some great ideas on how to put money back in your pocket.

Locating the lowest cost protection can be fairly easy. Essentially every vehicle owner who buys insurance coverage most likely will be able to find better rates. But drivers can benefit from knowing the way insurance companies price insurance differently and use this information to your advantage.

Saab 9-3 insurance costs can be reduced

Many things are considered when you quote your car insurance policy. A few of the factors are predictable such as your driving history, but other factors are not as apparent like where you live or your vehicle rating.

The following are some of the most rate-impacting factors utilized by car insurance companies to help set prices.

  • Do you know you’re credit rating? – A driver’s credit score can be a huge factor in determining what you pay for insurance. If your credit score can use some improvement, you could potentially save money when insuring your 2007 Saab 9-3 if you improve your credit rating. Drivers who have good credit tend to be better drivers and file fewer claims than those with worse credit.
  • Rural vs Urban Areas – Being located in small towns and rural areas is a good thing when talking about insurance. People who live in big cities tend to have much more traffic and longer commute times. Less people translates into fewer accidents and a lower car theft rate.
  • Does your job raise your rates? – Occupations like real estate brokers, social workers and dentists tend to pay higher premium rates because of intense work-related stress and extremely grueling work hours. Conversely, jobs like actors, athletes and the unemployed generally pay rates lower than average on 9-3 coverage.
  • Is your vehicle theft-ready? – Owning a car with anti-theft technology or alarm system can help lower your premiums. Theft prevention devices like OnStar found on GM vehicles, advanced tracking like LoJack, and vehicle immobilization systems all help stop your car from being stolen.
  • Always keep your coverage in place – Driving any period of time without insurance is illegal and insurance companies will penalize you for letting your insurance lapse for non-payment. And not only will insurance be more expensive, not being able to provide proof of insurance will get you a revoked license or a big fine. You may have to file a SR-22 with your state DMV.
  • Safer occupants lowers premiums – Cars with high safety ratings can get you lower premiums. Highly rated vehicles protect occupants better and reduced instances of injuries translates directly to fewer claims passed on to you as lower rates.
  • Battle of the sexes – Statistics show women tend to be less risk to insure than men. Now that doesn’t mean women are BETTER drivers than men. They both have at-fault accidents in similar percentages, but males have costlier accidents. They also receive more major tickets such as reckless driving.
  • Your age impacts your costs – More experienced drivers are shown to be more cautious, file fewer claims .Young drivers have a tendency to be careless and easily distracted when behind the wheel therefore insurance rates are much higher.

More affordable rates by taking advantage of discounts

Insurance can be prohibitively expensive, but discounts can save money and there are some available that could help you make your next renewal payment. Some discounts will apply when you complete an application, but a few need to be inquired about before being credited.

  • Discount for New Cars – Buying a new car instead of a used car can get you a discount because newer models have to meet stringent safety requirements.
  • Own a Home and Save – Owning a house can earn you a little savings since owning and maintaining a home demonstrates responsibility.
  • Good Driver Discount – Insureds who avoid accidents can get discounts for up to 45% lower rates on 9-3 coverage than less cautious drivers.
  • Seat Belts Save more than Lives – Drivers who always wear seat belts and also require passengers to buckle their seat belts can save up to 15% off the medical payments premium.
  • Driver Education Discount – Make teen driver coverage more affordable by requiring them to enroll in driver’s education as it will make them better drivers and lower rates.
  • Onboard Data Collection – Insureds who allow driving data collection to scrutinize where and when they drive by installing a telematics device like In-Drive from State Farm and Progressive’s Snapshot could see a rate decrease if they show good driving skills.

While discounts sound great, it’s important to understand that most discounts do not apply to all coverage premiums. Most only reduce individual premiums such as medical payments or collision. So even though you would think all those discounts means the company will pay you, you aren’t that lucky.

To see a list of insurers who offer cheap car insurance quotes, follow this link.

Do insurance companies bend the truth?

Popular insurance providers such as 21st Century, Allstate and State Farm constantly bombard you with ads on television and other media. They all advertise the message that people will save if you get a free insurance quote and switch your policy. Is it even possible that every company can have lower policy pricing? Just pay attention to how they say it.

Different companies have specific characteristics for the type of customer that will most likely be profitable. An example of a desirable risk may be a married male, has few claims, and drives a vehicle with a low ISO rating. A propective insured that hits that “sweet spot” will qualify for the lowest premium rates as well as cut their rates substantially.

Consumers who do not meet those standards may be forced to pay a higher rate and this can result in business not being written. The wording the ads use say “drivers that switch” not “everybody who quotes” can save as much as they claim. That’s the way companies can truthfully make those statements.

This really emphasizes why you should compare rate quotes every year. Because you never know which insurance company will have the best car insurance rates.

How much auto insurance do I need?

When it comes to buying the best auto insurance coverage for your personal vehicles, there is no one size fits all plan. Every insured’s situation is different so your insurance should reflect that For example, these questions may help you determine if your insurance needs might need an agent’s assistance.

  • Are rental cars covered under my policy?
  • What is the minimum liability in my state?
  • Do I have newly-aquired coverage?
  • Where can I get insurance after a DUI in my state?
  • Do I need medical payments coverage since I have good health insurance?
  • Do I have coverage when pulling a U-Haul trailer?
  • Can I make deliveries for my home business?
  • When would I need rental car insurance?
  • Does insurance cover damages from a DUI accident?

If you can’t answer these questions, you may need to chat with an agent. If you want to speak to an agent in your area, complete this form or click here for a list of auto insurance companies in your area.

Insurance coverages 101

Knowing the specifics of your policy can help you determine which coverages you need and the correct deductibles and limits. The coverage terms in a policy can be difficult to understand and coverage can change by endorsement. Shown next are typical coverage types available from insurance companies.

Liability

This provides protection from damage that occurs to people or other property in an accident. This insurance protects YOU against other people’s claims, and doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see policy limits of 100/300/100 which means $100,000 bodily injury coverage, $300,000 for the entire accident, and property damage coverage for $100,000. Another option is one limit called combined single limit (CSL) that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability coverage pays for claims such as legal defense fees, bail bonds, funeral expenses, pain and suffering and repair costs for stationary objects. The amount of liability coverage you purchase is up to you, but you should buy as much as you can afford.

Med pay and Personal Injury Protection (PIP)

Med pay and PIP coverage kick in for expenses for things like ambulance fees, X-ray expenses and dental work. The coverages can be utilized in addition to your health insurance policy or if you lack health insurance entirely. They cover not only the driver but also the vehicle occupants as well as any family member struck as a pedestrian. PIP is only offered in select states and gives slightly broader coverage than med pay

Comprehensive insurance

Comprehensive insurance coverage pays for damage from a wide range of events other than collision. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims like hitting a deer, fire damage and a tree branch falling on your vehicle. The maximum amount you’ll receive from a claim is the market value of your vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Auto collision coverage

This covers damage to your 9-3 resulting from colliding 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 can pay for things like sustaining damage from a pot hole, crashing into a ditch, damaging your car on a curb, scraping a guard rail and hitting a mailbox. 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 get cheaper collision coverage.

Uninsured/Underinsured Motorist (UM/UIM)

Your UM/UIM coverage protects you and your vehicle’s occupants when the “other guys” do not carry enough liability coverage. Covered claims include hospital bills for your injuries and also any damage incurred to your 2007 Saab 9-3.

Since many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is important protection for you and your family. Normally these limits are similar to your liability insurance amounts.

Coverage on a shoestring budget

Lower-priced auto insurance can be bought online and also from your neighborhood agents, so you should be comparing quotes from both so you have a total pricing picture. Some insurance companies don’t offer rate quotes online and these regional carriers work with local independent agents.

As you go through the steps to switch your coverage, never skimp on coverage in order to save money. There are too many instances where someone dropped physical damage coverage and learned later that it was a big mistake. Your objective should be to purchase plenty of coverage at a price you can afford while not skimping on critical coverages.

Throughout this article, we presented some good ideas how you can save on 2007 Saab 9-3 insurance. The most important thing to understand is the more providers you compare, the more likely it is that you will get a better rate. You may even find the lowest prices come from some of the lesser-known companies. Regional companies may often insure only within specific states and give getter rates than the large multi-state companies such as Progressive or GEICO.

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