View 2008 Saab 9-3 Insurance Quotes

No one in their right mind fancies paying their premiums for insurance, especially when they are aware that their premiums are through the roof.

Vehicle owners have so many insurers to purchase coverage from, and although it’s nice to be able to choose, having more insurance companies makes it harder to find the lowest rates.

How much does insurance cost?

When looking for cheap car insurance quotes, there are a couple ways of comparing rates from lots of insurance companies. By far the easiest way to find competitive 2008 Saab 9-3 insurance rates is to perform an online rate comparison. This can be done by using one of the methods below.

  1. The first (and easiest) way to get quotes for comparison is an all-inclusive rate comparison like this one (opens in new window). This type of form keeps you from doing separate quotation requests for each company you want a rate for. One form submission gets coverage cost estimates from multiple companies.
  2. A more difficult way to analyze rates is to take the time to go to the website for every company you want to comare to complete their respective quote request forms. For examples sake, we’ll assume you want to view quotes from Auto-Owners, State Farm and Allstate. In order to get each rate, you would have to go to every website and repeatedly enter your information, which can get old fast.

    For a handy list of car insurance company links in your area, click here.

  3. The most difficult method to price shop rates is going to local insurance agencies. Quoting online has made agencies unnecessary unless you have a need for the guidance of a local agent. If you prefer, some companies allow you to comparison shop online but have a local agent actually write the policy.

Whichever method you choose, try to use equivalent coverages and limits on every price quote you get. If the quotes have different data then you won’t be able to determine the best price for your Saab 9-3. Having just a slight variation in limits can make a big difference in price. And when price shopping your coverage, obtaining a wide range of quotes helps you find the best rates.

Find hidden discounts on insurance

Companies offering auto insurance don’t list the entire discount list in a way that’s easy to find, so below is a list some of the more common and the more hidden discounts that you can inquire about if you buy car insurance online.

  • Discounts for Safe Drivers – Drivers without accidents could pay up to 40% less on 9-3 coverage than drivers with accident claims.
  • Include Life Insurance and Save – Larger companies have a lower insurance rate if you buy life insurance.
  • Drivers Education – It’s a good idea to have your young drivers complete a driver education course as it can save substantially.
  • Bundle and Save – If you have multiple policies and place coverage with the same company you will save up to 20% off your total premium.
  • Anti-lock Brake Discount – Cars with ABS and/or traction control can stop better under adverse conditions so you can save 10 percent or more.
  • Lower Rates for Military – Having an actively deployed family member could be rewarded with lower insurance rates.
  • Organization Discounts – Belonging to a civic or occupational organization could trigger savings on your next insurance statement.
  • Government Employee Discount – Employees or retirees of the government could cut as much as 10% off on 9-3 coverage depending on your insurance provider.

It’s important to note that some credits don’t apply to all coverage premiums. Some only apply to individual premiums such as comprehensive or collision. So even though they make it sound like you would end up receiving a 100% discount, that’s just not realistic.

A partial list of companies that may include many of the previously listed discounts include:

Before you buy a policy, ask every insurance company what discounts are available to you. Some of the earlier mentioned discounts may not be available in your state. For a list of companies with the best insurance discounts, click here to view.

Tailor your insurance coverage coverage to you

When buying the best insurance coverage coverage, there really is no best way to insure your cars. Coverage needs to be tailored to your specific needs and a cookie cutter policy won’t apply. Here are some questions about coverages that can help discover if your insurance needs will benefit from professional help.

  • Am I getting all the discounts available?
  • Should I rate my 2008 Saab 9-3 as pleasure use or commute?
  • Do I need rental car coverage?
  • Can I drive in Mexico and have coverage?
  • Can I afford low physical damage deductibles?
  • Do I need PIP (personal injury protection) coverage in my state?
  • Do I have any recourse if my insurance company denies a claim?

If it’s difficult to answer those questions but a few of them apply then you might want to talk to a licensed agent. If you want to speak to an agent in your area, simply complete this short form or you can also visit this page to select a carrier

Smart consumers can cut insurance costs

Part of the insurance buying process is learning the different types of things that come into play when calculating the level of your policy premiums. If you have a feel for what influences your rates, this enables you to make decisions that can earn you lower premium levels. Multiple criteria are used in the calculation when you quote your car insurance policy. Some are obvious such as your driving record, although some other factors are less obvious like your continuous coverage or your financial responsibility.

The factors shown below are just a few of the factors that factor into premiums.

  • Teenagers vs. mature drivers – Youthful drivers are proven to be less responsible when behind the wheel so they pay higher insurance rates. Older, more experienced drivers have been proven to be more responsible, are lower risk to insure and receive fewer citations.
  • Rates can change based on your address – Having an address in a small town can save you money when it comes to insurance. Fewer drivers on the road means reduced accidents as well as less vandalism and auto theft. City drivers have much more traffic and more severe claims. Higher commute times means more chances of being involved in an auto accident.
  • Liability protection limits should be high – Your insurance policy’s liability coverage kicks in when a court rules you are at fault for an accident. Your liability coverage provides you with a defense in court which can cost a lot. This coverage is relatively inexpensive when compared to the cost of physical damage coverage, so drivers should carry high limits.
  • Do you really need to file that insurance claims? – If you’re an insured who likes to file claims you can pretty much guarantee either a policy non-renewal or much higher rates. Auto insurance companies award the lowest premiums to insureds who are not frequent claim filers. Insurance coverage is meant to be used in the event of more catestrophic claims.
  • Rates may be lower depending on your job – Careers like doctorsairline pilots and emergency personnel have higher rates than average because of intense work-related stress and lots of time spent away from family. On the flip side, occupations such as farmers, engineers and performers get better rates on 9-3 coverage.
  • Low mileage costs less – The more you drive in a year’s time the more you’ll pay to insure it. Most insurance companies calculate rates determined by how the vehicle is used. Cars used primarily for pleasure use get more affordable rates than those that get driven frequently. It’s a good idea to make sure your insurance coverage properly reflects the correct driver usage, because it can save money. An improperly rated 9-3 may be costing you.
  • Higher comp and collision deductibles save money – Your deductibles represent how much money the insured will be required to pay if a covered claim is submitted. Physical damage protection, otherwise known as comp (or other than collision) and collision, covers damage that occurs to your car. Some coverage claims are colliding with a stationary object, vandalism, and damage from wind. The more of the claim you’re willing to pay, the better rate you will receive on 9-3 coverage.
  • Driving citations drive up prices – How you drive has a big impact on rates. Drivers with clean records receive lower rates than people who have multiple driving citations. Having just one ticket can bump up the cost twenty percent or more. Drivers unfortunate enough to have flagrant tickets like DWI, reckless driving or hit and run convictions are required to maintain a SR-22 with their state DMV in order to continue driving.

The largest companies are not always cheapest

Insurance coverage companies such as State Farm, GEICO and Progressive continually stream television and radio advertisements. They all seem to say the same thing that you can save just by switching your policy. How do they all save you money? You have to listen carefully.

Most companies have underwriting criteria for the type of insured they prefer to insure. For example, a preferred risk may need to be over the age of 35, has no tickets, and has excellent credit. Any person that matches those criteria may get the lowest premium rates and is almost guaranteed to save some money.

Potential insureds who are not a match for this ideal profile will be charged a higher rate and this results in business not being written. If you listen to the ad wording, they say “customers who switch” not “everyone that quotes” save the amount stated. That’s the way insurance companies can confidently claim big savings. This illustrates why it’s extremely important to do a rate comparison at every renewal. It’s impossible to know with any certainty which company will have the best premium rates for your profile.

Specific coverage details

Understanding the coverages of your policy can help you determine the right coverages and proper limits and deductibles. The coverage terms in a policy can be impossible to understand and nobody wants to actually read their policy. Shown next are typical coverages offered by insurance companies.

Uninsured Motorist or Underinsured Motorist insurance – Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when other motorists are uninsured or don’t have enough coverage. It can pay for injuries to you and your family and also any damage incurred to your 2008 Saab 9-3.

Because many people 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.

Auto liability insurance – Liability coverage protects you from damages or injuries you inflict on other’s property or people in an accident. This coverage protects you from legal claims by others, and doesn’t cover your own vehicle damage or injuries.

It consists of three 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 25/50/25 which stand for a limit of $25,000 per injured person, $50,000 for the entire accident, and a limit of $25,000 paid for damaged property.

Liability coverage pays for claims such as medical services, funeral expenses and emergency aid. How much liability coverage do you need? That is a personal decision, but you should buy as large an amount as possible.

Comprehensive coverage (or Other than Collision) – This pays for damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for claims like fire damage, damage from flooding, rock chips in glass, hitting a deer and hitting a bird. The maximum payout you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Collision coverage – Collision coverage will pay to fix damage to your 9-3 resulting from colliding with another car or object. A deductible applies and then insurance will cover the remainder.

Collision can pay for things such as hitting a mailbox, rolling your car, sustaining damage from a pot hole and scraping a guard rail. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. You can also increase the deductible to bring the cost down.

Insurance for medical payments – Medical payments and Personal Injury Protection insurance kick in for short-term medical expenses for things like EMT expenses, pain medications, doctor visits, chiropractic care and funeral costs. They are used to cover expenses not covered by your health insurance program or if you lack health insurance entirely. Medical payments and PIP cover you and your occupants and will also cover any family member struck as a pedestrian. Personal Injury Protection is not an option in every state but it provides additional coverages not offered by medical payments coverage

Never pay more for less

We covered some good ideas how to shop for 2008 Saab 9-3 insurance online. The key thing to remember is the more quotes you get, the higher the chance of saving money. Consumers may even find the lowest auto insurance rates are with a smaller regional carrier. They can often provide lower premium rates in certain areas than their larger competitors like State Farm or Progressive.

When trying to cut insurance costs, do not skimp on critical coverages to save a buck or two. Too many times, an insured cut collision coverage and discovered at claim time that it was a big error on their part. Your goal should be to get the best coverage possible at the best possible price, but do not sacrifice coverage to save money.

Affordable 2008 Saab 9-3 insurance is attainable online and also from your neighborhood agents, and you should compare rates from both to get a complete price analysis. Some insurance companies do not offer rates over the internet and most of the time these regional carriers work with independent agencies.

Additional detailed information can be read in the articles below: