Save on 2009 Saab 9-3 Insurance Rates

Finding low-cost insurance for your Saab 9-3 can be a lot of work, but you can learn these tips to find lower rates.

There are both good and bad ways to find car insurance online and we’ll show you the absolute fastest way to compare rates for a Saab and find the lowest possible price either online or from local insurance agents.

Finding the cheapest coverage is quite easy. If you have a current insurance coverage policy or are looking for a new policy, you will benefit by learning to shop for the lowest rates and possibly find even better coverage. Drivers just need to learn how to shop for insurance coverage online.

Which insurance coverage is cheapest?

Getting a cheap price on 2009 Saab 9-3 insurance can be quick and easy. Just invest a little time comparing rate quotes to find out which insurance company has cheap car insurance quotes. It’s super easy and can be done by using one of the methods below.

  • The easiest and least time consuming way to get quotes for comparison would be an industry-wide quote request form click here to open form in new window. This easy form eliminates the need for separate quotes for each price estimate. In just a few minutes this one form will return price quotes from several companies. It’s the fastest way to compare.
  • A different way to compare prices is to take the time to go to the website of each company to complete their respective quote request forms. For sake of this example, we’ll pretend you want to see prices from Nationwide, Esurance and Progressive. You would be required to spend time going to each site individually and repeatedly enter your information, which is why first method is reommended. For a list of links to insurance companies in your area, click here.
  • If you have time to kill, the last way to compare rates is going to different agent offices. The ability to buy insurance online eliminates this option unless you require the professional advice of a local agency. If you prefer, some companies allow you to compare the best prices online but still have the advice of a local agent.

It doesn’t matter which method you choose, just make sure you use the same deductibles and coverage limits for every quote you compare. If each company quotes different liability limits you will not be able to determine which rate is truly the best.

Car insurance in the media

Consumers can’t get away from ads that claim the best rates by Progressive, Allstate and GEICO. All the companies tend to make the same promise that you’ll save big just by moving your coverage to them.

How does every company charge you less for auto insurance? It’s all in the numbers.

All the different companies give the best rates for the type of driver that is profitable for them. For example, a preferred risk should be over the age of 50, has no tickets, and drives newer vehicles. Someone who matches those parameters is entitled to the best price and therefore will save when they switch companies.

Consumers who are not a match for the requirements may be required to pay higher rates and this can result in the driver buying from a lower-cost company. If you listen to the ad wording, they say “customers that switch” not “everybody who quotes” save that much when switching. That’s why companies can advertise the way they do.

This really illustrates why it’s extremely important to do a rate comparison at every renewal. It’s impossible to know which car insurance company will have the best prices at this point in time.

Find discounts on auto insurance

Auto insurance is easily one of your largest bills, but you might already qualify for some discounts to help bring down the price. Certain discounts will be applied at the time of quoting, but lesser-known reductions have to be manually applied prior to getting the savings. If you do not check that you are getting every discount you qualify for, you could be getting lower rates.

  • Data Collection Discounts – Drivers that enable driving data submission to track when and where they use their vehicle by using a small device installed in their vehicle such as State Farm’s In-Drive might see lower rates if they are good drivers.
  • Save with a New Car – Buying a new car instead of a used car is cheaper because newer vehicles have to meet stringent safety requirements.
  • Drive Safe and Save – Safe drivers may receive a discount up to 45% for 9-3 insurance as compared to drivers with claims.
  • Renewal Discounts – A few companies offer discounts for signing up before your current coverage expires. This discount can save up to 10%.
  • Lower Rates for Military – Being on active duty in the military may qualify for rate reductions.
  • Clubs and Organizations – Affiliation with certain professional organizations may earn a discount when shopping for auto insurance.
  • Payment Discounts – By paying your entire bill at once as opposed to paying monthly you may have a lower total premium amount.
  • Claim-Free Discount – Drivers who stay claim-free pay less as compared to bad drivers.

Just know that many deductions do not apply to the entire policy premium. Most only reduce individual premiums such as comp or med pay. Just because you may think all the discounts add up to a free policy, you aren’t that lucky.

A few of the larger companies and a selection of discounts include:

  • GEICO policyholders can earn discounts including anti-lock brakes, good student, seat belt use, emergency military deployment, and military active duty.
  • MetLife discounts include claim-free, good student, defensive driver, accident-free, good driver, multi-policy
  • State Farm has discounts for accident-free, good driver, multiple autos, driver’s education, Drive Safe & Save, student away at school, and good student.
  • Progressive includes discounts for homeowner, online signing, good student, online quote discount, multi-policy, and continuous coverage.
  • Mercury Insurance offers premium reductions for type of vehicle, ease of repair, low natural disaster claims, annual mileage, multi-policy, good student, and anti-theft.
  • 21st Century offers discounts including good student, theft prevention, automatic seat belts, homeowners, and 55 and older.
  • Allstate offers discounts for resident student, early signing, farm vehicle, defensive driver, and safe driver.

It’s a good idea to ask every company which discounts you qualify for. Savings may not be available in your area. To find insurance companies who offer discounts, click this link.

Tailor your auto insurance coverage to you

When it comes to buying adequate coverage for your personal vehicles, there really is not a “perfect” insurance plan. Your needs are not the same as everyone else’s.

For example, these questions could help you determine whether or not you will benefit from professional help.

  • Are my friends covered when driving my 2009 Saab 9-3?
  • Do I need more liability coverage?
  • Is my business laptop covered if it gets stolen from my vehicle?
  • Do I have coverage when using my vehicle for my home business?
  • Does my 2009 Saab 9-3 qualify for pleasure use?
  • Exactly who is provided coverage by my policy?
  • Am I covered when pulling a rental trailer?
  • Do I get a pro-rated refund if I cancel my policy early?

If you don’t know the answers to these questions but you know they apply to you, you may need to chat with a licensed agent. To find lower rates from a local agent, fill out this quick form. It only takes a few minutes and you can get the answers you need.

Coverages available on your insurance policy

Learning about specific coverages of your insurance policy aids in choosing the right coverages at the best deductibles and correct limits. The terms used in a policy can be ambiguous and reading a policy is terribly boring.

UM/UIM Coverage

Your UM/UIM coverage protects you and your vehicle’s occupants from other motorists when they either have no liability insurance or not enough. Covered losses include injuries to you and your family and also any damage incurred to your Saab 9-3.

Because many people only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Normally these limits are set the same as your liablity limits.

Comprehensive or Other Than Collision

This coverage covers damage from a wide range of events other than collision. A deductible will apply then your comprehensive coverage will pay.

Comprehensive can pay for things such as damage from a tornado or hurricane, falling objects, hail damage, rock chips in glass and a tree branch falling on your vehicle. The highest amount 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 probably time to drop comprehensive insurance.

Collision protection

Collision coverage pays to fix your vehicle from damage from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers things such as sideswiping another vehicle, crashing into a building and driving through your garage door. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are older. It’s also possible to increase the deductible to save money on collision insurance.

Medical costs insurance

Medical payments and Personal Injury Protection insurance provide coverage for short-term medical expenses such as funeral costs, dental work, EMT expenses and hospital visits. They are often used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover you and your occupants in addition to if you are hit as a while walking down the street. PIP coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Liability car insurance

This coverage provides protection from damage that occurs to a person or their property. This insurance protects YOU from legal claims by others, and does not provide coverage for your injuries or vehicle damage.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have liability limits of 50/100/50 which stand for a limit of $50,000 per injured person, a per accident bodily injury limit of $100,000, and a limit of $50,000 paid for damaged property. Alternatively, you may have one limit called combined single limit (CSL) which limits claims to one amount and claims can be made without the split limit restrictions.

Liability coverage pays for claims such as funeral expenses, repair costs for stationary objects, medical services and court costs. How much liability should you purchase? That is your choice, but consider buying as large an amount as possible.

Shop smart and save

When shopping online for car insurance, it’s very important that you do not reduce needed coverages to save money. There are a lot of situations where someone sacrificed physical damage coverage only to regret at claim time that saving that couple of dollars actually costed them tens of thousands. Your strategy should be to purchase a proper amount of coverage at the best price.

People who switch companies do it for many reasons like delays in responding to claim requests, not issuing a premium refund, policy cancellation and even high prices. It doesn’t matter why you want to switch finding a great new company is pretty easy and you might even save some money in the process.

We just covered a lot of ways to get a better price on 2009 Saab 9-3 insurance. The key concept to understand is the more rate comparisons you have, the better chance you’ll have of finding affordable car insurance. Drivers may discover the lowest rates come from some of the smallest insurance companies.

Helpful learning opportunities