2009 Saab 9-5 Insurance Rates – 7 Ways to Save

Car owners not familiar with comparing insurance prices on the internet may discover purchasing inexpensive insurance is nearly impossible.

The quickest way to compare policy rates takes advantage of the fact all the major auto insurance companies have advanced systems to provide you with a free rate quote. All you need to do is provide a little information such as your education level, the ages of drivers, your credit rating estimate, and the year, make and model of vehicles. That information is submitted instantly to many of the top insurers and you should receive rate quotes almost instantly.

Seven discounts to earn lower-cost auto insurance rates

Companies that sell car insurance do not list every discount in an easy-to-find place, so the following is a list of a few of the more well known and also the more inconspicuous discounts that you can inquire about if you buy insurance online.

  • ABS Brakes – Cars and trucks with ABS and/or traction control can stop better under adverse conditions and qualify for as much as a 10% discount.
  • Senior Discount – Mature drivers may be able to get lower premium rates for 9-5 insurance.
  • Distant Student – Kids who live away from home to go to college and don’t have a car may qualify for this discount.
  • Theft Deterent Discount – Vehicles with anti-theft systems have a lower chance of being stolen and will save you 10% or more.
  • Passenger Safety Discount – Vehicles equipped with air bags and/or automatic seat belt systems could see savings as much as 30%.
  • Pay Upfront and Save – By paying your entire bill at once rather than spreading payments over time you could save 5% or more.
  • Government Employee Discount – Federal government employees may reduce rates when you quote insurance for 9-5 insurance depending on your auto insurance provider.

Policy discounts save money, but most discount credits are not given to the overall cost of the policy. Most cut the price of certain insurance coverages like collision or personal injury protection. Even though the math looks like you would end up receiving a 100% discount, it doesn’t quite work that way.

Companies and a partial list of their discounts are detailed below.

  • State Farm may include discounts for driver’s education, multiple policy, good student, good driver, anti-theft, passive restraint, and multiple autos.
  • Liberty Mutual may have discounts that include multi-policy, new move discount, preferred payment discount, good student, teen driver discount, exclusive group savings, and newly married.
  • American Family has savings for mySafetyValet, early bird, Steer into Savings, multi-vehicle, and good student.
  • Progressive offers premium reductions for continuous coverage, good student, homeowner, multi-vehicle, online signing, online quote discount, and multi-policy.
  • Farmers Insurance offers discounts including multi-car, alternative fuel, electronic funds transfer, business and professional, and teen driver.
  • Auto-Owners Insurance may offer discounts for multiple vehicles, student away at school, good student, mature driver, and teen driver.
  • SAFECO policyholders can earn discounts including drive less, multi-car, accident prevention training, safe driver, and anti-theft.

If you need cheaper insurance quotes, ask each company or agent how you can save money. Some credits may not apply to policies everywhere.

Tailor your car insurance coverage to you

When it comes to choosing adequate coverage, there really is not a single plan that fits everyone. Everyone’s needs are different.

For instance, these questions can aid in determining whether or not you would benefit from an agent’s advice.

  • Should I have combined single limit or split liability limits?
  • Can I afford to pay high deductible claims out of pocket?
  • What is no-fault insurance?
  • How much underlying liability do I need for an umbrella policy?
  • Does my car insurance cover rental cars?
  • Can I rate high risk drivers on liability-only vehicles?
  • What are the best liability limits?
  • Is my camper covered by my car insurance policy?
  • Exactly who is provided coverage by my policy?

If you don’t know the answers to these questions, you might consider talking to an insurance agent. If you want to speak to an agent in your area, simply complete this short form.

Insurance coverage companies are expert advertisers

Companies like Progressive, GEICO, Allstate and State Farm constantly bombard you with ads on TV and radio. They all advertise the message that you can save if you just switch to their company. How does every insurance coverage company offer drivers better rates? This is how they do it.

Different companies quote their cheapest rates for the type of driver that earns them the most money. For example, a driver they prefer might have to be between the ages of 40 and 55, has a clear driving record, and drives a car with an anti-theft system. A customer that matches those criteria will get very good prices and is almost guaranteed to cut their rates substantially.

Consumers who cannot meet this ideal profile will see higher rates and this can result in the customer buying from a different company. The ads state “people that switch” not “everyone who quotes” can save as much as they claim. That’s why companies can claim big savings.

Because of this risk profiling, drivers must compare rate quotes every year. You cannot predict with any certainty which company will have the best rates.

Insurance coverage considerations

Learning about specific coverages of a insurance policy can be of help when determining appropriate coverage and the correct deductibles and limits. The coverage terms in a policy can be ambiguous and even agents have difficulty translating policy wording.

Comprehensive or Other Than Collision – Comprehensive insurance coverage pays for damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for claims like a tree branch falling on your vehicle, rock chips in glass, hitting a deer, damage from getting keyed and a broken windshield. The maximum amount your insurance company will pay is the actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Auto liability – This can cover damages or injuries you inflict on a person or their property. Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. Your policy might show limits of 25/50/25 which means a limit of $25,000 per injured person, a per accident bodily injury limit of $50,000, and a limit of $25,000 paid for damaged property. Another option is a combined single limit or CSL which provides one coverage limit without having the split limit caps.

Liability insurance covers claims like legal defense fees, repair bills for other people’s vehicles and emergency aid. How much liability should you purchase? That is your choice, but it’s cheap coverage so purchase as much as you can afford.

Collision coverage – Collision insurance pays for damage to your 9-5 from colliding with an object or car. You first must pay a deductible and then insurance will cover the remainder.

Collision insurance covers things such as sustaining damage from a pot hole, crashing into a building, crashing into a ditch and sideswiping another vehicle. This coverage can be expensive, so consider dropping it from vehicles that are 8 years or older. Another option is to raise the deductible in order to get cheaper collision rates.

UM/UIM Coverage – This provides protection when other motorists either have no liability insurance or not enough. It can pay for medical payments for you and your occupants as well as damage to your Saab 9-5.

Since a lot of drivers only carry the minimum required liability limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages should not be overlooked. Normally the UM/UIM limits are identical to your policy’s liability coverage.

Medical costs insurance – Medical payments and Personal Injury Protection insurance kick in for short-term medical expenses for things like ambulance fees, surgery and nursing services. They are utilized in addition to your health insurance policy or if there is no health insurance coverage. Coverage applies to all vehicle occupants in addition to any family member struck as a pedestrian. Personal injury protection coverage is not available in all states and may carry a deductible

Don’t be a big spender

As you restructure your insurance plan, never skimp on critical coverages to save a buck or two. In many cases, an accident victim reduced physical damage coverage only to regret that the savings was not a smart move. The goal is to purchase a proper amount of coverage for the lowest price, not the least amount of coverage.

Insureds leave their current company for any number of reasons including extreme rates for teen drivers, denial of a claim, high prices and even being labeled a high risk driver. Whatever your reason, choosing a new company can be easier than you think.

Affordable 2009 Saab 9-5 insurance can be purchased both online as well as from insurance agents, and you need to price shop both to have the best rate selection. Some companies don’t offer rate quotes online and these regional insurance providers sell through local independent agencies.

Additional information