Vehicles > Saab > 9-3

Saab 9-3 Insurance Cost

Buying car insurance from online companies saves time, is easy to do and there is a good chance you might just save a little. The key to finding lower rates is to take the time to get as many rate quotes as possible so you can get the lowest rate quotes.

Shopping online for car insurance can be a challenge if you are a beginner to online quotes. But don't let that discourage you because comparing prices is actually very simple. When shopping for car insurance there are multiple ways to compare quotes from different insurance companies. By far the easiest way to find competitive Saab 9-3 insurance rates is to get quotes online. This can be accomplished by completing this short form.

Auto insurance rates for a Saab 9-3 can vary widely and are calculated by many factors. Some of these factors include:

  • Tickets increase premiums
  • Credit rating
  • Your gender can raise or lower rates
  • Low deductibles cost more
  • Safety rating of your 9-3
  • What you do for a living
  • The level of coverage
  • Whether you own your home

A final factor that helps determine Saab 9-3 insurance cost is the model year. Older models cost less in comparison to older models so repair costs tend to be lower which may end up costing you less. Conversely, newer models may have a trim level with safety features such as active head restraints, adaptive headlights, a backup camera, and tire pressure monitors which can give discounted rates.

To get a better idea how rates are influenced for your specific model year, select the year of your vehicle below.

Liability coverage

This protects you from damage that occurs to other people or property in an accident. Liability coverage pays for things like legal defense fees, bail bonds, and repair bills for other people's vehicles. It is cheap coverage so consider buying higher limits if possible.

Collision insurance

Collision insurance pays for damage to your Saab caused by collision with another car or object. You will need to pay your deductible then the remaining damage will be paid by your insurance company. Saab 9-3 collision insurance is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are older. It's also possible to bump up the deductible to bring the cost down.

Comprehensive coverage

Comprehensive insurance pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first must pay your deductible and the remainder of the damage will be paid by your Saab 9-3 comprehensive insurance. The maximum payout you'll receive from a claim is the cash value of the vehicle, so if the vehicle's value is low consider dropping full coverage.

Uninsured/Underinsured Motorist (UM/UIM)

Your UM/UIM coverage protects you and your vehicle from other drivers when they do not carry enough liability coverage. Since many drivers have only the minimum liability required by law, it doesn't take a major accident to exceed their coverage limits. So UM/UIM coverage is very important.

Medical payments coverage and PIP

Med pay and PIP coverage kick in for short-term medical expenses (i.e. nursing services, prosthetic devices, and dental work). They are used to fill the gap from your health insurance policy or if you do not have health coverage. PIP coverage is not available in all states but it provides additional coverages not offered by medical payments coverage.

How Much are Saab 9-3 Insurance Rates?