1993 Saab 900 Insurance Quotes – 9 Tricks for Cheaper Rates

Trying to find better insurance rates for your Saab 900? Scraping up a payment for overpriced Saab 900 insurance can take a big chunk out of your personal savings and put the squeeze on your family’s finances. Comparison shopping is free, only takes a few minutes, and is a good way to reduce premiums and put more money in your pocket.

Companies like State Farm, GEICO and Farmers Insurance persitently shower you with catchy ads and it can be hard to not get sucked in by the cute commercials and find the best price available.

You should take the time to check insurance prices periodically since rates tend to go up over time. If you had the lowest price on 900 insurance on your last policy you can probably find a lower rate today. Ignore everything you know about insurance because you’re about to learn the tricks you need to know to buy cheaper insurance.

If you currently have car insurance, you stand a good chance to be able to save some money using these techniques. Finding the best rates is not rocket science. Although car owners need to have an understanding of how big insurance companies sell insurance online and use this information to your advantage.

Insurance Prices

Most companies like State Farm and Allstate quote coverage price quotes on their websites. The process is fairly simple as you simply enter the coverage amounts you desire into the quote form. After you complete the form, the company’s rating system makes automated requests for reports for credit and driving violations and returns pricing information. Quoting online makes comparing rates easy, but having to visit multiple sites and fill out multiple forms gets old quite quickly. But it is imperative to compare as many rates as possible if you want to find a lower rate.

There is a better way!

An easier way to compare insurance pricing is to use a quote form that analyzes rates from many companies. The form is fast, requires less work, and makes comparison shopping much easier to do. As soon as the form is sent, it is rated and you are able to buy any of the price quotes you receive.

If a lower price is quoted, you simply finish the application and buy the new coverage. This process only takes a few minutes and you will find out if you’re overpaying now.

To quickly find out what other companies charge, click here and enter your information. If you have coverage now, it’s recommended you replicate the limits and deductibles identical to your current policy. This ensures you will receive a fair comparison based on the exact same insurance coverage.

There’s no such thing as the perfect policy

When it comes to choosing proper insurance coverage for your vehicles, there really is no best way to insure your cars. Every insured’s situation is different so your insurance needs to address that. These are some specific questions might point out if your insurance needs may require specific advice.

  • Do I need to file an SR-22 for a DUI in my state?
  • Will my vehicle be repaired with OEM or aftermarket parts?
  • Is my babysitter covered when using my vehicle?
  • Does my insurance cover my expensive audio equipment?
  • Is pleasure use cheaper than using my 1993 Saab 900 to commute?
  • Exactly who is provided coverage by my policy?
  • Can my teen drive my company car?
  • Am I covered if I break a side mirror?
  • Does insurance cover damages from a DUI accident?

If you don’t know the answers to these questions but one or more may apply to you, you may need to chat with a licensed agent. If you want to speak to an agent in your area, fill out this quick form or you can also visit this page to select a carrier

Insurance specifics

Having a good grasp of your policy can help you determine which coverages you need and the correct deductibles and limits. The terms used in a policy can be ambiguous and even agents have difficulty translating policy wording. Listed below are typical coverage types found on most insurance policies.

Medical payments and PIP coverage

Med pay and PIP coverage reimburse you for expenses for things like nursing services, hospital visits, ambulance fees and doctor visits. They are used in conjunction with a health insurance program or if you are not covered by health insurance. Medical payments and PIP cover both the driver and occupants in addition to if you are hit as a while walking down the street. Personal injury protection coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Comprehensive auto coverage

This coverage will pay to fix damage OTHER than collision with another vehicle or object. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims such as hitting a deer, falling objects and hitting a bird. The maximum payout your insurance company will pay is the ACV or actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This provides protection when the “other guys” either have no liability insurance or not enough. Covered claims include injuries to you and your family and also any damage incurred to your 1993 Saab 900.

Since many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Frequently these limits do not exceed the liability coverage limits.

Liability insurance

This coverage can cover injuries or damage you cause to a person or their property. Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show values of 25/50/25 which means $25,000 in coverage for each person’s injuries, a per accident bodily injury limit of $50,000, and $25,000 of coverage for damaged propery. Another option is a combined limit which combines the three limits into one amount without having the split limit caps.

Liability insurance covers claims such as medical services, loss of income and legal defense fees. How much coverage you buy is up to you, but you should buy as high a limit as you can afford.

Auto collision coverage

Collision coverage pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for claims like colliding with another moving vehicle, sideswiping another vehicle and driving through your garage door. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from older vehicles. It’s also possible to raise the deductible in order to get cheaper collision rates.