Trying to find the cheapest insurance rates for your Saab 900? Are you tired of robbing Peter to pay Paul each month for car insurance? You are in the same boat as many other consumers. Numerous insurance companies battle for your hard-earned dollar, so it’s not easy to compare every insurance company to find the best price available.
Smart consumers take time to get comparison quotes yearly since insurance rates are constantly changing. Just because you had the best rates on 900 coverage last year a different company probably has better rates today. So forget anything you know (or think you know) about insurance because you’re going to learn the tricks you need to know to save money, get proper coverage and the best rates.
There are multiple methods you can shop for 1994 Saab 900 car insurance but there is one way that is less labor-intensive and much quicker. You could waste a few hours talking to insurance agencies in your area, or you could save time and use online quotes for quick rates.
Many insurance companies participate in a marketplace that enables customers to enter their coverage request one time, and each participating company returns a competitive quote based on that data. This system prevents you from having to do quote forms to each individual car insurance company.
To access this free quoting program, click here to open in new window.
One minor caviat to using this type of system is that consumers can’t choose which carriers you will receive quotes from. So if you want to choose specific insurance companies to compare, we have assembled a list of car insurance companies in your area. Click to view list.
However you get your quotes, ensure you are comparing exactly the same information for each price quote. If your comparisons have higher or lower deductibles then you won’t be able to truly determine the lowest rate.
Consumers can’t ignore all the ads for the lowest price auto insurance by companies like Allstate, GEICO and Progressive. All the ads have a common claim that you can save if you change to them.
How do they all make the same claim? This is how they do it.
All companies can use profiling for the type of customer they prefer to insure. For instance, a profitable customer might be profiled as between the ages of 40 and 55, has no prior claims, and has a short commute. A customer getting a price quote who matches those parameters will qualify for the lowest rates and is almost guaranteed to save when they switch companies.
Potential insureds who are not a match for the requirements must pay a more expensive rate which usually ends up with business not being written. The ad wording is “drivers who switch” not “everyone that quotes” save that kind of money. That’s why companies can truthfully claim big savings. This illustrates why drivers should compare as many rates as you can. It’s just too difficult to predict the company that will provide you with the cheapest Saab 900 insurance rates.
Companies that sell car insurance do not list all available discounts very clearly, so we break down some of the more common and the more hidden ways to save on insurance coverage. If you’re not getting every credit available, you are paying more than you should be.
It’s important to note that most discounts do not apply to the entire policy premium. Most only reduce the cost of specific coverages such as liability and collision coverage. So even though they make it sound like you would end up receiving a 100% discount, companies don’t profit that way.
A partial list of companies that may have these money-saving discounts are:
Check with every prospective company how you can save money. Discounts may not be available in your state.
When it comes to choosing adequate coverage for your vehicles, there is no single plan that fits everyone. Each situation is unique and a cookie cutter policy won’t apply. These are some specific questions could help you determine if you might need professional guidance.
If you can’t answer these questions, you might consider talking to a licensed insurance agent. To find lower rates from a local agent, take a second and complete this form or you can go here for a list of companies in your area. It’s fast, doesn’t cost anything and you can get the answers you need.
Having a good grasp of your policy can be of help when determining which coverages you need for your vehicles. Policy terminology can be difficult to understand and even agents have difficulty translating policy wording. Listed below are typical coverage types offered by auto insurance companies.
UM/UIM (Uninsured/Underinsured Motorist) coverage – This gives you protection when other motorists are uninsured or don’t have enough coverage. It can pay for medical payments for you and your occupants and damage to your 1994 Saab 900.
Due to the fact that many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. So UM/UIM coverage should not be overlooked.
Auto liability insurance – This protects you from damages or injuries you inflict on a person or their property by causing an accident. This coverage protects you from claims by other people, and does not provide coverage for damage to your own property or vehicle.
Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. As an example, you may have liability limits of 50/100/50 that translate to a $50,000 limit per person for injuries, $100,000 for the entire accident, and a total limit of $50,000 for damage to vehicles and property.
Liability insurance covers things such as attorney fees, bail bonds, repair costs for stationary objects and medical expenses. How much liability should you purchase? That is a decision to put some thought into, but it’s cheap coverage so purchase higher limits if possible.
Medical payments and PIP coverage – Medical payments and Personal Injury Protection insurance pay for expenses for things like nursing services, rehabilitation expenses, EMT expenses, hospital visits and funeral costs. The coverages can be 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 and will also cover any family member struck as a pedestrian. Personal Injury Protection is not an option in every state but can be used in place of medical payments coverage
Comprehensive auto coverage – This coverage will pay to fix damage that is not covered by collision coverage. A deductible will apply then your comprehensive coverage will pay.
Comprehensive insurance covers things like hail damage, theft, hitting a deer, damage from a tornado or hurricane and damage from getting keyed. The most you’ll receive from a claim is the cash value of the vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.
Collision – This coverage pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You first must pay a deductible and then insurance will cover the remainder.
Collision insurance covers claims such as sideswiping another vehicle, driving through your garage door and colliding with another moving vehicle. Collision coverage makes up a good portion of your premium, so consider removing coverage from older vehicles. You can also choose a higher deductible to save money on collision insurance.
We just presented quite a bit of information on how to shop for 1994 Saab 900 insurance online. It’s most important to understand that the more rate comparisons you have, the more likely it is that you will get a better rate. You may even find the biggest savings come from an unexpected company. These smaller insurers may cover specific market segments cheaper than their larger competitors like Progressive or GEICO.
As you prepare to switch companies, make sure you don’t buy poor coverage just to save money. There are a lot of situations where an insured dropped liability limits or collision coverage and learned later that it was a big mistake. Your focus should be to find the BEST coverage for the lowest price while still protecting your assets.
Even more information can be read at these sites: