2006 Saab 9-3 Insurance Rates – 8 Tips to Save

Perplexed by the crazy number of insurance company choices? Many other drivers are as well. Drivers have so many options that it can easily become a lot of work to find lower rates.

It’s a good idea to shop coverage around on a regular basis because prices tend to go up over time. Despite the fact that you may have had the lowest rates for 9-3 coverage a couple years back the chances are good that you can find a lower rate today. There is a lot of bad information regarding insurance online but I’m going to show you some proven techniques to save money.

If you currently have car insurance, you should be able to cut costs considerably using these tips. Locating cheaper insurance coverage is quite easy. But drivers benefit from understanding the way insurance companies sell online and use this information to your advantage.

Insurance Comparison Rates

The are a couple different ways of comparing price quotes from insurance companies in your area. By far the easiest way to compare 2006 Saab 9-3 insurance prices is to use the internet to compare rates. This can be done in a couple of different ways.

1. The first (and easiest) way to get quotes is a comparison rater form like this one (opens in new window). This type of form keeps you from doing repetitive form entry to each individual insurance company. One form gets rate comparisons from many national carriers.It’s the quickest way to get rates.
2. Another way to shop for insurance online consists of visiting each individual company website to request a price quote. For sake of this example, let’s say you want comparison quotes from Progressive, GEICO and Allstate. To get each rate you have to go to every website and enter your policy data, and that’s why the first method is more popular. For a list of links to insurance companies in your area, click here.

Whichever way you use, ensure you are comparing identical information on every quote. If you use different deductibles it will be next to impossible to determine the lowest rate for your Saab 9-3. Having just a slight variation in coverage limits can result in a big premium difference. Just keep in mind that comparing more company’s prices helps you find the best rates.

Tailor your coverage to you

When choosing the best insurance coverage coverage, there is no best way to insure your cars. Everyone’s situation is unique.

For instance, these questions can help discover if your situation will benefit from professional help.

• Do I have newly-aquired coverage?
• Am I covered if I hit a deer?
• Why is insurance for a teen driver so high?
• How much can I save by bundling my policies?
• What if I owe more than I can insure my car for?
• Does having multiple vehicles earn me a discount?

If you’re not sure about those questions but one or more may apply to you, then you may want to think about talking to an insurance agent. If you want to speak to an agent in your area, complete this form.

Specific coverages for a Saab 9-3

Having a good grasp of a auto insurance policy can be of help when determining which coverages you need and proper limits and deductibles. Auto insurance terms can be difficult to understand and nobody wants to actually read their policy.

Coverage for medical payments

Medical payments and Personal Injury Protection insurance provide coverage for expenses for hospital visits, nursing services and prosthetic devices. The coverages can be used in conjunction with a health insurance policy or if you lack health insurance entirely. Coverage applies to both the driver and occupants and also covers any family member struck as a pedestrian. PIP is not an option in every state but can be used in place of medical payments coverage

Coverage for collisions

This coverage pays for damage to your 9-3 resulting from colliding with another car or object. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers claims like crashing into a building, hitting a parking meter, scraping a guard rail, crashing into a ditch and hitting a mailbox. Paying for collision coverage can be pricey, so consider removing coverage from lower value vehicles. You can also bump up the deductible to save money on collision insurance.

Uninsured and underinsured coverage

This coverage protects you and your vehicle when the “other guys” either are underinsured or have no liability coverage at all. Covered claims include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since a lot of drivers have only the minimum liability required by law, their limits can quickly be used up. For this reason, having high UM/UIM coverages is important protection for you and your family. Normally your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Comprehensive coverages

This coverage will pay to fix damage OTHER than collision with another vehicle or object. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive can pay for things like a tree branch falling on your vehicle, damage from flooding, damage from getting keyed, theft and vandalism. The maximum amount you can receive from a comprehensive claim is the ACV or actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Liability car insurance

This can cover injuries or damage you cause to a person or their property. Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show liability limits of 25/50/25 which means $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and a total limit of $25,000 for damage to vehicles and property. Some companies may use a combined limit which combines the three limits into one amount without having the split limit caps.

Liability coverage pays for claims such as medical expenses, attorney fees and legal defense fees. How much liability coverage do you need? That is a personal decision, but you should buy as much as you can afford.