Cheap 2007 Saab 9-3 Insurance Quotes

Looking for lower insurance rates for your Saab 9-3? Did you fall for a flashy sales pitch and buy high-priced insurance? Trust us when we tell you there are many consumers feeling the pinch from expensive insurance. Online insurance companies like GEICO, Farmers Insurance and State Farm promote their brand names with advertising and it can be hard to ignore the flashy ads and take the time to shop coverage around.

Fast and Easy Auto Insurance Quotes

Finding cheaper 2007 Saab 9-3 auto insurance prices is not rocket science. You just need to take a few minutes to get quotes from different insurance companies. It is quite easy and can be accomplished in a couple of different ways.

Probably the best way to get quotes is to use a rate comparison form like this one (opens in new window). This easy form keeps you from doing separate quotes to each individual auto insurance company. One simple form gets rate comparisons from all major companies.

A different way to analyze rates consists of going to the website for each individual company to complete a price quote. For sake of this example, we’ll assume you want rates from Liberty Mutual, Farmers and GMAC. To get rate quotes you would need to go to every website to input your insurance information, and that’s why the first method is more popular.

To view a list of companies in your area, click here.

The least recommended method of getting rate comparisons is to spend your day driving to and from local insurance agencies. Shopping for auto insurance online has reduced the need for local agents unless you have a need for the trained guidance of a local agent. However, consumers can get prices online but still have the advice of a local agent and we’ll touch on that later.

Which method you use is up to you, but double check that you are using identical coverages and limits on every quote. If you compare different limits and deductibles on each one it will be impossible to find the best deal for your Saab 9-3.

Don’t miss these discounts

Companies that sell car insurance don’t necessarily list every available discount very clearly, so the following is a list of both well-publicized and the more hidden car insurance savings. If you’re not getting every credit available, you’re just leaving money on the table.

  • Employee of Federal Government – Employees or retirees of the government could cut as much as 10% off on 9-3 insurance with select insurance companies.
  • Paperless Signup – A handful of insurance companies will give a small break simply for signing online.
  • Safety Course Discount – Successfully completing a defensive driving course can save you 5% or more if your company offers it.
  • Homeowners Pay Less – Simply owning a home can help you save on car insurance due to the fact that maintaining a home requires personal responsibility.
  • Pay Now and Pay Less – If you pay your entire premium ahead of time instead of making monthly payments you could save up to 5%.
  • Passive Restraint Discount – Factory air bags may earn rate discounts of up to 25% or more.
  • Discount for Life Insurance – Companies who offer life insurance give lower rates if you buy auto and life insurance together.
  • Good Student – This discount can save 20 to 25%. Earning this discount can benefit you well after school through age 25.
  • Multi-car Discount – Buying insurance for more than one vehicle on one policy may reduce the rate for each vehicle.
  • Low Mileage – Low mileage vehicles can earn discounted rates on garaged vehicles.

A little note about advertised discounts, many deductions do not apply to the entire cost. Most only apply to the price of certain insurance coverages like comprehensive or collision. Just because it seems like having all the discounts means you get insurance for free, companies wouldn’t make money that way.

Companies that possibly offer some of the above discounts are:

Before buying, ask each insurance company which discounts they offer. Some discounts may not be available everywhere.

Saab 9-3 insurance rates have many determining factors

Smart consumers have a good feel for some of the elements that go into determining insurance coverage rates. Knowing what influences your rates enables informed choices that can help you get big savings.

Listed below are some of the factors insurance coverage companies consider when setting your rates.

  • Lower rates come with age – Youthful drivers are known to be careless and easily distracted when behind the wheel so insurance coverage rates are higher. Older insureds are more cautious drivers, file fewer claims and are safer drivers.
  • Safer occupants lowers premiums – Cars with high safety ratings tend to have better insurance rates. The safest vehicles reduce injuries and any reduction in injury severity translates into savings for insurance companies and lower rates for you. If your Saab 9-3 has ratings of a minimum four stars on it is probably cheaper to insure.
  • Consolidate policies to earn discounts – The majority of companies provide better rates to insureds who buy several policies from them, otherwise known as a multi-policy discount. If you currently are using one company, you may still want to compare other company rates to confirm you are receiving the best rates possible.
  • Traffic citations inflate rates – A bad driving record has a lot to do with how much you pay for insurance. Drivers who don’t get tickets tend to pay less for car insurance than people who have multiple driving citations. Even one moving violation can bump up the cost by twenty percent. If you have severe violations such as DUI or reckless driving may find they need to submit a SR-22 form with their state motor vehicle department in order to drive a vehicle legally.
  • Extra coverages can waste money – There are quite a few additional coverages that you can buy on your insurance coverage policy. Coverages like rental car reimbursement, towing coverage and term life insurance are examples of these. These coverages may sound good at first, but if they’re wasting money get rid of them and save.
  • Are you male or female? – Statistics demonstrate women tend to be less risk to insure than men. That doesn’t necessarily mean that men are worse drivers. Women and men have accidents at a similar rate, but the male of the species cause more damage. Men also tend to receive more costly citations like reckless driving and DUI. Young males are the most expensive to insure and are penalized with high insurance coverage rates.
  • Your stress level may be raising your rates – Did you know your insurance coverage rates can be affected by your occupation? Occupations such as doctors, executives and financial analysts have higher average rates due to high stress levels and long work hours. Conversely, jobs such as actors, engineers and homemakers get better rates on 9-3 insurance.
  • How credit affects insurance coverage rates – Your credit score is a big factor in your rate calculation. If your credit score is lower than you’d like, you could save money insuring your 2007 Saab 9-3 by improving your rating. Drivers who have good credit tend to be better drivers and file fewer claims than those with poor credit.

When might I need help?

When it comes to choosing the best auto insurance coverage, there really is not a one size fits all plan. Everyone’s situation is unique and a cookie cutter policy won’t apply. Here are some questions about coverages that could help you determine whether or not you might need an agent’s assistance.

  • What is medical payments coverage?
  • What are the financial responsibility laws in my state?
  • Do I need higher collision deductibles?
  • Should I bundle my homeowners policy with my auto?
  • How high should my uninsured/underinsured coverage be in my state?
  • Does my policy cover my teen driver if they drive my company car?
  • Am I covered if I crash into my own garage door?
  • Do I need roadside assistance coverage?
  • When does my teenage driver need to be added to my policy?
  • Which companies will insure high-risk drivers?

If it’s difficult to answer those questions but you know they apply to you, you might consider talking to an agent. To find an agent in your area, fill out this quick form or click here for a list of auto insurance companies in your area. It only takes a few minutes and can provide invaluable advice.

Don’t be fooled by advertising claims

Drivers get pounded daily by advertisements for the lowest price auto insurance from companies such as GEICO, State Farm and Progressive. All the companies make an identical promise that you’ll save big after switching your policy.

But how can every company say the same thing?

All companies have a certain “appetite” for the driver they prefer to insure. A good example of a profitable customer could be over the age of 50, is a homeowner, and chooses high deductibles. A driver who meets those qualifications receives the best rates and most likely will cut their rates substantially.

Potential customers who don’t qualify for these standards will be charged more money which usually ends up with business not being written. The ads say “drivers who switch” but not “drivers who get quotes” save that much. This is how insurance companies can make the claims of big savings. That is why drivers should get as many comparisons as possible. It’s impossible to know which insurance companies will provide you with the cheapest Saab 9-3 insurance rates.

Specific coverages for a Saab 9-3

Knowing the specifics of your policy can be of help when determining appropriate coverage for your vehicles. Policy terminology can be difficult to understand and nobody wants to actually read their policy. Listed below are typical coverages offered by insurance companies.

Coverage for collisions

Collision insurance pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims such as damaging your car on a curb, colliding with another moving vehicle, rolling your car and backing into a parked car. Collision coverage makes up a good portion of your premium, so consider dropping it from lower value vehicles. Another option is to bump up the deductible to bring the cost down.

Uninsured Motorist or Underinsured Motorist insurance

Uninsured or Underinsured Motorist coverage gives you protection from other drivers when they are uninsured or don’t have enough coverage. Covered claims include injuries to you and your family and damage to your Saab 9-3.

Since many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Insurance for medical payments

Med pay and PIP coverage reimburse you for bills like surgery, prosthetic devices and doctor visits. They are used to cover expenses not covered by your health insurance plan or if you are not covered by health insurance. They cover not only the driver but also the vehicle occupants and also covers if you are hit as a while walking down the street. Personal injury protection coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Comprehensive coverage (or Other than Collision)

Comprehensive insurance coverage covers damage from a wide range of events other than collision. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage pays for claims such as damage from flooding, hitting a deer, a broken windshield and falling objects. The most a insurance company will pay at claim time is the market value of your vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Auto liability

Liability coverage provides protection from damages or injuries you inflict on people or other property. This insurance protects YOU against claims from other people, and doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You commonly see policy limits of 25/50/25 which stand for $25,000 in coverage for each person’s injuries, a limit of $50,000 in injury protection per accident, and a limit of $25,000 paid for damaged property.

Liability coverage pays for things such as medical expenses, loss of income and emergency aid. How much coverage you buy is a decision to put some thought into, but consider buying as high a limit as you can afford.

Buy online or local, you save

We covered some good ideas how to shop for 2007 Saab 9-3 insurance online. The most important thing to understand is the more you quote, the better likelihood of reducing your rate. Drivers may discover the lowest rates come from some of the lesser-known companies. Regional companies may only write in your state and offer lower rates as compared to the big name companies such as GEICO and State Farm.

Cheap insurance is attainable on the web as well as from independent agents, and you should compare price quotes from both to get a complete price analysis. Some companies don’t offer online price quotes and most of the time these regional insurance providers sell through independent agents.

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