2010 Saab 9-3 Insurance Quotes

Trying to find better car insurance rates for your Saab 9-3? Searching for low-cost car insurance over the internet can be problematic for consumers new to comparison shopping online. With dozens of insurers to choose from, how can drivers even start to compare every company to locate the best price?

If you have car insurance now, you will most likely be able to lower your premiums substantially using these methods. Locating the cheapest insurance coverage coverage can be fairly easy. But vehicle owners need to have an understanding of how companies sell insurance online and apply this information to your search.

Saab 9-3 premiums are determined by many factors

An important part of buying insurance is that you know some of the elements that come into play when calculating your insurance rates. Understanding what influences your rates empowers consumers to make smart changes that could result in much lower annual insurance costs.

  • Drive less and save money – The more you drive in a year’s time the more you will pay for insurance. The majority of insurers price each vehicle’s coverage determined by how the vehicle is used. Vehicles that are left in the garage can get a lower rate than vehicles that are driven to work every day. An improperly rated 9-3 may be costing you. Verify your insurance policy is showing the correct driver usage, because it can save money.
  • Don’t get talked into coverage you don’t need – There are a lot of extra coverages you can purchase on your 9-3 policy. Coverages like personal injury protection, better glass coverage and term life insurance are examples of these. These may sound like a good investment initially, but if they’re wasting money get rid of them and save.
  • Battle of the sexes – Statistics have proven that men are more aggressive behind the wheel. However, this does not mean men are WORSE drivers than women. Both sexes cause accidents at about the same rate, but the men have costlier accidents. Men also statistically get more serious tickets like reckless driving and DUI. Male drivers age 16 to 19 are most likely to cause an accident and therefore have the most expensive insurance rates.
  • Bad driving skills means higher rates – Only having one ticket can boost insurance rates twenty percent or more. Careful drivers tend to pay less for car insurance than bad drivers. Drivers with serious tickets such as reckless driving, hit and run or driving under the influence are required to submit a SR-22 form with the DMV in their state in order to continue driving.
  • How your age affects price – Young drivers have a tendency to be careless and easily distracted behind the wheel so insurance rates are higher. Adding a young driver onto a policy can be very expensive. Older drivers are more cautious drivers, statistically cause fewer accidents and get fewer tickets.
  • Higher deductibles cost less – The deductibles represent how much money you are required to spend out-of-pocket if you file a covered claim. Physical damage insurance, also known as collision and other-than-collision, covers damage that occurs to your car. A few examples of covered claims would be colliding with a building, vandalism, or theft. The more you have to pay, the lower your rates will be for 9-3 insurance.

Pay less for Saab 9-3 insurance

The price of auto insurance can be rather high, but companies offer discounts to reduce the price significantly. A few discounts will automatically apply when you purchase, but lesser-known reductions have to be requested specifically before being credited.

  • Drive Less and Save – Keeping the miles down on your Saab can earn better rates on cars that stay parked.
  • Seat Belt Usage – Buckling up and requiring all passengers to buckle their seat belts could save 15% on the medical payments or PIP coverage costs.
  • Driver Safety – Taking part in a course in driver safety can save you 5% or more depending on where you live.
  • Multiple Policy Discount – When you have multiple policies with one insurance company you could get a discount of up to 20% off your total premium.
  • College Student – Any of your kids living away from home attending college and don’t have a car can receive lower rates.
  • Payment Discounts – If you pay your bill all at once instead of monthly or quarterly installments you may reduce your total bill.
  • Anti-theft System – Vehicles equipped with anti-theft or alarm systems prevent vehicle theft and qualify for as much as a 10% discount.
  • Save over 55 – If you qualify as a senior citizen, you may be able to get a discount up to 10% for 9-3 insurance.

Keep in mind that some credits don’t apply the the whole policy. Most cut individual premiums such as comp or med pay. Just because it seems like all those discounts means the company will pay you, it just doesn’t work that way. But all discounts will bring down the amount you have to pay.

For a list of insurers with discount insurance rates, follow this link.

The fine print in insurance ads

Insurance companies such as State Farm and Allstate constantly bombard you with television and radio advertisements. They all seem to say the same thing that you’ll save big if you switch to their company. How do they all make the same claim?

Different companies have a preferred profile for the right customer they prefer to insure. An example of a profitable customer could be between the ages of 30 and 50, is a homeowner, and chooses high deductibles. A customer that hits that “sweet spot” will qualify for the lowest rates and is almost guaranteed to save a lot of money.

Drivers who do not match the “perfect” profile must pay more money which usually ends up with business going elsewhere. The ad wording is “customers who switch” not “everyone that quotes” save that much money. That’s the way insurance companies can advertise the savings.

This illustrates why it’s extremely important to get a wide range of price quotes. Because you never know which insurance company will have the lowest Saab 9-3 insurance rates.

Tailor your coverage to you

When it comes to buying the right insurance coverage, there really is not a “perfect” insurance plan. Your needs are not the same as everyone else’s.

Here are some questions about coverages that might help in determining if you will benefit from professional help.

  • What is the rate difference between pleasure use and commuting?
  • Is my nanny covered when driving my vehicle?
  • Does my policy cover me when driving someone else’s vehicle?
  • Can I make deliveries for my home business?
  • Does coverage extend to my business vehicle?
  • Is my dog or cat covered if injured in an accident?
  • Should I drop comprehensive coverage on older vehicles?
  • When should I buy a commercial auto policy?
  • Do I need higher collision deductibles?

If you don’t know the answers to these questions then you might want to talk to an insurance agent. If you don’t have a local agent, complete this form.

Auto insurance coverage information

Learning about specific coverages of a insurance policy helps when choosing the right coverages and proper limits and deductibles. The terms used in a policy can be impossible to understand and coverage can change by endorsement.

Comprehensive (Other than Collision)

This covers damage that is not covered by collision coverage. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims such as vandalism, damage from getting keyed and hail damage. The most a insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Auto liability

Liability coverage protects you from damage that occurs to people or other property that is your fault. It protects you against claims from other people. It does not cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show policy limits of 25/50/25 that translate to $25,000 bodily injury coverage, $50,000 for the entire accident, and a limit of $25,000 paid for damaged property. Alternatively, you may have one limit called combined single limit (CSL) which provides one coverage limit with no separate limits for injury or property damage.

Liability insurance covers things like medical services, pain and suffering, repair costs for stationary objects, legal defense fees and bail bonds. The amount of liability coverage you purchase is your choice, but you should buy as much as you can afford.

Collision protection

This covers damage to your 9-3 resulting from colliding with an object or car. You will need to pay your deductible then your collision coverage will kick in.

Collision can pay for claims such as damaging your car on a curb, crashing into a building, rolling your car and sideswiping another vehicle. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are 8 years or older. It’s also possible to bump up the deductible to save money on collision insurance.

Medical expense insurance

Personal Injury Protection (PIP) and medical payments coverage reimburse you for short-term medical expenses like rehabilitation expenses, EMT expenses and nursing services. The coverages can be used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. They cover you and your occupants and will also cover being hit by a car walking across the street. Personal injury protection coverage is not available in all states but can be used in place of medical payments coverage

Protection from uninsured/underinsured drivers

This coverage protects you and your vehicle from other motorists when they are uninsured or don’t have enough coverage. Covered claims include injuries sustained by your vehicle’s occupants and damage to your Saab 9-3.

Because many people have only the minimum liability required by law, their limits can quickly be used up. For this reason, having high UM/UIM coverages is very important. Normally your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Do the work, save more money

Throughout this article, we presented a lot of tips how to lower your 2010 Saab 9-3 insurance rates. The key concept to understand is the more rate quotes you have, the better chance you’ll have of finding lower rates. Drivers may discover the lowest priced insurance comes from a smaller regional carrier.

Affordable insurance can be sourced online as well as from independent agents, so you should compare both in order to have the best chance of saving money. Some insurance companies don’t offer online price quotes and usually these small insurance companies provide coverage only through local independent agents.

Drivers switch companies for many reasons like denial of a claim, poor customer service, unfair underwriting practices or even extreme rates for teen drivers. It doesn’t matter why you want to switch finding the right insurance provider can be less work than you think.

For more information, take a look at the articles below: