2011 Saab 9-3 Insurance Quotes – 10 Ways to Save

Sick and tired of not being able to afford to pay your car insurance bill each month? You are no different than many other drivers. Drivers have so many insurers to insure vehicles with, and although it’s a good thing to have a choice, too many choices makes it more difficult to get the best deal.

This article will let you in on how car insurance quotes work and some money-saving tips. If you currently have car insurance, you will most likely be able to reduce your rates substantially using these techniques. Drivers just need to understand the best way to buy car insurance over the internet.

How to Get Auto Insurance

There are a lot of ways you can shop for auto insurance but some are less time-consuming than others. You can waste hours discussing policy coverages with insurance agencies in your area, or you can utilize the internet to achieve your goal.

Most of the larger companies enroll in a system that allows shoppers to submit one quote, and each participating company provides a quote for coverage. This saves time by eliminating form submissions for each company you want a rate for.

To submit your quote information now, click to open in new window.

The only downside to using this type of system is that consumers can’t choose the companies to get quotes from. If you wish to select specific insurance companies to compare prices, we put together a list of low cost auto insurance companies in your area. Click here for list of insurance companies.

It’s up to you which method you use, but make darn sure you compare apples-to-apples coverage limits and deductibles for every company. If you compare different liability limits it’s not possible to determine which rate is truly the best.

Don’t miss out on these ten money-saving discounts

Insurance can be prohibitively expensive, but there are discounts available that can drop the cost substantially. Most are applied when you purchase, but some must be specifically requested before they will apply. If you aren’t receiving every discount possible, you are paying more than you should be.

  • Multi-car Discount – Insuring more than one vehicle on one policy could earn a price break for each car.
  • Save with a New Car – Buying coverage on a new vehicle can save up to 30% since new cars are generally safer.
  • Discount for Good Grades – This discount can be rewarded with saving of up to 25%. Earning this discount can benefit you up to age 25.
  • Seat Belt Usage – Buckling up and requiring all passengers to use their safety belts can save 10% or more off your PIP or medical payments premium.
  • Life Insurance Discount – Some companies give lower rates if you buy life insurance from them.
  • No Charge for an Accident – Certain companies will allow you to have one accident before raising your premiums as long as you don’t have any claims for a particular time prior to the accident.
  • Drive Less and Save – Keeping the miles down on your Saab could be rewarded with discounted rates on garaged vehicles.
  • Anti-theft System – Vehicles with anti-theft systems are stolen less frequently and earn discounts up to 10%.
  • 55 and Retired – Older drivers can possibly qualify for reduced rates for 9-3 insurance.
  • Drivers Education – Have your child complete a driver education course in high school.

As a disclaimer on discounts, most discount credits are not given to the entire cost. Some only apply to the cost of specific coverages such as medical payments or collision. Just because it seems like you could get a free insurance coverage policy, you’re out of luck. But any discount will reduce the amount you have to pay.

Companies who might offer these money-saving discounts may include but are not limited to:

Before buying, ask every prospective company how you can save money. Savings might not be offered in your state.

Do I need special coverages?

When it comes to buying coverage, there is no perfect coverage plan. Everyone’s situation is unique and a cookie cutter policy won’t apply. Here are some questions about coverages that can aid in determining if you might need professional guidance.

  • Does my liability insurance cover pulling a trailer or camper?
  • Should I buy additional glass protection?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • Am I covered if I hit a deer?
  • Should I bundle my homeowners policy with my auto?
  • When does my teenage driver need to be added to my policy?
  • Should I get collision insurance on every vehicle?

If you can’t answer these questions but you think they might apply to your situation, then you may want to think about talking to a licensed insurance agent. If you want to speak to an agent in your area, 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.

Auto insurance coverages

Knowing the specifics of your policy helps when choosing which coverages you need and the correct deductibles and limits. The coverage terms in a policy can be ambiguous and reading a policy is terribly boring. These are typical coverages available from car insurance companies.

Collision coverage – This pays for damage to your 9-3 from colliding with another car or object. A deductible applies and then insurance will cover the remainder.

Collision coverage pays for things such as driving through your garage door, sideswiping another vehicle, sustaining damage from a pot hole, backing into a parked car and scraping a guard rail. This coverage can be expensive, so analyze the benefit of dropping coverage from lower value vehicles. Another option is to increase the deductible in order to get cheaper collision rates.

UM/UIM (Uninsured/Underinsured Motorist) coverage – This protects you and your vehicle from other motorists when they either are underinsured or have no liability coverage at all. This coverage pays for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Due to the fact that many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is very important. Frequently your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Comprehensive auto coverage – This coverage will pay to fix damage OTHER than collision with another vehicle or object. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for claims like vandalism, fire damage and theft. The most you’ll receive from a claim is the ACV or actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Medical payments and PIP coverage – Coverage for medical payments and/or PIP reimburse you for immediate expenses like chiropractic care, X-ray expenses and hospital visits. The coverages can be utilized in addition to your health insurance plan or if there is no health insurance coverage. They cover all vehicle occupants and also covers getting struck while a pedestrian. Personal injury protection coverage is not universally available but can be used in place of medical payments coverage

Liability car insurance – Liability insurance protects you from injuries or damage you cause to people or other property that is your fault. This insurance protects YOU against other people’s claims. It does not cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show limits of 50/100/50 which stand for $50,000 bodily injury coverage, $100,000 for the entire accident, and property damage coverage for $50,000. Another option is one limit called combined single limit (CSL) which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability can pay for claims such as pain and suffering, attorney fees, medical services, loss of income and repair bills for other people’s vehicles. How much coverage you buy is a personal decision, but you should buy as much as you can afford.

Spend less. Save more.

The cheapest 2011 Saab 9-3 insurance can be purchased online as well as from independent agents, so you should be comparing quotes from both to have the best rate selection. A few companies don’t offer the ability to get a quote online and many times these smaller companies only sell through independent insurance agents.

We covered a lot of techniques to get a better price on insurance. The key thing to remember is the more quotes you get, the higher the chance of saving money. You may even find the lowest rates come from the smaller companies. They often have lower prices on specific markets as compared to the big name companies such as Progressive or GEICO.

When shopping online for auto insurance, it’s a bad idea to reduce needed coverages to save money. In many instances, consumers will sacrifice liability coverage limits and learned later that the small savings ended up costing them much more. Your goal should be to buy the best coverage you can find at the best price.

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