1991 Saab 900 Insurance Rates

Searching for lower insurance coverage rates for your Saab 900? Pretty sure you bought overpriced insurance coverage? Trust us when we tell you there are many consumers feeling the pinch from expensive insurance coverage.

Big-name insurance companies like Geico, Farmers Insurance and State Farm all promote huge savings with catchy ads and consumers find it hard to see past the geckos and flying pigs and take the time to shop coverage around.

It’s a great practice to do rate comparisons quite often since prices are adjusted regularly by insurance companies. Despite the fact that you may have had the lowest rates on 900 insurance at your last renewal there may be better deals available now. Block out anything you think you know about insurance coverage because I’m going to let you in on the secrets to the right way to properly buy coverages while reducing your premium.

If you are paying for car insurance now, you will most likely be able to lower your premiums substantially using these techniques. Choosing the best insurance company for you is easy if you know what you’re doing. Nevertheless, vehicle owners benefit from understanding the methods companies use to compete online and use this information to your advantage.

Learn how to buy insurance coverage cheaper

It’s important that you understand some of the elements that go into determining the price you pay for insurance coverage. If you have some idea of what positively or negatively impacts your premiums, this enables you to make decisions that can help you get lower premium levels.

• Teenagers vs. experienced drivers – Teen drivers are proven to be careless and easily distracted when driving therefore insurance coverage rates are much higher. Having to add a beginning driver to your policy can be very expensive. Mature drivers tend to be more responsible, tend to cause fewer accidents and are safer drivers.
• Marriage equates to better premiums – Getting married may cut your premiums on your policy. It usually means you are more financially stable and insurance companies reward insureds because married drivers tend to file fewer claims.
• Only buy what you need – Insurance companies have many extra coverages you can purchase when buying insurance coverage. Coverages for rental car coverage, towing coverage, and membership fees are examples of these. They may seem good when buying your policy, but your money might be better spent on other coverage so remove them from your policy.
• Do you work long hours in a high stress job? – Jobs like judges, executives and financial analysts tend to pay higher rates than the rest of us attributed to intense work-related stress and extremely grueling work hours. On the flip side, occupations like farmers, athletes and performers receive lower rates on 900 insurance.
• Frequent insurance coverage claims increase insurance coverage rates – Car insurance companies give most affordable rates to drivers who do not file claims often. If you tend to file frequent claims, you can definitely plan on either higher rates or even cancellation. Your car insurance is intended for the large, substantial claims.
• Better insurance coverage rates with anti-theft devices – Owning a car with anti-theft technology or alarm system can save you some money. Advanced theft deterrents like GM’s OnStar, tamper alarm systems and vehicle immobilizers help track and prevent car theft.
• Where do you drive? – The more you drive your Saab in a year the more you’ll pay to insure it. Almost all companies price each vehicle’s coverage based upon how much you drive. Cars not used for work or commuting get more affordable rates than those that get driven frequently. Improper usage on your 900 may be wasting your money. It’s a good idea to make sure your insurance coverage policy reflects how each vehicle is driven, because improper ratings can cost you money.
• Insurance rates in urban areas – Choosing to live in smaller towns and rural areas of the country may provide you with better prices if you are looking for the lowest rates. Less people living in that area translates into fewer accidents. Residents of big cities regularly have more road rage incidents and more severe claims. Higher commute times statistically corresponds to a higher accident and claim rate.

The best way to compare insurance rates in your area is to know the trick most of the bigger providers allow for online access to quote your coverage. The only thing you need to do is provide a small amount of information like how much education you have, how your vehicles are used, driver details, and whether your vehicle is owned or leased. That rating information is automatically sent to insurance companies and you should receive rate quotes almost instantly.

To get price quotes for your Saab 900 now, click here and find out if lower rates are available.

You may qualify for discounts

Car insurance is easily one of your largest bills, but you may qualify for discounts that you may not even be aware of. Certain discounts will be triggered automatically at the time of purchase, but some need to be asked for before you will receive the discount.

• Anti-lock Brakes – Anti-lock brake equipped vehicles are much safer to drive and will save you 10% or more.
• Accident-Free Discounts – Good drivers with no accidents can save substantially as opposed to policyholders that have many claims.
• Pay Upfront and Save – If you pay your entire premium ahead of time as opposed to paying monthly you could save up to 5%.
• Drive Safe and Save – Drivers without accidents can pay as much as 50% less on 900 insurance compared to accident prone drivers.
• Government Employee Discount – Employees or retirees of the government could qualify for a slight premium decrease on 900 insurance depending on your car insurance provider.
• Bundled Policy Discount – When you combine your auto and homeowners insurance and insure them both with the same insurance company you will save as much as 10 to 15 percent.
• Online Discount – Some larger companies provide a small discount for buying a policy and signing up digitally online.
• Discount for Good Grades – This discount may save you up to 25%. The discount lasts up until you turn 25.
• Passive Restraints – Cars that have air bags or motorized seat belts may earn rate discounts of more than 20%.
• Distant Student – Children who live away from home at college and do not take a car to college could get you a discount.

A little note about advertised discounts, some credits don’t apply to your bottom line cost. Most only cut specific coverage prices like medical payments or collision. So even though you would think all those discounts means the company will pay you, nobody gets a free ride.

A few of the larger companies and their offered discounts are detailed below.

• Progressive may have discounts that include multi-vehicle, online quote discount, good student, continuous coverage, online signing, multi-policy, and homeowner.
• AAA offers discounts including multi-car, AAA membership discount, good driver, multi-policy, pay-in-full, anti-theft, and education and occupation.
• Farmers Insurance has savings for early shopping, pay in full, alternative fuel, teen driver, homeowner, and good student.
• Geico offers premium reductions for five-year accident-free, daytime running lights, anti-lock brakes, multi-policy, seat belt use, and federal employee.
• Esurance policyholders can earn discounts including multi-car, anti-lock brakes, claim free, defensive driver, homeowner, and online quote.
• SAFECO may offer discounts for drive less, anti-theft, accident prevention training, teen safety rewards, and teen safe driver.
• State Farm offers discounts for defensive driving training, multiple policy, anti-theft, good student, and Steer Clear safe driver discount.

When getting a coverage quote, ask every company which discounts they offer. All car insurance discounts might not be available to policyholders in your area. To locate providers with discount rates, click here.

There’s no such thing as the perfect insurance coverage policy

When it comes to buying adequate coverage, there really is no one size fits all plan. Every situation is different so your insurance should reflect that For instance, these questions might point out whether or not you might need professional guidance.

• What is high-risk coverage and where do I buy it?
• How much liability insurance is required?
• Is other people’s property covered if stolen from my vehicle?
• What is PIP insurance?
• Where can I find DUI or SR-22 insurance?
• Is my business laptop covered if it gets stolen from my vehicle?
• Am I better off with higher deductibles on my 1991 Saab 900?
• What can I do if my company denied a claim?
• What is UM/UIM insurance?
• How much liability do I need to cover my assets?

If you don’t know the answers to these questions but you know they apply to you, then you may want to think about talking to a licensed insurance agent. If you don’t have a local agent, fill out this quick form or you can go here for a list of companies in your area.

Insurance policy coverages for a Saab 900

Having a good grasp of your policy aids in choosing appropriate coverage at the best deductibles and correct limits. The coverage terms in a policy can be difficult to understand and coverage can change by endorsement. Listed below are the usual coverages found on the average insurance policy.

Medical payments coverage and PIP – Med pay and PIP coverage kick in for immediate expenses such as prosthetic devices, X-ray expenses, EMT expenses and chiropractic care. They are utilized in addition to your health insurance policy or if you are not covered by health insurance. They cover you and your occupants and will also cover if you are hit as a while walking down the street. PIP is not an option in every state and gives slightly broader coverage than med pay

Comprehensive coverage – This coverage covers 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 insurance covers claims like a broken windshield, hitting a bird and a tree branch falling on your vehicle. The highest amount you’ll receive from a claim is the actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Auto liability – This provides protection from injuries or damage you cause to people or other property that is your fault. It protects YOU against claims from other people, and does not provide coverage for damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have policy limits of 25/50/25 which means a $25,000 limit per person for injuries, $50,000 for the entire accident, and a limit of $25,000 paid for damaged property. Some companies may use a combined limit which provides one coverage limit rather than limiting it on a per person basis.

Liability insurance covers claims such as pain and suffering, repair bills for other people’s vehicles, structural damage and legal defense fees. The amount of liability coverage you purchase is a personal decision, but it’s cheap coverage so purchase as high a limit as you can afford.

Collision coverages – This coverage pays for damage to your 900 resulting from colliding with a stationary object or other vehicle. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for things such as colliding with another moving vehicle, sideswiping another vehicle, sustaining damage from a pot hole, crashing into a ditch and rolling your car. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are 8 years or older. You can also raise the deductible in order to get cheaper collision rates.

Uninsured/Underinsured Motorist coverage – This gives you protection when other motorists either are underinsured or have no liability coverage at all. Covered claims include injuries to you and your family as well as damage to your Saab 900.

Since a lot of drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Normally the UM/UIM limits are identical to your policy’s liability coverage.

And the best car insurance company is…

When getting car insurance quotes online, do not skimp on critical coverages to save a buck or two. There have been many cases where consumers will sacrifice uninsured motorist or liability limits and learned later that the small savings ended up costing them much more. Your goal is to buy the best coverage you can find for the lowest cost while still protecting your assets.

More affordable insurance is definitely available both online in addition to many insurance agents, and you should compare rates from both to get a complete price analysis. Some insurance companies may not offer rate quotes online and usually these small, regional companies only sell coverage through independent agents.

For more information, feel free to visit the following helpful articles:

• Safety Belts FAQ (iihs.org)
• Five Mistakes to Avoid (Insurance Information Insitute)
• Parking Tips to Reduce Door Dings (State Farm)
• How Much Auto Coverage do I Need? (Insurance Information Insitute)
• Five Tips to Save on Auto Insurance (Insurance Information Insitute)