Save on 1994 Saab 900 Insurance Cost

Trying to find cheaper insurance rates for your Saab 900? If you are new to online insurance, it’s easy to be overwhelmed by the diversity insurance agents and companies who claim to have the best insurance rates.

You need to shop coverage around every six months since prices are rarely the same from one policy term to another. Even if you think you had the best deal on 900 insurance on your last policy you can probably find a better rate now. Block out anything you think you know about insurance because we’re going to demonstrate how to use the internet to lower your rates without sacrificing coverage.

Find discounts to get cheap insurance quotes

Car insurance is not cheap, but there could be available discounts that many people don’t even know exist. Certain reductions will be credited when you purchase, but some need to be inquired about before being credited.

  • Homeowners Savings – Being a homeowner may trigger a policy discount on insurance due to the fact that maintaining a home is proof of financial responsibility.
  • No Accidents – Drivers with accident-free driving histories are rewarded with significantly better rates on auto insurance quote as compared to drivers who are more careless.
  • ABS and Traction Control Discounts – Cars with ABS and/or traction control can avoid accidents and earn discounts up to 10%.
  • Safe Driver Discounts – Insureds who avoid accidents can save up to 40% or more on their auto insurance quote on 900 insurance compared to rates paid by drivers with frequent claims.
  • Paper-free Discount – Certain insurance companies provide a small discount for buying your policy on your computer.
  • Telematics Discount – Drivers that enable their insurance company to spy on vehicle usage by using a small device installed in their vehicle such as Progressive’s Snapshot may get a rate reduction if they show good driving skills.

It’s important to note that some of the credits will not apply to the entire cost. Some only reduce individual premiums such as comprehensive or collision. So when it seems like you can get free auto insurance, it doesn’t quite work that way.

Companies who may offer some of the discounts shown above include:

It’s a good idea to ask each company or agent which discounts you qualify for. Savings may not be available in your area. If you would like to see a list of insurance companies who offer cheap insurance quotes, follow this link.

Shop auto insurance online

There are a variety of methods to shop for auto insurance, and some are less labor-intensive and much quicker. You can waste a few hours (or days) discussing policy coverages with local insurance agents in your area, or you can utilize the web to achieve your goal.

Many insurance companies take part in a program that allows shoppers to submit their information once, and every company can provide price quotes. This saves time by eliminating quote forms for each company.

To find out what other companies charge click to open in new window.

The one downside to getting quotes like this is that you can’t choose the providers you want to price. If you wish to select specific providers for rate comparison, we have a page of companies who write auto insurance in your area. Click here for list of insurance companies.

You can choose any of those ways to find more affodable coverage, but double check that you are using apples-to-apples coverage information for each comparison quote. If your comparisons have different liability limits you will not be able to make a fair comparison for your Saab 900. Slightly different coverage limits may result in a large different in cost. And when quoting auto insurance, remember that comparing more quotes will increase your chances of finding the best offered rates.

Tailor your car insurance coverage to you

When buying the right insurance coverage for your personal vehicles, there isn’t really a “perfect” insurance plan. Every insured’s situation is different.

For example, these questions can help discover whether your personal situation will benefit from professional help.

  • Is my babysitter covered when using my vehicle?
  • Do I have coverage when pulling a U-Haul trailer?
  • What is the rate difference between pleasure use and commuting?
  • Am I covered when delivering products for my home-based business?
  • Do I need an umbrella policy?
  • What is the difference between comprehensive and collision coverage?
  • Does coverage extend to Mexico or Canada?
  • Is my custom paint covered by insurance?
  • What if I total my 1994 Saab 900 and owe more than it’s worth?

If you can’t answer these questions but you think they might apply to your situation, you might consider talking to an insurance agent. To find lower rates from a local agent, fill out this quick form.

Educate yourself about insurance coverages

Understanding the coverages of insurance can be of help when determining the right coverages and proper limits and deductibles. Insurance terms can be ambiguous and even agents have difficulty translating policy wording.

Liability car insurance – This protects you from damage that occurs to a person or their property. It protects YOU against claims from other people, and does not provide coverage for damage sustained by your vehicle in an accident.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show liability limits of 25/50/25 that translate to $25,000 bodily injury coverage, $50,000 for the entire accident, and a total limit of $25,000 for damage to vehicles and property. Another option is a combined limit which limits claims to one amount without having the split limit caps.

Liability coverage pays for things like medical expenses, court costs, loss of income, attorney fees and medical services. How much liability should you purchase? That is up to you, but consider buying as high a limit as you can afford.

Uninsured/Underinsured Motorist (UM/UIM) – Uninsured or Underinsured Motorist coverage gives you protection when the “other guys” are uninsured or don’t have enough coverage. This coverage pays for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since a lot of drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage should not be overlooked. Most of the time these coverages are identical to your policy’s liability coverage.

Collision coverages – Collision insurance pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You will need to pay your deductible and then insurance will cover the remainder.

Collision insurance covers things such as crashing into a building, rolling your car, backing into a parked car, sustaining damage from a pot hole and sideswiping another vehicle. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are 8 years or older. It’s also possible to raise the deductible to save money on collision insurance.

Comprehensive insurance – This coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims such as fire damage, a tree branch falling on your vehicle, hitting a deer and damage from getting keyed. The maximum amount you can receive from a comprehensive claim is the actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Med pay and Personal Injury Protection (PIP) – Medical payments and Personal Injury Protection insurance pay for immediate expenses for things like dental work, EMT expenses, X-ray expenses, pain medications and ambulance fees. They are often used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. Coverage applies to both the driver and occupants and also covers getting struck while a pedestrian. PIP is not available in all states and gives slightly broader coverage than med pay

Saving money makes a lot of cents

As you quote auto insurance, it’s a bad idea to buy poor coverage just to save money. There are too many instances where consumers will sacrifice physical damage coverage and found out when filing a claim that the few dollars in savings costed them thousands. The ultimate goal is to purchase a proper amount of coverage for the lowest price but still have enough coverage for asset protection.

We just presented some good ideas how you can lower your 1994 Saab 900 insurance prices. It’s most important to understand that the more rate comparisons you have, the better chance you’ll have of finding low cost auto insurance. You may be surprised to find that the best price on car insurance is with a smaller regional carrier.

Consumers leave their current company for a variety of reasons including poor customer service, extreme rates for teen drivers, lack of trust in their agent or even not issuing a premium refund. It doesn’t matter what your reason, finding a great new company is pretty simple and you could end up saving a buck or two.

For more information, feel free to browse the resources below:

Comments About 1994 Saab 900 Insurance

  1. Gertrud Holder

    IT’S ALL TOO EXPENSIVE! I’m from Juneau, Alaska. I don’t recall every quote but I ended up saving about $30 each month. LOL Book value doesn’t justify full coverage anymore.

  2. Tamar Pugh

    Got pretty cheap 1994 Saab 900 insurance from GEICO in Columbus, GA.

  3. Augustine Rose

    Anyone compare GEICO and State Farm rates in Little Rock, AR?

  4. Lavonia Ortiz

    I’m in the south part of Charleston, WV. Quoted rates from MetLife, Eastwood, Allstate, and AIG Insurance for my 900 and saved around $80 a year.

  5. Markita Morales

    In Fort Wayne, IN, AAA had the best rates for my 1994 Saab 900. Switched homeowners coverage too. I got prices on the web. When should I drop full coverage?

  6. Jacque Bonner

    From a town just southwest of Lexington, KY. I got free quotes from Travelers, AIG Insurance, The General, and Mercury for my 900 and saved $64 a year. Insured with Esurance before. Have an at-fault accident tho. Just liability coverage since it’s getting old.

  7. Adella Hartman

    Proud to be from Jackson, MS, and State Farm rates were best. Was with AAA. They have a lot of discounts available. Still almost need a second mortgage. I just carry liability insurance.

  8. Tesha Buchanan

    Hope my rates come down. From a town just southwest of Tacoma, WA. Received quotes with Safeco, Eastwood, 21st Century, and American Family for my Saab and saved just over $100 a year. Was with Farmers. When should I drop full coverage?

  9. Alix Simon

    Corporate greed I’m telling you. I’m in the west part of Little Rock, AR. Not sure of all the companies but I ended up saving about $20 each month. I have a teen driver too. I used their online quote form to compare rates. I don’t have comp or collision coverage.

  10. Tona Kirby

    Is GEICO or Allstate cheaper in Hartford, Connecticut?

  11. Juli Dudley

    Cheaper car insurance is a myth. I’m just east of Overland Park, Kansas. I got free rates from Allstate, Farmers, and Liberty Mutual for my 900 and saved around $100 a year. Left Liberty Mutual to switch. Just go online and compare their rates. I just carry liability insurance.

  12. Felicidad Davenport

    Does Allstate offer good discounts?