1996 Saab 900 Insurance Cost – 7 Policy Discounts

Want the cheapest insurance rates for your Saab 900? Are you tired of being strong-armed to make your insurance payment? You are in the same boat as the majority of other drivers. Popular companies such as State Farm, Progressive and Geico all claim big savings with ad campaigns and it is challenging if not impossible to not get sucked in by the cute commercials and find the best price available.

Consumers should take time to quote other rates occasionally due to the fact that insurance prices trend upward over time. Despite the fact that you may have had the best deal on 900 insurance at your last renewal you will most likely find a better rate quote today. Ignore everything you know about insurance because you’re going to learn one of the quickest ways to properly buy coverages and cut your premium.

If you have a policy now or are just looking to switch companies, you can follow these tips to reduce the price you pay while maximizing coverage. Choosing the best insurance company for you is not that difficult. Consumers only need to know how to buy insurance online.

How to shop insurance coverage online

Getting a more affordable price on 1996 Saab 900 insurance can be quick and easy. You just have to invest a little time getting comparison quotes from some recommended companies. This can be accomplished in a couple of different ways.

The first (and easiest) way consumers can analyze rates is to use a rate comparison form like this one (opens in new window). This form prevents you from having to do multiple quote forms to each individual insurance coverage company. Filling out one form gets coverage cost estimates from multiple low-cost companies.

Another way to analyze rates requires a trip to the website for every company you want to comare and request a quote. For sake of this example, let’s say you are doing a rate comparison from Farmers, Safeco and Allstate. To find out each rate you need to navigate to each company’s site and repeatedly type in your coverage information, which can get old fast. To view a list of companies in your area, click here.

It’s your choice how you get your quotes, but try to use equivalent quote information with each company. If you have different limits and deductibles on each one it will be nearly impossible to determine which company has the best rates.

Tailor your insurance coverage coverage to you

When it comes to choosing proper insurance coverage, there really is no “perfect” insurance plan. Everyone’s situation is a little different and your policy should reflect that. For instance, these questions could help you determine if you would benefit from an agent’s advice.

• Am I insured when driving a different vehicle?
• Can I make deliveries for my home business?
• What is medical payments coverage?
• What can I do if my company denied a claim?
• Do I have coverage when pulling a U-Haul trailer?
• Do I have coverage if my license is suspended?
• Does coverage extend to my business vehicle?

If you don’t know the answers to these questions but one or more may apply to you, you may need to chat with 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, free and can help protect your family.

Insurance coverages explained

Knowing the specifics of your insurance policy can help you determine the right coverages at the best deductibles and correct limits. The coverage terms in a policy can be difficult to understand and reading a policy is terribly boring. Shown next are typical coverage types available from insurance companies.

Coverage for liability – Liability coverage will cover damages or injuries you inflict on people or other property by causing an accident. This insurance protects YOU against other people’s claims, and doesn’t cover damage to your own property or vehicle.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see values of 25/50/25 which stand for $25,000 in coverage for each person’s injuries, a per accident bodily injury limit of $50,000, and a limit of $25,000 paid for damaged property. Some companies may use one limit called combined single limit (CSL) which combines the three limits into one amount without having the split limit caps.

Liability coverage pays for things like funeral expenses, bail bonds, loss of income and pain and suffering. How much liability should you purchase? That is your choice, but consider buying higher limits if possible.

Comprehensive protection – This covers damage from a wide range of events other than collision. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for claims like damage from a tornado or hurricane, a broken windshield, falling objects, damage from flooding and vandalism. The maximum amount your insurance company will pay is the actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Collision – Collision insurance will pay to fix damage to your 900 caused by collision with another vehicle or an object, but not an animal. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage pays for claims like hitting a parking meter, backing into a parked car, driving through your garage door, scraping a guard rail and sustaining damage from a pot hole. Collision is rather expensive coverage, so consider removing coverage from vehicles that are 8 years or older. It’s also possible to choose a higher deductible to save money on collision insurance.

Uninsured or underinsured coverage – This gives you protection when other motorists are uninsured or don’t have enough coverage. Covered claims include hospital bills for your injuries as well as your vehicle’s damage.

Since many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. So UM/UIM coverage should not be overlooked. Usually these limits are identical to your policy’s liability coverage.

Medical expense coverage – Coverage for medical payments and/or PIP reimburse you for short-term medical expenses for dental work, doctor visits, funeral costs, prosthetic devices and chiropractic care. They are used to cover expenses not covered by your health insurance program or if you are not covered by health insurance. Medical payments and PIP cover all vehicle occupants and will also cover if you are hit as a while walking down the street. Personal Injury Protection is only offered in select states and gives slightly broader coverage than med pay