1997 Saab 900 Insurance Rates

Consumers who just recently started comparing auto insurance rates on the web are likely to find locating low cost insurance coverage can be quite challenging.

You should make it a habit to compare rates quite often because insurance prices tend to go up over time. Even if you got the lowest rates on 900 coverage on your last policy you can probably find a better rate quote now. There is a lot of bad advice regarding auto insurance on the internet, but in this article, you’re going to get the easiest ways to lower your auto insurance rates.

How to get the cheapest auto insurance

Comparing auto insurance rates can be exhausting if you don’t utilize the fastest way to get free quotes. You can spend your afternoon driving to local insurance agents in your area, or you could use the internet for quick rates.

Most car insurance companies are enrolled in a marketplace that enables customers to submit their information once, and at least one company can give them a price based on the submitted data. This prevents consumers from doing quote requests to each company.

To compare rates using this form now click here to open in new window.

The single downside to getting quotes like this is you don’t know exactly which carriers to receive prices from. If you would rather choose individual companies to receive pricing from, we have assembled a list of companies who write auto insurance in your area. Click to view list.

Whichever way you choose to compare rates, be sure to compare nearly identical quote data for every quote you compare. If the quotes have different deductibles it will be nearly impossible to get a fair rate comparison. Just slight variations in coverage limits could mean much higher rates. Just remember that comparing more quotes provides better odds of finding the best offered rates.

Tailor your insurance coverage to you

When it comes to choosing the right insurance coverage, there isn’t really a “perfect” insurance plan. Everyone’s needs are different.

For instance, these questions can aid in determining if you may require specific advice.

  • What if I total my 1997 Saab 900 and owe more than it’s worth?
  • What is high-risk coverage and where do I buy it?
  • How can I get high-risk coverage after a DUI?
  • Which companies will insure high-risk drivers?
  • What is the minimum liability in my state?
  • Does my liability insurance cover pulling a trailer or camper?
  • Do I need special endorsements for business use of my vehicle?
  • Are split liability limits better than a combined single limit?

If you can’t answer these questions but one or more may apply to you, then you may want to think about talking to an insurance agent. To find an agent in your area, complete this form.

Specific coverages for a 1997 Saab 900

Learning about specific coverages of your insurance policy helps when choosing the right coverages at the best deductibles and correct limits. Insurance terms can be impossible to understand and even agents have difficulty translating policy wording.

Collision coverage – Collision coverage pays to fix your vehicle from damage resulting from colliding with another car or object. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things like hitting a parking meter, colliding with another moving vehicle, crashing into a building and sideswiping another vehicle. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are 8 years or older. Another option is to choose a higher deductible to get cheaper collision coverage.

Uninsured and underinsured coverage – This coverage provides protection from other motorists when they do not carry enough liability coverage. Covered losses include injuries sustained by your vehicle’s occupants as well as damage to your Saab 900.

Because many people only purchase the least amount of liability that is required, their limits can quickly be used up. So UM/UIM coverage is a good idea. Frequently your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

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

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see policy limits of 25/50/25 which means a limit of $25,000 per injured person, a total of $50,000 of bodily injury coverage per accident, and a limit of $25,000 paid for damaged property. Some companies may use a combined limit which combines the three limits into one amount without having the split limit caps.

Liability coverage protects against things such as attorney fees, emergency aid, bail bonds, court costs and repair bills for other people’s vehicles. How much liability coverage do you need? That is a personal decision, but you should buy as large an amount as possible.

Coverage for medical payments – Personal Injury Protection (PIP) and medical payments coverage provide coverage for expenses for nursing services, doctor visits and rehabilitation expenses. They are used in conjunction with a health insurance policy or if you lack health insurance entirely. Coverage applies to not only the driver but also the vehicle occupants and will also cover if you are hit as a while walking down the street. Personal Injury Protection is not an option in every state but can be used in place of medical payments coverage

Comprehensive coverages – Comprehensive insurance will pay to fix damage OTHER than collision with another vehicle or object. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things like hitting a deer, a broken windshield, fire damage, damage from getting keyed and hail damage. The maximum payout your insurance company will pay is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Comments About 1997 Saab 900 Insurance

  1. Rhea Porter

    I live on the north side of Nashville, TN. Received quotes from American Family, Nationwide, and USAA for my Saab and saved around $60 a year. Was with Hanover. I just carry liability insurance.

  2. Wai Garrett

    Just my two cents. I live just to the east of Denver, Colorado. Quoted with State Farm, Erie, and Hartford for my 900 and saved $89 a year. Just waiting to see how claims go. Liability only on my Saab.

  3. Piper Mckee

    I found pretty cheap rate quotes for a 1997 Saab 900 in Idaho Falls, ID. Ended up at darn near $110 every six months with Auto-Owners. Left Liberty Mutual to switch. I’m a pretty good driver though.

  4. Shanon Fowler

    Where is cheaper car insurance? I live on the west side of Kansas City, Kansas. Checked online prices for a 1997 Saab 900. Ended up at about $90 savings annually. Went with Allstate. Insured with USAA before. It’s still not cheap enough. It’s only liability tho.

  5. Conchita Kerr

    I’m in the suburbs of Missoula, MT and for me Progressive had the lowest quote. Just go online and compare their rates.

  6. Kasie Salinas

    Progressive has the cheapest rates in Montana. No comparison.