High-priced Saab 9000 insurance can take a big chunk out of your checking account and put a big crunch on your finances.
Because there are so many car insurance companies to choose from, it can be challenging to pick a lower cost car insurance company.
Insurance can be prohibitively expensive, but you can get discounts to cut the cost considerably. Larger premium reductions will be automatically applied at the time of quoting, but lesser-known reductions have to be inquired about before being credited.
You can save money using discounts, but most credits do not apply to your bottom line cost. Most only apply to the cost of specific coverages such as medical payments or collision. Even though it appears all those discounts means the company will pay you, companies wouldn’t make money that way.
Popular insurance companies and a selection of discounts are:
It’s a good idea to ask every insurance company what discounts are available to you. Some discounts listed above might not apply everywhere.
There are several ways to shop for car insurance, but some are less labor-intensive and much quicker. You could spend the better part of a day discussing policy coverages with agents in your area, or you can stay home and use the internet to achieve your goal.
Most car insurance companies enroll in a system that enables customers to only type in their quote data once, and at least one company returns a rated price for coverage. This saves time by eliminating quote forms for each company.
To compare pricing click here to open in new window.
The only drawback to using this type of system is you cannot specify which companies you want pricing from. If you prefer to choose from a list of companies to compare, we have assembled a list of car insurance companies in your area. View list of insurance companies.
Compare rates however you want, just make sure you are using apples-to-apples coverage limits and deductibles with each company. If you are comparing different liability limits you will not be able to truly determine the lowest rate. Quoting even small variations in coverages could throw off the whole comparison. And when comparison shopping, comparing more quotes gives you a better chance of getting a better price. Some regional insurers cannot provide online rate quotes, so it’s recommended that you also compare quotes from them, too.
Many factors are part of the equation when you get a price on insurance. A few of the factors are predictable such as your driving history, although others are more obscure like where you live or how financially stable you are.
Listed below are some of the major factors used by insurance companies to determine your prices.
When choosing the best car insurance coverage for your personal vehicles, there is no perfect coverage plan. Every insured’s situation is different and your policy should reflect that. For example, these questions can aid in determining if your insurance needs might need an agent’s assistance.
If you can’t answer these questions, you might consider talking to an insurance agent. If you don’t have a local agent, complete this form or go to this page to view a list of companies.
Learning about specific coverages of your car insurance policy can help you determine the best coverages for your vehicles. The terms used in a policy can be confusing and even agents have difficulty translating policy wording. Below you’ll find typical coverage types offered by car insurance companies.
Coverage for medical payments – Personal Injury Protection (PIP) and medical payments coverage provide coverage for expenses such as ambulance fees, rehabilitation expenses, funeral costs and chiropractic care. They are often utilized in addition to your health insurance plan or if you do not have health coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants as well as getting struck while a pedestrian. PIP is not available in all states but it provides additional coverages not offered by medical payments coverage
Liability coverages – This coverage protects you from injuries or damage you cause to a person or their property in an accident. It protects YOU against claims from other people, and does not provide coverage for your own vehicle damage or injuries.
Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see policy limits of 50/100/50 which stand for a limit of $50,000 per injured person, $100,000 for the entire accident, and property damage coverage for $50,000. Another option is one number which is a combined single limit that pays claims from the same limit and claims can be made without the split limit restrictions.
Liability coverage pays for claims such as pain and suffering, medical expenses, legal defense fees and court costs. How much liability should you purchase? That is a decision to put some thought into, but consider buying as large an amount as possible.
Comprehensive coverages – This pays to fix your vehicle from damage from a wide range of events other than collision. A deductible will apply then your comprehensive coverage will pay.
Comprehensive insurance covers claims such as damage from getting keyed, a broken windshield, a tree branch falling on your vehicle, falling objects and rock chips in glass. The most you’ll receive from a claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.
Uninsured and underinsured coverage – Your UM/UIM coverage provides protection from other motorists when they either are underinsured or have no liability coverage at all. Covered claims include injuries to you and your family as well as your vehicle’s damage.
Because many people only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage should not be overlooked. Normally your uninsured/underinsured motorist coverages are set the same as your liablity limits.
Collision – Collision coverage will pay to fix damage to your 9000 resulting from a collision with another vehicle or an object, but not an animal. A deductible applies and the rest of the damage will be paid by collision coverage.
Collision insurance covers things such as damaging your car on a curb, rolling your car and sustaining damage from a pot hole. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are older. Drivers also have the option to raise the deductible to get cheaper collision coverage.
As you shop your coverage around, it’s not a good idea to sacrifice coverage to reduce premiums. In many cases, an insured cut comprehensive coverage or liability limits only to discover later that the small savings ended up costing them much more. Your aim should be to purchase a proper amount of coverage at an affordable rate and still be able to protect your assets.
We just showed you a lot of information how to compare 1997 Saab 9000 insurance prices online. It’s most important to understand that the more providers you compare, the more likely it is that you will get a better rate. You may even find the lowest priced car insurance comes from a lesser-known regional company. They may cover specific market segments cheaper than the large multi-state companies such as State Farm and Allstate.
Additional detailed information is located by following these links:
Maryetta Fitzpatrick
Will Allstate raise rates after an accident?
Quinn Vazquez
Located in Saint Louis, MO. Received rates from Travelers, AIG Insurance, The General, and Sentry for my Saab and saved $107 a year. Left Western Auto Insurance to switch. I get multi-vehicle and multi-policy discounts. I just quoted rates online.
Nakita Odom
When should I drop comp and collision?
Rosanna Cross
Anyone buy from American Family? I’m in Charlotte, North Carolina.
Thurman Hickman
If you have a clean record and are close to Sioux Falls, South Dakota, check out Allstate. They seem to be cheaper. Was with Eastwood. I get multi-vehicle and multi-policy discounts. Not sure if rates are cheaper online or through an agent. I just carry liability insurance.
Rhiannon George
Like your site, BTW. Proud to be from Henderson, Nevada. Quoted prices from Mercury, Eastwood, GEICO, and Auto-Owners for my Saab and I think I am saving around $30 each month. Thankfully I’m not a high risk driver. Online quotes are the way to go. Anyone else drop full coverage?
Remedios Estes
This is too expensive. Live in Virginia Beach, VA. Quoted rates from Auto-Owners, Erie, and MetLife for my 1997 Saab 9000 and I’m now saving $16 a month. I have a couple other vehicles on the policy. LOL My 9000 doesn’t have full coverage.
Jackelyn Barlow
I’m from Tacoma, WA. Received rates from Mercury, Erie, State Farm, and Amica for my 9000 and I think I saved about $20 each month. My new agent seems to be really good. Just liability coverage since it’s getting old.
Elenora Huffman
Lots of good stuff here. From east side of Sioux Falls, SD. Quoted rates from Progressive, Encompass, and The General for my 1997 Saab 9000 and I’m now saving $13 a month. It never hurts to quote around. Anyone else drop full coverage?
Kellee Zamora
If you don’t have tickets and live around Knoxville, TN, check out 21st Century. You might get cheaper rates. I get multi-vehicle and multi-policy discounts. My 9000 doesn’t have full coverage.
Bernarda Ware
Mine is so expensive. I live just outside Burlington, VT. Compared quite a few companies. Saved roughly $20 a month. Allstate was the most affordable for me. Was with AAA. My new agent seems to be really good. Wish I didn’t have to insure at all.
Lang Lopez
Good detail in your article. I live on the west side of Pittsburgh, PA. Got free quotes online for a 1997 Saab 9000. Ended up at about $70 savings annually. Went with Allstate. I don’t have comp or collision coverage.
Chung Patel
I’m in the suburbs of Henderson, Nevada. I quoted with 21st Century, GMAC, and Erie for my 1997 Saab 9000 and I think I saved around $30 each month. Good savings if you bundle. I recommend comparing lots of rates.
Sharmaine Molina
I’m in the suburbs of Columbus, Georgia. Can’t remember who all I quoted but I ended up saving about $20 each month. Just go online and compare their rates.