Cheaper 1998 Saab 900 Insurance Rates

Looking for better auto insurance rates for your Saab 900? Being forced to pay for pricey auto insurance premiums can draw down your bank account and make it impossible to make ends meet. Comparing price quotes can lower your rates and help to make ends meet.

You have multiple insurance companies to choose from, and although it’s nice to have multiple companies, it can be more difficult to find the lowest rates.

Get cheaper insurance rates with discounts

Insurance can be pricey, but you may be missing some discounts that can help lower your rates. A few discounts will automatically apply when you quote, but lesser-known reductions have to be specifically requested before they will apply. If they aren’t giving you every credit you qualify for, you may be paying too high a price.

  • Professional Organizations – Being a member of certain professional organizations could earn you a nice discount on your bill.
  • Senior Citizen Discount – If you qualify as a senior citizen, you are able to get reduced rates on 900 coverage.
  • Multi-Vehicle Discounts – Having primary and secondary vehicles on one policy may reduce the rate for each vehicle.
  • Government Employee Discount – Being employed by or retired from a federal job could cut as much as 10% off on 900 coverage with certain companies.
  • Own a Home – Owning a house can earn you a little savings since home ownership is proof that your finances are in order.
  • Defensive Driver Discount – Passing a defensive driver class could save 5% or more if your company offers it.
  • Seat Belts Save more than Lives – Requiring all passengers to buckle their seat belts could save 15% on medical payment and PIP coverage.

While discounts sound great, it’s important to understand that most discounts do not apply to your bottom line cost. Most only apply to the price of certain insurance coverages like liability, collision or medical payments. So even though it sounds like you could get a free insurance policy, companies wouldn’t make money that way.

For a list of providers with the best insurance discounts, click here.

Tailor your insurance coverage coverage to you

When choosing adequate coverage for your personal vehicles, there isn’t really a best way to insure your cars. Everyone’s needs are different and your policy should reflect that. For example, these questions could help you determine if you would benefit from professional advice.

  • Are split liability limits better than a combined single limit?
  • Can I afford to pay high deductible claims out of pocket?
  • Can I get a multi-policy discount?
  • What is the minimum liability in my state?
  • Should I carry comprehensive and collision coverage?
  • Should I waive the damage coverage when renting a car?
  • Am I covered when driving on a suspended license?

If you can’t answer these questions but a few of them apply then you might want to talk to an agent. If you want to speak to an agent in your area, simply complete this short form or click here for a list of insurance coverage companies in your area.

Are insurance companies telling the truth?

Insurance companies such as 21st Century, Allstate and State Farm continually stream television, radio, and online ads. All the ads convey the message that people will save if you just switch to their company. How can each company charge lower premium rates? Just pay attention to how they say it.

All the different companies have specific guidelines for the type of insured that earns them the highest profit. For instance, this type of driver could be between the ages of 40 and 55, has a clear driving record, and has a short commute. Any person who matches that profile receive the lowest rate quotes and as a result will probably cut their rates substantially.

Drivers who fall outside these stringent criteria may receive more expensive rates and this can result in the customer buying from a different company. The wording the ads use say “drivers who switch” not “everyone that quotes” will save that much if they switch. That’s the way insurance companies can confidently make it sound like they have such great premium rates. Because of the profiling, it is so important to compare quotes as often as possible. Because without a comparison, you cannot know with any certainty which company will have better car insurance rates than you’re paying now.

Specifics of your insurance policy

Understanding the coverages of insurance can help you determine the best coverages and the correct deductibles and limits. The terms used in a policy can be ambiguous and coverage can change by endorsement. Shown next are the usual coverages available from insurance companies.

Uninsured and underinsured coverage

This provides protection from other motorists when they either are underinsured or have no liability coverage at all. This coverage pays for medical payments for you and your occupants and damage to your 1998 Saab 900.

Due to the fact that many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. So UM/UIM coverage is very important.

Liability insurance

This provides protection from damage or injury you incur to other people or property in an accident. This coverage protects you from claims by other people, and doesn’t cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see liability limits of 50/100/50 which means $50,000 bodily injury coverage, a total of $100,000 of bodily injury coverage per accident, and a total limit of $50,000 for damage to vehicles and property.

Liability insurance covers things such as loss of income, medical services, structural damage and pain and suffering. How much coverage you buy is a decision to put some thought into, but consider buying as large an amount as possible.

Comprehensive coverages

Comprehensive insurance pays for damage OTHER than collision with another vehicle or object. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims like hitting a bird, damage from a tornado or hurricane, theft and a broken windshield. The maximum payout your insurance company will pay is the market value of your vehicle, so if the vehicle is not worth much consider dropping full coverage.

Collision coverage

This coverage pays for damage to your 900 caused by collision with a stationary object or other vehicle. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against things like colliding with another moving vehicle, rolling your car, scraping a guard rail and driving through your garage door. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are older. Another option is to raise the deductible to bring the cost down.

Coverage for medical payments

Med pay and PIP coverage pay for expenses like funeral costs, X-ray expenses, EMT expenses and ambulance fees. They can be utilized in addition to your health insurance policy or if you are not covered by health insurance. Coverage applies to all vehicle occupants and will also cover being hit by a car walking across the street. Personal injury protection coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Power to the consumer

Cheaper 1998 Saab 900 insurance can be found from both online companies and from local agencies, and you need to comparison shop both so you have a total pricing picture. Some insurance providers may not have online quoting and these small insurance companies sell through independent insurance agencies.

We just covered some good ideas how you can save on 1998 Saab 900 insurance. The most important thing to understand is the more quotes you get, the better your chances of lowering your rates. Consumers could even find that the best prices are with a company that doesn’t do a lot of advertising. These companies may have significantly lower rates on certain market segments than the large multi-state companies such as Allstate and Progressive.

Other resources

Comments About 1998 Saab 900 Insurance

  1. Deneen Hayden

    Where is cheaper car insurance? From Nampa, ID. I quoted with State Farm, Liberty Mutual, and Farmers for my 900 and saved just over $80 a year. Insured with MetLife before. Online quotes are the way to go. Liability only on my Saab.

  2. Chasidy Dickerson

    Cheap is relative. I live south of Phoenix, AZ. Quoted prices online for a 1998 Saab 900. Ended up at about $90 savings annually. Went with 21st Century. I even had a DUI years ago. It’s easy to compare rates online now. Not worth enough to pay for comprehensive and collision.

  3. Julio Sampson

    Anyone understand their policy?

  4. Renato Clayton

    From east side of Little Rock, AR. Received quotes from AIG Insurance, Sentry, and USAA for my 1998 Saab 900 and saved $64 a year. Even increased my liability limits. Not sure about claim service. Next renewal I’ll just do liability.

  5. Francis Woodward

    Is Allstate cheaper than GEICO in Fort Smith, Arkansas?

  6. Pamila Maynard

    Is Allstate cheaper than Progressive in Provo, UT?

  7. Shawn Hudson

    If you have a good history and live near Houston, TX, check out GEICO. I saved quite a bit. Good savings if you bundle. I just carry liability insurance.

  8. Dorthey Cain

    In Provo, UT try State Farm or Progressive. Both had decent prices.

  9. Darrell Spencer

    Anyone buy from American Family? I’m in Rochester, NY.

  10. Leandro Hancock

    I found pretty cheap rate quotes for a 1998 Saab 900 in Chesapeake, VA. Ended up at right around $110 every six months with Amica. I’m a pretty low risk driver. Not worth enough to pay for comprehensive and collision.

  11. Deangelo Wise

    For me, State Farm was by far the cheapest in New Orleans, LA.

  12. Frederic Herrera

    Like your site, BTW. I live on the east side of Dover, DE. Received quotes with Amica, MetLife, and a few others for my Saab and I’m now saving $14 a month. Insured with AIG Insurance before.