Lower Your 1999 Saab 9-3 Insurance Quotes

Trying to find cheaper auto insurance rates for your Saab 9-3? I can’t think of anyone who likes having to buy auto insurance, particularly when they could find better rates elsewhere.

Many auto insurance companies compete for your hard-earned dollar, and because of this it can be hard to compare car insurance companies and uncover the absolute lowest cost out there.

It’s a good habit to do rate comparisons occasionally because auto insurance prices change regularly. Even if you got the best deal on 9-3 coverage a year ago other companies may now be cheaper. Forget all the misinformation about auto insurance because you’re going to learn the right way to remove unneeded coverages and save money.

If you currently have car insurance, you will most likely be able to reduce your rates substantially using these tips. Choosing the best insurance company for you is quite easy. But car owners benefit from understanding the methods companies use to compete online and apply this information to your search.

The most recommended method to compare car insurance company rates takes advantage of the fact most larger insurance companies actually pay money for the chance to compare their rates. All you need to do is spend a couple of minutes providing details such as whether or not you need a SR-22, your general credit rating, whether you are single or married, and how much coverage you want. The data is instantly provided to many highly-rated insurers and you will get price comparisons quickly.

If you would like to compare rates now, click here and complete the form.

Car insurance ads are enticing

State Farm, GEICO and Progressive continually stream ads on television and other media. All the ads advertise the message of big savings if you change to them. But how can every company charge you less for auto insurance? You have to listen carefully.

Insurance providers have specific characteristics for the type of insured that will not have excessive claims. For instance, a desirable risk might be described as over age 30, has no prior claims, and has great credit. Any driver who matches that profile receive the lowest rate quotes and will save a lot if they switch.

Potential customers who don’t meet the ideal profile will be charged higher prices which results in the customer buying from a different company. The trick is to say “drivers that switch” but not “all drivers who get quotes” save that much. That is how insurance companies can state the savings.

This really drives home the point why you absolutely need to get a wide range of price quotes. It is just not possible to predict which company will have better prices than you’re paying now.

Cheap insurance rates with discounts

Insurance can cost an arm and a leg, but you may qualify for discounts that could help you make your next renewal payment. Some discounts apply automatically at quote time, but a few must be asked for before being credited.

  • Anti-theft Discount – Vehicles that have factory alarm systems and tracking devices prevent vehicle theft and will save you 10% or more.
  • Resident Student – Children who attend college more than 100 miles from home and do not have access to a covered vehicle can receive lower rates.
  • Pay Early and Save – If paying your policy premium upfront rather than paying in monthly installments you could save 5% or more.
  • Renewal Discounts – Some insurance companies give discounts for switching to them prior to your current policy expiration. This can save 10% or more.
  • Discounts for Multiple Vehicles – Insuring more than one vehicle on the same insurance policy can get a discount on all vehicles.
  • Professional Memberships – Being a member of a qualifying organization is a good way to get lower rates when shopping for insurance.
  • Discounts for Good Drivers – Accident-free drivers may receive a discount up to 45% on 9-3 coverage than drivers with accident claims.
  • Good Student Discount – This discount may save as much as 25% on a insurance coverage quote. You can use this discount normally up until you turn 25.
  • No Charge for an Accident – This one isn’t a discount, but a handful of insurance companies will forgive one accident before they charge you more for coverage if you are claim-free for a set time period.

It’s important to understand that many deductions do not apply to the entire cost. Most only reduce the cost of specific coverages such as collision or personal injury protection. So when the math indicates all those discounts means the company will pay you, company stockholders wouldn’t be very happy.

To find companies that can offer you the previously mentioned discounts, follow this link.

Tailor your auto insurance coverage to you

When it comes to buying adequate coverage, there is no perfect coverage plan. Every situation is different and a cookie cutter policy won’t apply. Here are some questions about coverages that can help discover whether your personal situation will benefit from professional help.

  • Am I covered when driving a rental car?
  • Is my babysitter covered when using my vehicle?
  • Does car insurance cover theft of personal property?
  • Do I need replacement cost coverage?
  • Why am I required to buy high-risk coverage?
  • Can I rent a car in Mexico?
  • Is my teen driver covered when they drive my company car?

If you don’t know the answers to these questions but you know they apply to you, then you may want to think about talking to an agent. To find an agent in your area, take a second and complete this form or click here for a list of auto insurance companies in your area.

The coverage is in the details

Having a good grasp of car insurance can help you determine appropriate coverage and the correct deductibles and limits. Policy terminology can be impossible to understand and reading a policy is terribly boring. Listed below are the normal coverages offered by car insurance companies.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This coverage gives you protection when other motorists are uninsured or don’t have enough coverage. Covered losses include 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 is a good idea. Usually these coverages are identical to your policy’s liability coverage.

Coverage for liability

This coverage will cover damage or injury you incur to people or other property in an accident. It protects you from claims by other people. It does not cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see policy limits of 100/300/100 which means $100,000 bodily injury coverage, $300,000 for the entire accident, and a limit of $100,000 paid for damaged property. Another option is one number which is a combined single limit which limits claims to one amount without having the split limit caps.

Liability coverage protects against claims such as structural damage, pain and suffering and funeral expenses. How much liability should you purchase? That is your choice, but you should buy as high a limit as you can afford.

Auto collision coverage

This pays for damage to your 9-3 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 pays for claims like hitting a parking meter, backing into a parked car, colliding with a tree, crashing into a ditch and hitting a mailbox. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are 8 years or older. You can also choose a higher deductible in order to get cheaper collision rates.

Comprehensive auto coverage

Comprehensive insurance coverage will pay to fix damage OTHER than collision with another vehicle or object. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things such as hitting a deer, a tree branch falling on your vehicle, falling objects and vandalism. The maximum amount you can receive from a comprehensive claim is the actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Medical payments and PIP coverage

Medical payments and Personal Injury Protection insurance pay for expenses such as surgery, X-ray expenses, hospital visits, ambulance fees and dental work. They are used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. Coverage applies to all vehicle occupants and will also cover getting struck while a pedestrian. Personal injury protection coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

More quotes. Lower rates.

When shopping online for car insurance, it’s very important that you do not reduce coverage to reduce premium. In many instances, an insured cut liability limits or collision coverage and learned later they didn’t have enough coverage. The goal is to purchase plenty of coverage for the lowest cost while still protecting your assets.

In this article, we covered many tips how you can shop for 1999 Saab 9-3 insurance online. It’s most important to understand that the more price quotes you have, the better your comparison will be. You may be surprised to find that the lowest priced car insurance comes from some of the smallest insurance companies. These companies may have significantly lower rates on certain market segments as compared to the big name companies such as State Farm and Allstate.

Cheaper car insurance is attainable online as well as from independent agents, and you should compare price quotes from both to have the best selection. Some insurance providers do not provide rates over the internet and these smaller providers work with local independent agents.

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Comments About 1999 Saab 9-3 Insurance

  1. Jaymie Frederick

    Can I get replacement cost coverage for a 1999 Saab 9-3?

  2. Delana Mckenzie

    Nice post. I’m in the west part of Philadelphia, PA. Compared rates from a lot of places. Saved about $10 a month. 21st Century was the cheapest option for me. Was with Travelers. I get lower rates because of my clean driving record. LOL

  3. Lakenya Kelly

    Anyone compare GEICO and Allstate rates in West Valley City, UT?

  4. Deanne Jensen

    If you have a clean record and live around Davenport, Iowa, check out State Farm. You might save some money. I get multi-vehicle and multi-policy discounts. Anyone else drop full coverage?

  5. Toccara Mullen

    If you don’t have tickets and live around Los Angeles, CA, check out State Farm. I saved quite a bit. I have a couple other vehicles on the policy.

  6. Antoine Kramer

    Anyone compare GEICO and Allstate rates in Eugene, OR?

  7. Keiko Kidd

    If you have a good history and live in the vicinity of Newark, New Jersey, check out Allstate. I saved quite a bit. Was with Mercury. Have a couple speeding tickets too. Not worth enough to pay for comprehensive and collision.

  8. Dona Livingston

    I’m just south of Gulfport, MS. I don’t recall every quote but I ended up saving about $20 each month. Left Erie to switch. I have a teen driver too.

  9. Melodi Cote

    It’s all a rip off. I’m in the west part of Kailua, Hawaii. Received quotes with MetLife, Encompass, Progressive, and AIG Insurance for my 1999 Saab 9-3 and saved just over $70 a year. My new agent seems to be really good. I dropped full coverage awhile back.

  10. Niki Evans

    In Philadelphia, PA, Allstate is a good choice. I’m a pretty good driver though.

  11. Jorge Mendez

    I found pretty cheap rate quotes for a 1999 Saab 9-3 in Birmingham, AL. Ended up at about $70 every six months with American Family. Insured with Safeco before. Thankfully I have a good driving record. I don’t insure for physical damage though.

  12. Mara Vance

    From west side of Kailua, HI. Quoted prices online for a 1999 Saab 9-3. Ended up at about $110 savings annually. Went with Progressive. Ask about discounts. It’s only liability tho.

  13. Amalia Morgan

    This is too expensive. Lifelong resident of Seattle, Washington. I compared lots of rates. Saved about $20 a month. State Farm was the best choice for me.

  14. Cira Wilder

    Not sure what I should be paying. Went with Western Auto Insurance for my 1999 Saab 9-3 and saved about $120 a year. Left American Family to switch. Moved home policy as well. Highly recommended. Not worth enough to pay for comprehensive and collision.

  15. Margrett Gibson

    State Farm is decent in Las Cruces, NM.

  16. Johana Flowers

    GEICO and Allstate were both pretty cheap in New Orleans, Louisiana.