2000 Saab 9-3 Insurance Quotes – 6 Policy Discounts

Are you irritated from not being able to scrape enough together each month for insurance coverage? Your situation is no different than many other drivers.

Since vehicle owners have many options when it comes to insurance coverage, it can be diffult for drivers to locate the lowest cost insurance company.

You need to do price comparisons before your policy renews because prices go up and down regularly. Just because you found the best deal for 9-3 coverage at your last renewal there is a good chance you can find better premium rates now. Forget all the misinformation about insurance coverage because you’re about to find out one of the easiest ways to properly buy coverages while reducing your premium.

Finding affordable coverage is easy if you know what you’re doing. In a nutshell, every driver who is shopping for insurance coverage will most likely be able to find better rates. But drivers do need to know the way insurance companies compete online and take advantage of how the system works.

Free insurance price quotes

The are a couple different ways of comparing rates from different insurance companies. The simplest method to compare 2000 Saab 9-3 insurance prices consists of shopping online. This is very easy and can be done in just a few minutes using one of these methods.

• The most efficient method to get quotes would be an industry-wide quote request form click here to open form in new window. This easy form prevents you from having to do separate forms to each individual insurance company. Just one form will return quotes from insurance companies with the best prices.
• A different way to compare prices consists of visiting the website for every company you want to comare and fill out a new quote form. For instance, we’ll assume you want to compare rates from Allstate, Esurance and Liberty Mutual. You would have to take the time to go to each site and enter your policy data, which can get rather old.

  To view a list of companies in your area, click here.

• The least recommended way to get rate quotes is to drive around to insurance agencies in your area. The ability to get quotes online makes this process obsolete unless you have a need for the professional advice that you can only get from talking to an agent. Drivers can comparison shop online but have your policy serviced through an agent.

Compare rates however you want, just make sure you use exactly the same coverage limits and deductibles on every price quote you get. If you use higher or lower deductibles it will be next to impossible to determine the best price for your Saab 9-3. Slightly different limits can mean a large discrepancy in price. Just remember that making a lot of price comparisons provides better odds of finding a better price.

Save with with these six discounts

Buying auto insurance is not cheap, but there could be available discounts that you may not even know about. Many discounts should be triggered when you purchase, but less common discounts must be requested specifically before being credited.

• Defensive Driving Course – Taking a course that instructs on driving safety is a good idea and can lower rates and easily pay for the cost of the class.
• Accident Free – Good drivers with no accidents can earn big discounts as opposed to drivers who are more careless.
• Sign Early and Save – A few companies allow discounts for switching to them early. It’s a savings of about 10%.
• Homeowners Savings – Owning a home can help you save on auto insurance due to the fact that maintaining a home is proof of financial responsibility.
• Include Life Insurance and Save – If the company offers life insurance, you could get a lower auto insurance rate if you buy some life insurance in addition to your auto policy.
• Drive Less and Save – Keeping the miles down on your Saab could qualify for lower premium rates on the low mileage vehicles.

Discounts reduce rates, but you should keep in mind that most discounts do not apply to all coverage premiums. The majority will only reduce specific coverage prices like collision or personal injury protection. If you do the math and it seems like having all the discounts means you get insurance for free, nobody gets a free ride.

Some of the larger companies that may have some of the above discounts include:

• Geico
• SAFECO
• State Farm
• MetLife
• 21st Century
• Progressive

Before you buy a policy, ask each company which credits you are entitled to. Some of the earlier mentioned discounts may not apply in your area. To find insurance companies that have a full spectrum of discounts, click here to view.

Your situation helps dictate your coverage

When choosing adequate coverage for your personal vehicles, there really is not a perfect coverage plan. Everyone’s situation is a little different and your policy should reflect that. For example, these questions could help you determine if you could use an agent’s help.

• How can I get high-risk coverage after a DUI?
• Do I have coverage for damage caused while driving under the influence?
• Do I get a pro-rated refund if I cancel my policy early?
• How can I force my company to pay a claim?
• Is motorclub coverage worth it?
• Will filing a claim cost me more?
• Do I need more liability coverage?

If it’s difficult to answer those questions but a few of them apply, you may need to chat with a licensed agent. To find an agent in your area, take a second and complete this form or you can also visit this page to select a carrier

Does auto insurance advertising bend the truth?

Respected companies like Allstate, Geico and Progressive continually stream ads in print and on television. All the ads state the claim about how much you will save if you just switch your policy. That’s great but how can every company save you money? Here is the trick they use.

All companies provide the lowest rates for the right customer that will be a good risk. For example, this type of driver may need to be a married male, has no prior claims, and does not commute to work. Someone who fits those characteristics is entitled to the best price and will probably save money with a new company.

Consumers who are not a match for those standards may be required to pay more expensive rates with the end result being the driver buying from a lower-cost company. The trick is to say “drivers who switch” not “everyone who quotes” save that much. That’s why companies can make the claims of big savings. Because each company has a different risk profile, you need to get as many free insurance coverage quotes as possible. It is impossible to guess with any certainty which company will fit you best based on your risk profile.

What insurance coverages do you need?

Having a good grasp of your policy helps when choosing appropriate coverage and proper limits and deductibles. The coverage terms in a policy can be impossible to understand and coverage can change by endorsement. Listed below are typical coverage types available from insurance companies.

Liability auto insurance – This will cover damages or injuries you inflict on other’s property or people by causing an accident. Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. As an example, you may have limits of 50/100/50 which stand for $50,000 bodily injury coverage, a limit of $100,000 in injury protection per accident, and a limit of $50,000 paid for damaged property.

Liability insurance covers things like structural damage, repair bills for other people’s vehicles, funeral expenses, bail bonds and medical services. The amount of liability coverage you purchase is your choice, but you should buy as high a limit as you can afford.

Collision – Collision coverage will pay to fix damage to your 9-3 resulting from a collision with an object or car. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers things like crashing into a ditch, sustaining damage from a pot hole, crashing into a building, colliding with a tree and sideswiping another vehicle. Paying for collision coverage can be pricey, so you might think about dropping it from lower value vehicles. Drivers also have the option to increase the deductible to get cheaper collision coverage.

Comprehensive insurance – This coverage pays for damage caused by mother nature, theft, vandalism and other events. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage pays for claims such as rock chips in glass, falling objects, theft, damage from a tornado or hurricane and a broken windshield. The most you’ll receive from a claim is the market value of your vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

Coverage for medical expenses – Medical payments and Personal Injury Protection insurance pay for expenses for rehabilitation expenses, surgery and doctor visits. They are utilized in addition to your health insurance program or if you do not have health coverage. It covers you and your occupants and will also cover any family member struck as a pedestrian. Personal Injury Protection is not available in all states but can be used in place of medical payments coverage

Coverage for uninsured or underinsured drivers – Uninsured or Underinsured Motorist coverage provides protection from other drivers when they do not carry enough liability coverage. This coverage pays for medical payments for you and your occupants as well as your vehicle’s damage.

Since many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is a good idea.

A fool and his money are soon parted

Budget-conscious 2000 Saab 9-3 insurance is available from both online companies as well as from independent agents, so get free insurance coverage quotes from both of them to get a complete price analysis. Some insurance companies may not have online rate quotes and these smaller companies prefer to sell through independent agents.

When searching for cheaper insurance coverage quotes, it’s very important that you do not sacrifice coverage to reduce premiums. Too many times, drivers have reduced collision coverage only to find out they didn’t purchase enough coverage. Your strategy should be to purchase plenty of coverage at an affordable rate while still protecting your assets.

Additional resources

• Vehicle Size and Weight FAQ (iihs.org)
• Crash Avoidance Technologies FAQ (iihs.org)
• Comprehensive Coverage (Liberty Mutual)
• What if I Can’t Find Coverage? (Insurance Information Insitute)