How Much Does 2000 Saab 9-5 Insurance Cost?

Want cheaper car insurance rates for your Saab 9-5? I can’t think of a single person who is fond of buying car insurance, especially when they are aware that the prices are way too high. Companies like Progressive, Geico and Farmers Insurance continually bombard you with ads and it is difficult to separate fact from fiction and do the work needed to find the best deal.

It’s important to get comparison quotes yearly because prices are adjusted regularly by insurance companies. Just because you had the best rates on 9-5 coverage at your last renewal a different company probably has better rate quotes today. Ignore everything you know about car insurance because I’m going to let you in on the secrets to the tricks you need to know to find great coverage at a great price.

If you are insured now or need new coverage, you can use this information to find the best rates and possibly find even better coverage. Finding the best rates is not rocket science. Consumers only need an understanding of the tricks to get comparison rates on the web.

Low cost insurance coverage prices

Lowering your 2000 Saab 9-5 insurance coverage rates is a fairly straight forward process. You just need to take the time to get quotes provided by online insurance companies. It is quite easy and can be accomplished in a couple of different ways.

• The first (and easiest) way to get quotes for comparison is to use a rate comparison form click to view form in new window. This type of form prevents you from having to do separate forms for every prospective company. One form gets you coverage quotes from multiple low-cost companies.
• Another way to find lower rates consists of going to each company’s website and repeat the quote process again and again. For example, let’s say you want to get rates from Liberty Mutual, Safeco and Farmers. To get rate quotes you would need to take the time to go to each site to enter the same coverage data repeatedly, which is why first method is reommended. For a list of companies in your area, click here.
• Even if you have time, the least recommended method to compare price quotes to insurance agencies in your area. The ability to quote online makes this unnecessary unless you have a need for the professional assistance that you can only get from talking to an agent. If you prefer, some companies allow you to compare the best prices online but have your policy serviced through an agent.

It’s your choice how you get your quotes, but ensure you’re using exactly the same deductibles and coverage limits for each quote you get. If the quotes have different coverage information then you won’t be able to determine which rate is truly the best.

Lower rate quotes by taking advantage of discounts

Auto insurance is not inexpensive, but there are discounts available that you may not even be aware of. Some trigger automatically at the time of quoting, but once in a while a discount must be asked about prior to getting the savings.

• Drive Safe and Save – Drivers who avoid accidents may receive a discount up to 45% on 9-5 coverage than less cautious drivers.
• Home Ownership Discount – Owning a house can save a few bucks because of the fact that having a home demonstrates responsibility.
• Theft Prevention Discount – Vehicles that have factory alarm systems and tracking devices are stolen less frequently and will qualify for a discount on a insurance coverage quote.
• Sign Online – A few auto insurance companies may give you up to $50 for signing up over the internet.
• Good Students Pay Less – A discount for being a good student can be rewarded with saving of up to 25%. This discount can apply up to age 25.
• Driving Data Discount – Insureds who allow data collection to spy on driving habits by using a telematic data system such as State Farm’s In-Drive may see discounts if they are good drivers.

We need to note that most discount credits are not given to the entire policy premium. Some only apply to the price of certain insurance coverages like liability, collision or medical payments. Despite the appearance that all those discounts means the company will pay you, company stockholders wouldn’t be very happy.

A list of auto insurance companies and a selection of discounts are detailed below.

• Farmers Insurance may offer discounts for switch companies, distant student, good student, mature driver, and electronic funds transfer.
• Esurance offers discounts including anti-theft, online quote, multi-policy, multi-car, and Pac-12 alumni.
• State Farm may have discounts that include driver’s education, Steer Clear safe driver discount, student away at school, Drive Safe & Save, and passive restraint.
• Geico includes discounts for emergency military deployment, multi-policy, federal employee, defensive driver, and seat belt use.
• Allstate has discounts for good payer, anti-lock brakes, auto/life discount, FullPay discount, passive restraint, safe driver, and anti-theft.

Check with each company what discounts are available to you. A few discounts may not be offered in your area. For a list of auto insurance companies who offer online auto insurance quotes, click here.

How much auto insurance do I need?

When buying adequate coverage for your personal vehicles, there really is not a cookie cutter policy. Everyone’s situation is unique so this has to be addressed. For example, these questions may help you determine whether or not you could use an agent’s help.

• Do I have newly-aquired coverage?
• Do I benefit by insuring my home with the same company?
• Is other people’s property covered if stolen from my vehicle?
• Is business equipment covered while in my vehicle?
• Does insurance cover damages from a DUI accident?
• Are my friends covered when driving my car?
• What is the ISO rating for a 2000 Saab 9-5?
• Do I need added coverage for expensive stereo equipment?

If you can’t answer these questions, you might consider talking to an insurance agent. If you don’t have a local agent, fill out this quick form or go to this page to view a list of companies. It’s fast, doesn’t cost anything and may give you better protection.

Educate yourself about car insurance coverages

Having a good grasp of your policy aids in choosing the right coverages at the best deductibles and correct limits. The coverage terms in a policy can be confusing and coverage can change by endorsement. Below you’ll find typical coverage types available from car insurance companies.

Med pay and Personal Injury Protection (PIP)

Medical payments and Personal Injury Protection insurance pay for short-term medical expenses for things like hospital visits, nursing services and X-ray expenses. They are used in conjunction with a health insurance plan or if you are not covered by health insurance. Coverage applies to you and your occupants and will also cover getting struck while a pedestrian. PIP coverage is not an option in every state but can be used in place of medical payments coverage

Coverage for liability

This coverage can cover damage or injury you incur to other’s property or people in an accident. This coverage protects you against other people’s claims, and does not provide coverage for your injuries or vehicle damage.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You might see policy limits of 50/100/50 which means $50,000 in coverage for each person’s injuries, a per accident bodily injury limit of $100,000, and a limit of $50,000 paid for damaged property. Some companies may use a combined single limit or CSL which combines the three limits into one amount rather than limiting it on a per person basis.

Liability can pay for claims like medical expenses, attorney fees, structural damage, repair bills for other people’s vehicles and funeral expenses. The amount of liability coverage you purchase is a personal decision, but consider buying higher limits if possible.

Uninsured/Underinsured Motorist (UM/UIM)

This coverage provides protection from other drivers when they are uninsured or don’t have enough coverage. It can pay for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Because many people have only the minimum liability required by law, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is very important. Normally the UM/UIM limits are identical to your policy’s liability coverage.

Comprehensive insurance

Comprehensive insurance will pay to fix damage that is not covered by collision coverage. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things such as hitting a deer, rock chips in glass and fire damage. The most you’ll receive from a claim is the market value of your vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Collision insurance

Collision coverage will pay to fix damage to your 9-5 caused by collision with another car or object. You will need to pay your deductible and then insurance will cover the remainder.

Collision can pay for things like colliding with a tree, backing into a parked car and colliding with another moving vehicle. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are 8 years or older. Drivers also have the option to choose a higher deductible to bring the cost down.