2002 Saab 9-3 Insurance Rates

Have you finally had enough of not being able to afford to keep your car insured? You are in the same boat as millions of other drivers.

You have multiple car insurance companies to purchase coverage from, and even though it’s nice to have a choice, lots of choices makes it harder to find the best rates.

It’s a great practice to do price comparisons occasionally due to the fact that insurance prices trend upward over time. Even if you got the best deal on 9-3 insurance on your last policy you can probably find a lower rate today. Block out anything you think you know about insurance because I’m going to teach you the tricks you need to know to remove unneeded coverages and save money.

Shopping for affordable insurance coverage is easy if you know what you’re doing. Just about every vehicle owner who shops for insurance coverage will more than likely be able to lower their premiums. Although drivers can benefit from knowing how the larger insurance companies determine prices and use this information to your advantage.

Take advantage of every insurance coverage discount

Insuring your fleet can be pricey, but there may be some discounts that could drop your premiums quite a bit. Certain credits will be shown at the time you complete a quote, but some must be specially asked for before you get the savings.

• Anti-lock Brake Discount – Vehicles that have anti-lock braking systems are safer to drive and will save you 10% or more.
• No Charge for an Accident – Not really a discount, but some insurance companies will let one accident slide without the usual rate increase so long as you are claim-free for a specific time period.
• Organization Discounts – Joining a qualifying organization is a good way to get lower rates on insurance coverage.
• Low Miles Discount – Driving less can earn slightly better insurance coveragerates than normal.
• Government Employee Discount – Active or former government employment could qualify for a slight premium decrease on 9-3 insurance with select insurance companies.
• Passive Restraint Discount – Factory options such as air bags or automatic seat belts can qualify for discounts of more than 20%.
• Claim Free – Insureds with no claims or accidents pay less when compared to insureds who have frequent claims or accidents.
• Home Ownership Discount – Being a homeowner may earn you a small savings since owning and maintaining a home means you have a higher level of financial diligence.
• Multiple Vehicles – Purchasing coverage when you have multiple cars or trucks with the same insurance coverage company can reduce rates for all insured vehicles.

One last thing about discounts, some credits don’t apply to your bottom line cost. Some only apply to specific coverage prices like liability, collision or medical payments. So even though they make it sound like all those discounts means the company will pay you, it’s just not the way it works.

Popular insurance coverage companies and their possible discounts include:

• AAA may include discounts for good driver, multi-policy, anti-theft, AAA membership discount, and multi-car.
• Progressive has discounts for homeowner, online signing, online quote discount, multi-policy, continuous coverage, and good student.
• State Farm offers premium reductions for multiple autos, safe vehicle, good driver, student away at school, accident-free, driver’s education, and Drive Safe & Save.
• Esurance may have discounts that include online shopper, good student, homeowner, multi-policy, DriveSense, anti-lock brakes, and good driver.
• Nationwide offers discounts including defensive driving, anti-theft, business or organization, easy pay, and accident-free.

Double check with all the companies which discounts you qualify for. Some of the discounts discussed earlier may not be available in your area.

How to know if you need help

When choosing the right insurance coverage for your vehicles, there is no perfect coverage plan. Every insured’s situation is different and your policy should reflect that. These are some specific questions may help highlight whether you might need an agent’s assistance.

• When should I remove comp and collision on my 2002 Saab 9-3?
• How much liability insurance is required?
• Do I need roadside assistance coverage?
• Is pleasure use cheaper than using my 2002 Saab 9-3 to commute?
• Is my 2002 Saab 9-3 covered for smoke damage?
• Should I put collision coverage on all my vehicles?
• Am I covered if my car is in a flood?
• Do I benefit by insuring my home with the same company?
• Do I really need UM/UIM coverage?

If you can’t answer these questions but you think they might apply to your situation, you might consider talking to an agent. If you don’t have a local agent, simply complete this short form or click here for a list of auto insurance companies in your area.

Don’t believe everything you hear

State Farm and Allstate regularly use television, radio, and online ads. All the ads advertise the message about how much you will save if you get a free car insurance quote and switch to their company. How is it plausible that every one can save you money? This is the trick they use.

Most companies offer their best rates for the type of insured that will generate a profit. An example of this type of driver might be described as between the ages of 30 and 50, insures multiple vehicles, and chooses high deductibles. Someone who matches that profile will get very good car insurance rates and is almost guaranteed to cut their rates substantially.

Potential customers who don’t qualify for the ideal profile will see a more expensive rate which translates to the driver buying from a lower-cost company. Company advertisements say “customers that switch” not “everyone that quotes” save money. That’s why companies can truthfully lure you into getting a quote.

Because of this risk profiling, it’s extremely important to get price quotes at each policy renewal. It’s not possible to predict which company will have the lowest prices for your situation.

Auto insurance 101

Learning about specific coverages of your policy aids in choosing the best coverages at the best deductibles and correct limits. Policy terminology can be confusing and reading a policy is terribly boring. Listed below are the usual coverages found on the average auto insurance policy.

Liability insurance

Liability coverage can cover injuries or damage you cause to people or other property. It protects you from claims by other people. It does not cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You might see values of 50/100/50 that means you have $50,000 bodily injury coverage, $100,000 for the entire accident, and a limit of $50,000 paid for damaged property. Another option is a combined limit that pays claims from the same limit rather than limiting it on a per person basis.

Liability coverage pays for claims like court costs, repair bills for other people’s vehicles and funeral expenses. How much liability coverage do you need? That is your choice, but buy as high a limit as you can afford.

Coverage for medical payments

Medical payments and Personal Injury Protection insurance pay for bills for things like funeral costs, chiropractic care, hospital visits and surgery. They can be used to cover expenses not covered by your health insurance program or if you lack health insurance entirely. Medical payments and PIP cover all vehicle occupants in addition to if you are hit as a while walking down the street. Personal Injury Protection is not available in all states but can be used in place of medical payments coverage

Uninsured and underinsured coverage

Your UM/UIM coverage provides protection from other drivers when they do not carry enough liability coverage. Covered losses include injuries to you and your family as well as damage to your Saab 9-3.

Since a lot of drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is important protection for you and your family. Usually these coverages are similar to your liability insurance amounts.

Comprehensive coverages

This covers damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims like hail damage, theft, hitting a deer, vandalism and damage from getting keyed. The maximum payout a auto insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Collision coverage

Collision coverage will pay to fix damage to your 9-3 resulting from colliding with an object or car. You have to pay a deductible then your collision coverage will kick in.

Collision insurance covers things such as crashing into a building, sideswiping another vehicle and hitting a mailbox. Paying for collision coverage can be pricey, so you might think about dropping it from lower value vehicles. Another option is to bump up the deductible to bring the cost down.

You can do this!

Cheaper 2002 Saab 9-3 insurance can be bought from both online companies and from local insurance agents, so you should be comparing quotes from both to have the best rate selection. There are still a few companies who may not provide the ability to get quotes online and most of the time these smaller providers prefer to sell through independent insurance agents.

When buying insurance coverage, make sure you don’t buy poor coverage just to save money. There are a lot of situations where consumers will sacrifice uninsured motorist or liability limits only to find out that their decision to reduce coverage ended up costing them more. Your strategy should be to purchase plenty of coverage at a price you can afford but still have enough coverage for asset protection.

Additional information can be read below:

• Airbag FAQ (iihs.org)
• Speed and Speed Limit FAQ (iihs.org)
• Distracted Driving (Insurance Information Insitute)
• Anti-Lock Brake FAQ (iihs.org)
• Should I Buy a New or Used Car? (Allstate)