2004 Saab 9-3 Insurance Rates – 7 Tricks for Cheaper Quotes

Are you baffled by the sheer number of car insurance choices in your area? You’re not alone. vehicle owners have such a vast assortment of choices available that it is a ton of work to find a more affordable company.

Lower rate quotes by taking advantage of these seven discounts

Companies offering auto insurance don’t always advertise their entire list of discounts very clearly, so the following list contains some of the best known in addition to some of the lesser obvious credits available to you.

• College Student Discount – Youth drivers living away from home attending college and do not take a car to college can receive lower rates.
• Lower Rates for Military – Having a family member in the military could mean lower premium rates.
• Discount for Swiching Early – Select insurance companies give a discount for buying a new policy prior to your current policy expiration. This can save 10% or more.
• Savings for New Vehicles – Putting insurance coverage on a new car is cheaper because newer models are generally safer.
• Claim Free – Insureds who avoid accidents and claims have much lower rates in comparison to policyholders that have many claims.
• Discount for Passive Restraints – Vehicles with factory air bags and/or automatic seat belt systems may get savings of 25 to 30%.
• Seat Belt Discounts – Drivers who require all occupants to buckle up can save up to 15% on the medical payments or PIP coverage costs.

Don’t be shocked that most credits do not apply to the entire cost. Some only apply to specific coverage prices like liability, collision or medical payments. Even though it appears adding up those discounts means a free policy, company stockholders wouldn’t be very happy.

Some companies who may offer these benefits include:

• Geico
• MetLife
• State Farm
• Progressive
• Mercury Insurance
• 21st Century
• Allstate

If you want inexpensive insurance quotes, ask every company which discounts you may be entitled to. Some of the discounts discussed earlier might not be available to policyholders in your state. To see insurers offering insurance discounts, click this link.

How to get car insurance quotes

To find the best car insurance prices, there are several ways of comparing price quotes from car insurance companies in your area. The best way to find cheaper Saab 9-3 rates involves getting comparison quotes online. This is very easy and can be done by using one of the methods below.

The fastest way to find the lowest comparison rates is to use a rate comparison form (click to open form in new window). This quick form prevents you from having to do a different quote for every car insurance company. One form gets you price quotes instantly. It’s definitely the quickest method.

A harder way to compare rate quotes is going to the website of each company to complete their respective quote request forms. For examples sake, let’s say you want to see prices from Allstate, Farmers and Travelers. To get rate quotes you would need to navigate to each company’s site and repeatedly type in your coverage information, which is why the first method is more popular.

For a list of links to insurance companies in your area, click here.

It’s up to you how you get prices quotes, just make absolute certain that you use the same coverage data for every quote you compare. If you enter different deductibles you will not be able to find the best deal for your Saab 9-3. Slightly different insurance coverages or limits may result in a large different in cost. And when comparing car insurance rates, know that comparing a large number of companies helps you find the best price. Some smaller insurers to not give online quotes, so it’s necessary to compare prices from the smaller companies as well.

How much car insurance do I need?

When it comes to buying coverage for your personal vehicles, there is no “perfect” insurance plan. Every situation is different.

For example, these questions can help discover if you may require specific advice.

• What exactly is covered by my policy?
• Do I have coverage when making deliveries for my home business?
• Does my insurance cover a custom paint job?
• Where can I find high-risk insurance?
• Should I bundle my homeowners policy with my auto?
• Am I covered when driving a rental car?

If you don’t know the answers to these questions but a few of them apply, then you may want to think about talking to a licensed agent. To find an agent in your area, fill out this quick form.

Detailed coverages of your insurance policy

Knowing the specifics of a insurance policy helps when choosing which coverages you need for your vehicles. Policy terminology can be difficult to understand and reading a policy is terribly boring.

Uninsured and underinsured coverage

This coverage gives you protection from other motorists when they either are underinsured or have no liability coverage at all. Covered claims include injuries to you and your family and also any damage incurred to your Saab 9-3.

Due to the fact that many 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 a good idea.

Auto collision coverage

This coverage pays for damage to your 9-3 resulting from colliding with an object or car. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision can pay for claims like scraping a guard rail, backing into a parked car, crashing into a building, hitting a parking meter and sideswiping another vehicle. This coverage can be expensive, so consider dropping it from lower value vehicles. It’s also possible to raise the deductible in order to get cheaper collision rates.

Liability auto insurance

This coverage provides protection from damage that occurs to a person or their property. This insurance protects YOU against claims from other people. It does not cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see policy limits of 100/300/100 that means you have $100,000 bodily injury coverage, a per accident bodily injury limit of $300,000, and a limit of $100,000 paid for damaged property.

Liability can pay for things such as legal defense fees, pain and suffering and bail bonds. How much coverage you buy is up to you, but buy higher limits if possible.

Comprehensive coverages

This pays for 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 coverage pays for claims like rock chips in glass, falling objects, a broken windshield, damage from a tornado or hurricane and hitting a bird. The maximum amount you’ll receive from a claim is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Coverage for medical payments

Personal Injury Protection (PIP) and medical payments coverage provide coverage for short-term medical expenses such as rehabilitation expenses, X-ray expenses, surgery and chiropractic care. They are often used in conjunction with a health insurance plan or if there is no health insurance coverage. It covers not only the driver but also the vehicle occupants and will also cover if you are hit as a while walking down the street. Personal injury protection coverage is not universally available and gives slightly broader coverage than med pay

Buy Smart and Save

Some insurance companies may not have rate quotes online smaller providers only sell through independent insurance agents. Cost effective 2004 Saab 9-3 insurance is definitely available online in addition to many insurance agents, and you should be comparing both in order to have the best price selection to choose from.

People who switch companies do it for a number of reasons such as delays in paying claims, unfair underwriting practices, questionable increases in premium and even delays in responding to claim requests. It doesn’t matter what your reason, finding a great new company is actually quite simple.

In this article, we covered some good ideas how you can save on 2004 Saab 9-3 insurance. The key thing to remember is the more providers you compare, the better your chances of lowering your auto insurance rates. You may even discover the biggest savings come from the least-expected company.

Even more information is available by following these links:

• Choosing a Car for Your Teen (State Farm)
• If I File a Claim will My Insurance Go Up? (Insurance Information Insitute)
• Uninsured Motorist Statistics (Insurance Information Insitute)
• Airbag FAQ (iihs.org)
• Collision Coverage (Liberty Mutual)
• Rental Reimbursement Coverage (Allstate)