Lower Your 2006 Saab 9-2X Insurance Quotes

Did you come to the realization that you have an underperforming, overpriced insurance coverage policy? Trust us when we tell you there are many drivers thinking the same thing.

Big companies like State Farm, Allstate, GEICO and Progressive all claim big savings, bombarding you with ads and it is difficult to avoid their marketing magic and effectively compare rates to find the best deal.

If you are paying for car insurance now, you should be able to save some money using these tips. Buying car insurance is quite easy. Although car owners benefit from understanding how companies price insurance differently and take advantage of how the system works.

Get more affordable insurance costs by understanding these factors

Lots of things are part of the calculation when you get a price on insurance. Some are obvious like a motor vehicle report, but other criteria are less obvious like where you live or your commute time.

  • Bundle policies and save – Some insurance companies provide a discount to policyholders that buy multiple policies such as combining an auto and homeowners policy. Even with this discount applied, you still need to shop around to make sure you are getting the best deal.
  • Safer the car lower the rate – Vehicles with high crash test scores tend to have better insurance rates. Vehicles built for safety reduce the chance of injuries and fewer serious injuries translates into fewer and smaller insurance claims which can mean better rates for you. If your Saab 9-2X scored at minimum an “acceptable” rating on the Insurance Institute for Highway Safety website you may be receiving a better rate.
  • Your occupation may affect insurance rates – Did you know your occupation can influence how much you pay for insurance? Jobs such as real estate brokers, social workers and accountants are shown to have higher premium rates attributed to high stress levels and lots of time spent at work. On the flip side, jobs such as professors, students and performers have the lowest average rates for 9-2X insurance.
  • Frequent insurance claims will increase rates – If you file a lot of claims don’t be surprised to see either policy cancellation or increased premiums. Companies give lower rates to drivers who are not frequent claim filers. Insurance coverage is designed for claims that pose a financial burden.
  • Alarms and GPS tracking lower premiums – Buying a car with anti-theft technology or alarm system can get you a discount on your insurance. Theft prevention devices like OnStar found on GM vehicles, advanced tracking like LoJack, and vehicle immobilization systems all aid in stopping auto theft and help lower rates.
  • Gender and car insurance prices – Over the last 50 years, statistics have shown that women are safer drivers than men. Now that doesn’t mean females are better drivers. Both genders have accidents in similar percentages, but the males cause more damage. Men also statistically get more serious tickets like DWI (DUI) or reckless driving. Young males generally have the highest accident percentage so they pay the highest premiums.
  • Annual mileage impacts costs – The higher the miles on your Saab in a year’s time the more it will cost to insure it. Most companies apply a rate determined by how the vehicle is used. Cars and trucks used primarily for pleasure use receive better premium rates than those that get driven frequently. Incorrect rating for your 9-2X may be wasting your money. It’s a good idea to make sure your declarations sheet is showing the correct driver usage.
  • Rates are affected by your address – Choosing to live in areas with lower population has definite advantages when insuring your vehicles. Fewer drivers on the road translates into fewer accidents and lower theft and vandalism rates. Urban drivers have to deal with more traffic problems and longer commutes to work. The longer drive time means more chances of being involved in an auto accident.

How to compare car insurance price quotes

The are a couple different ways of comparing rates from all the different companies. The recommended way to find affordable 2006 Saab 9-2X insurance rates consists of shopping online. This is quite simple and can be completed in several different ways.

  1. The best way to get quotes for comparison is to use a rate comparison form click to view form in new window. This method eliminates the need for separate forms for every company. One form will return quotes from multiple low-cost companies.
  2. A more difficult way to analyze rates consists of visiting each individual company website and fill out a new quote form. For examples sake, let’s say you want to get rates from Allstate, Safeco and Liberty Mutual. To find out each rate you need to spend time going to each site individually to input your insurance information, which can get rather old. For a list of links to insurance companies in your area, click here.

Whichever way you choose to compare rates, double check that you are using exactly the same coverages and limits for each quote you get. If each company quotes different liability limits it will be next to impossible to determine the lowest rate for your Saab 9-2X. Just slight variations in insurance coverages or limits can mean a large discrepancy in price. Just keep in mind that comparing a large number of companies will increase your chances of finding the best rates. Not every company does price estimates online, so you also need to get prices from those companies as well.

Can you really save $415 a year?

Popular insurance providers such as State Farm and Allstate continually stream television, radio, and online ads. All the ads say the same thing about how much you will save just by moving your policy. How does every company cost less than your current company? It’s all in the numbers.

Insurance companies have an ideal profile for the type of driver that will not have excessive claims. For example, a driver they prefer should be over age 30, insures multiple vehicles, and drives newer vehicles. Anyone who meets those qualifications will qualify for the lowest rates and have a good chance to save when switching.

Drivers who fall outside the “perfect” profile will be charged a more expensive rate and the customer buying from a different company. The wording the ads use say “customers that switch” but not “all drivers who get quotes” save that much when switching. This is how insurance companies can make those claims.

Because of these techniques, it’s extremely important to compare rate quotes every year. It’s impossible to know the company that will provide you with the cheapest car insurance rates.

Do you qualify for discount car insurance?

Some insurance providers don’t always list every discount in a way that’s easy to find, so the next list breaks down both well-publicized as well as the least known savings tricks you should be using when you buy auto insurance online.

  • Discount for Good Grades – Getting good grades can get you a discount of up to 25%. This discount can apply up until you turn 25.
  • Buy New and Save – Putting insurance on a new car can save up to 30% because new model year vehicles keep occupants safer.
  • First Accident Forgiveness – Not a discount per se, but companies like State Farm and Progressive will allow you to have one accident before hitting you with a surcharge with the catch being you have to be claim-free prior to the accident.
  • Student in College – Children who live away from home at college and won’t have access to an insured vehicle may qualify for this discount.
  • Payment Discounts – By making one initial payment rather than paying monthly you can avoid monthly service charges.
  • Defensive Driver Discounts – Taking time to complete a course that instructs on driving safety could earn you a small percentage discount depending on where you live.
  • Professional Organizations – Joining qualifying employment or professional organizations can get you a small discount on your bill.
  • Fewer Miles Equal More Savings – Low annual miles could qualify for lower prices due to less chance of an accident.
  • Homeowners Discount – Simply owning a home may earn you a small savings because it shows financial diligence.
  • Theft Prevention System – Cars optioned with advanced anti-theft systems can help prevent theft and earn discounts up to 10% off your auto insurance quote.

It’s important to understand that most discount credits are not given to the entire policy premium. The majority will only reduce the price of certain insurance coverages like liability, collision or medical payments. So even though it sounds like you could get a free car insurance policy, it doesn’t quite work that way. But all discounts should help reduce your policy premium.

Popular car insurance companies and a partial list of their discounts are included below.

  • Farmers Insurance policyholders can earn discounts including electronic funds transfer, homeowner, business and professional, pay in full, mature driver, and teen driver.
  • Esurance includes discounts for multi-policy, anti-theft, good student, homeowner, paid-in-full, claim free, and emergency road assistance.
  • State Farm may offer discounts for multiple policy, defensive driving training, good driver, anti-theft, good student, Drive Safe & Save, and passive restraint.
  • GEICO may include discounts for five-year accident-free, anti-theft, military active duty, driver training, anti-lock brakes, and air bags.
  • Allstate offers discounts including EZ pay plan discount, 55 and retired, economy car, senior citizen, safe driver, and defensive driver.

Double check with every company how many discounts you can get. Savings may not apply to policies in your area. To view companies who offer online car insurance quotes, click here to view.

What insurance coverages do I need?

When it comes to buying coverage for your vehicles, there really is not a cookie cutter policy. Everyone’s situation is a little different and a cookie cutter policy won’t apply. These are some specific questions may help you determine if you would benefit from an agent’s advice.

  • Does my insurance cover a custom paint job?
  • How many claims can I have before being cancelled?
  • When can I cancel my policy?
  • Is other people’s property covered if stolen from my vehicle?
  • How do I buy GAP insurance?
  • Does coverage extend to Mexico or Canada?
  • Which companies will insure high-risk drivers?

If it’s difficult to answer those questions but you know they apply to you, you may need to chat with a licensed insurance agent. If you want to speak to an agent in your area, take a second and complete this form or you can go here for a list of companies in your area.

Coverages available on your insurance policy

Having a good grasp of your policy aids in choosing appropriate coverage and proper limits and deductibles. Policy terminology can be confusing and reading a policy is terribly boring. Shown next are the normal coverages found on most insurance policies.

Coverage for uninsured or underinsured drivers

This coverage provides protection from other motorists when they do not carry enough liability coverage. It can pay for medical payments for you and your occupants as well as damage to your Saab 9-2X.

Since a lot of drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is very important. Usually these coverages are identical to your policy’s liability coverage.

Collision coverage protection

This coverage pays for damage to your 9-2X resulting from a collision with an object or car. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims like sideswiping another vehicle, rolling your car and scraping a guard rail. Paying for collision coverage can be pricey, so consider 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.

Coverage for medical expenses

Personal Injury Protection (PIP) and medical payments coverage provide coverage for bills for things like X-ray expenses, ambulance fees, doctor visits and funeral costs. They are used in conjunction with a health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover you and your occupants as well as getting struck while a pedestrian. PIP coverage is only offered in select states and may carry a deductible

Comprehensive insurance

Comprehensive insurance coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims such as damage from getting keyed, falling objects, a tree branch falling on your vehicle, hitting a deer and fire damage. The most you’ll receive from a claim is the actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Auto liability insurance

Liability coverage will cover damage that occurs to a person or their property in an accident. It protects YOU against other people’s claims. Liability doesn’t cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show limits of 50/100/50 that means you have a limit of $50,000 per injured person, $100,000 for the entire accident, and property damage coverage for $50,000. Alternatively, you may have a combined limit which limits claims to one amount without having the split limit caps.

Liability coverage protects against things like repair bills for other people’s vehicles, pain and suffering, legal defense fees and attorney fees. How much liability should you purchase? That is up to you, but buy as large an amount as possible.

Quote more. Save more.

When searching for inexpensive auto insurance quotes, make sure you don’t buy less coverage just to save a little money. In too many instances, someone sacrificed comprehensive coverage or liability limits and discovered at claim time that the small savings ended up costing them much more. The goal is to buy the best coverage you can find at a price you can afford.

Low-cost 2006 Saab 9-2X insurance can be purchased on the web and from local agencies, so you should be comparing quotes from both to have the best rate selection. There are still a few companies who may not have rate quotes online and most of the time these smaller companies provide coverage only through local independent agents.

For more information, feel free to browse the resources below:

Comments About 2006 Saab 9-2X Insurance

  1. Fran Hansen

    Anyone know of any company in Provo, Utah that will insure high risk drivers?

  2. Norman Lyons

    Any claims experience with Allstate in Knoxville, TN?

  3. Yasmin Campos

    From Milwaukee, WI. I got free prices from State Farm, Auto-Owners, and Esurance for my Saab and I think I cut my rates about $30 each month. Was with AAA. A clean driving record helps. LOL

  4. Sidney Olsen

    Not sure if this is cheap. Quoted with GEICO for my 9-2X and am saving around $320 a year. Left Farmers to switch.

  5. Zackary Kemp

    Nice post. I live on the east side of Spokane, WA. Received prices from AAA, Mercury, and Travelers for my Saab and I’m now saving $24 a month. Left Liberty Mutual to switch.

  6. Lennie Todd

    I got decent rates for a 2006 Saab 9-2X in Burlington, VT. Ended up at darn near $410 every six months with Auto-Owners.

  7. Kerri Browning

    Like your site, BTW. Lifelong resident of Albuquerque, NM. Got car insurance rates from Allstate, GMAC, and Encompass for my Saab and saved just over $390 a year. I used their online quote form to compare rates.

  8. Dale England

    I’m in Oklahoma City, OK. Quoted prices online for a 2006 Saab 9-2X. Ended up at about $500 savings annually. Went with GEICO. Thankfully I have a good driving record. They have free quotes online.

  9. Terrell Harmon

    Are State Farm or State Farm rates cheaper in Alaska?

  10. Jarvis Terrell

    I got quite a few price quotes for a 2006 Saab 9-2X in Columbus, OH. Ended up at darn near $200 every six months with AIG Insurance. I get lower rates because of my clean driving record. I quoted rates online then called them.

  11. Esta Shannon

    Here’s my info. I live in a small town just outside of Green Bay, Wisconsin. Can’t remember who all I quoted but I ended up saving about $20 each month. Was with Western Auto Insurance. I’m a pretty good driver though. I quoted rates online then called them.

  12. Shila Adams

    Just my two cents. Found cheapest coverage with Liberty Mutual for my 2006 Saab 9-2X and cut my rates about $460 a year. Was with Erie. Not sure if rates are cheaper online or not.

  13. Janine Cantrell

    Will Allstate cancel me for an at-fault accident?

  14. Trinidad Snider

    2006 Saab 9-2X + 21st Century = CHEAP! At least inNew Mexico anyway.

  15. Sachiko Huber

    For me, Progressive was by far the cheapest in Newark, New Jersey.

  16. Tania Burt

    I got quite a few price quotes for a 2006 Saab 9-2X in Idaho Falls, Idaho. Ended up at right around $410 every six months with AIG Insurance. Left Safeco to switch.

  17. Thomas Kirkland

    Anyone buy from AIG Insurance? I’m in Spokane, WA.