2006 Saab 9-5 Insurance Rates – 8 Ideas for Cheapest Quotes

Nobody that owns a car rejoices having to buy car insurance, in particular when they are paying too much. Many auto insurance companies vie to insure your vehicles, so it can be very hard to choose a insurance company to find the absolute lowest rate

Consumers need to shop coverage around on a regular basis due to the fact that insurance rates tend to go up over time. Just because you found the lowest rate for 9-5 coverage a couple years back there may be better deals available now. There are a lot of ways to save on car insurance out there, but we’re going to give you some solid techniques on how to save money.

If you are insured now or are shopping for new coverage, you can use these techniques to shop for the lowest rates while maintaining coverages. Buying car insurance is quite easy. Drivers only need to know the most effective way to buy auto insurance online.

Do you qualify for these eight discounts?

Some companies do not list every policy discount very well, so the list below contains some of the best known and also the lesser-known auto insurance savings.

  • Early Signing – Some companies provide a discount for switching companies before your current policy expires. It could save around 10% when you buy car insurance online.
  • Student Driver Training – It’s a good idea to have your young drivers enroll in driver’s education in high school.
  • Student in College – Kids who are enrolled in a college that is more than 100 miles from home and don’t have a car could qualify for this discount.
  • Discounts for Cautious Drivers – Insureds who avoid accidents may save up to 50% more for 9-5 coverage compared to accident prone drivers.
  • More Vehicles More Savings – Insuring multiple vehicles with one company can get a discount for every vehicle.
  • Military Discounts – Being on active deployment in the military may qualify for rate reductions.
  • Anti-lock Brakes – Anti-lock brake equipped vehicles can stop better under adverse conditions so you can save 10 percent or more.
  • Multi-line Discount – If the company offers life insurance, you could get better premium rates if you take out life insurance.

As a disclaimer on discounts, some credits don’t apply to the entire policy premium. Most cut the price of certain insurance coverages like collision or personal injury protection. Despite the fact that it seems like all the discounts add up to a free policy, company stockholders wouldn’t be very happy.

Larger auto insurance companies and the discounts they provide can be found below.

  • Geico discounts include seat belt use, air bags, military active duty, good student, driver training, multi-vehicle, and emergency military deployment.
  • Travelers may offer discounts for continuous insurance, multi-car, good student, early quote, payment discounts, and student away at school.
  • Nationwide may include discounts for family plan, good student, multi-policy, anti-theft, accident-free, defensive driving, and easy pay.
  • Farmers Insurance offers discounts for alternative fuel, teen driver, early shopping, switch companies, and mature driver.
  • Esurance offers discounts including safety device, DriveSense, paid-in-full, defensive driver, good driver, and homeowner.
  • State Farm offers premium reductions for safe vehicle, good driver, student away at school, good student, and defensive driving training.
  • Progressive has savings for multi-policy, homeowner, online signing, online quote discount, and good student.
  • Mercury Insurance may have discounts that include multi-car, anti-theft, age of vehicle, type of vehicle, ease of repair, and annual mileage.

When getting a coverage quote, ask every prospective company which credits you are entitled to. Some of the discounts discussed earlier may not apply to policyholders in your area. To see providers offering auto insurance discounts, click this link.

First Step: Get free insurance coverage quotes

There are several ways you can shop for insurance coverage but there is one way that is easier and takes less work. You could spend the better part of a day driving to insurance agencies in your area, or you could use online quotes to achieve your goal.

Most car insurance companies belong to a marketplace that enables customers to only type in their quote data once, and each participating company then returns a price quote based on that information. This system prevents you from having to do form submissions to each individual insurance coverage company.

To find out what other companies charge click here to open in new window.

The one downside to getting quotes like this is you don’t know exactly the companies to get quotes from. So if you prefer to pick specific insurance companies for rate comparison, we put together a list of low cost insurance coverage companies in your area. View list of insurance companies.

Whichever way you use, do your best to use apples-to-apples information with every price quote. If you enter differing limits it will be next to impossible to make a fair rate comparison.

Don’t assume everyone needs the same auto insurance coverage

When it comes to buying coverage for your personal vehicles, there is no “best” method to buy coverage. Each situation is unique so your insurance needs to address that. For example, these questions may help highlight whether or not you could use an agent’s help.

  • Are rock chip repairs covered?
  • I don’t drive much so do I pay less?
  • Is my camper covered by my car insurance policy?
  • Do I need PIP (personal injury protection) coverage in my state?
  • Will filing a claim cost me more?
  • Do I need added coverage for expensive stereo equipment?
  • What is roadside assistance coverage?
  • What discounts do I qualify for?
  • How do I insure my teen driver?
  • Do I need replacement cost coverage?

If it’s difficult to answer those questions then you might want to talk to a licensed insurance agent. To find 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. It is quick, free and can help protect your family.

Auto insurance 101

Knowing the specifics of your policy can help you determine appropriate coverage and proper limits and deductibles. Policy terminology can be difficult to understand and even agents have difficulty translating policy wording. Below you’ll find the usual coverages found on the average insurance policy.

Medical payments coverage and PIP

Med pay and PIP coverage pay for bills for prosthetic devices, rehabilitation expenses and hospital visits. They are often used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. It covers you and your occupants as well as being hit by a car walking across the street. Personal Injury Protection is only offered in select states but it provides additional coverages not offered by medical payments coverage

Uninsured/Underinsured Motorist coverage

Your UM/UIM coverage provides protection from other drivers when they are uninsured or don’t have enough coverage. Covered losses include hospital bills for your injuries as well as damage to your 2006 Saab 9-5.

Since many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is very important.

Collision insurance

This covers damage to your 9-5 from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible then your collision coverage will kick in.

Collision insurance covers claims such as hitting a parking meter, backing into a parked car, colliding with a tree and hitting a mailbox. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are older. Drivers also have the option to raise the deductible in order to get cheaper collision rates.

Comprehensive coverage

Comprehensive insurance pays for damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for claims like vandalism, a tree branch falling on your vehicle, hitting a deer, a broken windshield and theft. The maximum amount you can receive from a comprehensive claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Liability auto insurance

This coverage provides protection from injuries or damage you cause to other people or property. This insurance protects YOU against claims from other people. Liability doesn’t cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. Your policy might show policy limits of 100/300/100 that means you have a limit of $100,000 per injured person, a limit of $300,000 in injury protection per accident, and property damage coverage for $100,000.

Liability insurance covers things such as attorney fees, emergency aid, repair bills for other people’s vehicles, medical services and pain and suffering. How much liability should you purchase? That is a personal decision, but consider buying as high a limit as you can afford.

A penny earned…

We just covered a lot of tips how to save on 2006 Saab 9-5 insurance. The most important thing to understand is the more times you quote, the higher your chance of finding cheap car insurance. Consumers could even find that the lowest prices are with a company that doesn’t do a lot of advertising. Regional companies can often provide lower rates in certain areas as compared to the big name companies such as Allstate, Geico and Progressive.

When buying insurance coverage, it’s not a good idea to skimp on coverage in order to save money. There are too many instances where consumers will sacrifice physical damage coverage only to regret at claim time that a couple dollars of savings turned into a financial nightmare. Your goal should be to buy enough coverage at an affordable rate, but do not skimp to save money.

More tips and info about insurance can be found by following these links:

Comments About 2006 Saab 9-5 Insurance

  1. Aurelia Webster

    I got quite a few price quotes for a 2006 Saab 9-5 in Warwick, Rhode Island. Ended up at about $320 every six months with American Family. Insured with Hartford before. Ask about discounts. They offer free online rate quotes.

  2. Mi Decker

    I’m in the west part of Kansas City, KS. Received quotes with AIG Insurance, Mercury, and a few others for my 9-5 and saved just over $510 a year. I’m a pretty good driver though.

  3. Veronika Beard

    If you’re a decent driver and are close to Great Falls, Montana, check out State Farm. They seem to be cheaper. Was with Eastwood. I have several vehicles insured with them.

  4. Celina Carpenter

    Good detail in your article. From Milwaukee, WI. Received rates from GEICO, Liberty Mutual, and Farmers for my Saab and cut my rates about $210 a year. Left Farmers to switch. Online quotes are the way to go.

  5. Oliva Butler

    It all costs too much. From Madison, WI. Not sure of all the companies but I ended up saving about $60 each month. Insured with Auto-Owners before.

  6. Derek Davidson

    From a town just southwest of Des Moines, IA. Quoted with 21st Century, AIG Insurance, and Erie for my 2006 Saab 9-5 and saved $503 a year. Insured with Nationwide before. Even increased coverage a bit.

  7. Meredith Anthony

    If you’re a decent driver and live around Mobile, AL, check out Progressive. You might get cheaper rates. Insured with Esurance before. Hopefully won’t need it.

  8. Argelia Duffy

    In Davenport, Iowa, Allstate auto insurance rates for my 2006 Saab 9-5 were good. Insured with Esurance before. Moved home policy as well.

  9. Flora Pollard

    This is too expensive. I live just to the south of Chesapeake, VA. Got quotes with State Farm, Hartford, and Erie for my Saab and saved just over $120 a year. Teenage drivers are expensive! It’s still not cheap enough.

  10. Edyth Woods

    If you have a clean record and are close to Charleston, SC, check out GEICO. You might save some money. I have several vehicles insured with them.

  11. Ayako Everett

    I found pretty cheap rate quotes for a 2006 Saab 9-5 in Chesapeake, VA. Ended up at roughly $300 every six months with Amica. A clean driving record helps.

  12. Yuonne Cash

    In North Charleston, SC, Allstate auto insurance rates for my 2006 Saab 9-5 were good.

  13. Loni Tate

    IT’S ALL TOO EXPENSIVE! From northwest of Wilmington, Delaware. Quoted with Sentry, Eastwood, Progressive, and AAA for my 2006 Saab 9-5 and saved $117 a year. I used their online quote form to compare rates.