2006 Saab 9-7X Car Insurance Quotes – 8 Savings Tips

Want cheaper auto insurance rates for your Saab 9-7X? Nobody that owns a car fancies paying their premiums for auto insurance, in particular when they could find better rates elsewhere. Consumers have many car insurance companies to pick from, and though it is a good thing to have a choice, it can be more challenging to find the lowest rates.

Compare free insurance rate quotes

Most major insurance companies like Progressive, Geico, Allstate and State Farm allow you to get prices for coverage on their websites. Getting online quotes can be done by anyone as all you need to do is type in your coverage preferences into the form. Behind the scenes, their system will order your credit score and driving record and generates a price based on many factors. This helps simplify price comparisons, but the work required to visit a lot of sites and type in the same information can be a bit tiresome and repetitive. But it’s very important to do this in order to find better insurance pricing.

The easiest way to find better insurance pricing uses one form that obtains quotes from a lot of companies. It’s a real time-saver, requires less work, and makes price shopping online a little more enjoyable. As soon as you send your information, your coverage is rated and you can select any one of the quotes that you receive.

If you find a better price you can click and sign and purchase the new policy. The whole process can be completed in a matter of minutes and could lower your rates considerably.

To quickly compare rates now, click here to open in new window and input your coverage information. If you have your current policy handy, we recommend that you enter your coverages just like they are on your policy. This guarantees you will be getting rate quotes for the exact same coverage.

The ad said I’d save $458 a year!

Drivers can’t get away from all the ads for car insurance savings by Progressive, Geico, Allstate and State Farm. All the ads state the claim that drivers will save a bundle if you just switch your policy.

How does every car insurance company make the same claim? It’s all in how they say it.

Many companies provide the lowest rates for the type of customer that earns them a profit. For example, a driver they prefer may be between the ages of 30 and 50, has never had a policy lapse, and insures a new vehicle. Anyone that hits that “sweet spot” may get the lowest auto insurance rates and most likely will save money with a new company.

Insureds who don’t qualify for these standards will get higher premiums which usually ends up with the prospect going elsewhere. Company advertisements say “drivers who switch” not “all people who quote” save the amount stated. This is how insurance companies can claim big savings.

This emphasizes why you really need to compare many company’s prices. Because you never know the company that will have the best premium rates for your profile.

Don’t overlook these eight insurance discounts

The price of auto insurance can be rather high, but you can get discounts to help bring down the price. Some discounts apply automatically when you get a quote, but once in a while a discount must be requested specifically before they will apply.

• Telematics Devices – Drivers that enable their insurance company to spy on driving habits by using a telematics device in their vehicle such as Allstate’s Drivewise and State Farm’s In-Drive system might see lower rates if they exhibit good driving behavior.
• Renewal Discounts – A few insurance companies offer discounts for buying a new policy before your current expiration date. Ten percent is about the average savings.
• Include Life Insurance and Save – If the company offers life insurance, you could get a discounted rate on car insurance if you buy a life policy as well.
• Use Seat Belts – Using a seat belt and requiring all passengers to buckle up before driving could cut 10% or more off the medical payments premium.
• Driver Training Discounts – Completing a defensive driving course could save 5% or more depending on where you live.
• 55 and Retired – Drivers that qualify as senior citizens can possibly qualify for a small discount on rates on 9-7X coverage.
• Distant College Student Discount – who attend college more than 100 miles from home without a vehicle on campus can receive lower rates.
• ABS and Traction Control Discounts – Cars with ABS braking systems or traction control can stop better under adverse conditions and qualify for as much as a 10% discount.

A little disclaimer on discounts, most discounts do not apply to your bottom line cost. Most only cut specific coverage prices like collision or personal injury protection. Just because it seems like having all the discounts means you get insurance for free, you’re out of luck. Any amount of discount will lower the amount you pay for coverage.

Some of the larger companies that have some of the above discounts include:

• State Farm
• Geico
• Progressive
• 21st Century
• American Family
• The Hartford
• AAA

Before purchasing a policy, check with every company how many discounts you can get. Some discounts listed above might not be available to policyholders in your area. For a list of insurance companies that offer many of these discounts, follow this link.

When to get professional advice

When buying the right insurance coverage, there is no single plan that fits everyone. Each situation is unique so your insurance needs to address that. For instance, these questions can help discover whether you would benefit from an agent’s advice.

• Do I have coverage when making deliveries for my home business?
• Does my medical payments coverage pay my health insurance deductible?
• Do I have any recourse if my insurance company denies a claim?
• Why is insurance for a teen driver so high?
• Why am I required to get a high-risk car insurance policy?
• Is my Saab 9-7X covered if I use it for business?
• Do I pay less if my vehicle is kept in my garage?
• Does my car insurance cover rental cars?
• Is motorclub coverage worth it?
• What if I total my 2006 Saab 9-7X and owe more than it’s worth?

If you can’t answer these questions, then you may want to think about talking to an agent. To find lower rates from a local agent, fill out this quick form or click here for a list of car insurance companies in your area. It’s fast, doesn’t cost anything and can help protect your family.

Car insurance coverage information

Understanding the coverages of a insurance policy can be of help when determining which coverages you need at the best deductibles and correct limits. The coverage terms in a policy can be difficult to understand and even agents have difficulty translating policy wording. Below you’ll find typical coverages found on the average insurance policy.

Collision protection

Collision coverage will pay to fix damage to your 9-7X resulting from colliding with another car or object. A deductible applies and then insurance will cover the remainder.

Collision coverage pays for things such as crashing into a ditch, scraping a guard rail and backing into a parked car. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are older. It’s also possible to increase the deductible to save money on collision insurance.

Uninsured Motorist or Underinsured Motorist insurance

Your UM/UIM coverage protects you and your vehicle from other motorists when they either are underinsured or have no liability coverage at all. It can pay for hospital bills for your injuries as well as your vehicle’s damage.

Since a lot of drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages should not be overlooked. Frequently the UM/UIM limits are identical to your policy’s liability coverage.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims such as theft, damage from a tornado or hurricane, vandalism, fire damage and hitting a bird. The maximum amount a insurance company will pay at claim time is the market value of your vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Liability coverages

Liability insurance can cover damages or injuries you inflict on other’s property or people by causing an accident. It protects YOU from claims by other people. Liability doesn’t cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. Your policy might show values of 100/300/100 which stand for a $100,000 limit per person for injuries, a total of $300,000 of bodily injury coverage per accident, and $100,000 of coverage for damaged propery. Another option is one number which is a combined single limit which limits claims to one amount and claims can be made without the split limit restrictions.

Liability coverage pays for things such as emergency aid, funeral expenses, legal defense fees and attorney fees. The amount of liability coverage you purchase is up to you, but consider buying as large an amount as possible.

Insurance for medical payments

Medical payments and Personal Injury Protection insurance provide coverage for bills such as funeral costs, prosthetic devices and EMT expenses. The coverages can be utilized in addition to your health insurance policy or if you do not have health coverage. Medical payments and PIP cover both the driver and occupants and will also cover if you are hit as a while walking down the street. Personal injury protection coverage is only offered in select states and may carry a deductible

Get your money’s worth

Some insurance coverage companies may not provide online price quotes and many times these regional carriers only sell through local independent agents. Budget-friendly insurance coverage can be found on the web as well as from independent agents, and you should compare rates from both so you have a total pricing picture.

When you buy insurance coverage online, don’t be tempted to skimp on coverage in order to save money. In many cases, an accident victim reduced uninsured motorist or liability limits and discovered at claim time they didn’t purchase enough coverage. Your objective should be to buy enough coverage at the lowest possible cost.

More tips and info about insurance coverage is available by following these links:

• How to Avoid Common Accidents (State Farm)
• Vehicle Insurance (Wikipedia)
• Can I Drive Legally without Insurance? (Insurance Information Insitute)
• Auto Theft Statistics (Insurance Information Insitute)
• Prom Night Tips for Teen Drivers (State Farm)
• Auto Insurance Basics (Insurance Information Insitute)