Lower Your 2010 Saab 9-3 Car Insurance Quotes

Searching for the cheapest insurance for a Saab 9-3 could be an all-consuming task, but you can use our insurance buying tips to find lower rates. There is a better way to buy insurance so we’re going to tell you the absolute fastest way to price shop coverage for your Saab and get the best price possible from local insurance agents and online providers.

You should take the time to take a look at other company’s rates as often as possible because insurance rates tend to go up over time. Just because you had the lowest premium rates for 9-3 coverage last year there may be better deals available now. Forget anything you know (or think you know) about insurance because you’re about to learn one of the quickest ways to properly buy coverages while reducing your premium.

Buying car insurance is easy if you know what you’re doing. If you are insured now or need a new policy, you can learn to find better prices and still get good coverage. Consumers only need an understanding of the best way to get comparison quotes online.

Lower rates by qualifying for discounts

Not many people think insurance is cheap, but you may find discounts to reduce the price significantly. Certain discounts will be triggered automatically when you get a quote, but some must be asked for before they will apply.

• Discounts for New Vehicles – Buying a new car model can save up to 30% due to better safety requirements for new model year vehicles.
• Student Driver Training – Have your child enroll and complete driver’s education if offered at their school.
• Smart Student Discounts – Getting good grades can be rewarded with saving of up to 25%. The good student discount can last until age 25.
• Good Drivers – Drivers without accidents can get discounts for up to 45% lower rates for 9-3 coverage than less cautious drivers.
• Anti-lock Brakes – Cars and trucks with ABS and/or traction control have fewer accidents so you can save 10 percent or more.
• More Vehicles More Savings – Buying insurance for several vehicles with one company may reduce the rate for each vehicle.
• Passenger Safety Discount – Vehicles equipped with air bags may get savings of 25 to 30%.
• Government Employee Discount – Active or former government employment can earn a discount up to 10% for 9-3 coverage depending on your insurance coverage provider.
• Early Payment Discounts – If you pay your entire premium ahead of time instead of paying each month you may have a lower total premium amount.
• Theft Deterent System – Cars with anti-theft systems prevent vehicle theft and can earn a small discount on your policy.

Please keep in mind that most discount credits are not given to your bottom line cost. Most only apply to specific coverage prices like comp or med pay. So even though you would think having all the discounts means you get insurance for free, nobody gets a free ride.

Some of the larger companies that have these benefits include:

• Progressive
• MetLife
• Mercury Insurance
• Nationwide
• Geico
• AAA

When quoting, ask every company which discounts you may be entitled to. Some of the earlier mentioned discounts may not be offered in your area. To choose insurers that can offer you the previously mentioned discounts, follow this link.

Insurance is unique, just like you

When choosing the best insurance coverage for your vehicles, there really is not a cookie cutter policy. Each situation is unique.

These are some specific questions may help highlight whether your personal situation could use an agent’s help.

• Where can I find DUI or SR-22 insurance?
• I have good health insurance, so how much medical payments coverage do I need?
• What is the minimum liability in my state?
• Can I get a multi-policy discount?
• Is my cargo covered for damage or theft?
• Am I better off with higher deductibles on my 2010 Saab 9-3?
• When would I need additional glass coverage?
• Will filing a claim cost me more?
• Do I need added coverage for expensive stereo equipment?
• Do I need higher collision deductibles?

If you can’t answer these questions then you might want to talk to a licensed insurance agent. If you don’t have a local agent, fill out this quick form. It is quick, free and you can get the answers you need.

Coverages available on your policy

Having a good grasp of your car insurance policy can help you determine the best coverages and the correct deductibles and limits. Policy terminology can be impossible to understand and nobody wants to actually read their policy.

Liability coverage – Liability coverage can cover damages or injuries you inflict on people or other property. This coverage protects you against claims from other people, and does not provide coverage for your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You might see policy limits of 50/100/50 which stand for a $50,000 limit per person for injuries, a limit of $100,000 in injury protection per accident, and $50,000 of coverage for damaged propery.

Liability can pay for things like bail bonds, medical expenses, repair bills for other people’s vehicles, pain and suffering and court costs. How much liability coverage do you need? That is up to you, but it’s cheap coverage so purchase higher limits if possible.

Coverage for medical expenses – Coverage for medical payments and/or PIP pay for bills for EMT expenses, ambulance fees and funeral costs. They are often used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover you and your occupants and will also cover getting struck while a pedestrian. PIP is not an option in every state but it provides additional coverages not offered by medical payments coverage

Coverage for uninsured or underinsured drivers – Uninsured or Underinsured Motorist coverage protects you and your vehicle when the “other guys” either have no liability insurance or not enough. This coverage pays for medical payments for you and your occupants as well as damage to your Saab 9-3.

Due to the fact that many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is a good idea.

Collision – Collision coverage covers damage to your 9-3 from colliding with another car or object. You first must pay a deductible then your collision coverage will kick in.

Collision coverage protects against claims such as backing into a parked car, hitting a parking meter, colliding with another moving vehicle and crashing into a building. This coverage can be expensive, so consider removing coverage from vehicles that are older. Drivers also have the option to increase the deductible to bring the cost down.

Comprehensive car insurance – This pays to fix your vehicle from damage from a wide range of events other than collision. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against things such as damage from flooding, a broken windshield, damage from getting keyed, hitting a deer and fire damage. The maximum payout you’ll receive from a claim is the actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Get your money’s worth

As you shop your coverage around, don’t be tempted to buy poor coverage just to save money. There are too many instances where drivers have reduced full coverage only to discover later that the few dollars in savings costed them thousands. Your objective should be to find the BEST coverage for the lowest cost and still be able to protect your assets.

Some insurance providers may not have rates over the internet regional insurance providers prefer to sell through independent agents. Low-cost 2010 Saab 9-3 insurance can be found online and with local insurance agents, and you need to comparison shop both so you have a total pricing picture.

We’ve covered many ways to lower your 2010 Saab 9-3 insurance auto insurance rates. The most important thing to understand is the more companies you get premium rates for, the better chance you’ll have of finding inexpensive car insurance. You may even discover the biggest savings come from an unexpected company.

For more information, link through to these articles:

• Understanding Rental Car Insurance (Insurance Information Insitute)
• Choosing an Insurance Company (Insurance Information Insitute)
• Information for Teen Drivers (Geico)
• Cellphones, Texting and Driving (iihs.org)
• Top Signs Your Brakes are Giving Out (State Farm)