Looking for cheaper car insurance rates for your Saab 9-4X? If you’re new to shopping for car insurance quotes online, it’s easy to get bewildered thanks to the incredible selection of insurance providers all promising to save you money.
Consumers need to compare premium rates once or twice a year since prices change quite often. Even if you got the best rates for 9-4X coverage at your last renewal the chances are good that you can find a lower premium rate today. Block out anything you think you know about car insurance because you’re about to learn how to quote online to find better coverage at a better price.
Comparing insurance rates is a ton of work if you aren’t aware of the most efficient way to do it. You could spend the better part of a day driving to local insurance agents in your area, or you can utilize the internet to accomplish the same thing much quicker.
Many insurance companies are enrolled in a marketplace where insurance shoppers only type in their quote data once, and at least one company then gives them pricing. This eliminates the need for quote forms for each company you want a rate for.
To access this free quoting program, click here to start a free quote.
One minor caviat to comparing rates this way is you don’t know exactly which carriers to get quotes from. If you would rather choose specific providers to compare, we have a listing of companies who write insurance in your area. Click to view list.
Whichever way you use, compare exactly the same deductibles and coverage limits with each company. If you have different deductibles you will not be able to get a fair rate comparison. Quoting even small variations in insurance coverages could throw off the whole comparison. And when comparing insurance rates, know that comparing all the rates in your area helps you find the best offered rates.
Car insurance is not cheap nor is it fun to buy but you might be missing out on some discounts that can drop the cost substantially. Larger premium reductions will be automatically applied when you purchase, but some need to be asked about before you get the savings. If you do not check that you are getting every discount available, you could be paying more than you need to.
It’s important to note that most discounts do not apply to the overall cost of the policy. Most cut the price of certain insurance coverages like liability, collision or medical payments. Even though it appears it’s possible to get free car insurance, it just doesn’t work that way.
Popular car insurance companies and some of the premium reductions they offer can be read below.
If you want affordable car insurance quotes, ask every insurance company to give you their best rates. A few discounts might not be offered in your area.
When it comes to choosing proper insurance coverage for your personal vehicles, there is no one size fits all plan. Every insured’s situation is different.
For example, these questions might point out if you could use an agent’s help.
If you’re not sure about those questions but one or more may apply to you, then you may want to think about talking to a licensed agent. To find lower rates from a local agent, simply complete this short form.
Understanding the coverages of car insurance aids in choosing appropriate coverage for your vehicles. The terms used in a policy can be confusing and even agents have difficulty translating policy wording.
Uninsured/Underinsured Motorist coverage
This gives you protection from other drivers when they are uninsured or don’t have enough coverage. This coverage pays for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.
Since many drivers only carry the minimum required liability limits, their limits can quickly be used up. This is the reason having UM/UIM coverage is a good idea. Most of the time your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.
This coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.
Comprehensive insurance covers things like falling objects, a broken windshield, hail damage and fire damage. The most you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.
Medical payments coverage and PIP
Medical payments and Personal Injury Protection insurance reimburse you for expenses such as nursing services, ambulance fees and surgery. They can be used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants and also covers any family member struck as a pedestrian. Personal injury protection coverage is not universally available but can be used in place of medical payments coverage
This coverage covers damage to your 9-4X resulting from colliding with a stationary object or other vehicle. You have to pay a deductible and then insurance will cover the remainder.
Collision insurance covers things like sustaining damage from a pot hole, scraping a guard rail, sideswiping another vehicle and colliding with another moving vehicle. Collision is rather expensive coverage, so consider removing coverage from older vehicles. You can also raise the deductible to get cheaper collision coverage.
Auto liability insurance
This coverage protects you from damages or injuries you inflict on other people or property. This insurance protects YOU from legal claims by others. Liability doesn’t cover your injuries or vehicle damage.
It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You might see policy limits of 100/300/100 that translate to a limit of $100,000 per injured person, a per accident bodily injury limit of $300,000, and a limit of $100,000 paid for damaged property. Another option is one limit called combined single limit (CSL) which combines the three limits into one amount without having the split limit caps.
Liability coverage protects against claims such as repair bills for other people’s vehicles, court costs and medical services. How much liability coverage do you need? That is a personal decision, but you should buy higher limits if possible.