1991 Saab 9000 Car Insurance Rates – 8 Ideas for Cheaper Quotes

Confused by the crazy number of insurance options? Many other consumers are too. You have so many choices that it can turn into more work than you anticipated to locate the lowest price.

Insurance Coverage Comparisons

Most companies such as State Farm and Allstate quote coverage price quotes on the web. Getting online quotes is pretty painless as you simply enter the amount of coverage you want as detailed in the form. When complete, the company’s rating system orders reports for credit and driving violations and gives you a price quote.

Being able to quote online helps simplify price comparisons, but the work required to visit several different sites and enter the same data into a form gets old quite quickly. But it’s absolutely necessary to get many rate quotes in order to find a lower rate.

Quote rates the easy way

A more efficient way to compare rates requires only one form that analyzes rates from many companies. This type of form saves time, reduces the work, and makes online quotes much more enjoyable. As soon as the form is sent, your coverage is rated with multiple companies and you can pick any one of the resulting price quotes. If the quotes result in lower rates, you can simply submit the application and buy the policy. It can be completed in less than 10 minutes and you will know how your current rates stack up.

If you want to compare pricing, simply click here to open in new window and input your coverage information. If you have coverage now, it’s recommended you copy the insurance coverages exactly as they are listed on your policy. This way, you are getting an apples-to-apples comparison for similar insurance coverage.

These eight discounts can slash car insurance rates

Car insurance companies don’t list every discount in a way that’s easy to find, so we researched some of the more common and also the lesser-known ways to save on car insurance.

  • Homeowners Discount – Being a homeowner may earn you a small savings due to the fact that maintaining a home is proof that your finances are in order.
  • Claim Free – Drivers with accident-free driving histories can save substantially as compared to bad drivers.
  • Passive Restraint Discount – Vehicles equipped with air bags and/or automatic seat belt systems can get savings of up to 25% or more.
  • Discount for Swiching Early – Select companies give a discount for switching to them before your current policy expires. The savings is around 10%.
  • Sign Online – A few companies may give you up to $50 for buying your policy online.
  • Pay Now and Pay Less – If you pay your entire premium ahead of time instead of making monthly payments you could save 5% or more.
  • New Vehicle Savings – Putting insurance coverage on a new car can be considerably cheaper since new cars are generally safer.
  • Good Student Discount – A discount for being a good student can get you a discount of up to 25%. The discount lasts up to age 25.

As a disclaimer on discounts, many deductions do not apply to the entire cost. Most only reduce specific coverage prices like comp or med pay. Just because you may think adding up those discounts means a free policy, it just doesn’t work that way.

Insurance companies that may offer these money-saving discounts are:

Before buying, ask all companies you are considering how you can save money. Some discounts might not apply in every state.

When might I need the advice of an agent?

When choosing adequate coverage for your vehicles, there really is not a single plan that fits everyone. Everyone’s situation is unique.

These are some specific questions can aid in determining whether you might need professional guidance.

  • When should I not file a claim?
  • Am I covered if I wreck a rental car?
  • Is my custom paint covered by insurance?
  • Is my 1991 Saab 9000 covered for flood damage?
  • Do I need higher collision deductibles?
  • Is my teenager covered with friends in the car?
  • Is my trailer covered?

If it’s difficult to answer those questions but you know they apply to you, then you may want to think about talking to an insurance agent. To find lower rates from a local agent, fill out this quick form.

Insurance coverages 101

Having a good grasp of a insurance policy can be of help when determining the right coverages for your vehicles. The terms used in a policy can be difficult to understand and nobody wants to actually read their policy.

Uninsured/Underinsured Motorist coverage

This coverage protects you and your vehicle when the “other guys” either have no liability insurance or not enough. It can pay for injuries to you and your family and also any damage incurred to your 1991 Saab 9000.

Because many people have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage reimburse you for immediate expenses for things like hospital visits, funeral costs, chiropractic care and doctor visits. They are used to cover expenses not covered by your health insurance program or if you are not covered by health insurance. Medical payments and PIP cover all vehicle occupants and will also cover being hit by a car walking across the street. Personal injury protection coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Collision insurance

This covers damage to your 9000 resulting from colliding with an object or car. You first must pay a deductible then your collision coverage will kick in.

Collision can pay for claims like colliding with another moving vehicle, hitting a mailbox, sideswiping another vehicle and scraping a guard rail. Paying for collision coverage can be pricey, so consider dropping it from older vehicles. It’s also possible to choose a higher deductible to bring the cost down.

Liability

This will cover injuries or damage you cause to a person or their property. Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have liability limits 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 a total limit of $100,000 for damage to vehicles and property.

Liability coverage pays for claims such as structural damage, loss of income, medical services, attorney fees and pain and suffering. How much liability coverage do you need? That is up to you, but it’s cheap coverage so purchase higher limits if possible.

Comprehensive coverage

This coverage will pay to fix damage that is not covered by collision coverage. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive can pay for claims like rock chips in glass, fire damage, damage from a tornado or hurricane and hitting a deer. The highest amount you’ll receive from a claim is the cash value of the vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.