Compare 1998 Saab 9000 Car Insurance Rates

Buyers have lots of choices when searching for the best price on Saab 9000 insurance. They can either waste time contacting agents to get rate comparisons or save time using the internet to make rate comparisons.

There is a right way and a wrong way to compare car insurance rates so we’re going to tell you the quickest way to price shop coverage for a new or used Saab and locate the best price possible.

It’s important to get comparison quotes yearly because rates are variable and change quite frequently. If you had the best deal on 9000 insurance on your last policy a different company probably has better rates today. Starting now, ignore everything you know about car insurance because it’s time to teach you one of the quickest ways to lower your annual insurance bill.

Free Quotes for Insurance Coverage

There are several ways you can shop for Saab 9000 insurance coverage but some are more efficient than others. You could spend your day talking about coverages with insurance agencies in your area, or you can utilize the internet to accomplish the same thing much quicker.

Many popular insurance companies participate in an industry program where prospective buyers complete one form, and each participating company returns a rated price determined by their information. This saves time by eliminating repetitive form submissions for each company.

To compare pricing click here (opens in new window).

The only downside to getting quotes like this is that consumers can’t choose the companies you will receive quotes from. So if you want to choose from a list of companies to request quotes from, we put together a list of insurance coverage companies in your area. Click here to view list.

Which method you use is up to you, but make darn sure you compare identical quote information for each comparison quote. If you are comparing mixed coverages it’s impossible to truly determine the lowest rate.

Save money by taking advantage of these discounts

Insuring your fleet can be pricey, but companies offer discounts to help bring down the price. Larger premium reductions will be automatically applied at quote time, but some may not be applied and must be specifically requested prior to getting the savings. If you’re not getting every credit you qualify for, you are throwing money away.

  • Bundle and Save – If you insure your home and vehicles with one insurance company you could get a discount of up to 20% off your total premium.
  • Service Members Pay Less – Being on active duty in the military can result in better rates.
  • Safe Drivers – Insureds without accidents may receive a discount up to 45% less on 9000 insurance than their less cautious counterparts.
  • Save over 55 – If you qualify as a senior citizen, you may receive a discount up to 10% on 9000 insurance.
  • Good Student Discount – Performing well in school can save 20 to 25%. Earning this discount can benefit you well after school through age 25.
  • Own a Home – Simply owning a home may trigger a car insurance policy discount because owning a home demonstrates responsibility.
  • Driver Safety – Taking a driver safety course could possibly earn you a 5% discount and easily recoup the cost of the course.

Keep in mind that most discount credits are not given to the entire cost. Most only cut the price of certain insurance coverages like medical payments or collision. Just because it seems like all those discounts means the company will pay you, you won’t be that lucky. Any amount of discount will reduce the amount you have to pay.

Insurance companies that possibly offer these discounts are:

Before buying, ask every prospective company how you can save money. Discounts may not be available in your state.

When should I use an insurance agent?

When it comes to choosing the right insurance coverage for your vehicles, there really is no cookie cutter policy. Everyone’s needs are different.

These are some specific questions can help discover if your situation would benefit from an agent’s advice.

  • Are my friends covered when driving my car?
  • When should I not file a claim?
  • Are there companies who specialize in insuring high-risk drivers?
  • How high should deductibles be on a 1998 Saab 9000?
  • Does insurance cover tools stolen from my truck?
  • Is a blown tire covered by insurance?
  • When can I cancel my policy?
  • I have a DUI can I still get coverage?
  • Am I covered when driving a rental car?
  • Are rental cars covered under my policy?

If it’s difficult to answer those questions but a few of them apply, you might consider talking to an insurance agent. If you want to speak to an agent in your area, take a second and complete this form. It’s fast, free and can provide invaluable advice.

Information about specific coverages

Learning about specific coverages of car insurance helps when choosing the right coverages at the best deductibles and correct limits. The coverage terms in a policy can be ambiguous and even agents have difficulty translating policy wording.

Collision protection

Collision coverage will pay to fix damage to your 9000 caused by collision with another vehicle or an object, but not an animal. You have to pay a deductible and then insurance will cover the remainder.

Collision can pay for claims like colliding with another moving vehicle, crashing into a building, rolling your car, driving through your garage door and colliding with a tree. Paying for collision coverage can be pricey, so consider dropping it from lower value vehicles. It’s also possible to raise the deductible to bring the cost down.

UM/UIM Coverage

This coverage protects you and your vehicle from other drivers when they are uninsured or don’t have enough coverage. Covered losses include hospital bills for your injuries and damage to your Saab 9000.

Since many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is very important. Normally your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Liability

Liability coverage can cover damage that occurs to other people or property that is your fault. This coverage protects you against other people’s claims. Liability doesn’t cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see policy limits of 50/100/50 that means you have a limit of $50,000 per injured person, a per accident bodily injury limit of $100,000, and a limit of $50,000 paid for damaged property. Occasionally you may see a combined limit which provides one coverage limit and claims can be made without the split limit restrictions.

Liability coverage protects against things like bail bonds, court costs, medical services, structural damage and attorney fees. How much liability should you purchase? That is your choice, but buy as large an amount as possible.

Comprehensive or Other Than Collision

This coverage covers damage OTHER than collision with another vehicle or object. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims like fire damage, a broken windshield, hail damage, falling objects and rock chips in glass. The maximum payout you’ll receive from a claim is the market value of your vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Medical costs insurance

Med pay and PIP coverage pay for short-term medical expenses for dental work, prosthetic devices, surgery, rehabilitation expenses and doctor visits. The coverages can be utilized in addition to your health insurance policy or if you are not covered by health insurance. Coverage applies to all vehicle occupants in addition to if you are hit as a while walking down the street. Personal Injury Protection is not available in all states but can be used in place of medical payments coverage