How Much Does 2003 Saab 9-3 Insurance Cost?

Searching for cheaper insurance coverage rates for your Saab 9-3? Nobody I know enjoys paying for insurance coverage, in particular when their premiums are too high.

You have so many auto insurance companies to purchase coverage from, and even though it’s nice to be able to choose, so many choices can make it hard to find the lowest cost provider.

Verify you’re getting all your discounts

Insurance can be prohibitively expensive, but discounts can save money and there are some available that can drop the cost substantially. Most are applied when you quote, but some may not be applied and must be requested specifically before being credited.

  • Senior Discount – Mature drivers may receive reduced rates for 9-3 insurance.
  • Distant Student – Any of your kids who attend school more than 100 miles from home and do not have access to a covered vehicle can be insured at a reduced rate.
  • Discount for Good Grades – Getting good grades can earn a discount of 20% or more. The discount lasts up until you turn 25.
  • Early Signing – A few companies offer discounts for signing up before your current expiration date. This can save 10% or more.
  • Anti-lock Brake System – Vehicles equipped with ABS or steering control can avoid accidents and therefore earn up to a 10% discount.

It’s important to understand that some of the credits will not apply the the whole policy. Some only reduce the price of certain insurance coverages like liability and collision coverage. Just because it seems like you would end up receiving a 100% discount, you’re out of luck. Any qualifying discounts will help reduce the cost of coverage.

To see a list of providers offering car insurance discounts, click here.

Saab 9-3 insurance rates consist of many parts

An important part of buying insurance is that you know the factors that come into play when calculating the rates you pay for auto insurance. Knowing what controls the rates you pay helps enable you to make changes that will entitle you to much lower annual insurance costs.

  • Do you need those extra coverages? – There are many add-on coverages you can purchase on your 9-3 policy. Coverages for vanishing deductibles, better glass coverage and membership fees may be wasting your money. These may sound like a good investment initially, but your needs may have changed so eliminate them to save money.
  • No coverage gaps is important – Driving with no insurance can get your license suspended and your next policy will cost more because you let your coverage lapse. Not only will you pay more, but not being able to provide proof of insurance might get you a license revocation or jail time.
  • Better crash test results mean better rates – Safer cars are cheaper to insure. Safe vehicles reduce injuries and lower injury rates means less money paid by your insurance company and lower rates for you. If the Saab 9-3 is rated at least four stars on Safercar.gov you may qualify for a discount.
  • Younger drivers pay higher rates – Young drivers are known to be less responsible when driving so they pay higher auto insurance rates. Adding a youthful driver onto a policy can be very expensive. More mature drivers tend to be more responsible, statistically cause fewer accidents and receive fewer citations.
  • Your location affects your rates – Choosing to live in a small town is a positive aspect when insuring your vehicles. Fewer drivers translates into fewer accidents and a lower car theft rate. Drivers in populated areas regularly have more traffic problems and much longer commute distances. Higher commute times means higher likelihood of an accident.

When should I talk to an agent?

When it comes to buying adequate coverage, there is no perfect coverage plan. Everyone’s situation is unique so your insurance needs to address that. For instance, these questions could help you determine if your situation could use an agent’s help.

  • Is my custom paint covered by insurance?
  • I have good health insurance, so how much medical payments coverage do I need?
  • Will filing a claim cost me more?
  • How much can I save by bundling my policies?
  • How many claims can I have before being cancelled?
  • Is pleasure use cheaper than using my 2003 Saab 9-3 to commute?

If you can’t answer these questions, you might consider talking to an agent. To find an agent in your area, fill out this quick form or click here for a list of car insurance companies in your area.

Auto insurance coverage information

Knowing the specifics of auto insurance helps when choosing which coverages you need for your vehicles. The terms used in a policy can be difficult to understand and even agents have difficulty translating policy wording. Listed below are typical coverages found on most auto insurance policies.

Medical payments coverage and PIP

Medical payments and Personal Injury Protection insurance pay for immediate expenses like prosthetic devices, ambulance fees, rehabilitation expenses, pain medications and surgery. They are often used in conjunction with a health insurance program or if you lack health insurance entirely. They cover not only the driver but also the vehicle occupants as well as any family member struck as a pedestrian. Personal Injury Protection is not universally available and gives slightly broader coverage than med pay

Uninsured/Underinsured Motorist coverage

This coverage provides protection from other drivers when they do not carry enough liability coverage. Covered claims include medical payments for you and your occupants as well as damage to your Saab 9-3.

Since a lot of drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is a good idea. Normally these limits are set the same as your liablity limits.

Collision coverage

This pays for damage to your 9-3 resulting from colliding with another car or object. You first must pay a deductible and then insurance will cover the remainder.

Collision insurance covers claims like colliding with a tree, crashing into a ditch, hitting a parking meter and backing into a parked car. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. You can also choose a higher deductible in order to get cheaper collision rates.

Comprehensive coverage

This coverage pays for damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage pays for claims such as rock chips in glass, fire damage, a broken windshield, a tree branch falling on your vehicle and theft. The maximum amount a auto insurance company will pay at claim time is the actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Liability insurance

Liability coverage can cover damage that occurs to people or other property by causing an accident. This insurance protects YOU against other people’s claims. 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. You commonly 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 a combined limit which provides one coverage limit and claims can be made without the split limit restrictions.

Liability coverage pays for things like funeral expenses, repair costs for stationary objects, repair bills for other people’s vehicles and loss of income. How much coverage you buy is a decision to put some thought into, but consider buying as large an amount as possible.

Best coverage at the best price

Discount 2003 Saab 9-3 insurance can be bought online and also from your neighborhood agents, and you should compare price quotes from both to have the best chance of lowering rates. Some companies may not provide the ability to get a quote online and usually these regional insurance providers provide coverage only through local independent agents.

As you shop your coverage around, it’s a bad idea to sacrifice coverage to reduce premiums. There are many occasions where an insured cut full coverage only to regret at claim time that the savings was not a smart move. The proper strategy is to buy a smart amount of coverage at a price you can afford while still protecting your assets.

We just showed you many tips how you can lower your insurance rates. The key thing to remember is the more you quote, the better likelihood of reducing your rate. Drivers may discover the best prices are with an unexpected company. Some small companies may cover specific market segments cheaper than their larger competitors like State Farm or Progressive.

Other information