View 2004 Saab 9-3 Insurance Rates

Want better insurance coverage rates for your Saab 9-3? Scraping up a payment for overpriced Saab 9-3 insurance can drain your savings account and put a big crunch on your finances. Comparison shopping is a great way to reduce premiums and put more money in your pocket.

Consumers have many car insurance companies to choose from, and although it’s a good thing to be able to choose, having more auto insurance companies makes it harder to find the best rates.

Consumers should take time to shop coverage around every six months because insurance rates go up and down regularly. Even if you got the best rates on 9-3 coverage two years ago other companies may now be cheaper. Starting right now, forget all the misinformation about insurance coverage because it’s time to teach you the fastest and easiest way to save money, get proper coverage and the best rates.

Where Can I Get Cheap Insurance Coverage?

There are a variety of methods you can shop for 2004 Saab 9-3 insurance coverage but there is one way that is less time-consuming than others. You could spend the better part of a day discussing policy coverages with agents in your area, or you could use online quotes to accomplish the same thing much quicker.

Many of the larger companies participate in an industry program where prospective buyers submit their information once, and each participating company then gives them pricing based on that information. This system prevents you from having to do quotation requests to every company. To get comparison pricing now click here (opens in new window).

One minor caviat to using this type of system is that you can’t choose the companies to get pricing from. So if you want to choose specific insurance companies for rate comparison, we have assembled a list of the cheapest insurance coverage companies in your area. Click here for list of insurance companies.

It’s your choice how you get your quotes, but double check that you are using the exact same deductibles and coverage limits for every quote you compare. If you compare different limits and deductibles on each one you can’t possibly make a fair comparison for your Saab 9-3. Having just a slight variation in coverage limits could mean much higher rates. And when quoting insurance coverage, remember that quoting more will enable you to find a lower rate.

Cut your car insurance rates with discounts

Insurance can be prohibitively expensive, but you may find discounts to help offset the cost. Most are applied at the time of purchase, but a few need to be specifically requested before being credited.

  • Good Students Pay Less – This discount can get you a discount of up to 25%. The discount lasts up to age 25.
  • Theft Prevention Discount – Vehicles equipped with anti-theft or alarm systems help deter theft and qualify for as much as a 10% discount.
  • Passive Restraints – Cars that have air bags and/or automatic seat belt systems may earn rate discounts of 20% or more.
  • Anti-lock Brake Discount – Vehicles equipped with ABS or steering control prevent accidents and therefore earn up to a 10% discount.
  • Seat Belts Save more than Lives – Drivers who require all occupants to use a seat belt could save 15% on the medical payments or PIP coverage costs.
  • Claim Free – Good drivers with no accidents can save substantially when compared with accident-prone drivers.
  • Senior Citizens – If you qualify as a senior citizen, you may qualify for a small decrease in premiums on 9-3 coverage.
  • Federal Employees – Employees or retirees of the government could cut as much as 10% off on 9-3 coverage with certain companies.

Consumers should know that most discounts do not apply to the entire policy premium. Most cut individual premiums such as liability, collision or medical payments. Even though it may seem like it’s possible to get free car insurance, companies don’t profit that way. But all discounts will cut the amount you have to pay.

To see a list of companies with the best car insurance discounts, follow this link.

Saab 9-3 rates are in the details

Consumers need to have an understanding of the rating factors that go into determining the price you pay for insurance. Understanding what determines base rates empowers consumers to make smart changes that may reward you with big savings.

Listed below are a few of the “ingredients” used by your company to calculate rates.

  • Your age impacts your rates – Older insureds are more cautious drivers, statistically cause fewer accidents and get fewer tickets. Youthful drivers are statistically proven to get distracted easily when behind the wheel and because of this, their insurance rates are much higher.
  • Your stress level may be raising your rates – Did you know your occupation can influence how much you pay for insurance? Occupations such as judges, social workers and dentists tend to have the highest average rates attributed to stressful work requirements and lots of time spent at work. Other jobs such as pilots, historians and homemakers receive lower rates on 9-3 coverage.
  • Males pay more for insurance – Statistics have proven that men are more aggressive behind the wheel. However, don’t assume that men are worse drivers. Men and women tend to get into accidents at a similar rate, but the men cause more damage and cost insurance companies more money. Men also statistically receive more costly citations such as reckless driving.
  • Higher deductibles cost less – Coverage for physical damage, also known as collision and other-than-collision, is used to repair damage to your Saab. Some instances where coverage would apply are a windshield shattered by a rock, vandalism, and rolling your vehicle. The deductibles are how much you are willing to pay if you file a covered claim. The more you are required to pay out-of-pocket, the lower your rates will be on 9-3 coverage.
  • Consolidate policies to earn discounts – Many insurance companies will award you with lower prices to people who carry more than one policy such as combining an auto and homeowners policy. Discounts can add up to ten or even up to twenty percent in some cases. If you currently are using one company, it’s in your best interest to compare rates to make sure you are getting the best deal.
  • Lower miles equals lower premium – The more you drive every year the more you’ll pay to insure your vehicle. Most insurance companies charge to insure your cars based on how the vehicle is used. Vehicles that are left in the garage can get a lower rate compared to those used for work or business. Verify your insurance policy is rated on the correct driver usage, because it can save money. Incorrect usage on your 9-3 can result in significantly higher rates.
  • Extra add-on coverages are wasting money – There are a lot of extra coverages that you can buy on your insurance policy. Coverages like rental car reimbursement, towing coverage and term life insurance may be wasting your money. They may seem like a good idea when talking to your agent, but if they’re wasting money get rid of them and save.
  • Pay less if you’re married – Getting married can actually save you money on insurance. Having a spouse usually means you are more responsible it has been statistically shown that drivers who are married are more cautious.

You are unique and your car insurance should be too

When it comes to buying the best car insurance coverage, there really is no best way to insure your cars. Each situation is unique so your insurance needs to address that. For instance, these questions could help you determine if you may require specific advice.

  • Can my babysitter drive my car?
  • How can I find cheaper teen driver insurance?
  • Is there coverage for injuries to my pets?
  • What if I don’t agree with a claim settlement offer?
  • Can I afford to buy a different vehicle if my 2004 Saab 9-3 is totaled?
  • Is upholstery damage covered by car insurance?
  • Do I have coverage when making deliveries for my home business?
  • Do I need medical payments coverage since I have good health insurance?
  • Can I rent a car in Mexico?

If you’re not sure about those questions but you know they apply to you, you might consider talking to an agent. If you want to speak to an agent in your area, simply complete this short form or click here for a list of car insurance companies in your area.

Insurance coverage options for a Saab 9-3

Knowing the specifics of your policy helps when choosing the right coverages and proper limits and deductibles. The coverage terms in a policy can be difficult to understand and nobody wants to actually read their policy. Shown next are typical coverages found on the average insurance policy.

Medical costs insurance

Medical payments and Personal Injury Protection insurance kick in for immediate expenses such as doctor visits, X-ray expenses and chiropractic care. They are utilized in addition to your health insurance program or if you are not covered by health insurance. It covers not only the driver but also the vehicle occupants in addition to any family member struck as a pedestrian. PIP coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Auto liability

Liability insurance will cover damage or injury you incur to other’s property or people. This coverage protects you against claims from other people, and does not provide coverage for damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. Your policy might show limits of 100/300/100 which means a $100,000 limit per person for injuries, a total of $300,000 of bodily injury coverage per accident, and property damage coverage for $100,000. Occasionally you may see one number which is a combined single limit that pays claims from the same limit with no separate limits for injury or property damage.

Liability coverage pays for claims like pain and suffering, medical expenses, repair costs for stationary objects, attorney fees and emergency aid. How much liability should you purchase? That is a decision to put some thought into, but you should buy higher limits if possible.

Auto collision coverage

Collision coverage will pay to fix damage to your 9-3 from colliding with another vehicle or an object, but not an animal. You have to pay a deductible then your collision coverage will kick in.

Collision coverage pays for claims such as colliding with a tree, sideswiping another vehicle, hitting a parking meter, crashing into a building and backing into a parked car. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from older vehicles. Another option is to raise the deductible in order to get cheaper collision rates.

UM/UIM Coverage

Your UM/UIM coverage protects you and your vehicle when other motorists either have no liability insurance or not enough. Covered claims include medical payments for you and your occupants and also any damage incurred to your Saab 9-3.

Because many people have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is very important. Most of the time your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Comprehensive or Other Than Collision

This coverage pays for damage OTHER than collision with another vehicle or object. A deductible will apply then your comprehensive coverage will pay.

Comprehensive can pay for things like theft, hitting a bird and vandalism. The highest amount you’ll receive from a claim is the cash value of the vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Saving money is sweet as honey

Low-cost 2004 Saab 9-3 insurance can be bought both online as well as from independent agents, and you need to comparison shop both to have the best selection. There are still a few companies who don’t offer the ability to get a quote online and most of the time these small insurance companies sell through independent agents.

As you shop your coverage around, you should never reduce coverage to reduce premium. There are too many instances where someone dropped liability limits or collision coverage only to regret that a couple dollars of savings turned into a financial nightmare. The proper strategy is to purchase plenty of coverage at the best price.

To read more, feel free to visit the following helpful articles: