Cheaper 2006 Saab 9-3 Insurance Quotes

Overwhelmed by the sheer number of auto insurance options? You’re not alone. There are so many options available that it can easily become a ton of work to find the perfect company for you.

It’s smart to shop coverage around periodically because rates are constantly changing. Even if you got the best price for 9-3 insurance on your last policy you will most likely find a better rate today. Ignore everything you know about auto insurance because I’m going to let you in on the secrets to the tricks you need to know to properly buy coverages while reducing your premium.

Some factors that can determine what Saab 9-3 insurance costs

It’s important that you understand the rating factors that help determine insurance coverage rates. Having a good understanding of what influences your rates allows you to make educated decisions that can help you get much lower annual insurance costs.

The following are some of the items companies use to determine your rates.

  • Never go without insurance – Allowing your insurance coverage policy to lapse is a fast way to increase your insurance coverage rates. Not only will you pay more, but not being able to provide proof of insurance will get you a license revocation or jail time.Then you may be required to file a SR-22 with your state motor vehicle department.
  • Drive less and save money – The higher the mileage driven in a year’s time the higher your rate. Most companies rate vehicles determined by how the vehicle is used. Autos used primarily for pleasure use can get a lower rate as compared to vehicles used primarily for driving to work. Double check that your insurance coverage declarations sheet is showing the correct usage for each vehicle, because it can save money. If your policy improperly rates your 9-3 may be wasting your money.
  • Liability coverage is cheap – Liability coverage is the coverage that protects you if you are found to be at fault for damages caused by your negligence. It provides for a legal defense up to the limits shown on your policy. Carrying liability coverage is mandatory and cheap when compared with rates for comp and collision, so do not cut corners here.
  • A clean driving record saves money – Drivers who don’t get tickets tend to pay less for car insurance than their less careful counterparts. Just one speeding ticket can bump up the cost twenty percent or more. Drivers who get dangerous violations such as DUI or reckless driving may be required to submit a SR-22 form to the state department of motor vehicles in order to prevent a license revocation.

Compare Insurance Coverage Costs

There are a variety of methods to compare 2006 Saab 9-3 insurance coverage quotes, but there is one way that is less labor-intensive and much quicker. You can waste a few hours (or days) talking to insurance agencies in your area, or you can stay home and use online quotes to get pricing more quickly.

All the larger companies participate in an industry program that allows shoppers to send in one quote, and at least one company provides a quote based on the submitted data. This prevents consumers from doing form submissions to each company. To enter your information into the quoting system, click to open in new window.

The one downside to comparing rates this way is that consumers can’t choose which companies to get pricing from. So if you prefer to pick from a list of companies to receive pricing from, we have a listing of low cost insurance coverage companies in your area. Click here for list of insurance companies.

It’s up to you which method you use, but ensure you’re using exactly the same information for every quote you compare. If you use different liability limits it will be very difficult to decipher which rate is best. Having just a slight variation in limits may result in large price differences. And when quoting insurance coverage, remember that more quotes provides better odds of finding better pricing.

Pay less by taking advantage of discounts

Properly insuring your vehicles can get expensive, but you may find discounts to help offset the cost. Some discounts apply automatically when you complete an application, but a few must be asked for prior to receiving the credit.

  • Senior Citizens – If you qualify as a senior citizen, you can possibly qualify for a small decrease in premiums for 9-3 insurance.
  • Resident Student – Any of your kids who are attending college and do not have access to a covered vehicle can be insured at a reduced rate.
  • Student Driver Training – Require your teen driver to successfully complete driver’s ed class if offered at their school.
  • Club Memberships – Affiliation with a professional or civic organization is a good way to get lower rates on insurance coverage for 9-3 insurance.
  • Employee of Federal Government – Simply working for the federal government can earn a discount up to 10% for 9-3 insurance with certain companies.

It’s important to note that many deductions do not apply to your bottom line cost. Most cut specific coverage prices like collision or personal injury protection. So when it seems like you can get free auto insurance, it doesn’t quite work that way. But all discounts will reduce your overall premium however.

To see a list of insurers who offer insurance coverage discounts, click this link.

Your coverage should be tailored to you

When choosing proper insurance coverage for your personal vehicles, there is no cookie cutter policy. Each situation is unique.

For example, these questions can aid in determining whether your personal situation will benefit from professional help.

  • Is business equipment covered while in my vehicle?
  • Is a fancy paint job covered?
  • What is roadside assistance coverage?
  • Does coverage extend to a rental car in a foreign country?
  • Why am I required to buy liability insurance?
  • When would I need additional glass coverage?

If you’re not sure about those questions but a few of them apply, then you may want to think about talking to a licensed insurance agent. To find an agent in your area, fill out this quick form.

Specific coverage details

Understanding the coverages of your auto insurance policy can be of help when determining the right coverages at the best deductibles and correct limits. The coverage terms in a policy can be difficult to understand and even agents have difficulty translating policy wording.

Comprehensive coverage (or Other than Collision)

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

Comprehensive coverage pays for claims like a tree branch falling on your vehicle, damage from a tornado or hurricane, vandalism and hail damage. The most 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.

Insurance for medical payments

Coverage for medical payments and/or PIP kick in for short-term medical expenses for things like funeral costs, EMT expenses, doctor visits and chiropractic care. The coverages can be utilized in addition to your health insurance program or if you do not have health coverage. Medical payments and PIP cover both the driver and occupants and will also cover getting struck while a pedestrian. PIP coverage is not available in all states but can be used in place of medical payments coverage

Collision coverage

This covers damage to your 9-3 resulting from colliding with an object or car. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things like scraping a guard rail, hitting a mailbox and rolling your car. Collision is rather expensive coverage, so you might think about dropping it from older vehicles. Another option is to raise the deductible to get cheaper collision coverage.

Auto liability

This protects you from damages or injuries you inflict on other’s property or people. It protects YOU against other people’s claims, and does not provide coverage for damage sustained by your vehicle in an accident.

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 50/100/50 that means you have a $50,000 limit per person for injuries, $100,000 for the entire accident, and a total limit of $50,000 for damage to vehicles and property. Some companies may use one limit called combined single limit (CSL) which limits claims to one amount and claims can be made without the split limit restrictions.

Liability insurance covers things such as funeral expenses, attorney fees and repair costs for stationary objects. How much liability coverage do you need? That is up to you, but it’s cheap coverage so purchase higher limits if possible.

Uninsured Motorist or Underinsured Motorist insurance

Your UM/UIM coverage provides protection from other drivers when they do not carry enough liability coverage. This coverage pays for 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, their limits can quickly be used up. So UM/UIM coverage is very important. Most of the time these limits are set the same as your liablity limits.

A tidy conclusion

When buying insurance coverage, make sure you don’t skimp on critical coverages to save a buck or two. There have been many cases where consumers will sacrifice physical damage coverage and learned later that a couple dollars of savings turned into a financial nightmare. The proper strategy is to purchase a proper amount of coverage at the best price, not the least amount of coverage.

We just presented quite a bit of information on how to lower your 2006 Saab 9-3 insurance rates. The key concept to understand is the more price quotes you have, the higher your chance of finding lower rates. You may be surprised to find that the best price on auto insurance is with some of the lesser-known companies.

Cheap insurance can be found on the web as well as from independent agents, and you need to price shop both to get a complete price analysis. A few companies don’t offer online quoting and usually these regional insurance providers provide coverage only through local independent agents.

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