2007 Saab 9-3 Insurance Cost – 6 Tips for Cheapest Prices

Finding and buying car insurance is not a process people enjoy doing, but it has to be done before you can go for a ride.

If you are paying for car insurance now, you will be able to reduce your rates substantially using these methods. This information will familiarize you with how car insurance quotes work and some tricks to saving. But consumers benefit from understanding the way insurance companies sell insurance online and apply this information to your search.

Discounts mean cheaper Saab 9-3 insurance rates

Insuring your fleet can be pricey, buy you may qualify for discounts that you may not know about. Some discounts apply automatically when you get a quote, but lesser-known reductions have to be specifically requested before you will receive the discount.

  • Multiple Vehicles – Buying insurance for multiple vehicles on one policy may reduce the rate for each vehicle.
  • Multiple Policy Discount – If you have multiple policies with the same company you may earn up to 20% off your total premium.
  • Passive Restraints – Factory air bags or automatic seat belts may earn rate discounts of 20% or more.
  • Government Employees – Being employed by or retired from a federal job can save as much as 8% on 9-3 coverage depending on your company.
  • Senior Discount – If you’re over the age of 55, you can possibly qualify for better insurance rates on 9-3 coverage.
  • Homeowners Discount – Being a homeowner may earn you a small savings because owning a home demonstrates responsibility.

A little note about advertised discounts, some of the credits will not apply the the whole policy. Some only apply to the cost of specific coverages such as medical payments or collision. So even though it sounds like all those discounts means the company will pay you, it just doesn’t work that way. Any amount of discount will help reduce your overall premium however.

For a list of insurance companies offering insurance discounts, follow this link.

Tailor your coverage to you

When it comes to choosing coverage for your vehicles, there isn’t really a one size fits all plan. Everyone’s situation is a little different.

These are some specific questions might help in determining if you would benefit from professional advice.

  • Is my dog or cat covered if injured in an accident?
  • Do I get a pro-rated refund if I cancel my policy early?
  • Does liability extend to a camper or trailer?
  • Do I need PIP (personal injury protection) coverage in my state?
  • When would I need additional glass coverage?
  • Is my business laptop covered if it gets stolen from my vehicle?
  • Who is covered when they drive my 2007 Saab 9-3?
  • Can I still get insurance after a DUI?
  • Where can I find high-risk insurance?
  • Am I covered when pulling a rental trailer?

If you can’t answer these questions but you know they apply to you, you might consider talking to a licensed insurance agent. To find lower rates from a local agent, fill out this quick form.

Auto insurance coverage information

Knowing the specifics of your policy aids in choosing the right coverages and the correct deductibles and limits. Policy terminology can be impossible to understand and reading a policy is terribly boring.

Med pay and Personal Injury Protection (PIP)

Coverage for medical payments and/or PIP provide coverage for bills such as pain medications, hospital visits, surgery, EMT expenses and chiropractic care. The coverages can be utilized in addition to your health insurance policy or if you do not have health coverage. It covers not only the driver but also the vehicle occupants and will also cover getting struck while a pedestrian. PIP is only offered in select states but can be used in place of medical payments coverage

Auto liability

This can cover damages or injuries you inflict on people or other property by causing an accident. It protects YOU against claims from other people, and does not provide coverage for 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. Your policy might show liability limits of 50/100/50 that means you have a $50,000 limit per person for injuries, a per accident bodily injury limit of $100,000, and a total limit of $50,000 for damage to vehicles and property. Some companies may use a combined limit which limits claims to one amount with no separate limits for injury or property damage.

Liability can pay for things such as legal defense fees, funeral expenses, repair costs for stationary objects and pain and suffering. How much liability coverage do you need? That is a decision to put some thought into, but you should buy higher limits if possible.

Comprehensive insurance

This coverage pays to fix your vehicle from damage from a wide range of events other than collision. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive can pay for things like hitting a bird, theft, rock chips in glass, falling objects and hail damage. The highest amount a auto insurance company will pay at claim time is the ACV or actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Collision coverage

This coverage will pay to fix damage to your 9-3 from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible and then insurance will cover the remainder.

Collision can pay for claims like colliding with another moving vehicle, driving through your garage door, rolling your car and crashing into a ditch. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. It’s also possible to bump up the deductible in order to get cheaper collision rates.

Uninsured/Underinsured Motorist (UM/UIM)

This protects you and your vehicle from other motorists when they are uninsured or don’t have enough coverage. It can pay for injuries sustained by your vehicle’s occupants and damage to your Saab 9-3.

Since a lot of drivers have only the minimum liability required by law, their limits can quickly be used up. For this reason, having high UM/UIM coverages should not be overlooked. Frequently your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

A fool and his money are soon parted

Consumers switch companies for a number of reasons such as policy cancellation, delays in paying claims, questionable increases in premium or not issuing a premium refund. Regardless of your reason for switching companies, finding the right auto insurance provider can be pretty painless.

As you go through the steps to switch your coverage, don’t be tempted to sacrifice coverage to reduce premiums. Too many times, an insured dropped full coverage to discover at claim time that the savings was not a smart move. Your focus should be to purchase plenty of coverage for the lowest price.

Cost effective 2007 Saab 9-3 insurance can be sourced both online and also from your neighborhood agents, so you should compare both to have the best rate selection. Some insurance companies may not provide the ability to get a quote online and many times these smaller companies only sell through independent insurance agents.

More detailed auto insurance information is available by following these links: