2008 Saab 9-3 Car Insurance Quotes

Looking for cheaper car insurance rates for your Saab 9-3? I can’t think of anyone who looks forward to buying car insurance, in particular when they are paying too much. Drivers have so many car insurance companies to pick from, and although it’s nice to have a selection, it can be more difficult to find the lowest cost provider.

These discounts can slash insurance rates

Car insurance companies don’t necessarily list every available discount very well, so here is a list some of the more common and the more hidden savings tricks you should be using. If you don’t get every credit available, you are throwing money away.

  • Bundle and Save – When you combine your home and auto insurance with the same company you could get a discount of 10% to 20% off each policy.
  • Save with a New Car – Insuring a new car can be considerably cheaper due to better safety requirements for new cars.
  • Safe Drivers – Drivers who avoid accidents can pay as much as 50% less on 9-3 insurance than less cautious drivers.
  • Early Switch Discount – Select companies give a discount for switching to them before your current policy expires. It’s a savings of about 10%.
  • Accident Waiver – A few companies will forgive one accident before hitting you with a surcharge as long as you don’t have any claims for a certain period of time.
  • Federal Government Employee – Employees or retirees of the government could cut as much as 10% off on 9-3 insurance with a few insurance companies.
  • College Student – Any of your kids living away from home attending college without a vehicle on campus may qualify for this discount.
  • Low Mileage – Driving fewer miles can qualify you for lower rates on the low mileage vehicles.

Keep in mind that most discount credits are not given to the entire cost. Most only reduce the price of certain insurance coverages like collision or personal injury protection. So despite the fact that it appears it’s possible to get free car insurance, you’re out of luck.

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

Finding Car Insurance

There are multiple methods to compare 2008 Saab 9-3 car insurance quotes, but some are less labor-intensive and much quicker. You could spend the better part of a day talking to insurance agencies in your area, or you could save time and use the internet to get the quickest rates.

Most of the best insurance companies belong to an insurance system that allows shoppers to submit their information once, and each company returns a rated price based on the submitted data. This system prevents you from having to do quotation requests for every car insurance company.

To find out how much you can save on car insurance click to open in new window.

One minor caviat to doing it this way is that consumers can’t choose the companies to receive prices from. So if you want to select specific providers to receive pricing from, we have a page of low cost car insurance companies in your area. Click here for list of insurance companies.

It’s your choice how you get your quotes, but make sure you use the exact same coverages with every price quote. If you have higher or lower deductibles it will be next to impossible to find the best deal for your Saab 9-3.

Why you might be paying too much to insure your Saab 9-3

An important part of buying insurance is that you know some of the elements that come into play when calculating the price you pay for car insurance. When you know what positively or negatively controls the rates you pay empowers consumers to make smart changes that will entitle you to big savings.

The list below includes some of the items used by your company to calculate prices.

  • Marriage pays dividends – Having a spouse actually saves money on car insurance. Having a spouse means you’re more mature it has been statistically shown that married couples file fewer claims.
  • High numbers of claims are not good – Companies award lower rates to drivers who file claims infrequently. If you are a frequent claim filer, you can pretty much guarantee either a policy non-renewal or much higher rates. Insurance coverage is designed for the bigger claims that can’t be paid out-of-pocket.
  • A clean driving record saves money – Careful drivers tend to pay less for car insurance than bad drivers. Even a single ticket can boost insurance rates twenty percent or more. If you have serious violations like reckless driving, hit and run or driving under the influence may find they need to file a SR-22 to the state department of motor vehicles in order to continue driving.
  • How credit affects car insurance rates – A driver’s credit rating is a important factor in your rate calculation. People with high credit scores tend to be more responsible than drivers with lower ratings. If your credit can use some improvement, you could pay less to insure your 2008 Saab 9-3 by improving your credit score.

When might I need the advice of an agent?

When it comes to choosing adequate coverage, there isn’t really a best way to insure your cars. Each situation is unique and a cookie cutter policy won’t apply. For instance, these questions may help highlight whether your personal situation could use an agent’s help.

  • Does my insurance cover damage caused when ticketed for reckless driving?
  • Does my policy cover my teen driver if they drive my company car?
  • Why am I required to buy liability insurance?
  • What is an SR-22 filing?
  • How can I force my company to pay a claim?
  • Can I afford low physical damage deductibles?
  • Why am I required to buy high-risk coverage?
  • Is my cargo covered for damage or theft?
  • Should I buy additional glass protection?

If you’re not sure about those questions but you know they apply to you, you might consider talking to an agent. If you don’t have a local agent, simply complete this short form or click here for a list of insurance companies in your area. It’s fast, free and may give you better protection.

Do drivers who switch really save?

Consumers get pounded daily by advertisements for the lowest price auto insurance by companies like Progressive, Geico, Allstate and State Farm. They all say the same thing that you can save if you change to them.

How do they all make almost identical claims? This is how they do it.

All the different companies are able to cherry pick for the driver that makes them money. An example of a profitable customer might be profiled as between the ages of 40 and 55, a clean driving record, and drives less than 7,500 miles a year. A propective insured who fits that profile is entitled to the best price and as a result will probably save when they switch companies.

Consumers who fall outside this ideal profile will be quoted a higher premium which usually ends up with the driver buying from a lower-cost company. The ad wording is “customers who switch” not “everyone that quotes” save that much money. That is how companies can advertise the way they do. This emphasizes why it’s extremely important to compare many company’s rates. It’s impossible to know which car insurance company will have the lowest Saab 9-3 insurance rates.

Insurance policy coverages for a Saab 9-3

Having a good grasp of your policy can help you determine which coverages you need and proper limits and deductibles. Policy terminology can be difficult to understand and even agents have difficulty translating policy wording. Below you’ll find typical coverage types offered by insurance companies.

Liability

This coverage protects you from damages or injuries you inflict on other people or property that is your fault. This insurance protects YOU from claims by other people. It does not cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You commonly see values of 50/100/50 that means you have $50,000 bodily injury coverage, $100,000 for the entire accident, and $50,000 of coverage for damaged propery.

Liability coverage pays for things such as medical expenses, funeral expenses, bail bonds, structural damage and repair costs for stationary objects. How much coverage you buy is a decision to put some thought into, but consider buying as much as you can afford.

Coverage for uninsured or underinsured drivers

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when the “other guys” do not carry enough liability coverage. Covered claims include injuries sustained by your vehicle’s occupants as well as damage to your 2008 Saab 9-3.

Because many people only carry the minimum required liability limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is very important.

Comprehensive insurance

This pays to fix your vehicle from damage that is not covered by collision coverage. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things such as hitting a deer, a tree branch falling on your vehicle, damage from flooding, a broken windshield and rock chips in glass. The maximum payout your insurance company will pay is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Coverage for collisions

Collision coverage covers damage to your 9-3 resulting from colliding with an object or car. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage pays for claims such as sustaining damage from a pot hole, driving through your garage door, sideswiping another vehicle and damaging your car on a curb. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from older vehicles. Another option is to bump up the deductible in order to get cheaper collision rates.

Coverage for medical expenses

Med pay and PIP coverage pay for short-term medical expenses for things like prosthetic devices, dental work and funeral costs. The coverages can be used to cover expenses not covered by your health insurance program or if you lack health insurance entirely. Medical payments and PIP cover not only the driver but also the 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

Shop. Compare. Save.

In this article, we presented many ideas to shop for 2008 Saab 9-3 insurance online. It’s most important to understand that the more companies you get rates for, the more likely it is that you will get a better rate. You may be surprised to find that the best price on car insurance is with a company that doesn’t do a lot of advertising. These companies may often insure only within specific states and give getter rates than their larger competitors like State Farm, Geico and Nationwide.

When shopping online for car insurance, never reduce needed coverages to save money. In many instances, someone sacrificed collision coverage and discovered at claim time that they should have had better coverage. The ultimate goal is to buy enough coverage at an affordable rate.

Budget-conscious insurance can be sourced both online and with local insurance agents, so compare prices from both in order to have the best chance of saving money. There are still a few companies who do not offer online quoting and many times these small insurance companies only sell through independent insurance agents.

Additional information can be read at the links below