Compare 1998 Saab 900 Insurance Quotes

Sick and tired of robbing Peter to pay Paul to insure your Saab every month? You are no different than many other consumers. Many insurance companies compete for your hard-earned dollar, and because of this it can be hard to compare auto insurance companies and get the definite cheapest price

If you have a current insurance policy or are looking for a new policy, you can use these techniques to find the best rates and possibly find even better coverage. Finding the best rates is not rocket science. Drivers only need an understanding of the proper methods to compare price quotes online.

Free Auto Insurance Quotes

There are a lot of ways to shop for auto insurance, but some are less time-consuming than others. You can waste a few hours (or days) driving to agents in your area, or you can stay home and use the internet to accomplish the same thing much quicker.

Most car insurance companies take part in a program where insurance shoppers enter their policy data once, and each company can provide price quotes based on that information. This system prevents you from having to do repetitive form submissions for every auto insurance company. To find out how much you can save on auto insurance click here to start a free quote.

The one disadvantage to using this type of system is you cannot specify the companies to receive prices from. So if you want to select from a list of companies to receive pricing from, we have a listing of auto insurance companies in your area. Click to view list.

It’s your choice how you get your quotes, but be sure to compare the exact same coverage limits and deductibles for every quote you compare. If the quotes have different limits and deductibles on each one it’s not possible to determine which rate is truly the best.

Don’t be fooled by advertising claims

Consumers can’t ignore all the ads that promise big savings by State Farm and Allstate. All the companies make an identical promise of big savings if you change to their company.

How do they all make almost identical claims?

All the different companies can use profiling for the type of driver that makes them money. A good example of a driver they prefer might be between 30 and 50, is a homeowner, and has great credit. A driver who matches those parameters will qualify for the lowest rates and as a result will probably save when they switch companies.

Potential customers who don’t meet the requirements must pay higher rates and ends up with the driver buying from a lower-cost company. The ads state “customers that switch” but not “drivers who get quotes” save that much money. This is how insurance companies can advertise the savings.

This illustrates why you need to quote coverage with many companies. It is impossible to predict which auto insurance company will give you the biggest savings on Saab 900 insurance.

Save big with these discounts

Insurance can cost an arm and a leg, buy you may qualify for discounts that you may not even be aware of. Some discounts apply automatically when you purchase, but some must be manually applied before you will receive the discount. If you’re not getting every credit available, you are throwing money away.

  • Multi-car Discount – Buying insurance for more than one vehicle on the same auto insurance policy could earn a price break for each car.
  • Military Rewards – Having a deployed family member could mean lower rates.
  • Paperless Signup – A handful of insurance companies give back up to $50 for buying a policy and signing up over the internet.
  • Government Employees – Active or retired federal employment can save as much as 8% on 900 coverage with select insurance companies.
  • Driver’s Ed – Make teen driver coverage more affordable by requiring them to successfully complete driver’s ed class in school.
  • Multi-policy Discount – If you have multiple policies with the same insurance company you will save 10% to 20% off each policy.
  • Discounts for Safe Drivers – Safe drivers may save up to 50% more on 900 coverage than their less cautious counterparts.
  • Early Signing – A few companies offer discounts for buying a policy before your current expiration date. This can save 10% or more.
  • Anti-lock Brake Discount – Cars that have steering control and anti-lock brakes can avoid accidents and will save you 10% or more.

A little note about advertised discounts, most credits do not apply to your bottom line cost. Most only cut the price of certain insurance coverages like physical damage coverage or medical payments. So when the math indicates it’s possible to get free car insurance, companies don’t profit that way. Any qualifying discounts will help reduce the cost of coverage.

For a list of companies who offer auto insurance discounts, click here.

But I don’t know anything about car insurance

When choosing the best auto insurance coverage for your vehicles, there really is no best way to insure your cars. Everyone’s situation is a little different and a cookie cutter policy won’t apply. These are some specific questions may help you determine whether your personal situation will benefit from professional help.

  • Is borrowed equipment or tools covered if stolen or damaged?
  • Should I carry comprehensive and collision coverage?
  • Is my 1998 Saab 900 covered for flood damage?
  • Am I covered if hit by an uninsured driver?
  • Which is better, split liability limits or combined limits?
  • Do I need replacement cost coverage on my 1998 Saab 900?
  • Am I covered by my spouse’s policy after a separation?
  • Should I rate my 1998 Saab 900 as pleasure use or commute?
  • What is an SR-22 filing?
  • Do I need an umbrella policy?

If you don’t know the answers to these questions but you think they might apply to your situation, you might consider talking to an insurance agent. If you don’t have a local agent, simply complete this short form or go to this page to view a list of companies. It’s fast, doesn’t cost anything and may give you better protection.

Insurance coverage basics

Having a good grasp of your insurance policy helps when choosing the best coverages and the correct deductibles and limits. The terms used in a policy can be difficult to understand and nobody wants to actually read their policy. Listed below are typical coverage types available from insurance companies.

Protection from uninsured/underinsured drivers

This coverage protects you and your vehicle’s occupants from other drivers when they are uninsured or don’t have enough coverage. Covered claims include injuries to you and your family and damage to your 1998 Saab 900.

Since many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Normally the UM/UIM limits are similar to your liability insurance amounts.

Comprehensive (Other than Collision)

Comprehensive insurance coverage covers damage OTHER than collision with another vehicle or object. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive can pay for claims like hail damage, falling objects, damage from flooding, a tree branch falling on your vehicle and damage from getting keyed. The most your insurance company will pay is the ACV or actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Medical expense insurance

Medical payments and Personal Injury Protection insurance reimburse you for bills for rehabilitation expenses, X-ray expenses and dental work. They are used to fill the gap from your health insurance plan or if you do not have health coverage. Coverage applies to both the driver and occupants and will also cover any family member struck as a pedestrian. Personal injury protection coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Liability auto insurance

Liability coverage provides protection from damages or injuries you inflict on other’s property or people that is your fault. It protects you from legal claims by others, and does not provide coverage for damage sustained by your vehicle in an accident.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show policy limits of 50/100/50 which means a $50,000 limit per person for injuries, a limit of $100,000 in injury protection per accident, and a limit of $50,000 paid for damaged property. Alternatively, you may have a combined single limit or CSL which limits claims to one amount without having the split limit caps.

Liability coverage pays for things such as emergency aid, attorney fees, loss of income, repair bills for other people’s vehicles and medical expenses. The amount of liability coverage you purchase is up to you, but you should buy higher limits if possible.

Collision coverage

This covers damage to your 900 caused by collision with an object or car. A deductible applies then your collision coverage will kick in.

Collision coverage protects against claims such as colliding with another moving vehicle, hitting a mailbox, damaging your car on a curb and backing into a parked car. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are 8 years or older. Drivers also have the option to increase the deductible to save money on collision insurance.

Find Good Coverage for Less

When buying insurance coverage, do not skimp on critical coverages to save a buck or two. There have been many situations where someone sacrificed collision coverage and learned later that they should have had better coverage. Your aim should be to find the BEST coverage at an affordable rate while not skimping on critical coverages.

Affordable 1998 Saab 900 insurance is available online in addition to many insurance agents, and you should be comparing both so you have a total pricing picture. There are still a few companies who do not provide online price quotes and many times these smaller companies only sell through independent insurance agents.

Throughout this article, we presented a lot of techniques to save on insurance. The key concept to understand is the more companies you get rates for, the higher the chance of saving money. Consumers could even find that the lowest priced auto insurance comes from a lesser-known regional company. Smaller companies can often insure niche markets at a lower cost than their larger competitors like Allstate or State Farm.

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