Cheaper 1999 Saab 9-5 Insurance Quotes

Finding cheaper insurance for your Saab 9-5 can turn out to be a painful process, but you can use a few tricks to make it easier. There is a better way to compare insurance coverage rates and we’ll show you the quickest way to quote coverages for a new or used Saab and find the lowest possible price from local insurance agents and online providers.

Consumers should take time to compare prices periodically due to the fact that insurance rates are constantly changing. If you had the best rates for 9-5 coverage on your last policy you will most likely find a better rate today. Ignore everything you know about insurance coverage because you’re about to learn how to quote online to find the best coverage while lowering your premiums.

Finding the best rates is easy if you know what you’re doing. If you have a current insurance coverage policy or are looking for a new policy, you can use this information to find better prices and still get good coverage. Drivers only need to know how to compare price quotes over the internet.

Compare Insurance Coverage Costs

Finding a lower price on 1999 Saab 9-5 insurance doesn’t have to be difficult. Just spend a little time to get quotes from different insurance companies. It is quite easy and can be accomplished using a couple different methods.

  • The most efficient way to compare a lot of rates at once is to use a rate comparison form (click to open form in new window). This easy form saves time by eliminating separate quotation requests to each individual insurance coverage company. A single, simple form will get you price quotes from all major companies. This is by far the quickest method.
  • A more time consuming way to get quotes online requires a visit to each individual company website and complete a new quote form. For example, let’s assume you want to compare Farmers, 21st Century and Allstate. You would have to go to every website to enter your coverage information, which is why the first method is quicker.

    For a handy list of car insurance company links in your area, click here.

It doesn’t matter which method you choose, just make darn sure you compare identical coverages and limits with every price quote. If each company quotes different liability limits it’s impossible to make a fair comparison for your Saab 9-5.

These discounts can slash auto insurance rates

Auto insurance companies don’t always list all available discounts in a way that’s easy to find, so we break down some of the best known and the more hidden savings tricks you should be using. If you aren’t receiving every discount available, you’re paying more than you need to.

  • Safe Driver Discount – Drivers who don’t get into accidents may receive a discount up to 45% less for 9-5 coverage than drivers with accidents.
  • Early Signing – A few companies offer discounts for signing up prior to your current policy expiration. This can save 10% or more.
  • Driver’s Ed – Require your teen driver to take driver’s ed class in school.
  • One Accident Forgiven – Certain companies will allow you to have one accident without raising rates if you are claim-free for a particular time prior to the accident.
  • Passive Restraint Discount – Vehicles equipped with air bags or automatic seat belts can receive discounts of 20% or more.
  • Multiple Policy Discount – If you insure your home and vehicles with the same company you may earn up to 20% off your total premium.
  • Theft Prevention Discount – Anti-theft and alarm systems prevent vehicle theft and earn discounts up to 10%.

It’s important to understand that many deductions do not apply to your bottom line cost. A few only apply to the price of certain insurance coverages like comp or med pay. So when it seems like you would end up receiving a 100% discount, companies wouldn’t make money that way.

For a list of providers with discount auto insurance rates, click here to view.

When might I need the advice of an agent?

When it comes to buying the best insurance coverage for your vehicles, there really is no single plan that fits everyone. Your needs are not the same as everyone else’s.

These are some specific questions may help highlight if your insurance needs could use an agent’s help.

  • Am I covered if I break a side mirror?
  • How can I get my company to pay me more for my totalled car?
  • Do I need PIP (personal injury protection) coverage in my state?
  • I have good health insurance, so how much medical payments coverage do I need?
  • Is my 1999 Saab 9-5 covered for smoke damage?
  • Will I be non-renewed for getting a DUI or other conviction?
  • Do I really need UM/UIM coverage?
  • How much can I save by bundling my policies?
  • Am I covered by my spouse’s policy after a separation?
  • Do I have coverage when using my vehicle for my home business?

If you don’t know the answers to these questions but you know they apply to you, you might consider talking to a licensed insurance agent. To find an agent in your area, fill out this quick form. It is quick, free and you can get the answers you need.

Parts of the Saab 9-5 rate equation

Consumers need to have an understanding of the rating factors that go into determining the rates you pay for auto insurance. When you know what positively or negatively controls the rates you pay enables informed choices that can help you get much lower annual insurance costs.

  • Policy add-ons can waste money – There are many extra bells and whistles that can waste your money on your auto insurance policy. Coverages like rental car reimbursement, accident forgiveness and additional equipment coverage are examples of these. These may sound like a good investment initially, but now you might not need them so get rid of them and save.
  • Are you male or female? – The statistics show women tend to be less risk to insure than men. Now that doesn’t mean men are WORSE drivers than women. Men and women are in accidents in similar percentages, but the males tend to have more serious accidents. They also get more serious tickets such as DWI and reckless driving.
  • How credit affects auto insurance rates – A driver’s credit score is a big factor in determining what you pay for auto insurance. Drivers with high credit ratings tend to file fewer claims and have better driving records than drivers who have lower ratings. Therefore, if your credit history is low, you could potentially save money when insuring your 1999 Saab 9-5 by improving your rating.
  • Your auto insurance rates can be influenced by your job – Occupations like judges, executives and dentists tend to pay the highest average rates due to high stress levels and lots of time spent at work. Other occupations like actors, historians and the unemployed have the lowest average rates for 9-5 coverage.
  • Liability insurance protects assets – The liability section of your policy will protect you when you are found to be at fault for damages from an accident. Liability insurance provides legal defense which can be incredibly expensive. Liability insurance is quite affordable compared to insuring for physical damage coverage, so drivers should carry high limits.
  • Never let your coverage lapse – Driving your car without having proper coverage can get your license suspended and you will pay a penalty because you let your coverage lapse. And not only will your rates increase, getting caught without coverage will get you a hefty fine and possibly a revoked license.

Slick advertising tricks that work

Consumers get pounded daily by advertisements that promise big savings from companies such as State Farm, Geico and Progressive. They all seem to make an identical promise that you can save if you switch your policy.

How does each company make almost identical claims?

All the different companies have a certain “appetite” for the right customer they prefer to insure. For instance, a driver they prefer could possibly be between the ages of 40 and 55, is a homeowner, and drives less than 10,000 miles a year. A driver who fits that profile receives the best rates and is almost guaranteed to save when switching.

Potential customers who do not match this ideal profile will be charged more money which leads to the customer not buying. The ads say “drivers who switch” but not “drivers who get quotes” save that much. This is how companies can state the savings. That is why you should compare as many rates as you can. Because you never know which insurance companies will provide you with the cheapest Saab 9-5 insurance rates.

Parts of your car insurance policy

Understanding the coverages of your policy can help you determine which coverages you need and proper limits and deductibles. Car insurance terms can be difficult to understand and nobody wants to actually read their policy.

Insurance for medical payments – Personal Injury Protection (PIP) and medical payments coverage reimburse you for short-term medical expenses for surgery, nursing services, pain medications and rehabilitation expenses. The coverages can be utilized in addition to your health insurance plan or if there is no health insurance coverage. Coverage applies to both the driver and occupants as well as being hit by a car walking across the street. Personal injury protection coverage is not available in all states but can be used in place of medical payments coverage

Auto liability insurance – Liability insurance can cover damage or injury you incur to other’s property or people by causing an accident. It protects you against claims from other people, and does not provide coverage for your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have limits of 100/300/100 which means a $100,000 limit per person for injuries, a per accident bodily injury limit of $300,000, and property damage coverage for $100,000.

Liability can pay for claims like loss of income, attorney fees, structural damage and medical services. The amount of liability coverage you purchase is your choice, but it’s cheap coverage so purchase higher limits if possible.

Collision – Collision coverage pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage protects against claims such as sustaining damage from a pot hole, damaging your car on a curb and colliding with a tree. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are older. Drivers also have the option to bump up the deductible in order to get cheaper collision rates.

Uninsured Motorist or Underinsured Motorist insurance – This provides protection from other motorists when they either are underinsured or have no liability coverage at all. Covered claims include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since a lot of drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is important protection for you and your family.

Comprehensive coverage (or Other than Collision) – Comprehensive insurance coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims such as damage from a tornado or hurricane, fire damage, a broken windshield and falling objects. The most you can receive from a comprehensive claim is the actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Buy online or local, you save

Drivers change insurance companies for a variety of reasons including poor customer service, questionable increases in premium, delays in responding to claim requests or even delays in paying claims. Regardless of your reason, choosing a new insurance company is pretty easy and you might even save some money in the process.

In this article, we covered some good ideas how you can compare 1999 Saab 9-5 insurance prices online. The key thing to remember is the more you quote, the better likelihood of reducing your rate. You may be surprised to find that the best price on car insurance is with some of the lesser-known companies.

The cheapest insurance is available both online and also from your neighborhood agents, so you should be comparing quotes from both to have the best selection. Some car insurance companies may not provide the ability to get a quote online and these smaller companies work with independent agents.

Even more information can be read at these sites: