How Much Does 2000 Saab 9-3 Insurance Cost?

Sick and tired of being strong-armed each month for car insurance? Your situation is no different than many other consumers.

You have so many auto insurance companies to insure vehicles with, and though it is a good thing to be able to choose, it makes it harder to get the best deal.

It’s a great practice to take a look at other company’s rates before your policy renews because prices change quite often. Despite the fact that you may have had the best rates for 9-3 coverage six months ago you can probably find a better price now. Starting now, ignore everything you know about insurance because you’re going to learn the quickest way to save money, get proper coverage and the best rates.

Finding the best rates is easy if you know what you’re doing. Just about everyone who buys insurance coverage stands a good chance to be able to cut their insurance bill. But car owners need to learn how companies market on the web.

Insurance Prices

When shopping for insurance there are multiple ways to compare quotes from insurance companies in your area. The recommended way to find the cheapest 2000 Saab 9-3 insurance rates is to perform an online rate comparison. This is very easy and can be done in several different ways.

  1. The best way to get quotes is a comparison rater form (click to open form in new window). This form keeps you from doing repetitive form submissions for every insurance company. Taking the time to complete one form will get you rate comparisons instantly.
  2. Another way to compare rate quotes is going to the website for each individual company to complete their respective quote request forms. For examples sake, we’ll assume you want to compare rates from State Farm, Safeco and Liberty Mutual. To get rate quotes you would need to take the time to go to each site and enter your policy data, which is why most consumers use the first method.

    For a list of links to companies insuring cars in your area, click here.

  3. The hardest method of comparing rate quotes is to spend your day driving to and from local insurance agencies. The ability to buy insurance online makes this process obsolete unless you have a need for the professional guidance only provided by licensed agents. Drivers can price shop your coverage online and get advice from an agent in your area.

However you get your quotes, compare apples-to-apples quote information for every quote you compare. If each company quotes different limits and deductibles on each one you will not be able to determine which rate is truly the best. Having just a slight variation in coverages could mean much higher rates. And when comparison shopping, more quotes will improve the odds of getting the best price.

Buyer beware of car insurance advertising tricks

Allstate, Geico and Progressive continually stream television and radio advertisements. All the companies have a common claim that you can save after switching to them. How can each company make the same claim? This is how they do it.

Insurance companies are able to cherry pick for the type of customer that earns them a profit. For example, a desirable insured could possibly be a mature driver, a clean driving record, and drives newer vehicles. A propective insured who fits that profile receives the best rates and is almost guaranteed to cut their rates substantially.

Consumers who fall outside this ideal profile will be charged higher prices which leads to business not being written. The ad wording is “customers that switch” not “everybody who quotes” save that much. That is how insurance companies can advertise the way they do. That is why it is so important to quote coverage with many companies. Because you never know which insurance companies will give you the biggest savings on Saab 9-3 insurance.

Saab 9-3 rate determination is complex

Consumers need to have an understanding of the rating factors that come into play when calculating insurance rates. When you know what positively or negatively influences your rates enables informed choices that can help you get much lower annual insurance costs.

  • Liability coverage protects you – The liability section of your policy is the coverage that protects you in the event that you are found liable for causing damage or personal injury in an accident. It will provide for a legal defense which can be incredibly expensive. Liability is cheap compared to insuring for physical damage coverage, so buy as much as you can afford.
  • Pay less after the wedding – Having a wife or husband can get you a discount on your insurance policy. Marriage usually means you are more mature than a single person and it’s statistically proven that drivers who are married are more cautious.
  • More miles equals more premium – The higher the mileage driven each year the more you’ll pay to insure your vehicle. Almost all companies apply a rate based on how the vehicle is used. Vehicles that are left in the garage can get a lower rate as compared to vehicles used primarily for driving to work. Verify your insurance declarations sheet shows the correct usage for each vehicle, because it can save money. Incorrect usage on your 9-3 can result in significantly higher rates.
  • Too many insurance claims drive up costs – If you are a frequent claim filer, you can pretty much guarantee higher rates. Auto insurance companies generally give better rates to people who do not file claims often. Insurance coverage is intended for the large, substantial claims.
  • Where you live is a factor – Being located in a small town is a positive aspect when insuring your vehicles. City drivers tend to have more traffic problems and a longer drive to work. Fewer drivers means a lower chance of having an accident as well as less vandalism and auto theft.

Policy discounts you shouldn’t miss

Auto insurance companies don’t always advertise all their discounts in an easy-to-find place, so we researched some of the more common and also the lesser-known savings tricks you should be using.

  • Theft Prevention System – Anti-theft and alarm systems prevent vehicle theft and therefore earn up to a 10% discount.
  • Seat Belts Save more than Lives – Using a seat belt and requiring all passengers to use a seat belt can save 10% or more off the personal injury premium cost.
  • Military Discounts – Being deployed with a military unit may qualify for rate reductions.
  • Homeowners Pay Less – Owning a home can help you save on auto insurance because owning a home requires personal responsibility.
  • Multiple Vehicles – Buying coverage for multiple vehicles on one policy may reduce the rate for each vehicle.
  • Pay Upfront and Save – If you pay your bill all at once instead of monthly or quarterly installments you could save 5% or more.
  • Drive Less and Save – Fewer annual miles on your Saab can earn a substantially lower rate.
  • Multi-policy Discount – If you have multiple policies with one insurance company you will save 10% to 20% off each policy.
  • Distant Student – Any of your kids living away from home attending college and do not have access to a covered vehicle can receive lower rates.
  • Federal Government Employee – Simply working for the federal government can save as much as 8% for 9-3 coverage with a few auto insurance companies.

As a disclaimer on discounts, most discounts do not apply the the whole policy. Most only reduce specific coverage prices like liability, collision or medical payments. Even though it may seem like you would end up receiving a 100% discount, companies wouldn’t make money that way.

A partial list of companies that may offer these discounts may include but are not limited to:

Check with each company what discounts are available to you. Some discounts may not apply in your area.

Insurance agents can help

When buying proper insurance coverage, there really is not a perfect coverage plan. Every insured’s situation is different and your policy should reflect that. For instance, these questions may help highlight if your insurance needs might need an agent’s assistance.

  • Do I have newly-aquired coverage?
  • Is my teen driver covered when they drive my company car?
  • How high should my medical payments coverage be?
  • Are my tools covered if they get stolen from my vehicle?
  • Is extra glass coverage worth it?
  • Will filing a claim cost me more?
  • Who is covered when they drive my 2000 Saab 9-3?
  • Is my Saab 9-3 covered if I use it for business?
  • Can I make deliveries for my home business?
  • Does coverage extend to Mexico or Canada?

If you’re not sure about those questions but you think they might apply to your situation, you might consider talking to an insurance agent. To find an agent in your area, simply complete this short form or go to this page to view a list of companies.

Information about specific coverages

Knowing the specifics of your auto insurance policy aids in choosing the best coverages at the best deductibles and correct limits. The terms used in a policy can be confusing and even agents have difficulty translating policy wording. Shown next are typical coverages found on most auto insurance policies.

Comprehensive coverages

This coverage covers damage from a wide range of events other than collision. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims like rock chips in glass, fire damage, falling objects and a broken windshield. The most you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Collision coverage protection

This coverage covers damage to your 9-3 resulting from a collision with an object or car. You first must pay a deductible and then insurance will cover the remainder.

Collision can pay for claims such as sustaining damage from a pot hole, crashing into a ditch and hitting a parking meter. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are 8 years or older. It’s also possible to choose a higher deductible to save money on collision insurance.

Liability insurance

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

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see values of 25/50/25 which stand for $25,000 bodily injury coverage, $50,000 for the entire accident, and $25,000 of coverage for damaged propery.

Liability can pay for things such as bail bonds, funeral expenses and loss of income. How much liability coverage do you need? That is your choice, but buy as much as you can afford.

Coverage for medical payments

Personal Injury Protection (PIP) and medical payments coverage provide coverage for bills such as ambulance fees, nursing services and X-ray expenses. They are used in conjunction with a health insurance plan or if there is no health insurance coverage. It covers not only the driver but also the vehicle occupants and will also cover being hit by a car walking across the street. PIP is only offered in select states but it provides additional coverages not offered by medical payments coverage

Uninsured and underinsured coverage

This gives you protection from other motorists when they either are underinsured or have no liability coverage at all. It can pay for injuries to you and your family as well as your vehicle’s damage.

Since many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

The bottom line

Cost effective 2000 Saab 9-3 insurance is possible online as well as from independent agents, so compare prices from both to have the best chance of lowering rates. Some insurance companies don’t offer online quoting and most of the time these small insurance companies sell through independent agents.

When shopping online for insurance, do not reduce needed coverages to save money. In many instances, an insured dropped collision coverage only to regret at claim time that the savings was not a smart move. The ultimate goal is to buy the best coverage you can find at the best price while still protecting your assets.

To learn more, take a look at the resources below: