Lower Your 2006 Saab 9-7X Insurance Cost

Trying to find the cheapest insurance coverage rates for your Saab 9-7X? Are you tired of scraping the payment together to buy car insurance? You are no different than many other drivers.

You have multiple insurance companies to insure vehicles with, and even though it’s nice to have a choice, lots of choices makes it harder to compare company pricing.

You should take the time to compare prices every six months because prices go up and down regularly. Even if you got the lowest price on 9-7X coverage last year other companies may now be cheaper. Starting right now, forget all the misinformation about insurance coverage because we’re going to show you the fastest and easiest way to reduce your cost while increasing coverage.

Quick Car Insurance Quotes

Effectively comparing car insurance prices can be exhausting if you don’t utilize the easiest way. You could waste a few hours talking to insurance agencies in your area, or you can stay home and use the internet to achieve your goal.

Most of the larger companies belong to an insurance system that enables customers to submit their information once, and every company then gives them pricing based on that data. This system prevents you from having to do form submissions to each company. To participate in this free quote system, click here to open in new window.

The only downside to pricing coverage this way is you can’t choose which insurance companies you will receive quotes from. If you wish to select individual companies for rate comparison, we have a page of companies who write car insurance in your area. Click here to view list.

Whichever way you use, make absolute certain that you use apples-to-apples coverage information for each price quote. If your comparisons have higher or lower deductibles it’s not possible to truly determine the lowest rate. Just a small difference in insurance coverages may result in a large different in cost. And when price shopping your coverage, more quotes helps locate the best offered rates.

Cut your premium with discounts

Companies don’t always list all available discounts very clearly, so we break down some of the more common and also the lesser-known savings tricks you should be using.

  • Save with a New Car – Adding a new car to your policy is cheaper due to better safety requirements for new cars.
  • Life Insurance – Select insurance companies reward you with a discount if you purchase a life insurance policy as well.
  • Anti-lock Brake System – Vehicles equipped with ABS or steering control can avoid accidents and earn discounts up to 10%.
  • Student Driver Training – Have your child take driver’s ed class if it’s offered in school.
  • Safe Drivers – Insureds without accidents may save up to 50% more on 9-7X coverage than drivers with accident claims.
  • Sign Online – A few companies will discount your bill up to fifty bucks just for signing your application over the internet.
  • No Claims – Claim-free drivers pay less as compared to drivers who are more careless.
  • Passive Restraints and Air Bags – Vehicles equipped with air bags can get savings of up to 25% or more.
  • Distant Student – Youth drivers who live away from home without a vehicle on campus may be able to be covered for less.
  • More Vehicles More Savings – Insuring multiple cars or trucks on the same insurance coverage policy could earn a price break for each car.

Consumers should know that most discount credits are not given to all coverage premiums. Some only apply to individual premiums such as liability, collision or medical payments. Just because it seems like having all the discounts means you get insurance for free, insurance coverage companies aren’t that generous.

Insurance companies that possibly offer some of the above discounts are:

Check with each insurance company which discounts you may be entitled to. Some discounts might not apply in every state.

What is the best insurance coverage?

When choosing the right insurance coverage, there isn’t really a single plan that fits everyone. Coverage needs to be tailored to your specific needs and a cookie cutter policy won’t apply. Here are some questions about coverages that could help you determine if your situation could use an agent’s help.

  • Do I pay less if my vehicle is kept in my garage?
  • When do I need to add a new car to my policy?
  • When can I cancel my policy?
  • Does my insurance cover damage caused when ticketed for reckless driving?
  • Is a fancy paint job covered?
  • Do I have coverage when pulling a U-Haul trailer?
  • How do I insure my teen driver?
  • Should I file a claim if it’s only slightly more than my deductible?

If it’s difficult to answer those questions but you know they apply to you then you might want to talk to an insurance agent. To find lower rates from a local agent, simply complete this short form or go to this page to view a list of companies.

Parts of the Saab 9-7X rate equation

Smart consumers have a good feel for the different types of things that come into play when calculating the price you pay for auto insurance. Having a good understanding of what determines base rates empowers consumers to make smart changes that could result in lower auto insurance prices.

  • Your location affects your rates – Choosing to live in less populated areas can be a good thing when it comes to auto insurance. Fewer drivers means a lower chance of having an accident and a lower car theft rate. Drivers in populated areas have to deal with much more traffic to deal with and longer commute times. More time on the road can result in more accidents.
  • Older drivers save more – Youthful drivers tend to get distracted easily when behind the wheel so they pay higher auto insurance rates. Older insureds are more responsible, tend to cause fewer accidents and get fewer tickets.
  • Do you work long hours in a high stress job? – Occupations like lawyers, business owners and financial analysts are shown to have higher average rates because of high stress levels and long work hours. Conversely, jobs such as scientists, engineers and the unemployed pay the least on 9-7X coverage.
  • Don’t buy coverages you don’t need – There are quite a few extra bells and whistles that you can buy on your 9-7X policy. Insurance for vanishing deductibles, towing coverage and additional equipment coverage are examples of these. These may sound like a good investment when you first buy your policy, but now you might not need them so eliminate the coverages to reduce your premium.
  • Pleasure use or commuting – Driving more miles each year the more you’ll pay to insure your vehicle. Almost all companies charge to insure your cars based on their usage. Cars and trucks that are left in the garage can get a lower rate compared to those used for work or business. Verify your auto insurance coverage is showing the proper vehicle usage, because it can save money. Incorrect usage on your 9-7X may be costing you.
  • Too many auto insurance claims drive up costs – If you tend to file frequent claims, you can expect higher rates. Companies give discounts to drivers who are claim-free. Insurance coverage is meant to be used in the event of the bigger claims that can’t be paid out-of-pocket.
  • Bad driving skills means higher rates – Your driving record has a huge affect on how much you pay. Drivers with clean records tend to pay less for car insurance than bad drivers. Just one moving violation may increase your cost forty percent or more. Drivers who get serious violations such as hit and run, DWI or reckless driving convictions may be required to submit a SR-22 or proof of financial responsibility to the state department of motor vehicles in order to continue driving.
  • Men pay higher rates – Statistics show that women are safer drivers than men. However, this does not mean men are worse drivers. They both have accidents at a similar rate, but the male of the species have costlier accidents. Men also tend to receive more costly citations like DUI and reckless driving. Male drivers age 16 to 19 tend to get in the most accidents and therefore have the most expensive auto insurance rates.

Save $381 a year? Really?

Companies like Allstate and Progressive regularly use television and radio advertisements. All the ads make the same claim of big savings if you move to them. How do they all claim to save you money? This is how they do it.

Insurance companies can use profiling for the type of driver they prefer to insure. An example of a driver they prefer could be over the age of 50, a clean driving record, and has a high credit rating. Any new insured who fits that profile will get very good rates and most likely will save a lot of money.

Potential insureds who are not a match for the requirements must pay higher prices and ends up with the driver buying from a lower-cost company. The ad wording is “customers who switch” but not “drivers who get quotes” save that much money. That’s why insurance companies can confidently claim big savings. This illustrates why drivers must get quotes from several different companies. It’s impossible to know which insurance company will have the lowest Saab 9-7X insurance rates.

Educate yourself about insurance coverages

Knowing the specifics of insurance can be of help when determining appropriate coverage for your vehicles. Insurance terms can be ambiguous and coverage can change by endorsement. These are typical coverages available from insurance companies.

Med pay and Personal Injury Protection (PIP)

Med pay and PIP coverage reimburse you for expenses for things like surgery, nursing services, dental work, doctor visits and funeral costs. They are used to fill the gap from your health insurance plan or if you lack health insurance entirely. Medical payments and PIP cover both the driver and occupants in addition to if you are hit as a while walking down the street. Personal injury protection coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Comprehensive insurance

This covers damage from a wide range of events other than collision. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims such as damage from flooding, theft, hitting a bird, falling objects and fire damage. The highest amount your insurance company will pay is the cash value of the vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Auto liability insurance

This coverage provides protection from injuries or damage you cause to people or other property by causing an accident. This insurance protects YOU from claims by other people. It does not cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see values of 100/300/100 which stand for $100,000 bodily injury coverage, a limit of $300,000 in injury protection per accident, and $100,000 of coverage for damaged propery.

Liability can pay for claims such as repair bills for other people’s vehicles, court costs, legal defense fees, bail bonds and medical expenses. How much coverage you buy is a personal decision, but consider buying as much as you can afford.

Collision protection

Collision insurance will pay to fix damage to your 9-7X from colliding with another vehicle or an object, but not an animal. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for things such as sustaining damage from a pot hole, hitting a mailbox, backing into a parked car, crashing into a building and colliding with another moving vehicle. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are older. Another option is to choose a higher deductible in order to get cheaper collision rates.

Uninsured/Underinsured Motorist (UM/UIM)

Your UM/UIM coverage gives you protection when the “other guys” either have no liability insurance or not enough. This coverage pays for injuries sustained by your vehicle’s occupants and also any damage incurred to your Saab 9-7X.

Since a lot of drivers only purchase the least amount of liability that is required, their limits can quickly be used up. For this reason, having high UM/UIM coverages is very important.

Save for a rainy day

We covered many ideas to shop for 2006 Saab 9-7X insurance online. The key concept to understand is the more providers you compare, the better your comparison will be. Drivers may discover the best price on car insurance is with a small local company. These smaller insurers can often insure niche markets at a lower cost than their larger competitors like Allstate or State Farm.

Cheaper insurance is available both online and also from your neighborhood agents, and you should compare price quotes from both to get a complete price analysis. There are still a few companies who may not provide the ability to get a quote online and most of the time these smaller companies sell through independent agents.

Even more information is available in the articles below: