2009 Saab 9-5 Car Insurance Quotes – 10 Tips for Cheapest Rates

If online car insurance comparisons are new to you, you can be overwhelmed by the hoards of online car insurance companies and websites vying for business.

It’s a good idea to price shop coverage occasionally because rates trend upward over time. Even if you got the best rates on 9-5 coverage six months ago a different company probably has better rates today. Starting now, forget anything you know (or think you know) about car insurance because you’re going to get a crash course in the right way to properly buy coverages and cut your premium.

The quickest way to get policy rate comparisons takes advantage of the fact all the major auto insurance companies participate in a system to give rate comparisons. All consumers are required to do is spend a couple of minutes providing details such as distance driven, the type of vehicles you drive, if you went to college, and whether or not you need a SR-22. That information is then submitted to multiple top-rated companies and you will receive price estimates instantly.

Discounts mean cheaper Saab 9-5 insurance rates

Companies that sell car insurance do not advertise every discount in a way that’s easy to find, so we break down both well-publicized and the harder-to-find ways to save on insurance.

  • Homeowners Savings – Owning a home can save you money because maintaining a house shows financial diligence.
  • Use Seat Belts – Requiring all passengers to use a seat belt can save up to 15% off your PIP or medical payments premium.
  • Claim Free – Drivers who don’t have accidents can save substantially as compared to accident-prone drivers.
  • Anti-lock Brakes – Vehicles equipped with ABS or steering control can avoid accidents and will save you 10% or more.
  • Senior Discount – Mature drivers may be able to get reduced rates on 9-5 coverage.
  • Good Student Discount – Getting good grades can get you a discount of up to 25%. The discount lasts up to age 25.
  • Multiple Policy Discount – If you have multiple policies with the same insurance company you could get a discount of up to 20% off your total premium.
  • Discount for New Cars – Buying coverage on a new vehicle is cheaper since new cars are generally safer.
  • Life Insurance – Companies who offer life insurance give lower rates if you buy auto and life insurance together.
  • Air Bag Discount – Vehicles equipped with air bags or automatic seat belts can receive discounts up to 30%.

Consumers should know that some of the credits will not apply to the entire cost. Some only apply to the price of certain insurance coverages like liability, collision or medical payments. Even though it may seem like all those discounts means the company will pay you, it just doesn’t work that way.

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

Tailor your coverage to you

When buying the best auto insurance coverage for your personal vehicles, there really is no “perfect” insurance plan. Every insured’s situation is different.

For example, these questions could help you determine whether you will benefit from professional help.

  • Is there coverage for injuries to my pets?
  • Should I drop comprehensive coverage on older vehicles?
  • Is pleasure use cheaper than using my 2009 Saab 9-5 to commute?
  • Are split liability limits better than a combined single limit?
  • Am I covered if I break a side mirror?
  • What happens if I owe more than my 2009 Saab 9-5 is worth?

If you can’t answer these questions, you might consider talking to a licensed insurance agent. If you want to speak to an agent in your area, simply complete this short form.

Auto insurance coverage breakdown

Understanding the coverages of a auto insurance policy helps when choosing the best coverages for your vehicles. Policy terminology can be ambiguous and coverage can change by endorsement.

Comprehensive (Other than Collision)

This will pay to fix damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims such as hail damage, vandalism and a tree branch falling on your vehicle. The most you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Collision coverage

Collision coverage covers damage to your 9-5 caused by collision with an object or car. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for things like damaging your car on a curb, hitting a parking meter, rolling your car, crashing into a building and driving through your garage door. Collision is rather expensive coverage, 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.

Protection from uninsured/underinsured drivers

This coverage protects you and your vehicle’s occupants from other drivers when they either are underinsured or have no liability coverage at all. This coverage pays for injuries to you and your family as well as your vehicle’s damage.

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 very important.

Medical expense insurance

Medical payments and Personal Injury Protection insurance provide coverage for bills like chiropractic care, dental work, funeral costs, nursing services and prosthetic devices. They can be used to fill the gap from your health insurance policy or if you lack health insurance entirely. They cover you and your occupants in addition to any family member struck as a pedestrian. PIP is only offered in select states and may carry a deductible

Liability

This coverage protects you from damages or injuries you inflict on other’s property or people. It protects you against claims from other people, and does not provide coverage for your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see values of 50/100/50 which means a $50,000 limit per person for injuries, $100,000 for the entire accident, and $50,000 of coverage for damaged propery.

Liability coverage protects against things such as loss of income, emergency aid, medical expenses and medical services. The amount of liability coverage you purchase is your choice, but buy higher limits if possible.

Smart shoppers get results

When trying to cut insurance costs, it’s very important that you do not reduce needed coverages to save money. There are a lot of situations where an insured dropped comprehensive coverage or liability limits only to regret that the savings was not a smart move. Your focus should be to find the BEST coverage at a price you can afford while still protecting your assets.

You just learned a lot of tips how to reduce 2009 Saab 9-5 insurance prices online. It’s most important to understand that the more companies you get rates for, the better your comparison will be. You may even discover the lowest rates come from a company that doesn’t do a lot of advertising.

People leave their current company for a number of reasons such as high rates after DUI convictions, delays in paying claims, extreme rates for teen drivers and not issuing a premium refund. Regardless of your reason for switching companies, finding a new company is pretty simple and you could end up saving a buck or two.

Much more information about auto insurance is available below: