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Saab 9-3 Insurance Rates

You have lots of choices when shopping for insurance coverage for your Saab vehicle. You can buy direct from an insurance agent or get quotes online to compare pricing from insurance carriers. Buying car insurance by getting online quotes saves time, is easy to do and at the same time you may find lower rates.

Shopping online for car insurance is challenging if you are a beginner to online rate quotes. But relax because we're going to show you how. The are a couple different ways of comparing rates from car insurance companies in your area. The best method to find the lowest Saab 9-3 insurance cost is to get quotes online. It is quite easy and can be accomplished by visiting this page.

What factors determine the rate you pay?

Insurance premiums paid to insure a Saab 9-3 will vary greatly and are calculated by many factors. Taken into consideration are:

  • High performance increases premiums
  • Your accident history
  • Multiple policies can save money
  • How you use your vehicle
  • Special coverage such as replacement cost
  • Your job
  • The amount of protection requested
  • Whether you rent or own your home

One important consideration that helps determine your rates is the age of the vehicle. Older models have a reduced actual cash value compared to new Saab models so the costs to repair may end up costing you less. But newer vehicles have more advanced features including lane departure warning system, pedestrian detection, and tire pressure monitors so those may provide discounts that lower premiums.

To get more specific information about how much rates will be for your vehicle, select the year of your 9-3 from available model years below.

Liability - This can cover damages or injuries you inflict on a person or their property in an accident. Liability insurance covers things such as emergency aid, pain and suffering, and medical services. It is cheap coverage so buy as much as you can afford.

Collision coverage - Collision insurance covers damage to your Saab from colliding with an object or car. You have to pay a deductible then the remaining damage will be paid by your insurance company. This coverage can be expensive, so analyze the benefit of dropping coverage from lower value vehicles. Another option is to increase the deductible to save money on collision insurance.

Comprehensive or Other Than Collision - This will pay to fix damage that is not covered by collision coverage. You first must pay your deductible then your comprehensive coverage will pay. The maximum amount you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle is not worth much it's probably time to drop comprehensive insurance.

Uninsured/Underinsured Motorist coverage - This gives you protection when the "other guys" either are underinsured or have no liability coverage at all. Since many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is very important.

Medical costs insurance - Coverage for medical payments and/or PIP kick in for expenses like doctor visits, EMT expenses, and X-ray expenses. The coverages can be used to cover expenses not covered by your health insurance plan or if there is no health insurance coverage. PIP coverage is not an option in every state but can be used in place of medical payments coverage.

How Much are Saab 9-3 Insurance Rates?