Vehicles > Saab > 9-5

Saab 9-5 Insurance Rates

Buying car insurance from online rate quotes saves time, is easy to do and at the same time you can save money. The key to finding lower rates is getting rates from as many companies as possible in order to accurately compare every option.

Shopping online for car insurance is challenging if you are a beginner to quoting online. Don't let that stop you because it's actually quite easy. There are several ways to compare quotes and find the best price. The quickest method to find the cheapest Saab 9-5 insurance quotes is to get quotes online. It is quite easy and can be accomplished by getting a quick quote here.

What factors determine car insurance premiums?

Car insurance premiums for your Saab 9-5 can be significantly different and are calculated by many factors. Taken into consideration are:

  • Tickets increase premiums
  • Better credit means lower rates
  • Where you live
  • High miles vs. low miles
  • Your gender can raise or lower rates
  • The deductible you choose
  • Your vehicle's safety rating
  • Your occupation
  • Insurance coverage level
  • Whether you rent or own your home

An additional factor that helps determine Saab 9-5 insurance rates is the year of the vehicle. Older models have a reduced actual cash value than newer models so the payout to repair may end up costing you less. Although newer models may have safety features included like adaptive cruise control, a collision avoidance system, autonomous braking, and an advanced theft deterrent system that may help help offset higher rates.

To get a better understanding how rates are influenced for your specific model year, select the year of your vehicle from available model years below.

Liability insurance

This protects you from damages or injuries you inflict on other's property or people in an accident. Liability coverage protects against things such as emergency aid, pain and suffering, and medical services. It is cheap coverage so you should buy as large an amount as possible.

Collision coverage

Collision insurance pays for damage to your Saab resulting from colliding with an object or car. You first must pay a deductible then the remaining damage will be paid by your insurance company. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from older vehicles. Drivers also have the option to raise the deductible in order to get cheaper Saab 9-5 insurance rates.

Comprehensive protection

Comprehensive insurance coverage covers damage that is not covered by collision coverage. You first must pay your deductible and then insurance will cover the rest of the damage. The highest amount you can receive from a comprehensive claim is the cash value of the vehicle, so if your deductible is as high as the vehicle's value consider dropping full coverage.

Uninsured Motorist or Underinsured Motorist insurance

This provides protection from other motorists when they do not carry enough liability coverage. Since many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is very important.

Medical expense coverage

Med pay and PIP coverage kick in for expenses such as doctor visits, EMT expenses, and X-ray expenses. They can be utilized in addition to your health insurance policy or if you are not covered by health insurance. PIP coverage is not available in all states and may carry a deductible.

How Much are Saab 9-5 Insurance Rates?