2002 Saab 9-5 Car Insurance Cost – 10 Tips for Cheaper Prices

Finding a different company that has affordable insurance can be complicated if you are like the majority of consumers and have never used quote comparisons online. Don’t worry though because online price shopping is actually quite simple.

You need to compare premium rates before your policy renews because insurance rates are variable and change quite frequently. Even if you got the lowest premium rates on 9-5 insurance on your last policy the chances are good that you can find a lower price today. Forget anything you know (or think you know) about insurance coverage because you’re about to learn the easiest way to lower your rates without sacrificing coverage.

Finding affordable coverage can be fairly easy. Essentially anyone who buys auto insurance will be able to reduce their rates. Although drivers must know the way companies market on the web and take advantage of how the system works.

How to lower your auto insurance cost

To find more affordable rates, there are a couple of ways to obtain and compare prices from many auto insurance companies in your state. The easiest way by far to comparison shop is to get quotes online. This can be accomplished by using one of the methods below.

• The recommended way consumers can analyze rates would be an industry-wide quote request form click to view form in new window. This form prevents you from having to do separate forms for each price estimate. One form submission compares rates from auto insurance companies with the best prices. This is by far the quickest method.
• A more difficult way to find lower rates requires you to visit each individual company website and complete a new quote form. For example, we’ll pretend you need rates from Nationwide, Esurance and State Farm. You would have to spend time going to each site individually and punch in your information repeatedly, and that’s why the first method is more popular. For a handy list of car insurance company links in your area, click here.
• The most difficult way to compare rates is driving around to and from local insurance agencies. Comparing rates online makes this process obsolete unless you have a need for the extra assistance of a local agency. Some companies do allow you to price shop your coverage online and get advice from an agent in your area.

However you get your quotes, ensure you are comparing exactly the same quote data for every company. If each company quotes higher or lower deductibles then you won’t be able to make an equal comparison. Slightly different insurance coverages may cause a big price difference. And when quoting auto insurance, remember that comparing all the rates in your area will improve the odds of getting a lower rate than you’re paying now.

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Get cheap rates with these ten insurance coverage discounts

Car insurance companies do not advertise every discount very well, so we break down both the well known and the more hidden ways to save on insurance coverage. If they aren’t giving you every credit you deserve, you’re just leaving money on the table.

• Membership in Organizations – Joining a professional or civic organization could qualify you for a break when shopping for insurance coverage.
• Safety Course Discount – Completing a driver safety class could possibly earn you a 5% discount if you qualify.
• Air Bag Discount – Vehicles with factory air bags or automatic seat belts may qualify for discounts up to 30%.
• More Vehicles More Savings – Buying coverage for more than one vehicle on the same insurance coverage policy can reduce rates for all insured vehicles.
• Bundled Policy Discount – When you have multiple policies with the same company you could save over 10 percent off each policy depending on the company.
• Discount for Home Ownership – Owning a house can save you money due to the fact that maintaining a home requires a higher level of personal finance.
• Military Discounts – Having an actively deployed family member could qualify you for better prices.
• Government Employees – Having worked for a branch of the government may qualify for a discount when you quote insurance on 9-5 insurance with a few insurance coverage companies.
• Onboard Data Collection – Policyholders that allow driving data submission to look at when and where they use their vehicle by installing a telematics device such as Drivewise from Allstate or Snapshot from Progressive could possibly reduce rates if they have good driving habits.
• Discounts for Responsible Drivers – Drivers without accidents may save up to 50% more on 9-5 insurance as compared to drivers with claims.

A little disclaimer on discounts, most discounts do not apply to your bottom line cost. Some only apply to the cost of specific coverages such as liability and collision coverage. So even though you would think all those discounts means the company will pay you, nobody gets a free ride. But all discounts should help reduce your policy premiums.

Large insurance coverage companies and the discounts they provide are detailed below.

• Geico may offer discounts for multi-policy, defensive driver, multi-vehicle, seat belt use, and daytime running lights.
• SAFECO offers discounts for homeowner, accident prevention training, anti-theft, safe driver, and multi-car.
• State Farm policyholders can earn discounts including Drive Safe & Save, good student, Steer Clear safe driver discount, multiple policy, anti-theft, and driver’s education.
• MetLife has savings for good student, accident-free, claim-free, good driver, multi-policy, and defensive driver.
• 21st Century offers premium reductions for student driver, driver training, early bird, air bags, good student, 55 and older, and homeowners.
• Progressive discounts include multi-vehicle, multi-policy, online signing, homeowner, online quote discount, good student, and continuous coverage.

It’s a good idea to ask each insurance company which discounts you qualify for. Savings may not be available in your area. For a list of companies offering insurance coverage discounts, click here to view.

Insurance coverage can get complicated

When buying proper insurance coverage for your vehicles, there really is no one size fits all plan. Everyone’s situation is a little different.

These are some specific questions can help discover if your situation will benefit from professional help.

• Is pleasure use cheaper than using my 2002 Saab 9-5 to commute?
• Will my rates increase for filing one claim?
• What exactly is covered by my policy?
• Am I covered by my spouse’s policy after a separation?
• How does medical payments coverage work?
• Can my teen drive my company car?
• Is my Saab 9-5 covered if I use it for business?

If you’re not sure about those questions but a few of them apply, you might consider talking to an insurance agent. If you don’t have a local agent, fill out this quick form.

Insurance coverage basics

Understanding the coverages of insurance helps when choosing the right coverages at the best deductibles and correct limits. The coverage terms in a policy can be impossible to understand and nobody wants to actually read their policy.

Uninsured/Underinsured Motorist (UM/UIM)

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other drivers when they either are underinsured or have no liability coverage at all. Covered claims include medical payments for you and your occupants as well as damage to your Saab 9-5.

Because many people only carry the minimum required liability limits, their limits can quickly be used up. This is the reason having UM/UIM coverage should not be overlooked. Normally your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Comprehensive insurance

This pays for damage from a wide range of events other than collision. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage pays for things such as falling objects, a tree branch falling on your vehicle, hail damage and theft. The highest amount you’ll receive from a claim is the actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Collision coverage

Collision coverage pays for damage to your 9-5 resulting from colliding with a stationary object or other vehicle. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things such as sideswiping another vehicle, hitting a mailbox and hitting a parking meter. This coverage can be expensive, so consider dropping it from older vehicles. It’s also possible to choose a higher deductible in order to get cheaper collision rates.

Liability coverage

This provides protection from injuries or damage you cause to other’s property or people by causing an accident. Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have policy limits of 100/300/100 that translate to a limit of $100,000 per injured person, a per accident bodily injury limit of $300,000, and property damage coverage for $100,000. Some companies may use a combined single limit or CSL which provides one coverage limit and claims can be made without the split limit restrictions.

Liability coverage protects against claims such as medical services, attorney fees and structural damage. How much liability coverage do you need? That is a personal decision, but consider buying higher limits if possible.

Med pay and Personal Injury Protection (PIP)

Coverage for medical payments and/or PIP provide coverage for bills for things like ambulance fees, dental work and EMT expenses. The coverages can be used to fill the gap from your health insurance policy or if there is no health insurance coverage. They cover you and your occupants and will also cover being hit by a car walking across the street. Personal injury protection coverage is not universally available and may carry a deductible

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In any little way, save everyday

We’ve covered a lot of techniques to reduce 2002 Saab 9-5 insurance premium rates online. It’s most important to understand that the more providers you compare, the higher your chance of finding low cost insurance. Drivers may discover the best premium rates are with a small local company.

Discount 2002 Saab 9-5 insurance is available both online and from local insurance agents, and you should compare price quotes from both to get a complete price analysis. Some companies don’t offer rate quotes online and most of the time these small, regional companies only sell coverage through independent agents.

As you quote insurance, you should never buy lower coverage limits just to save a few bucks. There are a lot of situations where drivers have reduced comprehensive coverage or liability limits and learned later that the few dollars in savings costed them thousands. Your goal should be to find the BEST coverage at the lowest possible cost but still have enough coverage for asset protection.

More tips and info about insurance coverage is available at these sites:

• What Determines the Price of My Auto Insurance Policy? (Insurance Information Insitute)
• Smart Auto Insurance Tips (Insurance Information Insitute)
• Choosing a Car for Your Teen (State Farm)
• How to Avoid Common Accidents (State Farm)
• Should I Buy a New or Used Car? (Allstate)
• Anti-Lock Brake FAQ (iihs.org)

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