Cheap 2003 Saab 9-3 Insurance Quotes

Online price comparisons for affordable auto insurance may appear to be difficult at first if you are one of the many people new to online car insurance quotes. Don’t let the process intimidate you because finding lower quotes is actually fairly simple.

How much does insurance cost?

When shopping for insurance there are multiple ways of comparing rate quotes from different insurance companies. One of the best ways to find competitive 2003 Saab 9-3 insurance rates consists of obtaining rate quotes online. It’s really quite simple and can be done by using one of the methods below.

• The simplest way to compare a lot of rates at once is a comparison rater form like this one (opens in new window). This easy form prevents you from having to do boring form submissions for every company. Completing one form gets rate comparisons from multiple companies. Recommended for those who want to invest the least amount of time.
• A more difficult way to analyze rates consists of visiting each company website to complete a price quote. For instance, let’s assume you want to compare prices for Nationwide, 21st Century and Geico. To get rate quotes you would need to visit each site to input your insurance information, which can be really labor intensive. For a list of links to companies insuring cars in your area, click here.
• The least recommended way to comparison shop rate quotes is actually driving to all the different insurance agencies. The fact that you can get quotes online eliminates this option unless you want the personal advice of an agent trained in personal lines coverage. Drivers can price shop online but purchase the actual policy in an agency.

Whichever way you choose to compare rates, be certain you are entering apples-to-apples coverage limits for each comparison quote. If you have mixed coverages it will be next to impossible to determine the best price for your Saab 9-3. Just slight variations in limits could mean much higher rates. And when price shopping your coverage, comparing more company’s prices provides better odds of finding a lower rate than you’re paying now. Not every company does quotes online, so it’s necessary to compare quotes from those companies as well.

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Smart consumers can save money

Many things are part of the calculation when pricing auto insurance. Some are obvious like an MVR report, but other factors are not quite as obvious such as whether you are married or how financially stable you are.

The list below includes just a few of the factors used by insurance companies to determine rates.

• File car insurance claims and pay more – If you are a frequent claim filer, you can pretty much guarantee much higher rates or policy non-renewal. Insurance companies provide the best rates to people who do not file claims often. Your insurance policy is intended for claims that pose a financial burden.
• Five star NHTSA crash test rating saves money – Cars with high safety ratings tend to be cheaper to insure. Safe vehicles reduce injuries and lower injury rates translates into savings for insurance companies and thus lower rates. If your Saab 9-3 earned at least an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website it is probably cheaper to insure.
• Higher deductibles are cheaper – Physical damage coverage, aka comp and collision, covers your vehicle from damage. Some coverage claims could be a dented fender, damage caused by hail, and damage from a fallen tree branch. Comp and collision deductibles are the amount of money you are required to spend out-of-pocket if a covered claim is submitted. The larger the amount you are required to pay out-of-pocket, the less your company will charge you for insurance on 9-3 coverage.
• Gender and insurance coverage – Statistics have proven women tend to be less risk to insure than men. However, this does not mean men are WORSE drivers than women. Both genders cause fender benders in similar percentages, but males cause more damage. Not only are claims higher, but men receive more major tickets like driving under the influence (DUI). Teenage male drivers are most likely to cause an accident and therefore are the most expensive to insure.
• Compare rates if you combine your policies – Most major insurance companies apply discounts to clients that purchase more than one policy. It’s known as a multi-policy discount. This can amount to ten percent or more. Even if you already get this discount, it’s in your best interest to get quotes from other companies to help guarantee you have the best rates.
• Rates can be impacted by your job – Occupations like real estate brokers, social workers and financial analysts generally have higher premium rates due to intense work situations and long work days. Other careers like scientists, students and homemakers get better rates on 9-3 coverage.
• Annual mileage and car insurance rates – The more miles you rack up on your Saab in a year’s time the higher your rate. Most companies charge to insure your cars based on how the vehicle is used. Cars and trucks used primarily for pleasure use can be on a lower rate level than cars that get driven a lot. Verify your declarations sheet reflects the right rating data, because it can save money. Incorrect rating for your 9-3 is throwing money out the window.

These discounts can lower your insurance coverage rates

Car insurance is not cheap, but there may be some discounts that may help make it more affordable. Larger premium reductions will be automatically applied when you get a quote, but occassionally some discounts must be asked for before they will apply.

• Cautious Driver Discount – Accident-free drivers may receive a discount up to 45% on 9-3 coverage compared to accident prone drivers.
• Early Renewal Discounts – A few larger companies give discounts for switching policies before your current policy expires. It can save you around 10%.
• Resident Student – Any of your kids who are enrolled in a college that is more than 100 miles from home and do not have access to a covered vehicle could get you a discount.
• Senior Citizen Rates – If you’re over the age of 55, you may be able to get reduced rates on 9-3 coverage.
• Discount for Life Insurance – Some insurance carriers give a small discount if you purchase some life insurance too.
• Theft Prevention Discount – Vehicles that have factory alarm systems and tracking devices are stolen less frequently and will save you 10% or more.
• Claim-Free Discount – Good drivers with no accidents can save substantially as compared to frequent claim filers.
• Save with More Vehicles Insured – Insuring primary and secondary vehicles on one policy may reduce the rate for each vehicle.
• Military Discounts – Being on active duty in the military may qualify for rate reductions.

It’s important to note that most of the big mark downs will not be given to the entire policy premium. Most cut specific coverage prices like liability and collision coverage. If you do the math and it seems like adding up those discounts means a free policy, that’s just not realistic. But any discount will cut the cost of coverage.

Large insurance coverage companies and their offered discounts can be found below.

• Mercury Insurance offers premium reductions for anti-theft, professional/association, age of vehicle, ease of repair, multi-policy, and location of vehicle.
• Farmers Insurance includes discounts for bundle discounts, distant student, youthful driver, mature driver, good student, and electronic funds transfer.
• Farm Bureau may offer discounts for 55 and retired, multi-policy, multi-vehicle, good student, and driver training.
• State Farm policyholders can earn discounts including safe vehicle, passive restraint, good student, multiple autos, and anti-theft.
• Allstate discounts include senior citizen, early signing, EZ pay plan discount, anti-theft, and utility vehicle.
• Geico may include discounts for seat belt use, daytime running lights, membership and employees, anti-theft, and defensive driver.

It’s a good idea to ask all companies you are considering which discounts you qualify for. Some of the discounts discussed earlier may not be available in your state. To find providers with the best discounts, click this link.

Different people need different insurance coverages

When it comes to choosing proper insurance coverage for your personal vehicles, there really is no best way to insure your cars. Everyone’s needs are different.

For example, these questions might help in determining whether or not you could use an agent’s help.

• Do I need to file an SR-22 for a DUI in my state?
• Is business equipment covered while in my vehicle?
• Do I need rental car coverage?
• Do all my vehicles need collision coverage?
• What are the financial responsibility laws in my state?
• Can my teen driver be rated on a liability-only vehicle?
• Why am I required to buy high-risk coverage?
• Will my rates increase for filing one claim?

If you can’t answer these questions but one or more may apply to you then you might want to talk to a licensed agent. If you don’t have a local agent, take a second and complete this form.

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Car insurance coverage specifics

Understanding the coverages of your car insurance policy helps when choosing the right coverages at the best deductibles and correct limits. Car insurance terms can be confusing and nobody wants to actually read their policy.

Protection from uninsured/underinsured drivers

Your UM/UIM coverage provides protection from other motorists when they are uninsured or don’t have enough coverage. Covered losses include hospital bills for your injuries as well as damage to your Saab 9-3.

Since many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is very important. Frequently these limits are similar to your liability insurance amounts.

Liability car insurance

Liability insurance can cover damage or injury you incur to other people or property by causing an accident. It protects YOU from legal claims by others. Liability doesn’t cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show limits of 50/100/50 that translate to $50,000 in coverage for each person’s injuries, a total of $100,000 of bodily injury coverage per accident, and a limit of $50,000 paid for damaged property. Alternatively, you may have one number which is a combined single limit which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability coverage pays for claims like pain and suffering, emergency aid, funeral expenses and repair costs for stationary objects. The amount of liability coverage you purchase is your choice, but you should buy as much as you can afford.

Collision coverage

Collision coverage pays for damage to your 9-3 resulting from a collision with a stationary object or other vehicle. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims like backing into a parked car, colliding with a tree, driving through your garage door, crashing into a ditch and damaging your car on a curb. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from older vehicles. Another option is to increase the deductible in order to get cheaper collision rates.

Comprehensive (Other than Collision)

Comprehensive insurance coverage will pay to fix damage that is not covered by collision coverage. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims like damage from flooding, fire damage, hail damage and damage from getting keyed. The most you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Medical expense insurance

Med pay and PIP coverage reimburse you for expenses for pain medications, surgery, ambulance fees, hospital visits and X-ray expenses. They can be utilized in addition to your health insurance plan or if you do not have health coverage. Coverage applies to both the driver and occupants and will also cover any family member struck as a pedestrian. Personal Injury Protection is not available in all states but it provides additional coverages not offered by medical payments coverage

In the end, you save

When searching for inexpensive auto insurance quotes, don’t be tempted to reduce coverage to reduce premium. There have been many situations where an accident victim reduced full coverage and discovered at claim time that the few dollars in savings costed them thousands. The ultimate goal is to purchase plenty of coverage at the lowest possible cost while still protecting your assets.

We just presented some good ideas how you can lower your 2003 Saab 9-3 insurance prices. The key thing to remember is the more companies you get rates for, the higher the chance of saving money. You may even discover the lowest prices are with some of the smallest insurance companies.

Discount 2003 Saab 9-3 insurance can be found on the web and from local agencies, so you should compare both to have the best selection. Some companies do not offer rate quotes online and these smaller providers only sell coverage through independent agencies.

For more information, feel free to visit these articles:

• Teen Driving Statistics (iihs.org)
• Rental Car Insurance Tips (Insurance Information Insitute)
• What is a Telematics Device? (Allstate)
• Frontal Crash Tests (iihs.org)

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