2006 Saab 9-2X Car Insurance Rates – 9 Savings Tips

Do you get confused by the sheer number of auto insurance companies in your area? You’re not alone. Drivers have so many choices that it is a difficult mission to locate the lowest premium rates.

Shopping for the cheapest coverage is quite easy. Basically, everyone who is required by state law to have auto insurance will more than likely be able to lower their premiums. But consumers can benefit by having an understanding of how insurance companies price insurance differently.

Save with these nine discounts

Car insurance is expensive, but you might find some hidden discounts that many people don’t even know exist. Certain reductions will be credited at quote time, but occassionally some discounts must be asked for prior to getting the savings.

• Discount for Low Mileage – Maintaining low annual mileage may allow you to get substantially lower prices.
• Safety Restraint Discount – Drivers who require all vehicle occupants to fasten their seat belts could save 15% on medical payment and PIP coverage.
• Good Student Discount – Getting good grades can get you a discount of up to 25%. The discount lasts up until you turn 25.
• Homeowners Pay Less – Just owning your own home can save a few bucks since owning and maintaining a home shows financial diligence.
• Theft Deterent Discount – Anti-theft and alarm system equipped vehicles prevent vehicle theft and will qualify for a discount on a insurance quote.
• ABS Brakes – Cars with anti-lock braking systems can reduce accidents and the ABS can save up to 10%.
• No Accidents – Drivers with accident-free driving histories pay less in comparison to bad drivers.
• Professional Memberships – Belonging to a civic or occupational organization may earn a discount on car insurance.
• Good Drivers – Safe drivers could pay up to 40% less on 9-2X insurance compared to accident prone drivers.

Please keep in mind that most credits do not apply to your bottom line cost. Most only reduce specific coverage prices like collision or personal injury protection. Just because it seems like you can get free auto insurance, companies don’t profit that way.

A list of companies and a selection of discounts are outlined below.

• Geico offers premium reductions for five-year accident-free, multi-vehicle, seat belt use, military active duty, defensive driver, and emergency military deployment.
• Mercury Insurance offers discounts for age of vehicle, professional/association, type of vehicle, good student, and multi-policy.
• Farmers Insurance has discounts for distant student, teen driver, alternative fuel, switch companies, and business and professional.
• Auto-Owners Insurance has savings for group or association, safe vehicle, teen driver, anti-lock brakes, air bags, anti-theft, and paid in full.
• Liberty Mutual may include discounts for exclusive group savings, teen driver discount, multi-car, preferred payment discount, newly married, and good student.
• SAFECO discounts include safe driver, accident prevention training, teen safety rewards, anti-lock brakes, homeowner, bundle discounts, and drive less.
• Progressive offers discounts including multi-vehicle, multi-policy, homeowner, online quote discount, and online signing.
• USAA policyholders can earn discounts including loyalty savings, driver training, defensive driver, good student, and vehicle storage.

Double check with every company how many discounts you can get. Discounts may not apply to policies in every state. If you would like to choose from a list of insurance companies that offer some of these discounts, click here to view.

Special considerations

When buying the best insurance coverage for your vehicles, there is no perfect coverage plan. Every situation is different.

These are some specific questions can help discover if your situation could use an agent’s help.

• How much underlying liability do I need for an umbrella policy?
• Does coverage extend to Mexico or Canada?
• Is my 2006 Saab 9-2X covered for flood damage?
• Is rental equipment covered for theft or damage?
• How much can I save by bundling my policies?
• How much liability insurance is required?
• Does my policy cover me when driving someone else’s vehicle?
• Do I have coverage when making deliveries for my home business?
• Am I covered when driving a rental car?

If you’re not sure about those questions but a few of them apply, you may need to chat with a licensed agent. If you want to speak to an agent in your area, take a second and complete this form.

Insurance coverage breakdown

Knowing the specifics of insurance helps when choosing which coverages you need for your vehicles. Policy terminology can be difficult to understand and coverage can change by endorsement.

Comprehensive or Other Than Collision

Comprehensive insurance coverage covers damage caused by mother nature, theft, vandalism and other events. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage protects against claims such as falling objects, a tree branch falling on your vehicle, damage from getting keyed and hitting a deer. The highest amount your insurance company will pay is the market value of your vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

UM/UIM Coverage

This provides protection from other motorists when they do not carry enough liability coverage. It can pay for medical payments for you and your occupants as well as damage to your Saab 9-2X.

Since a lot of drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is a good idea. Normally the UM/UIM limits do not exceed the liability coverage limits.

Liability coverages

This coverage can cover damages or injuries you inflict on a person or their property in an accident. Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show limits of 100/300/100 that means you have a $100,000 limit per person for injuries, $300,000 for the entire accident, and a limit of $100,000 paid for damaged property. Another option is one number which is a combined single limit which provides one coverage limit with no separate limits for injury or property damage.

Liability coverage protects against things like repair costs for stationary objects, medical expenses, attorney fees, structural damage and pain and suffering. How much liability coverage do you need? That is up to you, but it’s cheap coverage so purchase as large an amount as possible.

Medical costs insurance

Med pay and PIP coverage reimburse you for short-term medical expenses like pain medications, hospital visits and funeral costs. They are utilized in addition to your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover both the driver and occupants as well as being hit by a car walking across the street. Personal Injury Protection is not universally available but it provides additional coverages not offered by medical payments coverage

Collision protection

Collision insurance will pay to fix damage to your 9-2X 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 can pay for things such as driving through your garage door, sideswiping another vehicle and colliding with a tree. Collision is rather expensive coverage, so consider removing coverage from vehicles that are 8 years or older. You can also raise the deductible to save money on collision insurance.

Don’t break the bank

When buying insurance coverage, never sacrifice coverage to reduce premiums. There have been many situations where consumers will sacrifice collision coverage only to regret at claim time that a couple dollars of savings turned into a financial nightmare. The proper strategy is to buy enough coverage at the best cost, not the least amount of coverage.

In this article, we presented a lot of tips how to lower your 2006 Saab 9-2X insurance prices. The most important thing to understand is the more providers you compare, the better chance you’ll have of finding inexpensive insurance. You may even find the lowest priced car insurance comes from an unexpected company.

Affordable 2006 Saab 9-2X insurance is definitely available online in addition to many insurance agents, and you need to price shop both to have the best rate selection. There are still a few companies who don’t offer rate quotes online and usually these small, regional companies only sell through independent insurance agencies.

Additional detailed information can be read in these articles:

• Safety Belts FAQ (iihs.org)
• Determing Auto Insurance Rates (Geico)
• Protecting Teens from Drunk Driving (Insurance Information Insitute)
• Booster Seat Ratings (iihs.org)
• What is Full Coverage? (Allstate)
• Prepare your Teens for Safe Driving (InsureUonline.org)