Cheap 1991 Saab 900 Insurance Rates

When shopping for lower-priced insurance, are you confused by the number of car insurance choices available to you? You’re not alone. There are so many choices available that it can really be a challenge to find a more affordable company.

It’s smart to get comparison quotes quite often because prices trend upward over time. Just because you found the best price on 900 insurance last year you can probably find a lower rate today. Forget anything you know (or think you know) about car insurance because you’re going to learn one of the best ways to properly buy coverages and cut your premium.

Discount car insurance quotes

Car insurance is not cheap, but there’s a good chance there are discounts that many people don’t even know exist. Certain discounts will be triggered automatically when you purchase, but once in a while a discount must be inquired about before they will apply.

• Save over 55 – Drivers over the age of 55 may receive lower premium rates on 900 insurance.
• Pay Upfront and Save – By paying your policy upfront instead of monthly or quarterly installments you can actually save on your bill.
• Responsible Driver Discounts – Drivers who don’t get into accidents may save up to 50% more on 900 insurance as compared to drivers with claims.
• Active Military Service – Being deployed with a military unit could be rewarded with lower car insurance rates.
• Good Student – Getting good grades can save 20 to 25%. Many companies even apply the discount to college students until age 25.
• Multiple Cars – Insuring multiple cars on one policy can reduce rates for all insured vehicles.

A quick disclaimer, most of the big mark downs will not be given to your bottom line cost. The majority will only reduce the price of certain insurance coverages like collision or personal injury protection. Despite the fact that it seems like you would end up receiving a 100% discount, companies wouldn’t make money that way.

Companies that may offer policyholders some of the above discounts include:

• Travelers
• 21st Century
• State Farm
• Geico
• SAFECO
• AAA

When getting free car insurance quotes, it’s a good idea to each insurance company what discounts are available to you. Some of the earlier mentioned discounts may not apply to policyholders everywhere. To find providers with discount car insurance rates, click here to view.

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How insurance companies determine Saab 900 insurance rates

Many factors are part of the equation when you get a price on insurance. Some are obvious such as your driving record, but others are less obvious such as your marital status or how safe your car is.

• Higher coverage deductibles are cheaper – Physical damage deductibles tell how much you are required to spend before a claim is paid by your company. Coverage for physical damage, also called comprehensive and collision insurance, covers damage that occurs to your car. Examples of covered claims could be a windshield broken by a bird, fire damage, and damage caused by road hazards. The more of the claim you’re willing to pay, the bigger discount you will receive on 900 insurance.
• Prevent auto insurance lapses – Having an insurance coverage lapse will be a fast way to bump up your auto insurance costs. And not only will insurance be more expensive, failure to provide proof of insurance could earn you a hefty fine and possibly a revoked license. You will then be forced to file a SR-22 with your state motor vehicle department.
• More traffic equals higher rates – Living in a rural area is a good thing when shopping for auto insurance. Fewer drivers and short commutes means fewer accidents in addition to lower liability claims Drivers who live in large cities tend to have more traffic problems and much longer commute distances. The longer drive time statistically corresponds to a higher accident and claim rate.
• Pay lower rates if you’re married – Having a spouse may cut your premiums compared to being single. It translates into being more financially stable and statistics prove married couples file fewer claims.
• Keep the miles off and save – The more miles you rack up on your Saab annually the more you will pay for auto insurance. Most companies apply a rate based upon how you use the vehicle. Cars that are left in the garage receive lower rates compared to those used for work or business. It’s a good idea to make sure your auto insurance policy states annual mileage. Having the wrong rating on your 900 is throwing money out the window.
• Cheaper rates with safer cars – Cars with five star safety ratings can get you lower premiums. These vehicles reduce injuries and fewer serious injuries translates directly to fewer claims and more competitive rates for policyholders.
• Too many insurance claims drive up prices – Insurance companies award the best rates to drivers who only file infrequent claims. If you file a lot of claims you can look forward to either higher rates or even cancellation. Your car insurance is meant to be used in the event of major claims that would cause financial hardship.
• Don’t get traffic citations – Even a single citation can increase the cost of insurance twenty percent or more. Careful drivers get better prices than their less careful counterparts. Drivers who have received license-revoking tickets like hit and run, DWI or reckless driving convictions may find they need to file a proof of financial responsibility form (SR-22) with their state in order to prevent a license revocation.

Tailor your insurance coverage to you

When buying proper insurance coverage, there is no “perfect” insurance plan. Every situation is different.

For instance, these questions may help highlight if your insurance needs would benefit from an agent’s advice.

• Am I better off with higher deductibles on my 1991 Saab 900?
• How high should my medical payments coverage be?
• Do I benefit by insuring my home with the same company?
• I have health insurance so do I need medical payments coverage?
• Is a blown tire covered by insurance?
• When should I buy a commercial auto policy?
• Which companies will insure high-risk drivers?
• How can I force my company to pay a claim?
• Do I need more liability coverage?
• Can I drive in Mexico and have coverage?

If you don’t know the answers to these questions then you might want to talk to an agent. To find lower rates from a local agent, simply complete this short form.

Don’t listen to company ads

Respected companies like State Farm, Geico and Progressive regularly use ads on TV and radio. All the ads advertise claims that drivers will save a bundle if you move your auto insurance coverage to their company. How is it possible that every company can make the same claim?

Companies can use profiling for the driver that will not have excessive claims. A good example of this type of risk profile may be between the ages of 40 and 55, has no prior claims, and has a short commute. A customer who fits that profile will get very good prices and will probably save when switching.

Insureds who don’t qualify for this stringent profile will be charged a higher premium and ends up with business not being written. The ads say “drivers that switch” not “everybody who quotes” save the amount stated. That is how companies can truthfully make claims like that.

Different companies use different criteria so you really should compare quotes as often as possible. It’s impossible to know which auto insurance company will give you lower prices than your current company.

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Auto insurance 101

Learning about specific coverages of your insurance policy aids in choosing which coverages you need for your vehicles. Insurance terms can be confusing and coverage can change by endorsement.

Comprehensive coverages

Comprehensive insurance 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 insurance covers things such as damage from flooding, hitting a bird, rock chips in glass and hitting a deer. The highest amount a insurance company will pay at claim time is the market value of your vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Uninsured and underinsured coverage

Your UM/UIM coverage protects you and your vehicle’s occupants from other drivers when they are uninsured or don’t have enough coverage. This coverage pays for medical payments for you and your occupants as well as damage to your Saab 900.

Because many people only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is very important. Frequently these limits are similar to your liability insurance amounts.

Liability insurance

This coverage provides protection from damage or injury you incur to other’s property or people in an accident. It protects YOU against other people’s claims. Liability doesn’t cover damage to your own property or vehicle.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see policy limits of 25/50/25 which means $25,000 in coverage for each person’s injuries, a total of $50,000 of bodily injury coverage per accident, and property damage coverage for $25,000. Another option is one number which is a combined single limit that pays claims from the same limit without having the split limit caps.

Liability coverage protects against things like repair bills for other people’s vehicles, attorney fees, pain and suffering and legal defense fees. How much liability should you purchase? That is a personal decision, but you should buy higher limits if possible.

Auto collision coverage

Collision coverage will pay to fix damage to your 900 from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage pays for things such as sustaining damage from a pot hole, backing into a parked car and hitting a parking meter. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are 8 years or older. Another option is to bump up the deductible to bring the cost down.

Coverage for medical payments

Coverage for medical payments and/or PIP reimburse you for bills like funeral costs, prosthetic devices and nursing services. The coverages can be used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. They cover both the driver and occupants in addition to getting struck while a pedestrian. PIP is only offered in select states and gives slightly broader coverage than med pay

More choices the merrier

Some companies do not offer online quoting and many times these smaller companies work with independent insurance agencies. Cost effective 1991 Saab 900 insurance is possible from both online companies as well as from insurance agents, and you need to comparison shop both to get a complete price analysis.

Consumers change insurance companies for a number of reasons such as poor customer service, not issuing a premium refund, policy non-renewal or even lack of trust in their agent. Regardless of your reason, finding a new insurance coverage company can be easy and end up saving you some money.

As you restructure your insurance plan, make sure you don’t reduce coverage to reduce premium. In many instances, someone dropped physical damage coverage only to regret that the few dollars in savings costed them thousands. The goal is to buy enough coverage at the lowest possible cost.

More resources

• Distracted Driving Statistics (Insurance Information Insitute)
• Senior Drivers (Insurance Information Insitute)
• Credit Impacts Car Insurance Rates (State Farm)
• Auto Insurance 101 (About.com)

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