Compare 2008 Saab 9-3 Insurance Cost

Think you have overpriced car insurance? Don’t sweat it because you’re not alone.

Lots of insurance companies contend to insure your vehicles, and it can be difficult to compare rates and get the definite lowest rate

Four tips to get lower-cost insurance prices

A large part of saving on car insurance is knowing some of the things that aid in calculating your policy premiums. When you understand what impacts premium levels, this enables you to make decisions that will entitle you to big savings. Many things are used in the calculation when you get your auto insurance bill. Some are obvious such as your driving record, although others are more obscure such as your credit history or how safe your car is.

Listed below are some of the factors used by companies to determine rates.

• Obey driving laws and save – Being a careful driver impacts your car insurance rates tremendously. Good drivers have lower premiums compared to bad drivers. Even one chargable violation can increase rates forty percent or more. Drivers with serious tickets such as hit and run, DWI or reckless driving convictions are required to file a SR-22 with their state’s department of motor vehicles in order to legally drive.
• Keep car insurance claims to a minimum – If you file a lot of claims you can look forward to increased rates or even have your policy non-renewed. Insurance companies provide the best rates to drivers who are claim-free. Your car insurance is intended for major claims that would cause financial hardship.
• What are your comp and collision deductibles? – Comp and collision deductibles represent how much money you are required to spend if a claim is determined to be covered. Physical damage insurance, termed comprehensive and collision coverage on your policy, is used to repair damage to your car. A few examples of covered claims are collision with another vehicle, fire damage, and damage from wind. The more of the claim the insured has to pay upfront, the lower your rates will be for 9-3 coverage.
• High credit means lower costs – Your credit score is a big factor in determining premium rates. So if your credit score is low, you could pay less to insure your 2008 Saab 9-3 if you improve your credit rating. Insureds that have very good credit scores tend to be more responsible and file fewer claims than those with lower credit ratings.

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Car insurance discounts help cut rates

Car insurance is easily one of your largest bills, but you might be missing out on some discounts to help bring down the price. Larger premium reductions will be automatically applied when you complete an application, but lesser-known reductions have to be asked for before they will apply.

• Policy Bundle Discount – When you combine your home and auto insurance and insure them with the same company you will save over 10 percent off each policy depending on the company.
• Low Miles Discount – Low annual miles could earn lower car insurancerates due to less chance of an accident.
• Smart Student Discounts – Getting good grades can save 20 to 25%. The discount lasts up until you turn 25.
• Multiple Vehicles – Purchasing coverage when you have multiple cars with one company can reduce rates for all insured vehicles.
• Air Bags and Passive Restraints – Vehicles with factory air bags may earn rate discounts up to 30%.
• Payment Discounts – By paying your policy upfront as opposed to paying monthly you could save 5% or more.

Drivers should understand that some credits don’t apply to the overall cost of the policy. The majority will only reduce the price of certain insurance coverages like physical damage coverage or medical payments. Even though it appears you can get free auto insurance, you’re out of luck.

The best car insurance companies and the discounts they provide include:

• The Hartford policyholders can earn discounts including driver training, anti-theft, bundle, air bag, vehicle fuel type, and good student.
• American Family may have discounts that include TimeAway discount, good driver, early bird, accident-free, air bags, good student, and multi-vehicle.
• Progressive offers discounts for online signing, online quote discount, continuous coverage, homeowner, and multi-vehicle.
• Travelers may offer discounts for payment discounts, multi-car, new car, continuous insurance, and student away at school.
• Farmers Insurance includes discounts for alternative fuel, switch companies, good student, mature driver, and early shopping.
• USAA has savings for family discount, multi-policy, vehicle storage, driver training, new vehicle, and annual mileage.
• Liberty Mutual has discounts for good student, new graduate, hybrid vehicle, multi-car, teen driver discount, new vehicle discount, and multi-policy.

If you need the cheapest auto insurance quotes, ask every company to apply every possible discount. Discounts may not apply to policies in your area. To see a list of car insurance companies that offer multiple discounts, follow this link.

Tricks in car insurance advertising

Allstate and Progressive continually stream ads on TV and radio. They all have a common claim of big savings if you get a free auto insurance quote and switch your policy. How can each company claim to save you money? This is how they do it.

All the different companies look for specific characteristics for a prospective insured that earns them the most money. For instance, this type of insured might have to be between the ages of 30 and 50, owns their home, and drives newer vehicles. Any person who matches those parameters receive the lowest rate quotes as well as save a lot of money.

People who don’t measure up to this stringent profile will get higher premium rates which usually ends up with the customer buying from a different company. If you pay close attention to the ads, they say “drivers who switch” not “everyone that quotes” can save as much as they claim. That is how companies can truthfully make it sound like they have such great auto insurance rates. Each company has different criteria, so drivers must get as many free auto insurance quotes as possible. It’s just too difficult to predict which insurance companies will have the lowest rates for your situation.

Which is the best insurance?

When choosing proper insurance coverage, there really is not a single plan that fits everyone. Your needs are not the same as everyone else’s so your insurance should reflect that Here are some questions about coverages that can aid in determining if your situation may require specific advice.

• When can I cancel my policy?
• Does my 2008 Saab 9-3 need full coverage?
• How do I insure my teen driver?
• Is my business laptop covered if it gets stolen from my vehicle?
• Is a fancy paint job covered?
• Does coverage extend to a rental car in a foreign country?

If you’re not sure about those questions, you may need to chat with an insurance agent. If you want to speak to an agent in your area, fill out this quick form or go to this page to view a list of companies.

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Car insurance 101

Learning about specific coverages of a auto insurance policy aids in choosing which coverages you need at the best deductibles and correct limits. The terms used in a policy can be impossible to understand and reading a policy is terribly boring. Shown next are the usual coverages available from auto insurance companies.

Med pay and Personal Injury Protection (PIP)

Coverage for medical payments and/or PIP kick in for expenses for chiropractic care, ambulance fees and dental work. The coverages can be used to fill the gap from your health insurance program or if you do not have health coverage. It covers you and your occupants and will also cover if you are hit as a while walking down the street. Personal injury protection coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Auto liability insurance

This provides protection from injuries or damage you cause to people or other property that is your fault. This insurance protects YOU against other people’s claims. It does not cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see limits of 25/50/25 which means $25,000 bodily injury coverage, $50,000 for the entire accident, and a limit of $25,000 paid for damaged property.

Liability insurance covers claims such as attorney fees, funeral expenses, structural damage and emergency aid. How much coverage you buy is a personal decision, but it’s cheap coverage so purchase as much as you can afford.

Collision coverage protection

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

Collision insurance covers things like sideswiping another vehicle, backing into a parked car, sustaining damage from a pot hole, colliding with another moving vehicle and driving through your garage door. This coverage can be expensive, so you might think about dropping it from older vehicles. It’s also possible to choose a higher deductible to save money on collision insurance.

Comprehensive insurance

This pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things like hitting a bird, damage from a tornado or hurricane and rock chips in glass. The maximum payout your auto insurance company will pay is the ACV or actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Uninsured/Underinsured Motorist (UM/UIM)

This protects you and your vehicle’s occupants from other motorists when they do not carry enough liability coverage. It can pay for medical payments for you and your occupants and damage to your 2008 Saab 9-3.

Since a lot of drivers have only the minimum liability required by law, their limits can quickly be used up. For this reason, having high UM/UIM coverages is very important.

In Summary

When trying to cut insurance costs, it’s a bad idea to sacrifice coverage to reduce premiums. In many instances, someone sacrificed physical damage coverage only to regret that the savings was not a smart move. The ultimate goal is to buy the best coverage you can find at an affordable rate, but do not sacrifice coverage to save money.

Budget-conscious 2008 Saab 9-3 insurance can be bought both online in addition to many insurance agents, so you need to quote auto insurance with both to have the best selection. Some insurance providers may not have the ability to get a quote online and many times these small insurance companies prefer to sell through local independent agents.

For more information, link through to the following helpful articles:

• Keeping Children Safe in Crashes Video (iihs.org)
• Distracted Driving Extends Beyond Texting (State Farm)
• Neck Injury FAQ (iihs.org)
• What are my Rights when Filing a Claim? (Insurance Information Insitute)
• Crash Avoidance Technologies FAQ (iihs.org)

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