1999 Saab 9-3 Insurance Cost – 10 Savings Tips

Want lower car insurance rates for your Saab 9-3? Trying to find low-cost insurance for a Saab 9-3 could be a lot of work, but you can use these tips to save time.

There is a better way to compare car insurance rates and you need to know the best way to compare rates for a Saab and obtain the cheapest rates from local insurance agents and online providers.

If you have insurance now or are shopping for new coverage, you can follow these tips to find the best rates while maximizing coverage. Finding the best insurance coverage is not that difficult. Drivers just need to know the best way to find the lowest price over the internet.

The quickest method we recommend to compare rates is to realize most of the bigger providers actually pay money for the chance to give rate comparisons. To start a quote, the only thing you need to do is spend a couple of minutes providing details such as the make and model of your vehicles, whether or not you need a SR-22, coverage limits, and your credit rating estimate. That information is automatically sent to insurance companies and they provide comparison quotes very quickly.

Double check you’re getting these ten discounts

Some insurance providers don’t always list their entire list of discounts very well, so here is a list a few of the more common and also the more inconspicuous credits available to you. If you aren’t receiving every discount possible, you are throwing money away.

• Membership in Organizations – Affiliation with specific professional or occupational memberships or organizations could trigger savings on insurance.
• Accident-Free Discounts – Drivers with accident-free driving histories have much lower rates in comparison with insureds who have frequent claims or accidents.
• Drive Less and Save – Driving fewer miles may allow you to get discounted insurancerates on garaged vehicles.
• ABS Braking Discount – Cars, trucks, and SUVs equipped with ABS or steering control can reduce accidents and will save you 10% or more.
• Defensive Driver Discount – Successfully completing a safe driver course could save 5% or more depending on where you live.
• Multi-policy Discount – When you combine your auto and homeowners insurance with the same company they may give you a discount of 10% to 20% off each policy.
• Senior Citizen Discount – Drivers that qualify as senior citizens may be able to get a slight reduction on a auto insurance quote for 9-3 coverage.
• Responsible Driver Discounts – Insureds who avoid accidents can save as much as half off their rates for 9-3 coverage compared to accident prone drivers.
• Air Bags and Passive Restraints – Factory air bags or automatic seat belts could see savings of more than 20%.
• Pay Upfront and Save – By making one initial payment instead of monthly or quarterly installments you could save 5% or more.

Don’t be surprised that most discount credits are not given to the entire policy premium. Some only apply to specific coverage prices like medical payments or collision. So even though you would think you could get a free insurance policy, you aren’t that lucky. But any discount will lower your policy premium.

Insurance companies that may offer most of these discounts possibly include:

• Geico
• USAA
• Progressive
• American Family
• Esurance
• Farmers Insurance
• State Farm

When quoting, ask each company the best way to save money. Some discounts listed above might not apply in your area.

Special considerations

When it comes to choosing adequate coverage for your personal vehicles, there really is not a perfect coverage plan. Everyone’s needs are different.

For example, these questions can aid in determining whether or not you would benefit from professional advice.

• Do I need more liability coverage?
• Is a fancy paint job covered?
• Do I need an umbrella policy?
• Is pleasure use cheaper than using my 1999 Saab 9-3 to commute?
• Is my vehicle covered by my employer’s policy when using it for work?
• What is the ISO rating for a 1999 Saab 9-3?

If it’s difficult to answer those questions, you may need to chat with a licensed insurance agent. To find an agent in your area, simply complete this short form. It’s fast, doesn’t cost anything and you can get the answers you need.

Car insurance coverage breakdown

Learning about specific coverages of a car insurance policy can help you determine the best coverages and proper limits and deductibles. Policy terminology can be confusing and reading a policy is terribly boring.

Liability auto insurance

Liability insurance provides protection from damage that occurs to a person or their property by causing an accident. It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see policy limits of 100/300/100 which means a $100,000 limit per person for injuries, a limit of $300,000 in injury protection per accident, and a total limit of $100,000 for damage to vehicles and property. Another option is a combined limit that pays claims from the same limit without having the split limit caps.

Liability can pay for things such as attorney fees, pain and suffering, emergency aid, court costs and legal defense fees. The amount of liability coverage you purchase is your choice, but consider buying as high a limit as you can afford.

Comprehensive protection

Comprehensive insurance coverage covers damage from a wide range of events other than collision. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things like damage from flooding, damage from getting keyed, a broken windshield and rock chips in glass. The highest amount a car insurance company will pay at claim time is the market value of your vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Uninsured or underinsured coverage

Your UM/UIM coverage protects you and your vehicle from other motorists when they either are underinsured or have no liability coverage at all. Covered claims include injuries sustained by your vehicle’s occupants and also any damage incurred to your Saab 9-3.

Since a lot of drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Frequently the UM/UIM limits do not exceed the liability coverage limits.

Collision protection

This will pay to fix damage to your 9-3 resulting from colliding with another car or object. You will need to pay your deductible and then insurance will cover the remainder.

Collision insurance covers things such as crashing into a building, damaging your car on a curb and scraping a guard rail. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from older vehicles. Drivers also have the option to choose a higher deductible in order to get cheaper collision rates.

Medical expense coverage

Personal Injury Protection (PIP) and medical payments coverage reimburse you for short-term medical expenses for things like pain medications, doctor visits, rehabilitation expenses and funeral costs. They are used to fill the gap from your health insurance program or if you are not covered by health insurance. Medical payments and PIP cover both the driver and occupants and also covers getting struck while a pedestrian. Personal injury protection coverage is not universally available and may carry a deductible