View 1993 Saab 900 Insurance Cost

Searching for cheaper auto insurance rates for your Saab 900? There isn’t a single person who likes having to buy auto insurance, especially knowing the price is too high.

Numerous auto insurance companies battle for your insurance dollar, and it can be difficult to compare rates and uncover the absolute best rates possible.

Finding insurance

There are a variety of methods to compare insurance prices but one way is less labor-intensive and much quicker. You can waste a few hours (or days) discussing policy coverages with local insurance agents in your area, or you could use online quoting to get the quickest rates.

Most major companies are enrolled in a marketplace where prospective buyers submit one quote, and at least one company provides a quote. This system prevents you from having to do quotation requests to every company.

To use this form to compare rates click here (opens in new window).

The one downside to using this type of form is you don’t know exactly which insurance companies to get pricing from. If you wish to select specific providers to compare, we have a page of the cheapest insurance companies in your area. Click to view list.

How you compare quotes is your choice, just be certain you are entering the exact same deductibles and coverage limits for every company. If you are comparing unequal deductibles or liability limits you can’t possibly determine the lowest rate for your Saab 900. Having just a slight variation in limits can make a big difference in price. And when comparing insurance rates, know that comparing more rates from different companies helps locate a better price.

Can you really save that much by switching?

Companies like Geico, State Farm and Progressive endlessly run ads on TV and radio. They all seem to convey the message that you can save just by moving to their company. How does every company charge you less for car insurance? It’s all in the words they use.

Many companies have strict underwriting profiles for the driver that earns them a profit. A good example of a preferred risk might have to be over the age of 35, has a clean driving record, and has great credit. Any customer who matches that profile is entitled to the best price and will save money with a new company.

Potential customers who don’t qualify for the ideal profile may be required to pay a more expensive rate and ends up with the customer not buying. The ad wording is “people that switch” not “everyone who quotes” will save that much if they switch. That is how insurance companies can advertise the savings. This really emphasizes why you really should get insurance coverage quotes from several different companies. It’s just too difficult to predict the company that will have the lowest rate quotes.

Discount insurance rates

Not many people think insurance is cheap, but companies offer discounts to reduce the price significantly. Some of these disounts will be visible at quote time, but once in a while a discount must be asked about in order for you to get them. If you aren’t receiving every discount available, you could be paying more than you need to.

• Clubs and Organizations – Having an affiliation with qualifying clubs or civic groups could qualify you for a break when shopping for insurance.
• Discount for Low Mileage – Fewer annual miles on your Saab may enable drivers to earn lower prices on the low mileage vehicles.
• Buy New and Save – Adding a new car to your policy can save up to 30% since newer vehicles have better safety ratings.
• Paperless Signup – A few larger online companies will provide an incentive just for signing your application on their website.
• Pay Upfront and Save – By making one initial payment rather than paying monthly you could save up to 5%.
• Seat Belts Save – Buckling up and requiring all passengers to buckle their seat belts could cut 10% or more off the PIP or medical payment premium.
• Waiver for an Accident – This isn’t a discount exactly, but some companies like Allstate and Geico will allow you to have one accident without raising rates so long as you are claim-free for a set time period.

One thing to note about discounts is that many deductions do not apply to your bottom line cost. Some only apply to specific coverage prices like liability, collision or medical payments. Just because it seems like you can get free auto insurance, it doesn’t quite work that way.

Popular insurance companies and a partial list of their discounts are outlined below.

• American Family may have discounts that include accident-free, bundled insurance, defensive driver, mySafetyValet, and TimeAway discount.
• State Farm may offer discounts for multiple policy, driver’s education, good student, anti-theft, student away at school, and Steer Clear safe driver discount.
• 21st Century offers discounts including anti-lock brakes, theft prevention, air bags, homeowners, and defensive driver.
• Travelers discounts include driver training, hybrid/electric vehicle, IntelliDrive, payment discounts, and continuous insurance.
• Geico offers discounts for federal employee, multi-policy, good student, seat belt use, and military active duty.

If you want cheap insurance coverage quotes, ask each insurance company to apply every possible discount. Depending on the company, some discounts might not be available to policyholders in every state.

Tailor your insurance coverage to you

When it comes to buying coverage for your vehicles, there isn’t really a “best” method to buy coverage. Every insured’s situation is different and a cookie cutter policy won’t apply. These are some specific questions might help in determining if your insurance needs may require specific advice.

• Does my 1993 Saab 900 need full coverage?
• Can I drive in Mexico and have coverage?
• Do all my vehicles need collision coverage?
• What is no-fault insurance?
• Do I need PIP (personal injury protection) coverage in my state?
• Is upholstery damage covered by car insurance?
• Should I buy additional glass protection?

If you can’t answer these questions but a few of them apply then you might want to talk to a licensed insurance agent. If you want to speak to an agent in your area, take a second and complete this form or you can go here for a list of companies in your area.

Coverage specifics

Knowing the specifics of a car insurance policy helps when choosing the best coverages at the best deductibles and correct limits. The terms used in a policy can be confusing and even agents have difficulty translating policy wording. Below you’ll find typical coverages found on most car insurance policies.

Auto liability insurance

This can cover damage that occurs to a person or their property in an accident. It protects YOU from claims by other people, and doesn’t cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see liability limits of 50/100/50 that means you have a $50,000 limit per person for injuries, $100,000 for the entire accident, and a total limit of $50,000 for damage to vehicles and property.

Liability coverage pays for things such as repair costs for stationary objects, medical expenses, attorney fees and structural damage. How much liability should you purchase? That is your choice, but you should buy as much as you can afford.

Medical expense coverage

Medical payments and Personal Injury Protection insurance reimburse you for short-term medical expenses for prosthetic devices, doctor visits, EMT expenses, funeral costs and surgery. They are used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. Coverage applies to all vehicle occupants in addition to getting struck while a pedestrian. Personal Injury Protection is not universally available but it provides additional coverages not offered by medical payments coverage

Comprehensive protection

Comprehensive insurance coverage pays to fix your vehicle from 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 can pay for things such as damage from flooding, fire damage, theft and rock chips in glass. The maximum payout a car insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Collision coverage

This coverage covers damage to your 900 from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage pays for claims like sustaining damage from a pot hole, scraping a guard rail, hitting a parking meter, crashing into a building and backing into a parked car. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. You can also increase the deductible to get cheaper collision coverage.

Uninsured or underinsured coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when other motorists are uninsured or don’t have enough coverage. Covered losses include injuries to you and your family and damage to your Saab 900.

Since many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. So UM/UIM coverage is very important.

Get your money’s worth

We covered many ways to lower your 1993 Saab 900 insurance premium rates. The most important thing to understand is the more times you quote, the better your comparison will be. You may even discover the best premium rates are with the smaller companies. These smaller insurers may only write in your state and offer lower prices than the large multi-state companies such as State Farm or Progressive.

As you prepare to switch companies, make sure you don’t skimp on coverage in order to save money. In too many instances, someone sacrificed comprehensive coverage or liability limits only to regret at claim time that the savings was not a smart move. Your aim should be to purchase plenty of coverage at the best cost, but do not skimp to save money.

There are still a few companies who may not have online quoting and these regional carriers sell through independent agents. Budget-conscious 1993 Saab 900 insurance is possible from both online companies in addition to local insurance agencies, and you should compare rates from both to have the best rate selection.

Additional auto insurance information is available on the following sites:

• Prepare your Teens for Safe Driving (InsureUonline.org)
• Teen Driving Statistics (iihs.org)
• Rental Car Insurance Tips (Insurance Information Insitute)
• Child Safety FAQ (iihs.org)