Lower Your 2008 Saab 9-3 Car Insurance Cost

Trying to find lower insurance rates for your Saab 9-3? Did budget coverage turn out to be an underperforming, overpriced insurance policy? Don’t sweat it because there are many drivers thinking the same thing. Because you have many insurance companies to choose from, it can be diffult for drivers to find the best insurer.

Affordable insurance quotes with discounts

The price of auto insurance can be rather high, but you might find some hidden discounts that could help you make your next renewal payment. Some trigger automatically when you complete an application, but some may not be applied and must be inquired about before you get the savings.

• Multi-policy Discount – If you combine your auto and homeowners policies and insure them with the same company you could save up to 20% off your total premium.
• Military Rewards – Being deployed with a military unit may lower your premium rates slightly.
• Discount for Life Insurance – Not every insurance company offers life insurance, but if they do you may earn a small discount if you purchase a life insurance policy as well.
• Senior Citizen Rates – If you qualify as a senior citizen, you may be able to get a small discount on rates on 9-3 insurance.
• Telematics Data – Drivers that enable their insurance company to monitor vehicle usage by installing a telematics device such as Allstate’s Drivewise and State Farm’s In-Drive system could save a few bucks if they have good driving habits.
• Theft Deterent – Vehicles equipped with anti-theft or alarm systems help deter theft and can earn a small discount on your policy.
• Passive Restraints – Options like air bags or motorized seat belts can receive discounts up to 30%.
• Federal Employees – Active or former government employment can earn a discount up to 10% on 9-3 insurance with some insurance companies.
• Seat Belt Usage – Drivers who require all occupants to wear their seat belts may be able to save a few bucks on the medical payments or PIP coverage costs.

Please keep in mind that many deductions do not apply to the entire cost. Most only reduce specific coverage prices like comprehensive or collision. Even though it appears it’s possible to get free car insurance, insurance companies wouldn’t stay in business.

If you would like to view companies with discount insurance rates, click here to view.

How to compare insurance coverage price quotes

There are a variety of methods to compare insurance coverage prices and some are more efficient than others. You can waste a few hours (or days) talking to local insurance agents in your area, or you can utilize the web to get pricing more quickly.

Many of the larger companies participate in a marketplace that enables customers to only type in their quote data once, and every company can provide price quotes for coverage. This prevents consumers from doing quotation requests to every company.

To use this form to compare rates click here to open in new window.

One minor caviat to using this type of form is you cannot specify which carriers to get quotes from. If you prefer to choose specific providers to compare prices, we have a page of low cost insurance coverage companies in your area. Click to view list.

How you compare quotes is your choice, just make sure you compare equivalent coverages and limits for every company. If you have different deductibles it will be next to impossible to decipher which rate is best.

Tailor your insurance coverage to you

When buying coverage for your vehicles, there isn’t really a single plan that fits everyone. Coverage needs to be tailored to your specific needs so your insurance needs to address that. These are some specific questions could help you determine whether or not you would benefit from an agent’s advice.

• Do I get a pro-rated refund if I cancel my policy early?
• Can I afford to pay high deductible claims out of pocket?
• What vehicles should carry emergency assistance coverage?
• When should my teen driver be added to my policy?
• When can my company non-renew my policy?
• Is borrowed equipment or tools covered if stolen or damaged?
• How high should my uninsured/underinsured coverage be in my state?
• Is my custom paint covered by insurance?
• What exactly is covered by my policy?
• What if I total my 2008 Saab 9-3 and owe more than it’s worth?

If you don’t know the answers to these questions, you might consider talking to an agent. To find lower rates from a local agent, simply complete this short form or click here for a list of insurance companies in your area. It is quick, free and can provide invaluable advice.

Insurance coverage considerations

Having a good grasp of your policy can help you determine appropriate coverage at the best deductibles and correct limits. The coverage terms in a policy can be difficult to understand and nobody wants to actually read their policy. Below you’ll find the normal coverages found on most insurance policies.

Liability

Liability insurance provides protection from damages or injuries you inflict on other people or property that is your fault. This insurance protects YOU from legal claims by others. It does not cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show limits of 25/50/25 that translate to $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and $25,000 of coverage for damaged propery. Alternatively, you may have a combined single limit or CSL which combines the three limits into one amount rather than limiting it on a per person basis.

Liability can pay for things like attorney fees, emergency aid and bail bonds. How much coverage you buy is up to you, but it’s cheap coverage so purchase as large an amount as possible.

Med pay and Personal Injury Protection (PIP)

Medical payments and Personal Injury Protection insurance pay for bills for prosthetic devices, funeral costs, chiropractic care and doctor visits. The coverages can be used to cover expenses not covered by your health insurance program or if you do not have health coverage. Coverage applies to both the driver and occupants and will also cover being hit by a car walking across the street. PIP is not an option in every state but can be used in place of medical payments coverage

Uninsured/Underinsured Motorist (UM/UIM)

This protects you and your vehicle when the “other guys” are uninsured or don’t have enough coverage. It can pay for injuries to you and your family and also any damage incurred to your Saab 9-3.

Since many drivers have only the minimum liability required by law, their limits can quickly be used up. So UM/UIM coverage is important protection for you and your family. Most of the time the UM/UIM limits are set the same as your liablity limits.

Comprehensive insurance

Comprehensive insurance covers damage that is not covered by collision coverage. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things such as hitting a bird, damage from getting keyed, damage from a tornado or hurricane, damage from flooding and a tree branch falling on your vehicle. The maximum amount your insurance company will pay is the actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Collision coverage protection

Collision insurance pays for damage to your 9-3 resulting 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 insurance covers claims such as rolling your car, scraping a guard rail and damaging your car on a curb. Paying for collision coverage can be pricey, so you might think about dropping it from lower value vehicles. Drivers also have the option to increase the deductible to bring the cost down.

Be Smart and Buy Smart

We just presented many ways to save on 2008 Saab 9-3 insurance. The key concept to understand is the more rate quotes you have, the better chance you’ll have of finding affordable insurance. Consumers could even find that the lowest priced auto insurance comes from a small mutual company. Some small companies often have lower rates on specific markets compared to the large companies like Progressive and Geico.

As you go through the steps to switch your coverage, never buy poor coverage just to save money. In too many instances, an insured cut liability limits or collision coverage only to regret that it was a big error on their part. The aim is to buy the best coverage you can find for the lowest price, but do not skimp to save money.

Other information

• How do I File a Claim? (Insurance Information Insitute)
• Can I Drive Legally without Insurance? (Insurance Information Insitute)
• If I File a Claim will My Insurance Go Up? (Insurance Information Insitute)
• Choosing a Car for Your Teen (State Farm)