View 2003 Saab 9-3 Insurance Rates

Trying to find better insurance rates for your Saab 9-3? Being forced to pay for pricey insurance premiums can bleed your funds and put a big crunch on your finances.

Multiple insurers compete for your insurance dollar, and it can be difficult to compare rates to get the best rate

It’s a good idea to do price comparisons every six months due to the fact that insurance prices are constantly changing. Despite the fact that you may have had the lowest price on 9-3 coverage two years ago you will most likely find a better rate quote today. You can search a lot of insurance online but I’m going to show you a lot of great tips on how to save money.

Take policy discounts and save

Companies don’t necessarily list all available discounts very clearly, so we researched both the well known and the harder-to-find savings tricks you should be using when you buy car insurance online.

• Drivers Ed for Students – Reduce the cost of insurance for teen drivers by having them participate in a local driver’s education class as it can save substantially.
• Passenger Safety Discount – Vehicles equipped with air bags or automatic seat belts could see savings of 20% or more.
• Active Military Service – Being deployed in the military could be rewarded with lower car insurance rates.
• Sign Online – Some of the larger companies will provide an incentive for buying a policy and signing up digitally online.
• Mature Driver Discount – If you qualify as a senior citizen, you may receive lower premium rates on 9-3 coverage.
• No Charge for an Accident – Not really a discount, but companies like State Farm, Progressive and Geico will let one accident slide before raising your premiums so long as you haven’t had any claims for a specific time period.
• No Claim Discounts – Drivers who stay claim-free pay less in comparison with bad drivers.
• Low Miles Discount – Keeping the miles down on your Saab could be rewarded with slightly better rates than normal.
• Home Ownership Discount – Owning a home can help you save on car insurance because of the fact that having a home shows financial diligence.
• Renewal Discounts – Some insurance companies give discounts for renewing your policy prior to your current policy expiration. It can save you around 10%.

Consumers should know that most credits do not apply to all coverage premiums. Most cut specific coverage prices like physical damage coverage or medical payments. Even though it appears you could get a free car insurance policy, you aren’t that lucky. But all discounts will lower your policy premium.

Car insurance companies that may offer quotes with some of the above discounts possibly include:

• Progressive
• SAFECO
• American Family
• MetLife
• Geico
• The Hartford

If you need lower rates, check with every company what discounts are available to you. Some of the earlier mentioned discounts may not apply to policies in your area. If you would like to choose from a list of car insurance companies who offer discounts, follow this link.

How to buy auto insurance online

When comparison shopping, there are several ways to compare quotes from different insurance companies. The best way to compare 2003 Saab 9-3 insurance prices consists of shopping online. It’s really quite simple and can be done in a couple minutes as outlined below.

Hands down the most simple method consumers can analyze rates is to use a rate comparison form click to view form in new window. This quick form eliminates the need for separate forms for each price estimate. One simple form compares rates from multiple low-cost companies.

A less efficient way to shop for auto insurance online requires you to visit the website of each company and get a separate price quote. For example, let’s assume you need rates from Farmers, Esurance and American Family. You would be required to go to every website and repeatedly type in your coverage information, which can take a lot of time. For a handy list of car insurance company links in your area, click here.

If you have time to kill, the last way to comparison shop rate quotes is calling or driving to insurance agencies in your area. Comparing rates online eliminates the need for an insurance agent unless you want the advice and guidance only provided by licensed agents. It is possible with some companies price shop your coverage online but have your policy serviced through an agent.

Take whichever approach you prefer, but try to keep the same coverage limits on every price quote you get. If you compare mixed coverages you can’t possibly truly determine the lowest rate. Even a minor difference in coverage limits may result in large price differences. Just remember that comparing more quotes will enable you to find the best offered rates. Some companies don’t provide prices over the internet, so it’s important to also get price estimates from them, too.

Which policy gives me the best coverage?

When it comes to choosing proper insurance coverage for your personal vehicles, there isn’t really a cookie cutter policy. Everyone’s situation is unique so your insurance needs to address that. For example, these questions may help you determine whether your personal situation may require specific advice.

• Are my friends covered when driving my 2003 Saab 9-3?
• Which is better, split liability limits or combined limits?
• Do I have coverage when using my vehicle for my home business?
• Are my friends covered when driving my car?
• When should I not file a claim?
• What is the difference between comprehensive and collision coverage?
• When would I need additional glass coverage?

If you’re not sure about those questions then you might want to talk to a licensed insurance agent. To find an agent in your area, simply complete this short form or you can go here for a list of companies in your area.

Auto insurance coverage information

Having a good grasp of a insurance policy can help you determine which coverages you need at the best deductibles and correct limits. The terms used in a policy can be difficult to understand and coverage can change by endorsement. Below you’ll find typical coverages offered by insurance companies.

Collision coverage

Collision insurance covers damage to your 9-3 from colliding with another vehicle or an object, but not an animal. You have to pay a deductible and then insurance will cover the remainder.

Collision insurance covers things such as colliding with another moving vehicle, hitting a parking meter, backing into a parked car, rolling your car and crashing into a ditch. Paying for collision coverage can be pricey, so consider removing coverage from lower value vehicles. Another option is to choose a higher deductible to get cheaper collision coverage.

Medical costs insurance

Med pay and PIP coverage kick in for bills for surgery, rehabilitation expenses, prosthetic devices and hospital visits. They can be used in conjunction with a health insurance plan or if there is no health insurance coverage. Coverage applies to not only the driver but also the vehicle occupants and will also cover any family member struck as a pedestrian. Personal Injury Protection is not available in all states and may carry a deductible

UM/UIM Coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle when other motorists do not carry enough liability coverage. Covered claims include hospital bills for your injuries as well as your vehicle’s damage.

Because many people have only the minimum liability required by law, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage should not be overlooked. Normally these coverages are set the same as your liablity limits.

Comprehensive or Other Than Collision

This coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims such as rock chips in glass, falling objects, damage from getting keyed, a broken windshield and hail damage. The maximum payout you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle’s value is low consider dropping full coverage.

Auto liability

Liability insurance provides protection from damage that occurs to people or other property that is your fault. This insurance protects YOU from legal claims by others, and does not provide coverage for your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. Your policy might show policy limits of 50/100/50 that means you have $50,000 bodily injury coverage, $100,000 for the entire accident, and property damage coverage for $50,000. Another option is one limit called combined single limit (CSL) that pays claims from the same limit rather than limiting it on a per person basis.

Liability can pay for things like repair costs for stationary objects, repair bills for other people’s vehicles and pain and suffering. How much liability should you purchase? That is a decision to put some thought into, but it’s cheap coverage so purchase as large an amount as possible.

Feed the piggy bank

In this article, we covered many tips how you can save on 2003 Saab 9-3 insurance. It’s most important to understand that the more rate comparisons you have, the higher your chance of finding cheaper car insurance. You may even discover the lowest rates are with the smaller companies. These smaller insurers may cover specific market segments cheaper as compared to the big name companies such as Progressive and Geico.

As you go through the steps to switch your coverage, it’s not a good idea to sacrifice coverage to reduce premiums. There are many occasions where drivers have reduced comprehensive coverage or liability limits and found out when filing a claim that the savings was not a smart move. Your focus should be to purchase plenty of coverage for the lowest price, but do not skimp to save money.

Cheaper insurance is available both online as well as from independent agents, so you should be comparing quotes from both to have the best chance of lowering rates. Some companies do not provide the ability to get a quote online and these small, regional companies sell through independent agents.

Additional articles

• All About Airbag Safety (State Farm)
• Where can I buy Insurance? (Insurance Information Insitute)
• Teen Driving Statistics (Geico)
• Auto Insurance for Teen Drivers (Insurance Information Insitute)
• Your Car has been Stolen: Now What? (Allstate)