1996 Saab 9000 Insurance Rates – 7 Savings Tips

Searching for lower auto insurance rates for your Saab 9000? Are you a victim of overpriced auto insurance? Trust us, there are lots of people in the same boat.

Drivers have multiple insurance companies to purchase coverage from, and though it is a good thing to have a choice, having more car insurance companies makes it harder to adequately compare rates.

Insurance Coverage Quote Comparison

All major insurance coverage companies such as Progressive, GEICO, Allstate and State Farm allow you to get pricing on the web. Obtaining pricing doesn’t take a lot of time as you just type in your required coverages as detailed in the form. Upon sending the form, the company’s rating system will obtain information on your driving record and credit history and returns pricing information determined by many factors. Quoting online streamlines rate comparisons, but the work required to visit different websites and type in the same information is repetitive and time-consuming. Unfortunately, it is important to do this in order to get a better rate.

The easy way to compare rates

A less time-consuming method to locate the lowest prices uses one form that analyzes rates from many companies. The form is fast, requires less work, and makes rate comparisons a little more enjoyable. After sending your information, it is rated with multiple companies and you can pick any or none of the returned quotes. If you find a better price it’s easy to complete the application and purchase the new policy. The entire process takes less than 15 minutes and may save quite a bit of money.

To find out how much you can save on insurance coverage, click here to open in new window and enter your vehicle and coverage information. If you have a policy now, it’s recommended you type in the coverages just like they are on your policy. This way, you will be getting a rate comparison for similar coverage.

Buyer beware of auto insurance advertising tricks

Progressive, GEICO, Allstate and State Farm regularly use ads in print and on television. All the companies have a common claim that you’ll save big if you move to their company. But how can every company say the same thing?

All companies are able to cherry pick for the right customer they prefer to insure. For instance, a desirable insured could possibly be between 25 and 40, insures multiple vehicles, and chooses high deductibles. Any new insured who fits that profile receives the best rates and as a result will probably cut their rates substantially.

Potential customers who are not a match for the “perfect” profile will have to pay a higher premium which usually ends up with the customer not buying. The ads say “customers that switch” not “people who quote” save that much money. This is how insurance companies can make the claims of big savings. Because of the profiling, you absolutely need to get a wide range of price quotes. It’s just too difficult to predict which auto insurance company will give you the biggest savings on Saab 9000 insurance.

Do you qualify for a discount?

Companies offering auto insurance don’t always list all available discounts in a way that’s easy to find, so here is a list some of the best known and also the lesser-known discounts you could be receiving.

  • Good Students Pay Less – Performing well in school can save 20 to 25%. The discount lasts until age 25.
  • Passive Restraints – Vehicles with factory air bags or motorized seat belts can get savings of up to 25% or more.
  • Paperwork-free – Certain companies will give a small break for buying a policy and signing up online.
  • Student Driver Training – Cut your cost by having your teen driver take driver’s ed class in school.
  • Clubs and Organizations – Belonging to a qualifying organization could qualify you for a break on your policy for 9000 insurance.
  • Own a Home – Owning a home can help you save on insurance coverage because owning a home is proof that your finances are in order.
  • Accident Free – Drivers who don’t have accidents can earn big discounts as compared to drivers who are more careless.

As a disclaimer on discounts, many deductions do not apply to the overall cost of the policy. A few only apply to the cost of specific coverages such as comprehensive or collision. Just because it seems like you can get free auto insurance, you’re out of luck.

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

Check with each company how you can save money. Discounts may not apply in your state.

What coverages do I need?

When choosing the right insurance coverage for your personal vehicles, there really is not a “best” method to buy coverage. Each situation is unique so this has to be addressed. For example, these questions might point out if your situation could use an agent’s help.

  • What is PIP insurance?
  • Does medical payments coverage apply to all occupants?
  • How do I insure my teen driver?
  • Do I have coverage when using my vehicle for my home business?
  • Should I buy additional glass protection?
  • Are rock chip repairs covered?
  • Am I covered if my car is in a flood?
  • Does my policy pay for OEM or aftermarket parts?

If you don’t know the answers to these questions then you might want to talk to an insurance agent. If you don’t have a local agent, take a second and complete this form or go to this page to view a list of companies.

Detailed coverages of your insurance policy

Understanding the coverages of your insurance policy aids in choosing the right coverages and the correct deductibles and limits. Insurance terms can be difficult to understand and coverage can change by endorsement. These are the normal coverages found on most insurance policies.

Comprehensive or Other Than Collision

This coverage will pay to fix damage from a wide range of events other than collision. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims like theft, hail damage, a broken windshield and damage from getting keyed. The most your insurance company will pay is the market value of your vehicle, so if the vehicle’s value is low consider dropping full coverage.

Auto liability

Liability insurance protects you from damage that occurs to people or other property in an accident. It consists of three limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have limits of 25/50/25 which stand for $25,000 in coverage for each person’s injuries, $50,000 for the entire accident, and property damage coverage for $25,000.

Liability coverage pays for things like medical services, structural damage, pain and suffering, attorney fees and court costs. The amount of liability coverage you purchase is a decision to put some thought into, but it’s cheap coverage so purchase as high a limit as you can afford.

UM/UIM Coverage

Your UM/UIM coverage provides protection when other motorists do not carry enough liability coverage. It can pay for injuries to you and your family as well as damage to your 1996 Saab 9000.

Since a lot of drivers carry very low liability coverage limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Medical costs insurance

Med pay and PIP coverage kick in for immediate expenses for surgery, funeral costs, chiropractic care, prosthetic devices and rehabilitation expenses. The coverages can be used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. Coverage applies to you and your occupants in addition to if you are hit as a while walking down the street. PIP coverage is not universally available but can be used in place of medical payments coverage

Collision protection

Collision coverage pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage pays for things such as sideswiping another vehicle, scraping a guard rail and crashing into a building. This coverage can be expensive, so consider dropping it from lower value vehicles. Another option is to bump up the deductible to bring the cost down.

Be a penny pincher

Cheap 1996 Saab 9000 insurance is possible on the web in addition to many insurance agents, so compare prices from both to have the best rate selection. There are still a few companies who do not provide the ability to get a quote online and usually these small, regional companies provide coverage only through local independent agents.

You just learned a lot of ways to reduce insurance prices online. The key concept to understand is the more rate comparisons you have, the better likelihood of reducing your rate. You may be surprised to find that the lowest premiums are with a lesser-known regional company. Regional companies may cover specific market segments cheaper than their larger competitors like Allstate and Progressive.

Even more information can be read by following these links: