Cheap 2002 Saab 9-3 Insurance Rates

Are you sick and tired of scraping the payment together each month for car insurance? You are in the same boat as most other car owners.

Many insurers vie for your business, so it’s not easy to compare every insurer and uncover the absolute best rates possible.

If you are paying for car insurance now, you will be able to lower your premiums substantially using these methods. Choosing the best insurance company for you is easy if you know what you’re doing. But car owners do need to know the way insurance companies determine prices.

The best way to compare rate quotes takes advantage of the fact most of the bigger providers provide online access to compare rate quotes. The only thing you need to do is provide a small amount of information like marital status, your credit rating estimate, how your vehicles are used, and whether or not you need a SR-22. Your insurance information is instantly sent to insurance carriers in your area and they return rate quotes instantly.

To find lower rates now, click here and find out if lower rates are available.

When might I need help?

When buying adequate coverage for your personal vehicles, there isn’t really a perfect coverage plan. Your needs are not the same as everyone else’s and your policy should reflect that. For example, these questions may help highlight if your insurance needs will benefit from professional help.

• Does my policy cover my teen driver if they drive my company car?
• Is upholstery damage covered by car insurance?
• Am I covered if I crash into my own garage door?
• Are there companies who specialize in insuring high-risk drivers?
• What if I total my 2002 Saab 9-3 and owe more than it’s worth?
• Am I getting all the discounts available?
• How can I get my company to pay me more for my totalled car?
• Can I afford to buy a different vehicle if my 2002 Saab 9-3 is totaled?
• Do I need motorclub coverage?

If it’s difficult to answer those questions but one or more may apply to you, then you may want to think about talking to a licensed insurance agent. If you don’t have a local agent, complete this form or you can go here for a list of companies in your area.

Insurance specifics

Having a good grasp of your policy can help you determine which coverages you need and the correct deductibles and limits. The terms used in a policy can be difficult to understand and reading a policy is terribly boring. Listed below are typical coverage types found on the average insurance policy.

Medical payments coverage and PIP – Med pay and PIP coverage provide coverage for expenses such as surgery, nursing services, funeral costs, rehabilitation expenses and hospital visits. They can be used in conjunction with a health insurance program or if you lack health insurance entirely. It covers not only the driver but also the vehicle occupants and also covers if you are hit as a while walking down the street. PIP is not an option in every state and may carry a deductible

Liability insurance – Liability coverage will cover injuries or damage you cause to a person or their property in an accident. This coverage protects you against other people’s claims, and doesn’t cover your own vehicle damage or injuries.

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 50/100/50 that means you have $50,000 in coverage for each person’s injuries, a total of $100,000 of bodily injury coverage per accident, and a limit of $50,000 paid for damaged property. Occasionally you may see one number which is a combined single limit which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability can pay for claims such as funeral expenses, medical expenses, loss of income, attorney fees and medical services. How much liability should you purchase? That is a personal decision, but consider buying as high a limit as you can afford.

Uninsured/Underinsured Motorist coverage – Your UM/UIM coverage provides protection when the “other guys” do not carry enough liability coverage. This coverage pays for medical payments for you and your occupants as well as damage to your Saab 9-3.

Since a lot of drivers carry very low liability coverage limits, their limits can quickly be used up. So UM/UIM coverage is very important. Most of the time these limits are set the same as your liablity limits.

Collision coverage – This coverage covers damage to your 9-3 resulting from colliding with an object or car. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims like driving through your garage door, rolling your car, sideswiping another vehicle, backing into a parked car and colliding with another moving vehicle. Paying for collision coverage can be pricey, so consider dropping it from lower value vehicles. Drivers also have the option to choose a higher deductible to bring the cost down.

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

Comprehensive coverage protects against claims like theft, damage from flooding and vandalism. The maximum amount a insurance company will pay at claim time is the actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.