Cheaper 2006 Saab 9-5 Car Insurance Quotes

Want the cheapest insurance rates for your Saab 9-5? Are you sick and tired of scraping the payment together each month for car insurance? You’re in the same situation as many other drivers.

There are many auto insurance companies to pick from, and even though it’s nice to have a selection, having more insurance companies makes it harder to locate the cheapest rates.

You need to compare rates every six months because insurance rates are usually higher with each renewal. Just because you had the best rates on 9-5 coverage a year ago other companies may now be cheaper. Starting now, forget anything you know (or think you know) about insurance because you’re about to learn the tricks you need to know to find better rates and still maintain coverage.

Cut your insurance rates with discounts

Insuring your fleet can be pricey, but you may find discounts that you may not know about. Larger premium reductions will be automatically applied at the time of quoting, but lesser-known reductions have to be specially asked for before they will apply.

  • Life Insurance Discount – Some companies give a discount if you purchase life insurance.
  • Defensive Driver – Taking part in a driver safety course could save 5% or more and easily recoup the cost of the course.
  • Low Mileage – Keeping the miles down on your Saab could be rewarded with discounted rates on garaged vehicles.
  • Discounts for Safe Drivers – Safe drivers may save up to 50% more on 9-5 coverage than their less cautious counterparts.
  • Bundle and Save – When you have multiple policies with one company you could get a discount of 10% to 20% off each policy.
  • Homeowners Savings – Being a homeowner may earn you a small savings because of the fact that having a home shows financial diligence.
  • Club Memberships – Being a member of a civic or occupational organization is a good way to get lower rates when shopping for insurance on 9-5 coverage.
  • Accident Waiver – A few companies will allow you to have one accident before raising your premiums if you are claim-free for a set time period.
  • Government Employees – Simply working for the federal government may qualify you for a discount on 9-5 coverage with certain companies.
  • Early Switch Discount – Select companies give a discount for switching to them before your current expiration date. It’s a savings of about 10%.

Keep in mind that most discount credits are not given to the entire policy premium. Some only apply to the price of certain insurance coverages like medical payments or collision. So even though it sounds like you would end up receiving a 100% discount, it just doesn’t work that way. But any discount will help reduce your premiums.

A partial list of companies that possibly offer some of the above discounts are:

Check with all companies you are considering which discounts they offer. Discounts might not be offered in your state.

Saab 9-5 insurance rates can be determined by these details

Consumers need to have an understanding of the factors that help determine the price you pay for car insurance. Knowing what controls the rates you pay enables informed choices that could result in lower car insurance prices.

The following are some of the items car insurance companies consider when setting premiums.

  • No coverage gaps is important – Driving without insurance is illegal and your next policy will cost more because you let your coverage have a gap. Not only will rates go up, failure to provide proof of insurance can result in a revoked license or a big fine.You may need to prove you have insurance by filing a SR-22 with your state motor vehicle department to get your license reinstated.
  • Being married can save on car insurance – Having a spouse helps lower the price when buying car insurance. Having a significant other means you’re more mature and responsible and statistics show being married results in fewer claims.
  • Men are more aggressive – Statistics demonstrate that women are safer drivers than men. However, don’t assume that men are worse drivers. Men and women are in accidents in similar numbers, but the male of the species cause more damage and cost insurance companies more money. Men also tend to get more serious tickets such as DWI and reckless driving.
  • Choose a safe vehicle and save – Vehicles with high crash test scores tend to have better insurance rates. Safer cars result in less severe injuries and better occupant protection translates into savings for insurance companies and thus lower rates. If your Saab has ratings of a minimum an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website it may be receiving lower rates.
  • Little extras can really add up – There are a lot of extra coverages that can waste your money on your 9-5 policy. Coverages for rental car reimbursement, accident forgiveness and term life insurance may be wasting your money. They may seem like a good idea when you first buy your policy, but if they’re wasting money eliminate them to save money.

You are unique and your car insurance should be too

When buying coverage for your personal vehicles, there is no best way to insure your cars. Every insured’s situation is different so this has to be addressed. For example, these questions may help you determine whether you may require specific advice.

  • Does having multiple vehicles earn me a discount?
  • What is the minimum liability in my state?
  • Should I rate my 2006 Saab 9-5 as pleasure use or commute?
  • Does my insurance cover my expensive audio equipment?
  • What can I do if my company denied a claim?
  • Do I have coverage for damage caused while driving under the influence?

If you’re not sure about those questions but a few of them apply, you may need to chat with an agent. If you want to speak to an agent in your area, fill out this quick form or click here for a list of car insurance companies in your area.

Insurance policy coverages for a Saab 9-5

Knowing the specifics of insurance can be of help when determining which coverages you need and the correct deductibles and limits. Policy terminology can be difficult to understand and coverage can change by endorsement. Shown next are typical coverages found on most insurance policies.

Collision coverage

Collision insurance covers damage to your 9-5 from colliding with an object or car. You have to pay a deductible and then insurance will cover the remainder.

Collision insurance covers things such as crashing into a ditch, crashing into a building and rolling your car. This coverage can be expensive, so you might think about dropping it from older vehicles. You can also raise the deductible to get cheaper collision coverage.

Insurance for medical payments

Med pay and PIP coverage provide coverage for short-term medical expenses for EMT expenses, chiropractic care, pain medications and funeral costs. They can be used in conjunction with a health insurance plan or if you do not have health coverage. Coverage applies to both the driver and occupants in addition to if you are hit as a while walking down the street. PIP is not available in all states and may carry a deductible

Uninsured Motorist or Underinsured Motorist insurance

Your UM/UIM coverage protects you and your vehicle’s occupants from other motorists when they do not carry enough liability coverage. This coverage pays for injuries sustained by your vehicle’s occupants as well as damage to your 2006 Saab 9-5.

Because many people only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is important protection for you and your family. Most of the time the UM/UIM limits are set the same as your liablity limits.

Liability coverages

This will cover damage that occurs to a person or their property. It protects you against claims from other people. Liability doesn’t cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have liability limits of 100/300/100 that translate to a limit of $100,000 per injured person, a total of $300,000 of bodily injury coverage per accident, and a total limit of $100,000 for damage to vehicles and property. Alternatively, you may have one number which is a combined single limit which provides one coverage limit with no separate limits for injury or property damage.

Liability can pay for things like funeral expenses, repair costs for stationary objects, legal defense fees and loss of income. The amount of liability coverage you purchase is up to you, but it’s cheap coverage so purchase as large an amount as possible.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance coverage will pay to fix damage from a wide range of events other than collision. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things such as hitting a deer, damage from flooding and a tree branch falling on your vehicle. The highest amount you can receive from a comprehensive claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Save for a rainy day

We’ve covered some good ideas how you can shop for 2006 Saab 9-5 insurance online. The most important thing to understand is the more quotes you get, the better your comparison will be. Consumers could even find that the lowest rates come from a lesser-known regional company. These companies can often insure niche markets at a lower cost than the large multi-state companies such as Allstate and Progressive.

Cheap insurance can be sourced from both online companies and also from your neighborhood agents, so compare prices from both to have the best rate selection. Some companies may not provide you the ability to get quotes online and most of the time these small insurance companies sell through independent agents.

More tips and info about insurance can be read in the articles below: