How to Insure a Saab 9-3 like a Tightwad
If shopping for auto insurance was more enjoyable, it would get done more often. But more than likely, it's challenging for most people and we always end up paying more than we want. You probably feel the same way about finding lower cost coverage for your Saab 9-3.
Step One: Compare Rates
The old way of buying car insurance was to make multiple trips to various local agents and get strong armed into a policy that didn't necessarily fit you. Now that we have the internet, shopping for car insurance online is a snap!
The best car insurance companies offer online quoting for a Saab 9-3 and it's very easy to compare different rates by only using one form.
To find affordable coverage for your Saab 9-3, the first step is to click the link below and complete the short form.
Important Tip! In order to accurately compare rates for your 9-3, it's critical that you use the same limits and deductibles for liability and physical damage coverages like comprehensive and collision. If you use different limits, you will not be able to accurately compare rates between carriers.
Step Two: How to Cut Costs on 9-3 Insurance
Now that you have several rates to compare (since you did compare rates above, right?), we will now show you some additional ways you can lower your 9-3 insurance rates.
- When insuring your Saab 9-3, expect to pay a little more due to the higher performance of the vehicle. On your next purchase consider a lower performance vehicle to save on insurance.
- You can check your credit score for free once a year, and it's a good idea to address any problems you find. Better credit results in better insurance rates.
- 9-3 replacement parts are more expensive due to the quality of the parts, so you can expect your physical damage rates to be higher to reflect the higher cost of repair.
- Minor driving violations such as speeding tickets can cause your rates to go up. Too many violations in a short period of time will cause your policy to be non-renewed.
- Most insurance companies will give you a discount on your car insurance if you also own a home. Some go even farther and give you discounts if you package your homeowners and auto insurance with them.
- If your insurance company allows driver-specific car rating, you can save money by rating any teenage drivers on low profile vehicles with either no physical damage coverage or very high deductibles.
- It's very important that you allows keep coverage effective on your vehicles. Having even a one-day lapse in coverage can make your premiums jump higher.
- Claims that aren't much more than your deductible are better off just being paid out of pocket. If you get into a habit of filing smaller claims, you will pay for it in higher rates.
- The time it takes to complete a driver's safety training course could be time well spent. It could save you up to 10% off your car insurance rates.
- The less chance of injury to passengers in an accident means lower insurance rates. Vehicles with safety features like side-impact airbags, head injury protection, antilock bracks and traction control generally will be cheaper to insure.
- If you belong to a professional organization, check to see if that can earn you a discount. If you're over the age of 55, check to see if they have a senior citizen discount as well.
- For some reason, car theives target particular makes and models more than others. If your 9-3 is on the list of the top stolen cars, you might want to install an extra theft deterrent system just to be safe.
- You can save money on your physical damage coverage (comprehensive and collision) by increasing your deductibles. Higher deductibles mean you are willing to pay more before the insurance company covers a claim.
Step Three: Select the Best Company for Your Needs
You've compared rates and hopefully looked over the coverages for each vehicle on your policy to make sure they're adequate. Now you can make the big decision on which company will best fulfill your needs.
It's easiest to cancel an old policy at the renewal date, but you can cancel it anytime. Just make sure you have the new policy effective the date you cancel your old policy in order to avoid any lapse in coverage.
Coverage will extend from your current policy if you're buying a Saab 9-3, but if you don't have a policy, you will need to make sure you have coverage in place before you drive it off the dealership lot. Your existing car insurance policy will give you some coverage if you buy a new or used 9-3, but unless you are already paying for full coverage, you won't have it until you add the vehicle to your policy.
Once your new policy has been purchased, you are required to keep the proof-of-insurance card in your vehicle at all times. This is required by state law and you can receive a citation if you cannot provide it. Depending on your state's statutes, you may be required to file an SR-22 form if you've been convicted of an uninsured accident, DUI or license suspension. Make sure your new company is aware of this requirement and files it promptly.
More Educational Resources
The Insurance Information Institute has a great resource of car insurance articles where you can learn more about coverages and money saving tips. Visit iii.org.
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