How to Save on Insurance for your Saab 9-4X
If searching for lower car insurance rates was a good time, we'd have no problem finding the best rate. But more than likely, it's challenging for most people and we always end up paying more than we want. Finding insurance for your Saab 9-4X that you can actually afford is probably no different.
Step One: Compare Rates from Multiple Companies
If you haven't priced insurance for awhile, you may still think that the only way to compare rates is to drive around town to multiple insurance offices and meet with an agent. Times have changed!
All the major car insurance companies sell insurance for a Saab 9-4X and you can compare their rates by entering your information only one time.
To find affordable coverage for your Saab 9-4X, the first step is to click the link below and complete the short form.
Important! If you already have liability and physical damage coverage on your 9-4X, it's important to keep the same limits and deductibles throughout the quote process. This allows you to fairly compare rates for many companies. If you use different limits and coverages for each quote, you won't be able to judge if the final rate is better or worse than other quotes.
Step Two: How to Cut Costs on 9-4X Insurance
What you actually pay to insure your Saab is determined by many factors, some of which you have no control over.
- The performance boost offered by your Saab 9-4X is going to force you to spend more for insurance. Consider trading for a lower performance vehicle in order to bring down your rates.
- Many insurance companies will give you a small discount if you've recently completed a driver's training course.
- OEM repair parts for the 9-4X cost more due to the higher quality. You will pay more for insurance because of this.
- Members of many professional organizations can receive discounts on car insurance, and if you're a senior citizen, that could earn you an additional discount.
- The easiest way to INCREASE your car insurance rates is to add a teenage driver to your policy. There aren't many ways to prevent a rate increase, but if you can rate them on an older vehicle, it can help.
- 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.
- One of the best ways to lower your insurance rates is to raise your credit score. Check your rating once a year and make sure to address any problem areas immediately.
- Being a homeowner can often get you a little discount on your auto insurance. Insuring you home with the same company as your autos can often get you even deeper discounts.
- 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.
- Air bags, antilock brakes, traction control, and stability control all help lower the cost of insurance due to reducing the risk of injury in an accident.
- Most of us have received a ticket at one time or another. If you get a ticket for a minor violation, find out if there is a safe driving class you can take to keep the ticket off your driving record.
- Never allow one policy to expire without having a new policy effective the same date. This causes a lapse in coverage and if you don't have insurance for any length of time, your next policy will cost you more.
- Vehicles that tend to get stolen or have high repair costs will cost you more to insure. If your 9-4X falls into either category, it could cost you.
Step Three: Bind Coverage and Cancel your Old Policy
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.
If you didn't have a prior policy, then you can make the new policy effective any time. But if you're moving bewteen companies and don't want a lapse in coverage, make sure the effective date of the new policy is exactly the same as the cancellation date of the old policy.
If this is a new policy with only the Saab on it, be sure to have coverage before leaving the dealership or car lot. If you're adding it to an existing policy, you have anywhere from 15 to 30 days depending on the company. Most car insurance companies will extend coverage to newly purchased vehicles, but only up to the limits of the best insured vehicle. So if you only carry liability insurance and no physical damage coverage, your new purchase will be inadequately insured until you specifically add it to the policy with full coverage.
After completing your policy purchase, you can print out the proof-of-insurance card to place in your car. Always keep the current card available in case requested by law enforcement or if you are in an accident. If you qualilfy as a high-risk driver after being convicted of a DUI, reckless driving or driving on a suspended license, you may be required to file an SR-22 with your state's DMV. Be sure your new car insurance company is aware of this filing requirement.
Additional Learning Resources
For more information on car insurance, please visit the Insurance Information Institute's auto insurance informational page.
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