Having to pay for overpriced auto insurance can take a big chunk out of your checking account, especially in this economy. Doing a price comparison is a great way to reduce premiums and put more money in your pocket. Lots of insurance companies contend for your insurance dollar, and because of this it can be hard to compare insurers to get the lowest price
How to Compare Auto Insurance Quotes
Getting a lower price on Saab 9000 insurance doesn’t have to be difficult. All that’s required is to take a couple of minutes comparing price quotes online from several insurance companies. This can be done in just a few minutes using one of these methods.
- The single most time-saving way to get the best comparison quotes would be an industry-wide quote request form click here to open form in new window. This form keeps you from doing separate quotation requests for every auto insurance company. One form gets you price quotes from multiple low-cost companies.
- A harder way to obtain and compare quotes online is spending the time to visit the website of each company to request a price quote. For examples sake, we’ll assume you want rates from USAA, GEICO and Liberty Mutual. To get rate quotes you would need to take the time to go to each site and enter your policy data, which is why most consumers use the first method. To view a list of companies in your area, click here.
However you get your quotes, ensure you are comparing exactly the same quote information on every quote you get. If you have different liability limits you can’t possibly determine the lowest rate for your Saab 9000.
Discounts can save BIG
Insurance can be prohibitively expensive, buy you may qualify for discounts to cut the cost considerably. Certain discounts will be triggered automatically at the time of purchase, but lesser-known reductions have to be inquired about before you get the savings. If you don’t get every credit you deserve, you are paying more than you should be.
- Low Mileage – Fewer annual miles on your Saab can earn discounted rates on garaged vehicles.
- Life Insurance – Select insurance companies reward you with lower rates if you buy life insurance.
- Senior Discount – If you qualify as a senior citizen, you may qualify for reduced rates for 9000 insurance.
- Seat Belt Usage – Using a seat belt and requiring all passengers to buckle their seat belts could cut 10% or more off your medical payments premium.
- Employee of Federal Government – Active or retired federal employment can save as much as 8% for 9000 insurance with a few auto insurance companies.
Keep in mind that some of the credits will not apply to the entire cost. The majority will only reduce specific coverage prices like medical payments or collision. So despite the fact that it appears having all the discounts means you get insurance for free, auto insurance companies aren’t that generous. But any discount will cut the amount you have to pay.
Will just any policy work for me?
When it comes to buying coverage for your vehicles, there really is no cookie cutter policy. Your needs are not the same as everyone else’s and your policy should reflect that. These are some specific questions might point out whether your personal situation might need professional guidance.
- Do I need roadside assistance coverage?
- Does medical payments coverage apply to all occupants?
- Is a new car covered when I drive it off the dealer lot?
- How much liability coverage do I need in my state?
- Which companies will insure high-risk drivers?
- Am I covered when using my vehicle for business?
- When should my teen driver be added to my policy?
- Am I covered by my spouse’s policy after a separation?
- If my Saab 9000 is totaled, can I afford another vehicle?
If you can’t answer these questions, you might consider talking to an agent. To find lower rates from a local agent, take a second and complete this form or click here for a list of auto insurance companies in your area. It only takes a few minutes and can help protect your family.
Educate yourself about auto insurance coverages
Having a good grasp of a auto insurance policy aids in choosing the best coverages at the best deductibles and correct limits. Auto insurance terms can be ambiguous and even agents have difficulty translating policy wording. Below you’ll find typical coverage types found on the average auto insurance policy.
Med pay and Personal Injury Protection (PIP)
Medical payments and Personal Injury Protection insurance pay for bills such as X-ray expenses, funeral costs, dental work and EMT expenses. They are used to cover expenses not covered by your health insurance program or if there is no health insurance coverage. It covers both the driver and occupants and will also cover any family member struck as a pedestrian. Personal Injury Protection is only offered in select states but it provides additional coverages not offered by medical payments coverage
Comprehensive insurance
This pays for damage OTHER than collision with another vehicle or object. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive insurance covers things such as falling objects, vandalism, hitting a deer, fire damage and hitting a bird. The maximum payout 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 not worth carrying full coverage.
Coverage for liability
This coverage provides protection from damages or injuries you inflict on people or other property that is your fault. It protects you from claims by other people, and doesn’t cover damage sustained by your vehicle in an accident.
Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see values of 25/50/25 that means you have $25,000 in coverage for each person’s injuries, a limit of $50,000 in injury protection per accident, and $25,000 of coverage for damaged propery. Alternatively, you may have a combined single limit or CSL which limits claims to one amount rather than limiting it on a per person basis.
Liability coverage pays for things such as legal defense fees, bail bonds and medical expenses. The amount of liability coverage you purchase is up to you, but buy as high a limit as you can afford.
Uninsured/Underinsured Motorist (UM/UIM)
This protects you and your vehicle’s occupants when other motorists either are underinsured or have no liability coverage at all. Covered claims include injuries to you and your family as well as your vehicle’s damage.
Due to the fact that many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Frequently the UM/UIM limits are identical to your policy’s liability coverage.
Coverage for collisions
Collision coverage pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. A deductible applies and the rest of the damage will be paid by collision coverage.
Collision can pay for things such as hitting a mailbox, damaging your car on a curb, hitting a parking meter and colliding with another moving vehicle. This coverage can be expensive, so analyze the benefit of dropping coverage from older vehicles. It’s also possible to increase the deductible in order to get cheaper collision rates.
Summing up your auto insurance search
As you shop your coverage around, it’s not a good idea to buy poor coverage just to save money. In too many instances, an insured dropped liability limits or collision coverage only to find out that the savings was not a smart move. Your aim should be to buy the best coverage you can find at an affordable rate while not skimping on critical coverages.
The cheapest Saab 9000 insurance is possible both online as well as from independent agents, and you need to comparison shop both to have the best selection. There are still a few companies who don’t offer the ability to get a quote online and usually these smaller companies provide coverage only through local independent agents.
