Locating better insurance prices for a Saab 9-3X can normally be an all-consuming task, but you can follow our car insurance buying tips to make it easier.
There is a right way and a wrong way to compare car insurance rates so you’re going to learn the quickest way to get price quotes for your Saab and get the best price possible.
It’s important to compare rates occasionally because prices change regularly. Even if you got the lowest price on 9-3X insurance a couple years back you may be paying too much now. Block out anything you think you know about car insurance because you’re about to learn the best methods to find the best coverage while lowering your premiums.
Automobile Insurance Quotes
Effectively comparing car insurance prices can be a daunting task if you don’t understand the most efficient way to do it. You can waste a lot of time talking to insurance agencies in your area, or you could save time and use the internet to get pricing more quickly.
Most of the best insurance companies participate in a marketplace that enables customers to submit one quote, and at least one company can give them a price based on that data. This eliminates the need for quote requests to each individual car insurance company. To find out how much you can save on car insurance click here to open in new window.
The single downside to doing it this way is you don’t know exactly which carriers you will receive quotes from. So if you prefer to pick specific insurance companies to request quotes from, we have a listing of car insurance companies in your area. Click here for list of insurance companies.
Which method you use is up to you, but ensure you’re using exactly the same information for every quote you compare. If you use differing limits it’s not possible to determine which rate is truly the best.
Lots of discounts mean lots of savings
Properly insuring your vehicles can get expensive, buy you may qualify for discounts to help offset the cost. Most are applied when you purchase, but less common discounts must be specially asked for before being credited. If you’re not getting every credit you deserve, you are throwing money away.
- Safe Drivers – Insureds without accidents can get discounts for up to 45% lower rates on 9-3X insurance than drivers with accidents.
- Anti-lock Brake Discount – Vehicles with anti-lock braking systems can avoid accidents and therefore earn up to a 10% discount.
- Driver Safety – Successfully completing a driver safety course can save you 5% or more and easily recoup the cost of the course.
- Government Employees – Being employed by or retired from a federal job could cut as much as 10% off on 9-3X insurance depending on your company.
- Multiple Policy Discount – When you have multiple policies with one company you could get a discount of up to 20% off your total premium.
- Seat Belts Save more than Lives – Buckling up and requiring all passengers to wear their seat belts can save up to 15% on the medical payments or PIP coverage costs.
- Good Students Pay Less – Getting good grades can get you a discount of up to 25%. The discount lasts until age 25.
- Theft Prevention System – Vehicles with anti-theft systems prevent vehicle theft and qualify for as much as a 10% discount.
- E-sign – A few companies will give a small break for buying a policy and signing up over the internet.
- Multiple Cars – Buying coverage for all your vehicles with the same company may reduce the rate for each vehicle.
Drivers should understand that most discount credits are not given to all coverage premiums. The majority will only reduce specific coverage prices like physical damage coverage or medical payments. Just because it seems like it’s possible to get free car insurance, you’re out of luck. But any discount will help reduce your overall premium however.
To see a list of providers who offer car insurance discounts, click here to view.
Complexity of Saab 9-3X insurance rates
It’s important that you understand some of the elements that come into play when calculating the rates you pay for car insurance. Having a good understanding of what controls the rates you pay empowers consumers to make smart changes that could result in lower car insurance prices.
- Clean credit earns discounts – Having a bad credit rating is a large factor in your rate calculation. Consumers who have good credit tend to be less risk to insure than drivers with lower credit scores. So if your credit can use some improvement, you could potentially save money when insuring your Saab 9-3X by improving your credit score.
- Where you live is a factor – Choosing to live in a rural area can save you money when it comes to car insurance. City drivers regularly have traffic congestion and much longer commute distances. Less people living in that area means reduced accidents as well as less vandalism and auto theft.
- Your spouse saves you money – Having a spouse can actually save you money on car insurance. Having a spouse means you’re more mature than a single person it has been statistically shown that being married results in fewer claims.
- Safe vehicles cost less to insure – Cars with high safety ratings can get you lower premiums. Safer cars reduce injuries and any reduction in injury severity translates into savings for insurance companies and lower rates for you. If your Saab 9-3X has ratings of a minimum four stars on Safercar.gov it is probably cheaper to insure.
- Bundling policies can get discounts – Most companies provide better rates to policyholders who carry more than one policy in the form of a multi-policy discount. Even with this discount, it’s in your best interest to compare rates to ensure the best deal. You may still be able to find better rates by splitting coverages up.
- The more you drive the more you pay – The more miles you rack up on your Saab in a year the more you’ll pay to insure your vehicle. The majority of insurers charge to insure your cars based on their usage. Autos used primarily for pleasure use receive lower rates than those used for commuting. Double check that your car insurance policy is rated on how each vehicle is driven, because improper ratings can cost you money. Incorrect usage on your 9-3X may be wasting your money.
- Don’t buy coverages you don’t need – There are a lot of extra coverages that can waste your money if you aren’t careful. Insurance for roadside assistance, accident forgiveness and motor club memberships are examples of these. These coverages may sound good at first, but if you don’t need them eliminate the coverages to reduce your premium.
- Traffic violations increase rates – A bad driving record has a lot to do with how much you pay for insurance. Even one citation may increase your cost by as much as thirty percent. Drivers with clean records have lower premiums than their less careful counterparts. If you have dangerous violations like hit and run, DWI or reckless driving convictions may find they need to file a proof of financial responsibility form (SR-22) with the DMV in their state in order to prevent a license revocation.
Aren’t my neighborhood agents an option?
Some people would rather sit down with an agent. Insurance agents can point out coverage gaps and give you someone to call. One of the great benefits of price shopping on the web is that you can obtain the lowest rates and still have an agent to talk to. Buying from local businesses is important especially if you live in a smaller city or town.
For easy comparison, once you complete this short form, your insurance coverage information is sent to agents in your area who will compete to get your business. There is no reason to leave your house as quotes are delivered to your email. It doesn’t get any easier!
How to choose the best insurance agent
When searching for a local agent, you must know there are a couple different types of agents that you can select. agents are either captive or independent (non-captive). Either one can do a good job, but it’s good to learn the difference between them since it may influence your agent selection.
Independent Insurance Agents
Independent agents are not required to write business for one company but rather can write business with lots of companies and potentially find a lower price. To move your coverage to a new company, your agent can switch companies and that require little work on your part. When searching for an agent, it’s recommended you include multiple independent agents to have the most options to choose from. Many write coverage with different regional companies who may have lower rates.
Captive Agents
Captive insurance agents work for only one company such as AAA, Allstate, State Farm, Farmers Insurance or Liberty Mutual. These agents are unable to provide prices from multiple companies so keep that in mind. These agents are very knowledgeable on the products they sell and that can be a competitive advantage. Some people will only buy from captive agents partially due to the brand legacy and strong financial ratings.
To view a full list of insurance agents, click here.
Selecting an insurance agency should depend on more than just the price. Here are some questions to ask:
- Are glass claims handled on-site or do you have to take your vehicle to a repair shop?
- Did they already check your driving record and credit reports?
- Does the company allow you to choose your own collision repair facility?
- Does the agency provide any after hours assistance?
- Are you getting all the discounts the company offers?
- Will your rates increase after a single accident?
Upon receiving reasonable responses to any questions you have and a low price estimate, you have narrowed it down to an auto insurance agent that meets your needs to adequately provide car insurance.
You are unique and your car insurance should be too
When buying adequate coverage, there really is no perfect coverage plan. Each situation is unique.
For instance, these questions can aid in determining whether you might need an agent’s assistance.
- When should my teen driver be added to my policy?
- Can I get a multi-policy discount for packaging my home and auto coverage?
- What is high-risk coverage and where do I buy it?
- Do no-fault laws apply in my state?
- Is my cargo covered for damage or theft?
- How can I get high-risk coverage after a DUI?
If you can’t answer these questions but you think they might apply to your situation then you might want to talk to an agent. If you don’t have a local agent, complete this form. It’s fast, doesn’t cost anything and may give you better protection.
Online plus local equals savings
People switch companies for a variety of reasons including being labeled a high risk driver, extreme rates for teen drivers, an unsatisfactory settlement offer or even high rates after DUI convictions. No matter why you want to switch, finding a new car insurance company is easier than you think.
Discount Saab 9-3X insurance is attainable online in addition to many insurance agents, so you should be comparing quotes from both in order to have the best price selection to choose from. A few companies do not provide you the ability to get quotes online and most of the time these regional insurance providers sell through independent agents.
As you prepare to switch companies, make sure you don’t reduce needed coverages to save money. There are too many instances where an accident victim reduced comprehensive coverage or liability limits only to regret at claim time that it was a big mistake. The ultimate goal is to get the best coverage possible at an affordable rate while still protecting your assets.
