Trying to find low-cost insurance for a new or used Saab 900 can turn out to be a lot of work, but you can use these tips to save time.
There is a better way to compare auto insurance rates and you need to know the absolute fastest way to compare rates for a Saab and locate the best price possible from local insurance agents and online providers.
If you have a current auto insurance policy or are shopping for new coverage, you can use these techniques to shop for the lowest rates and possibly find even better coverage. Locating cheaper auto insurance coverage is quite easy. Drivers only need to know the best way to shop their coverage around online.
Complexity of Saab 900 insurance rates
Smart consumers have a good feel for the rating factors that help determine the price you pay for auto insurance. Understanding what influences your rates allows you to make educated decisions that will entitle you to big savings.
- More performance means more cost – The performance of the car you are insuring makes a substantial difference in determining your rates. The most favorable rates tend to be for lower performance four cylinder passenger cars, but the final cost of insurance is determined by many other factors. Since the Saab 900 is a sedan, insurance will be about the same compared to average rates.
- Your car’s features help determine rates – Purchasing a vehicle with an alarm system can save you a little every year. Theft prevention devices such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all aid in stopping car theft.
- Multi-policy discounts can save money – Most auto insurance companies provide better rates to people who consolidate policies with them such as combining an auto and homeowners policy. Discounts can be ten or even up to twenty percent in some cases. Even with this discount, it’s in your best interest to comparison shop to verify if the discount is saving money. You may still be able to find a better deal by splitting coverages up.
- Tickets mean higher rates – Your driving citation history has a huge affect on how much you pay. Just one citation can boost insurance rates forty percent or more. Careful drivers receive lower rates than people who have multiple driving citations. Drivers who have severe citations like reckless driving, hit and run or driving under the influence may need to file a proof of financial responsibility form (SR-22) with the DMV in their state in order to drive a vehicle legally.
- Occupation reflects on rates – Did you know your occupation can influence how much you pay for auto insurance? Jobs such as doctors, business owners and financial analysts tend to have higher average rates in part from stressful work requirements and long work days. Conversely, occupations such as farmers, engineers and performers receive lower rates on 900 insurance.
Discounts can save BIG
Insurance can cost an arm and a leg, but discounts can save money and there are some available that you may not know about. Some discounts apply automatically at the time you complete a quote, but lesser-known reductions have to be specifically requested before you get the savings. If you aren’t receiving every discount you qualify for, you’re paying more than you need to.
- Employee of Federal Government – Active or retired federal employment may qualify you for a discount on 900 insurance depending on your company.
- Life Insurance Discount – Companies who offer life insurance give lower rates if you buy life insurance.
- Accident Free – Good drivers with no accidents pay much less compared to drivers who are more careless.
- Student Driver Training – Require your teen driver to complete a driver education course in high school.
- Theft Prevention System – Vehicles equipped with anti-theft or alarm systems are stolen less frequently and earn discounts up to 10%.
- Lower Rates for Military – Being on active duty in the military can result in better rates.
- Discount for Good Grades – A discount for being a good student can earn a discount of 20% or more. Earning this discount can benefit you well after school through age 25.
Drivers should understand that most discounts do not apply the the whole policy. A few only apply to the cost of specific coverages such as comprehensive or collision. So when the math indicates it’s possible to get free car insurance, auto insurance companies aren’t that generous. But any discount will reduce the cost of coverage.
For a list of insurance companies who offer auto insurance discounts, click this link.
Price shop online but buy from a local agent
A small number of people just want to get advice from a local agent. Insurance agents are trained to spot inefficiencies and give you peace of mind. The biggest benefit of getting online price quotes is you can get the best rates and still choose a local agent. And supporting local agencies is important particularly in smaller communities.
After completing this quick form, the coverage information is sent to companies who will battle for your business. You won’t need to even leave your home since price quotes are sent straight to your inbox. How cool is that?!
If you want to contact a specific insurance agent in your state, click here.
Choosing an insurer needs to be determined by more than just a low price. Ask your prospective agent these questions:
- What will you get paid if your car is a total loss? How is that amount determined?
- What insurance company do they write the most business with?
- Do the companies they represent have a solid financial rating?
- Do they assist clients in filing claims?
- Do they specialize in personal lines coverage?
- If your car is in the repair shop, do you have coverage for a rental car?
- Does the agent have professional designations like CIC, CPCU or AIC?
- How are they compensated?
Once you have acceptable answers for all questions you ask in addition to an acceptable price estimate, you’ve probably found an insurance company that can properly service your auto insurance policy.
Save 15 percent in 15 minutes? Is it for real?
Consumers can’t ignore all the ads for cheaper car insurance by GEICO, State Farm and Progressive. All the ads make an identical promise about savings if you move to their company.
But how can every company claim to save you money? This is how they do it.
Insurance companies have a preferred profile for the type of driver that earns them a profit. An example of a desirable insured could be between the ages of 40 and 55, has no prior claims, and has a high credit rating. A customer getting a price quote who meets those qualifications will get the preferred rates and most likely will save when switching.
Potential insureds who do not match the “perfect” profile will be quoted higher prices which leads to the driver buying from a lower-cost company. Company advertisements say “customers that switch” not “everyone that quotes” save money. That’s why insurance companies can state the savings.
This emphasizes why drivers must get quotes from several different companies. It’s just too difficult to predict which company will give you the biggest savings.
A tidy conclusion
Insureds change insurance companies for many reasons like high prices, delays in paying claims, questionable increases in premium and not issuing a premium refund. Regardless of your reason for switching companies, finding a great new company can be easier than you think.
When you buy insurance online, you should never sacrifice coverage to reduce premiums. Too many times, someone sacrificed full coverage only to find out that a couple dollars of savings turned into a financial nightmare. The proper strategy is to get the best coverage possible at a price you can afford, not the least amount of coverage.
Low-cost Saab 900 insurance is attainable from both online companies as well as from independent agents in your state, and you need to price shop both in order to have the best chance of saving money. Some companies don’t offer online quoting and many times these small insurance companies only sell through independent insurance agents.
