How Much Does 1995 Saab 900 Insurance Cost?

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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Written by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

UPDATED: May 12, 2022

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Have you had enough of robbing Peter to pay Paul to buy car insurance? You are in the same boat as most other car owners. Since consumers have many insurance providers from which to choose, it is hard for the average consumer to pick the lowest price company.

You need to price shop coverage yearly because insurance rates change quite often. Despite the fact that you may have had the best price on 900 coverage six months ago a different company probably has better rates today. Ignore everything you know about auto insurance because you’re about to learn the quickest way to get good coverage at a lower rate.

This information will teach you how to effectively get price quotes and some money-saving tips. If you are paying for car insurance now, you stand a good chance to be able to lower your premiums substantially using this strategy. Vehicle owners just need to understand the proper way to get comparison quotes online.

Parts of the Saab 900 rate equation

Smart consumers have a good feel for the different types of things that go into determining the rates you pay for insurance coverage. Having a good understanding of what impacts premium levels empowers consumers to make smart changes that could result in better insurance coverage rates.

Listed below are a partial list of the pieces used by your company to calculate premiums.

  • Do you need the policy add-ons? – There are a ton of extra coverages you can purchase if you aren’t careful. Coverages like roadside assistance, better glass coverage and term life insurance are some examples. These may sound like a good investment at first, but if they’re wasting money get rid of them and save.
  • Car features impact rates – Purchasing a vehicle with a theft deterrent system can help lower your rates. Anti-theft devices like LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system all aid in stopping car theft.
  • Mature drivers pay less – Youthful drivers have a tendency to be more careless behind the wheel so they pay higher insurance coverage rates. If you’ve ever had to add a young driver to your policy can be quite pricey. Older drivers are viewed as being more responsible, file fewer claims and tend to be better behind the wheel.
  • Rate your vehicle for proper use – Driving more miles each year the higher your rate. Most insurance companies rate vehicles determined by how the vehicle is used. Vehicles used primarily for pleasure use get more affordable rates than those used for commuting. Double check that your insurance coverage coverage is showing the proper vehicle usage. If your policy improperly rates your 900 can result in significantly higher rates.
  • A lapse in coverage is a bad thing – Allowing your insurance coverage policy to lapse will be a sure-fire way to trigger a rate increase. And not only will your rates increase, but being ticketed for driving with no insurance may earn you a revoked license or a big fine.You may then be required to submit proof of financial responsibility or a SR-22 with your state DMV.
  • Your location is important – Being located in a rural area is a positive aspect when buying insurance coverage. Urban drivers have to deal with more traffic problems and a longer drive to work. Less people living in that area means fewer accidents and a lower car theft rate.
  • Clean credit earns discounts – Credit score is a big factor in calculating your insurance coverage rates. Consumers who have excellent credit tend to be less risk to insure than drivers who have poor credit. If your credit score is low, you could save money insuring your 1995 Saab 900 by repairing your credit.
  • Men fork out a little more – The statistics show women are more cautious behind the wheel. That doesn’t necessarily mean that women are BETTER drivers than men. Women and men cause accidents at about the same rate, but the men cause more damage. Men also statistically have more aggressive citations like DUI and reckless driving. Youthful male drivers are the most expensive to insure and therefore have the most expensive insurance coverage rates.

Auto Insurance Prices Online

Finding lower auto insurance rates is a fairly straight forward process. The only requirement is to spend a little time getting comparison quotes provided by online insurance companies. This is very easy and can be done in just a few minutes using one of these methods.

  1. One of the simplest ways to find the lowest comparison rates is to use a rate comparison form like this one (opens in new window). This type of form saves time by eliminating separate quotes for every auto insurance company. Just one form will get you price quotes from multiple low-cost companies.
  2. A more time consuming way to analyze rates consists of visiting each individual company website to complete their respective quote request forms. For sake of this example, let’s assume you want rates from State Farm, GEICO and Travelers. You would have to visit each site and enter your information, and that’s why the first method is more popular. To view a list of companies in your area, click here.
  3. The least efficient method of getting rate comparisons is driving to different agent offices. Buying insurance online makes this process obsolete unless you have a need for the trained guidance of a licensed agent. Drivers can compare the best prices online but buy from a local insurance agent and you’ll learn how to do that later.

It’s up to you which method you use, but ensure you are comparing the exact same coverages and limits on every quote you get. If you have higher or lower deductibles it’s impossible to determine the lowest rate for your Saab 900.

Misconceptions in insurance coverage advertisements

Drivers get pounded daily by advertisements for the lowest price auto insurance by companies like State Farm, Allstate and GEICO. They all seem to make an identical promise that you’ll save big if you switch to them.

How can each company say the same thing?

Insurance companies have a preferred profile for the right customer they prefer to insure. A good example of a profitable customer could be over the age of 50, insures multiple vehicles, and has a high credit rating. Any new insured that hits that “sweet spot” is entitled to the best price and is almost guaranteed to cut their rates substantially.

Potential insureds who fall outside the requirements must pay a higher premium and ends up with the customer not buying. The ads say “drivers who switch” not “everyone that quotes” save that much money. That’s why companies can truthfully advertise the savings.

This illustrates why drivers should compare many company’s rates. It’s impossible to know which insurance coverage company will provide you with the cheapest Saab 900 insurance rates.

Pay less for 1995 Saab 900 insurance

Car insurance can cost a lot, buy you may qualify for discounts that you may not know about. A few discounts will automatically apply at quote time, but lesser-known reductions have to be manually applied before they will apply. If you’re not getting every credit possible, you are throwing money away.

  • Drive Less and Save – Low mileage vehicles could qualify for a substantially lower rate.
  • Resident Student – Kids in college who are attending college without a vehicle on campus can receive lower rates.
  • Safety Course Discount – Successfully completing a driver safety course could save 5% or more depending on where you live.
  • Lower Rates for Military – Being on active duty in the military could be rewarded with lower premiums.
  • Discounts for Safe Drivers – Drivers who avoid accidents may receive a discount up to 45% less on 900 coverage than their less cautious counterparts.

Consumers should know that most of the big mark downs will not be given to the entire cost. Some only apply to the price of certain insurance coverages like liability and collision coverage. Just because you may think you can get free auto insurance, it doesn’t quite work that way. But all discounts will bring down the amount you have to pay.

To see a list of companies with the best insurance discounts, click here.

Tailor your coverage to you

When buying adequate coverage for your personal vehicles, there really is not a one size fits all plan. Everyone’s situation is a little different so your insurance needs to address that. For example, these questions might point out whether you may require specific advice.

  • Am I insured when driving a different vehicle?
  • Am I covered if I break a side mirror?
  • Do I need more liability coverage?
  • Does insurance cover damages from a DUI accident?
  • Why am I required to buy high-risk coverage?
  • How does medical payments coverage work?
  • What is PIP insurance?
  • When can my company non-renew my policy?
  • Is my teenager covered with friends in the car?

If it’s difficult to answer those questions, then you may want to think about talking to a licensed insurance agent. If you want to speak to an agent in your area, fill out this quick form or you can go here for a list of companies in your area. It’s fast, free and can help protect your family.

Coverages available on your auto insurance policy

Having a good grasp of a auto insurance policy can be of help when determining appropriate coverage for your vehicles. The coverage terms in a policy can be ambiguous and nobody wants to actually read their policy. Shown next are typical coverage types offered by auto insurance companies.

Coverage for liability – Liability insurance provides protection from damages or injuries you inflict on other people or property that is your fault. It protects you from legal claims by others, and doesn’t cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see limits of 25/50/25 that translate to $25,000 in coverage for each person’s injuries, a limit of $50,000 in injury protection per accident, and property damage coverage for $25,000. Alternatively, you may have a combined single limit or CSL which limits claims to one amount without having the split limit caps.

Liability coverage pays for things such as repair bills for other people’s vehicles, medical expenses, repair costs for stationary objects, emergency aid and court costs. The amount of liability coverage you purchase is a personal decision, but buy as high a limit as you can afford.

Uninsured and underinsured coverage – This gives you protection from other drivers when they are uninsured or don’t have enough coverage. Covered claims include injuries sustained by your vehicle’s occupants and damage to your 1995 Saab 900.

Since many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is a good idea. Frequently these coverages are similar to your liability insurance amounts.

Coverage for medical payments – Personal Injury Protection (PIP) and medical payments coverage provide coverage for short-term medical expenses for dental work, doctor visits, EMT expenses and pain medications. They can be used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. Coverage applies to not only the driver but also the vehicle occupants and also covers being hit by a car walking across the street. PIP is not available in all states and may carry a deductible

Comprehensive coverages – Comprehensive insurance coverage pays for damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive insurance covers things like damage from a tornado or hurricane, vandalism and damage from flooding. The maximum payout you can receive from a comprehensive claim is the cash value of the vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Collision – Collision insurance will pay to fix damage to your 900 from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage pays for claims such as colliding with another moving vehicle, crashing into a building and driving through your garage door. Collision coverage makes up a good portion of your premium, so consider dropping it from lower value vehicles. Another option is to bump up the deductible to bring the cost down.

Knowledge is power

You just learned quite a bit of information on how to lower your 1995 Saab 900 insurance rates. The key thing to remember is the more price quotes you have, the better likelihood of reducing your rate. You may even discover the best prices are with a small mutual company. These smaller insurers can often insure niche markets at a lower cost compared to the large companies like Allstate, GEICO and Progressive.

Lower-priced insurance is available from both online companies and with local insurance agents, and you should compare price quotes from both to have the best rate selection. Some insurance coverage companies do not offer you the ability to get quotes online and many times these small, regional companies only sell through independent insurance agents.

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