2001 Saab 9-3 Car Insurance Quotes – 5 Savings Tips

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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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Searching for lower car insurance rates for your Saab 9-3? Have you fallen victim to overpriced car insurance? Believe me when I say you’re not alone.

Many insurance companies compete for your insurance dollar, so it’s not easy to compare every insurance company to discover the definitive lowest rate possible.

Get lower rates on 2001 Saab 9-3 insurance

Car insurance can cost a lot, but discounts can save money and there are some available to help offset the cost. Certain discounts will be applied at the time of purchase, but some may not be applied and must be manually applied prior to getting the savings.

  • Life Insurance – Larger companies have better rates if you take out a life insurance policy as well.
  • No Charge for an Accident – Certain companies permit an accident without raising rates as long as you don’t have any claims for a set time period.
  • Drivers Education – Make teen driver coverage more affordable by requiring them to take driver’s ed class if offered at their school.
  • Theft Prevention Discount – Vehicles equipped with anti-theft or alarm systems can help prevent theft and qualify for as much as a 10% discount.
  • Organization Discounts – Affiliation with a qualifying organization could qualify you for a break on your policy on 9-3 insurance.

A little note about advertised discounts, most discounts do not apply to the overall cost of the policy. Some only apply to specific coverage prices like comprehensive or collision. Even though it may seem like adding up those discounts means a free policy, insurance companies aren’t that generous. Any qualifying discounts will help reduce the cost of coverage.

To see a list of insurers with discount insurance rates, click this link.

Tailor your coverage to you

When it comes to buying the best insurance coverage, there isn’t really a perfect coverage plan. Coverage needs to be tailored to your specific needs and your policy should reflect that. For instance, these questions can help discover if your situation might need an agent’s assistance.

  • Do I have coverage if my license is suspended?
  • Can I make deliveries for my home business?
  • Is extra glass coverage worth it?
  • What are the best liability limits?
  • Can I pay claims out-of-pocket if I buy high deductibles?
  • Is pleasure use cheaper than using my 2001 Saab 9-3 to commute?
  • Where can I find high-risk insurance?
  • Should I buy full coverage?

If it’s difficult to answer those questions but a few of them apply then you might want to talk to an insurance agent. If you don’t have a local agent, complete this form or go to this page to view a list of companies.

Insurance policy specifics

Learning about specific coverages of a insurance policy can be of help when determining appropriate coverage and the correct deductibles and limits. The terms used in a policy can be impossible to understand and even agents have difficulty translating policy wording. Below you’ll find the usual coverages found on most insurance policies.

Liability

Liability insurance protects you from damage that occurs to people or other property in an accident. This coverage protects you from legal claims by others. It does not cover damage sustained by your vehicle in an accident.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show limits of 25/50/25 which means $25,000 bodily injury coverage, $50,000 for the entire accident, and property damage coverage for $25,000. Occasionally you may see one limit called combined single limit (CSL) which provides one coverage limit without having the split limit caps.

Liability coverage pays for things like emergency aid, funeral expenses and legal defense fees. How much liability should you purchase? That is up to you, but you should buy as much as you can afford.

Collision protection

Collision insurance covers damage to your 9-3 from colliding with an object or car. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for claims such as crashing into a building, sideswiping another vehicle, damaging your car on a curb, hitting a parking meter and colliding with a tree. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are 8 years or older. It’s also possible to bump up the deductible to bring the cost down.

Comprehensive (Other than Collision)

Comprehensive insurance coverage pays for damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims such as theft, falling objects and rock chips in glass. The highest amount you can receive from a comprehensive claim is the actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Protection from uninsured/underinsured drivers

This coverage gives you protection when the “other guys” either are underinsured or have no liability coverage at all. This coverage pays for hospital bills for your injuries as well as your vehicle’s damage.

Since many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is a good idea. Normally these coverages are identical to your policy’s liability coverage.

Medical expense insurance

Personal Injury Protection (PIP) and medical payments coverage provide coverage for short-term medical expenses like EMT expenses, ambulance fees, surgery and prosthetic devices. They can be used in conjunction with a health insurance plan or if you do not have health coverage. They cover both the driver and 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

Coverage on a shoestring budget

Discount 2001 Saab 9-3 insurance is available both online as well as from independent agentsinsurance , and you should be comparing both to have the best selection. There are still a few companies who don’t offer online price quotes and these regional insurance providers work with independent agents.

When you buy insurance online, never reduce needed coverages to save money. In many cases, someone sacrificed physical damage coverage only to find out they didn’t have enough coverage. Your goal should be to buy a smart amount of coverage at a price you can afford.

For more information, take a look at the following helpful articles:

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