2004 Saab 9-5 Insurance Rates – 5 Tricks for Best Quotes

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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: Aug 23, 2022

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Trying to find low-cost insurance for a new or used Saab 9-5 can be a lot of work, but you can follow these tips and make it easy.

There is a right way and a wrong way to find insurance online and you need to know the quickest way to compare rates for a Saab and locate the lowest possible price.

Discounts are basically free money

Insuring your fleet can be pricey, but discounts can save money and there are some available that can drop the cost substantially. Some trigger automatically at the time of quoting, but some may not be applied and must be specially asked for before being credited. If you don’t get every credit you qualify for, you’re paying more than you need to.

  • Low Mileage Discounts – Keeping the miles down on your Saab can earn discounted rates on garaged vehicles.
  • Bundle and Save – If you insure your home and vehicles with one company you will save 10% to 20% off each policy.
  • One Accident Forgiven – A few companies permit an accident before raising your premiums as long as you don’t have any claims prior to the accident.
  • College Student – Any of your kids who attend school more than 100 miles from home and don’t have a car may qualify for this discount.
  • Homeowners Pay Less – Owning a home can save you money because of the fact that having a home requires personal responsibility.

Consumers should know that some credits don’t apply to the overall cost of the policy. Most only reduce the cost of specific coverages such as collision or personal injury protection. Just because you may think it’s possible to get free car insurance, you’re out of luck. But any discount will bring down the cost of coverage.

A partial list of companies that possibly offer some of the above discounts include:

Before buying, ask each insurance company how you can save money. Savings might not be offered in your state.

Comprehensive Car Insurance Comparison

Finding cheaper 2004 Saab 9-5 car insurance prices can be relatively painless. You just need to spend a few minutes on the computer to compare quotes online with multiple companies. This is very easy and can be done in several different ways.

  1. Probably the best way consumers can make multiple comparisons is a comparison rater form click here to open form in new window. This easy form saves time by eliminating repetitive form submissions to each individual car insurance company. Completing one form will return quotes from multiple companies. Just one form and you’re done.
  2. A different way to shop for car insurance online is spending the time to visit the website for every company you want to comare and complete a new quote form. For instance, let’s say you want to compare rates from Allstate, 21st Century and American Family. You would have to visit each site and enter your policy data, which is why the first method is more popular. For a handy list of car insurance company links in your area, click here.

Whichever method you choose, compare exactly the same information with each company. If the quotes have different liability limits you will not be able to determine the lowest rate for your Saab 9-5.

Which insurance is the “right” coverage?

When it comes to buying the right insurance coverage for your vehicles, there is no one size fits all plan. Every situation is different.

These are some specific questions may help highlight whether you could use an agent’s help.

  • I have a DUI can I still get coverage?
  • How many claims can I have before being canceled?
  • Will my insurance pay for OEM parts?
  • How much liability do I need to cover my assets?
  • Is my teen driver covered when they drive my company car?
  • What is no-fault insurance?
  • Is my Saab 9-5 covered if I use it for business?
  • Are rock chip repairs covered?
  • I have good health insurance, so how much medical payments coverage do I need?

If you’re not sure about those questions, then you may want to think about talking to a licensed agent. To find an agent in your area, fill out this quick form. It is quick, free and can help protect your family.

Free Auto Insurance Comparison

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Specific coverage details

Learning about specific coverages of your car insurance policy can help you determine which coverages you need and proper limits and deductibles. Car insurance terms can be confusing and even agents have difficulty translating policy wording.

Auto collision coverage

This will pay to fix damage to your 9-5 caused by collision with another vehicle or an object, but not an animal. A deductible applies then the remaining damage will be paid by your insurance company.

Collision insurance covers things like colliding with a tree, damaging your car on a curb and sideswiping another vehicle. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are older. You can also increase the deductible to get cheaper collision coverage.

Auto liability

This provides protection from injuries or damage you cause to a person or their property 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 liability limits of 50/100/50 which means a limit of $50,000 per injured person, a limit of $100,000 in injury protection per accident, and a total limit of $50,000 for damage to vehicles and property. Alternatively, you may have a combined single limit or CSL which combines the three limits into one amount with no separate limits for injury or property damage.

Liability coverage pays for claims such as medical services, repair costs for stationary objects and legal defense fees. The amount of liability coverage you purchase is up to you, but you should buy as large an amount as possible.

Comprehensive or Other Than Collision

This coverage pays to fix your vehicle from damage that is not covered by collision coverage. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims like hail damage, damage from flooding, damage from getting keyed, hitting a bird and a broken windshield. The highest amount you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Medical costs insurance

Coverage for medical payments and/or PIP provide coverage for expenses such as EMT expenses, dental work, doctor visits and funeral costs. The coverages can be utilized in addition to your health insurance policy or if you lack health insurance entirely. It covers all vehicle occupants and will also cover getting struck while a pedestrian. PIP is not an option in every state but can be used in place of medical payments coverage

UM/UIM Coverage

This protects you and your vehicle when other motorists either are underinsured or have no liability coverage at all. It can pay for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Due to the fact that many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is important protection for you and your family. Frequently your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

In Summary

You just learned some good ideas how you can reduce 2004 Saab 9-5 insurance prices online. The key thing to remember is the more times you quote, the better your chances of lowering your rates. Consumers may even find the biggest savings come from a small mutual company.

When shopping online for insurance coverage, you should never skimp on coverage in order to save money. There are too many instances where someone dropped uninsured motorist or liability limits only to regret at claim time that the savings was not a smart move. The ultimate goal is to purchase plenty of coverage for the lowest price.

Cheap insurance can be purchased both online and with local insurance agents, so you should compare both to have the best selection. Some insurance coverage companies do not offer the ability to get a quote online and many times these small, regional companies only sell through independent insurance agents.

Additional insurance coverage information is located below:

Use our FREE quote tool to compare rates now!

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