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2005 Saab 9-7X Insurance Rates

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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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UPDATED: Jun 12, 2015

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Comparing insurance rates online might seem complicated at first if you’re new to online price comparisons. But don’t let that discourage you because finding affordable coverage online is easier than you think.

It’s a good idea to get comparison quotes quite often because insurance rates are variable and change quite frequently. Despite the fact that you may have had the best deal for 9-7X coverage two years ago there is a good chance you can find better rates now. So just block out anything you think you know about insurance because I’m going to teach you the tricks you need to know to reduce your cost while increasing coverage.

Comparison of Insurance

The are a couple different ways to compare quotes from different insurance companies. The quickest method to find the cheapest 2005 Saab 9-7X insurance rates is to perform an online rate comparison. It is quite easy and can be accomplished in a couple of different ways.

  • The fastest way to find the lowest comparison rates is to use a rate comparison form click to view form in new window. This method eliminates the need for separate quotation requests for every insurance company. One form submission gets you coverage quotes instantly. Just one form and you’re done.
  • Another way to obtain and compare quotes online is to manually visit the website of each company and fill out their own quote form. For example, we’ll assume you want rates from Auto-Owners, GEICO and Allstate. To get each rate you have to go to every website to enter your coverage information, which is why the first method is quicker.

    To view a list of companies in your area, click here.

  • The most time-consuming method of comparing rate quotes is to spend time driving to and from local insurance agencies. Shopping for insurance online eliminates the need for an insurance agent unless you require the professional guidance only provided by licensed agents. It is possible to price shop your coverage online and still use a local agent. We’ll cover that shortly.

It’s your choice how you get your quotes, but make absolute certain that you use the exact same coverages on every quote. If you use mixed coverages then you won’t be able to determine the best price for your Saab 9-7X. Quoting even small variations in insurance coverages can mean a large discrepancy in price. Just remember that obtaining a wide range of quotes will enable you to find lower pricing.

These discounts can slash car insurance rates

Auto insurance companies don’t always list every available discount in a way that’s easy to find, so we researched both well-publicized and the harder-to-find car insurance savings.

  • Driver’s Ed – Make teen driver coverage more affordable by requiring them to take driver’s ed class in school.
  • Safe Driver Discount – Safe drivers can pay as much as 50% less for 9-7X coverage than drivers with accidents.
  • Theft Prevention Discount – Vehicles equipped with anti-theft or alarm systems can help prevent theft and qualify for as much as a 10% discount.
  • No Accidents – Good drivers with no accidents pay less compared to bad drivers.
  • Senior Discount – Older drivers may qualify for better car insurance rates for 9-7X coverage.
  • Passive Restraints and Air Bags – Vehicles with factory air bags can get savings up to 30%.
  • Payment Discounts – If paying your policy premium upfront rather than paying monthly you may reduce your total bill.
  • Anti-lock Brake Discount – Anti-lock brake equipped vehicles can reduce accidents and will save you 10% or more.
  • One Accident Forgiven – Certain companies allow you one accident without raising rates as long as you don’t have any claims for a set time period.

Consumers should know that some of the credits will not apply to the overall cost of the policy. Some only apply to the cost of specific coverages such as comp or med pay. So even though it sounds like it’s possible to get free car insurance, companies wouldn’t make money that way.

For a list of companies with the best car insurance discounts, click here to view.

When might I need the advice of an agent?

When it comes to buying coverage, there really is not a “perfect” insurance plan. Each situation is unique.

Here are some questions about coverages that can aid in determining whether or not you would benefit from an agent’s advice.

  • Am I covered by my spouse’s policy after a separation?
  • Does my policy cover my teen driver if they drive my company car?
  • Is borrowed equipment or tools covered if stolen or damaged?
  • Is my custom paint covered by insurance?
  • Does my policy pay for OEM or aftermarket parts?
  • Do I have coverage when using my vehicle for my home business?
  • Can I afford to buy a different vehicle if my 2005 Saab 9-7X is totaled?
  • How much underlying liability do I need for an umbrella policy?
  • Is a new car covered when I drive it off the dealer lot?
  • Am I covered if I wreck a rental car?

If you’re not sure about those questions but one or more may apply to you, you may need to chat with a licensed agent. If you don’t have a local agent, simply complete this short form.

These factors can influence what you pay for Saab 9-7X insurance

Smart consumers have a good feel for the different types of things that help determine the price you pay for insurance coverage. Understanding what controls the rates you pay allows you to make educated decisions that will entitle you to big savings.

The following are a few of the “ingredients” companies use to determine prices.

  • Liability coverage protects you – Liability coverage will protect you in the event that you are found to be at fault for damages caused by your negligence. It provides you with a defense in court which can cost thousands of dollars. Liability is cheap when compared with rates for comp and collision, so buy as much as you can afford.
  • Higher deductibles cost less – Deductibles for physical damage define the amount you are willing to pay out-of-pocket before your insurance coverage pays a claim. Physical damage insurance, commonly called comprehensive (or other-than-collision) and collision coverage, is used to repair damage to your car. Examples of covered claims are running into the backend of another car, damage from fire, and rolling your vehicle. The more you’re willing to pay, the bigger discount you will receive for 9-7X coverage.
  • Do you qualify for a multi-policy discount? – Some insurers give discounts to policyholders who carry more than one policy, otherwise known as a multi-policy discount. Even if you’re getting this discount it’s in your best interest to compare rates to confirm you are receiving the best rates possible. Drivers may still find better rates by insuring with multiple companies.
  • Don’t cancel a policy without a new one in place – Driving with no insurance is against the law and insurance coverage companies will penalize you for letting your coverage have a gap. Not only will you pay more, but not being able to provide proof of insurance might get you a steep fine or even jail time.
  • High numbers of claims are not good – Insurance companies award lower rates to drivers who do not rely on their insurance for small claims. If you frequently file small claims, you can pretty much guarantee higher rates. Your insurance policy is intended to be relied upon for larger claims.
  • Better crash test results mean better rates – Vehicles with high crash test scores are cheaper to insure. Safer cars have better occupant injury protection and better occupant protection translates into savings for insurance companies and more competitive rates for policyholders. If your Saab has ratings of a minimum an “acceptable” rating on the Insurance Institute for Highway Safety website it is probably cheaper to insure.
  • Rates may be lower depending on your job – Jobs such as doctors, executives and accountants tend to pay higher rates than average in part from high stress and long work hours. On the flip side, occupations such as pilots, athletes and retirees have the lowest average rates for 9-7X coverage.

Specifics of your insurance policy

Understanding the coverages of your policy can help you determine the right coverages at the best deductibles and correct limits. Policy terminology can be confusing and reading a policy is terribly boring.

UM/UIM Coverage – This coverage protects you and your vehicle’s occupants from other drivers when they either are underinsured or have no liability coverage at all. It can pay for medical payments for you and your occupants as well as your vehicle’s damage.

Due to the fact that many drivers only carry the minimum required liability limits, their limits can quickly be used up. So UM/UIM coverage is important protection for you and your family.

Collision – Collision coverage pays for damage to your 9-7X caused by collision with another car or object. You will need to pay your deductible then your collision coverage will kick in.

Collision can pay for things like backing into a parked car, colliding with another moving vehicle, sideswiping another vehicle, colliding with a tree and rolling your car. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are 8 years or older. It’s also possible to bump up the deductible to get cheaper collision coverage.

Comprehensive or Other Than Collision – This coverage covers damage from a wide range of events other than collision. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things such as a broken windshield, fire damage and damage from flooding. The maximum amount you’ll receive from a claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Liability coverages – Liability insurance protects you from damages or injuries you inflict on other people or property in an accident. It protects YOU against claims from other people. Liability doesn’t 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 50/100/50 that means you have a limit of $50,000 per injured person, $100,000 for the entire accident, and property damage coverage for $50,000.

Liability coverage pays for things such as pain and suffering, repair costs for stationary objects, structural damage, attorney fees and funeral expenses. How much liability coverage do you need? That is up to you, but you should buy as large an amount as possible.

Medical costs insurance – Coverage for medical payments and/or PIP reimburse you for bills for things like ambulance fees, nursing services, surgery and pain medications. They are used to fill the gap from your health insurance program or if you are not covered by health insurance. Medical payments and PIP cover all vehicle occupants in addition to getting struck while a pedestrian. Personal injury protection coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Compare but don’t skimp

Throughout this article, we presented quite a bit of information on how to get a better price on 2005 Saab 9-7X insurance. The key concept to understand is the more companies you get rates for, the more likely it is that you will get a better rate. You may even find the lowest premiums are with a small mutual company.

As you go through the steps to switch your coverage, it’s not a good idea to sacrifice coverage to reduce premiums. Too many times, an insured dropped comprehensive coverage or liability limits only to regret that it was a big error on their part. Your goal should be to buy the best coverage you can find at a price you can afford.

Affordable insurance is definitely available from both online companies as well as from independent agents, and you need to price shop both to have the best selection. Some insurance providers don’t offer online quoting and most of the time these smaller companies sell through independent agents.

For more information, link through to the following helpful articles:

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