2007 Saab 9-3 Insurance Cost – 10 Tips to Save
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UPDATED: Jun 13, 2015
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People new to price shopping insurance online could find shopping for affordable auto insurance to be a formidable task.
The quickest method we recommend to compare car insurance company rates is to understand most of the larger companies have advanced systems to provide you with free rate quotes. The only thing you need to do is give them some information such as the year, make and model of vehicles, if you went to college, whether your vehicle is owned or leased, and if it has an alarm system. Those rating factors is submitted instantly to many highly-rated insurers and they respond with quotes very quickly.
To compare multiple company rates now, click here and enter your zip code.
When should I use an insurance agent?
When it comes to buying proper insurance coverage, there isn’t really a single plan that fits everyone. Everyone’s situation is unique.
Here are some questions about coverages that may help highlight if your insurance needs could use an agent’s help.
- Why am I required to buy high-risk coverage?
- Is extra glass coverage worth it?
- Does car insurance cover theft of personal property?
- How does medical payments coverage work?
- If my pet gets injured in an accident are they covered?
- Who is covered when they drive my 2007 Saab 9-3?
- Is my state a no-fault state?
- Am I covered if I wreck a rental car?
- Do I need special endorsements for business use of my vehicle?
- What if I don’t agree with a claim settlement offer?
If it’s difficult to answer those questions but one or more may apply to you, you might consider talking to an insurance agent. If you want to speak to an agent in your area, complete this form.
Specifics of your insurance policy
Having a good grasp of your policy can be of help when determining the best coverages and proper limits and deductibles. Insurance terms can be ambiguous and reading a policy is terribly boring.
Uninsured or underinsured coverage
This protects you and your vehicle’s occupants from other drivers when they either have no liability insurance or not enough. Covered claims include hospital bills for your injuries and also any damage incurred to your Saab 9-3.
Because many people only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage should not be overlooked.
This will cover damage that occurs to other’s property or people. Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have liability limits of 25/50/25 which means $25,000 bodily injury coverage, a total of $50,000 of bodily injury coverage per accident, and a total limit of $25,000 for damage to vehicles and property.
Liability insurance covers things like medical services, pain and suffering, structural damage, bail bonds and repair costs for stationary objects. How much liability coverage do you need? That is a personal decision, but it’s cheap coverage so purchase as much as you can afford.
Coverage for collisions
This coverage covers damage to your 9-3 resulting from a collision with an object or car. You will need to pay your deductible and then insurance will cover the remainder.
Collision can pay for claims such as rolling your car, crashing into a ditch and backing into a parked car. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are older. It’s also possible to bump up the deductible to get cheaper collision coverage.
Medical expense coverage
Medical payments and Personal Injury Protection insurance pay for expenses like prosthetic devices, hospital visits, surgery, doctor visits and chiropractic care. They are used to fill the gap from your health insurance program or if you do not have health coverage. They cover both the driver and occupants as well as any family member struck as a pedestrian. Personal Injury Protection is not an option in every state but it provides additional coverages not offered by medical payments coverage
This coverage pays for damage from a wide range of events other than collision. A deductible will apply then your comprehensive coverage will pay.
Comprehensive can pay for claims like damage from getting keyed, hitting a bird, theft, a tree branch falling on your vehicle and damage from flooding. The highest amount a insurance company will pay at claim time is the market value of your vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.
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