Audi 80 Insurance Rates

Enter your zip code below to view companies that have cheap auto insurance rates.

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 ...

Full Bio →

Written by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

UPDATED:

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Shopping for car insurance can be time-consuming, especially when you are trying to find a policy for a model that is no longer being made. In order to alleviate the stress that comes with this part of car ownership, we are going to help you find cheap Saab insurance for the 9-3 sports car.

This comprehensive guide will walk you through how insurance rates are calculated for the Saab 9-3, the size and class of the vehicle, its safety features, and repair costs. By reading through the information outlined in this piece, you will be adequately prepared to secure a cheap car insurance policy.

Let’s get started and don’t forget to enter your five-digit ZIP code in the box above when you are ready to get some quotes.

There are many options when buying insurance for your Audi 80. You can buy direct from an agent or shop online to compare rates from multiple companies. online is easy and there is a good chance you can save money.

shopping for insurance may think buying cheap Audi 80 insurance is very challenging. Finding lower Audi 80 insurance cost is not rocket science. You just have to spend a little time getting comparison quotes from different insurance companies. by comparing rates here.

Car insurance premiums for an Audi 80 will vary greatly based upon several criteria. Some of these factors include:

  • The performance level of your 80
  • Your accident history
  • Use of your vehicle
  • Extra coverages like towing and rental
  • Your claim history
  • No coverage lapses saves money
  • Whether you own your home

An additional factor Audi 80 insurance rates is the year of the vehicle. Newer models than older models so repair costs are higher which will push premiums up. Conversely, newer models may have safety features such as adaptive cruise control, blind-spot warning system, autonomous braking, and anti-lock brakes so those may lower rates.

Liability coverage - Liability insurance protects you from damage that occurs to other people or property Liability insurance covers things like legal defense fees, bail bonds, and repair bills for other people's vehicles. Liability insurance is relatively cheap so you should buy as much as you can afford.

Collision coverage - pays for damage to your 80 caused by collision with another car or object. You have to pay a deductible and then insurance will cover the remainder. Audi 80 collision insurance is rather expensive coverage, so consider dropping it from older vehicles. You can also raise the deductible to bring the cost down.

Comprehensive coverage - Comprehensive insurance pays for damage OTHER than collision with another vehicle or object. You first have to pay a deductible and then insurance will cover the rest of the damage. The maximum amount you'll receive from a claim is the actual cash value, so if it's not worth much more than your deductible consider dropping full coverage.

Uninsured/Underinsured Motorist coverage - Your UM/UIM coverage protects you and your vehicle's occupants from other drivers when they do not carry enough liability coverage. only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage .

Medical payments coverage and PIP - Med pay and PIP coverage provide coverage for short-term medical expenses such as nursing services, prosthetic devices, and dental work. They are often used to fill the gap from your health insurance plan or if you do not have health coverage. PIP is not available in all states and gives slightly broader coverage than med pay.

If there is one point to take away from this, it’s the fact that there are multiple factors that determine your car insurance rate. Your age, gender, home address, and driving history are all directly correlated to what you will pay to keep your Saab 9-3 insured.

Free Car Insurance Comparison

Compare Quotes From Top Companies and Save

secured lock Secured with SHA-256 Encryption

How does the size and class of the Saab 9-3 affect liability rates?

Every person who gets behind the wheel is required by state law to have liability car insurance. The point of this coverage is to pay for any damages that are your fault, and each state has a minimum threshold that your policy must meet.

When determining your car insurance rate for the Saab 9-3, insurance companies will see how it measures up with similar vehicle types. Officially, the Insurance Institute for Highway Safety (IIHS) classifies the Saab 9-3 as a midsize four-door sedan.

This vehicle size and class lands right in the middle of the safety spectrum. On one end, the Saab 9-3 is bigger and safer than a lot of sports cars, which is favorable for calculating insurance rates. On the other hand, SUVs can offer more protection because they are larger and heavier.

When it comes down to it, the size and class of the Saab 9-3 will determine your insurance rates. But the fact that this vehicle type has an average weight means that your premiums will also fall somewhere in the middle.

What does liability insurance cost for a Saab 9-3?

Bodily injury liability insurance is the first type of liability coverage we are going to talk about. Having this on your policy will pay for medical expenses and lost wages for the other driver after an accident that you are responsible for causing.

The following generalized quotes will show a breakdown of how much bodily injury liability costs over a period of six months for the Saab 9-3.

  • Low ($25,000): $140.18
  • Medium ($50,000): $176.22
  • High ($100,000): $207.94

The second form of liability coverage we will explore is called property damage liability insurance. As the name indicates, this will cover any damages you inflicted on the other driver’s property, such as their vehicle.

The following three figures are generalized quotes you might expect to pay for property damage liability insurance as an itemized cost for six months of coverage.

  • Low ($25,000): $134.58
  • Medium ($50,000): $130.23
  • High ($100,000): $130.83

After reviewing these quotes, it’s clear that bodily injury coverage varies greatly from low to high coverage but property damage remains mostly the same.

If you were to strategize the best way to get the most coverage while keeping your overall monthly insurance bill as cheap as possible, it makes sense to get low bodily injury coverage and high property damage coverage.

What are the safety features and ratings of the Saab 9-3?

Part of the appeal of driving a fashionable car model like the Saab 9-3 is its classy design and high-performance capabilities. While having a powerful engine makes driving fun, it also presents more opportunities for a dangerous situation to occur.

One way Saab made sure that drivers are always protected in the 9-3 is by adding helpful technology. Take a look at the following list of safety features on this model sourced from AutoBlog.com.

  • Front-Impact Airbags – This feature serves to protect the heads of the driver and passengers during a front-end crash.
  • Stability Control This feature automatically senses when the van’s handling limits have been exceeded and reduces engine power and applies select brakes to help prevent the driver from losing control.
  • Anti-Whiplash These head restraints actively react to rear collision forces and cradle the occupants’ head in an effort to reduce the likelihood of a whiplash injury.
  • Pretensioners – This feature automatically tightens the seatbelts to place the occupant in the optimal seating position during a collision.

These three safety features contribute to a higher overall safety rating for the Saab 9-3, which in turn lowers the interest rate for the model.

No matter how many safety precautions an automaker takes when designing a vehicle, accidents are an inevitable part of driving. And some vehicle types are safer than others.

The IIHS reports that out of 9,736,590 registered midsize cars, a total of 396 deaths have resulted after car crashes. Broken down, that is a fatality rate of 41 per one million registered people. 

The average for all vehicle types is 36 per million, so models like the Saab 9-3 experience a fatality rate that is slightly higher than the median.

Beyond vehicle type, fatality statistics vary based on the point of impact from which the crash occurred. Take a look at the following figures to see how some types of crashes are more fatal than others.

  • Frontal Impact: 7,433 deaths  
  • Side Impact: 3,568 deaths 
  • Rear Impact: 834 deaths
  • Other (mostly rollovers): 1,303 deaths

While these statistics can be distressing, knowing the overall safety of the Saab 9-3 along with the risk associated with its class will help you stay grounded and informed.

What is the MSRP of the Saab 9-3?

If you’ve ever seen a car commercial, you might have heard the term MSRP. This acronym stands for the Manufacturer’s Suggested Retail Price, which helps establish a fair selling and purchasing price of a vehicle.

These prices are generally reserved for newer models and since the last Saab 9-3 was made in 2011, we will look at the Kelley Blue Book (KBB) fair market value.

KBB reports that the fair market value of a base-level 2011 Saab 9-3 is between $4,855 and $7,702, with a fair purchase price of $6,279.

There are two forms of car insurance you can include in your policy that will protect your Saab 9-3. These policies are otherwise known as collision and comprehensive coverage.

  • Collision car insurance is a type of coverage that will pay for any costs associated with repairing or even replacing your vehicle if it gets damaged after colliding with another car or object.
  • Comprehensive car insurance protects you from any damage sustained that is outside of your control, such as a bicycle running into your vehicle while it is parked on the street.

Insurance companies will look at collision and comprehensive loss percentages on your model when pricing out your policy. As a driver, you always hope that the model you drive doesn’t see a lot of claims because that helps to keep rates low.

How much will it cost to repair my Saab 9-3?

If you want your Saab 9-3 to remain in good health, you will have to keep up with regularly scheduled maintenance appointments. 

Beyond your standard oil changes and tire rotations, you will also have to pay for repair costs in the event that a certain part of the vehicle breaks down.

Every model costs a different amount to repair and in the case of the Saab 9-3, drivers pay an annual cost of repairs that totals $559 on average.

For a more detailed understanding of what your repair bill will look like, take a look at what each part of the Saab 9-3 costs to repair. These figures come courtesy of Instant Estimator.

  • Front Bumper: $412.60
  • Rear Bumper: $422.60
  • Hood: $389.40
  • Roof: $439
  • Front Door: $389.20
  • Back Door: $377.80
  • Fender: $352.20
  • Quarter Panel: $364.60

Now that you’ve read through this entire article, you know all of the information you need to find the right insurance policy. Is there anything else you would have liked to see included or expanded upon? If not, enter your five-digit ZIP code in the box below and start comparing rates.

Free Auto Insurance Comparison

Enter your zip code below to view companies that have cheap auto insurance rates.

secured lock Secured with SHA-256 Encryption