How to Save on Saab 9-3 Insurance in Philadelphia

No normal person looks forward to buying insurance, in particular when the prices are way too high.

We don’t have to tell you that insurance companies don’t want their customers to go rate shopping. Consumers who shop around at least once a year will probably move their business because there are good odds of finding lower rate quotes. Surprisingly, a recent survey revealed that consumers who shopped around annually saved about $70 a month compared to people who never compared other company’s rates.

If finding the best price on Saab 9-3 insurance is your ultimate objective, knowing how to get free comparison quotes and analyze auto insurance can save money and time. You have multiple insurers to purchase coverage from, and though it is a good thing to have a choice, lots of choices makes it harder to find the lowest cost provider for Saab 9-3 insurance in Philadelphia.

It is always a good idea to shop coverage around at least once a year because insurance rates fluctuate regularly. Even if you think you had the best rate on Saab 9-3 insurance in Philadelphia a year ago you will most likely find a better price today. There is a lot of wrong information about 9-3 insurance on the web, but in this article, you’re going to get some guaranteed methods to find cheap insurance in Philadelphia.

Companies offering Saab 9-3 insurance in Pennsylvania

The companies shown below are our best choices to provide comparison quotes in Philadelphia, PA. If more than one company is shown, we suggest you visit two to three different companies to find the lowest car insurance rates.

Premium rates and analysis

The premium information displayed next showcases detailed analysis of insurance rates for Saab 9-3 models. Knowing how auto insurance prices are established is important to be able to make smart choices when selecting a policy.

Prices based on married female driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Pennsylvania minimum liability limits. Discounts applied include homeowner, claim-free, multi-vehicle, multi-policy, and safe-driver. Information does not factor in garaging location in Philadelphia which can revise insurance rates considerably.

Higher deductibles save money

One of the most common car insurance questions is how high should your deductibles be. The following insurance rates may aid in understanding the difference in cost of buying low and high deductibles. The first set of rates uses a $250 physical damage deductible and the second data table uses a $1,000 deductible.

Premium data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Pennsylvania minimum liability limits. Discounts applied include safe-driver, multi-vehicle, multi-policy, homeowner, and claim-free. Price estimates do not factor in specific location which can increase or decrease coverage rates significantly.

Based on the above data, using a $250 deductible will cost you approximately $29 more each month or $348 for a full year across all Saab 9-3 models than buying the higher $1,000 deductible. Because you would be required to pay $750 more out of your own pocket with a $1,000 deductible as compared to a $250 deductible, if you average at a minimum 26 months between claims, you would come out ahead if you choose the higher deductible.

One important issue to know is that increasing deductibles to save money means you will have to pay more out-of-pocket when you have to file a claim. It will be required that you have some money saved in the event you need to pay the higher deductible.

The diagram below shows how choosing a deductible and can affect Saab 9-3 insurance prices for different age groups. The rate quotes are based on a married female driver, full physical damage coverage, and no discounts are applied to the premium.

Bad driving habits will cost you more

The diagram below highlights how traffic violations and accident claims raise Saab 9-3 insurance costs for different age groups of insureds. The data is based on a married female driver, comp and collision included, $250 deductibles, and no discounts are factored in.

Discounts can help save money on Saab 9-3 insurance in Philadelphia

Insurance is expensive, but there could be available discounts that can dramatically reduce your bill. Many discounts should be triggered when you purchase, but some must be manually applied before being credited.

• Seat Belts Save – Using a seat belt and requiring all passengers to buckle up before driving could cut 10% or more on the premium charged for medical payments and/or PIP.
• Active Service Discounts – Having a family member in the military could mean lower premium rates.
• Student Discounts – Being a good student could provide a savings of up to 20% or more. This discount can apply up to age 25.
• Clubs and Organizations – Being a member of qualifying employment or professional organizations could earn you a nice discount on your next insurance statement.
• Theft Deterrent Discount – Cars, trucks, and SUVs that have factory anti-theft systems are stolen less frequently and that can save you a little bit as well.
• Government Employee Discount – Simply working for the federal government may qualify for a discount when you quote Philadelphia auto insurance with certain companies.
• Policy Bundle Discount – If you combine your home and auto policies and insure them with the same company you will save as much as 10 to 15 percent.
• Claim Free – Philadelphia drivers who stay claim-free can earn big discounts as opposed to policyholders that have many claims.
• Cautious Driver Discount – Drivers without accidents can get discounts for up to 45% lower rates as compared to drivers with claims.

It’s important to understand that most discount credits are not given to the overall cost of the policy. Most only reduce specific coverage prices like liability and collision coverage. So even though you would think adding up those discounts means a free policy, you aren’t that lucky. Any amount of discount will bring down your overall bill.

The chart below illustrates the comparison of Saab 9-3 insurance costs with and without discounts being applied to the rates. The costs are based on a male driver, no violations or accidents, Pennsylvania state minimum liability limits, full coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, multi-car, homeowner, marriage, safe-driver, and claim-free discounts applied.

A partial list of companies that may offer policyholders these money-saving discounts include:

• GEICO
• USAA
• Progressive
• American Family
• Esurance
• Farmers Insurance
• State Farm

Double check with every insurance company to give you their best rates. Some of the discounts discussed earlier might not apply in your area. To locate insurance companies that offer the discounts shown above in Pennsylvania, click here to view.

Buying from insurance agents

Many people would rather sit down with an agent and that is recommended in a lot of cases Most agents can help determine the best coverages and help you file claims. One of the benefits of comparing insurance online is you may find cheap rate quotes and still have a local agent. And supporting neighborhood insurance agencies is important particularly in Philadelphia.

By using this short form, the coverage information is instantly submitted to agents in your area who will give you quotes for your business. You won’t even need to even leave your home because prices are sent to you instantly. If you wish to quote rates from one company in particular, feel free to navigate to their website and fill out their quote form.

Deciding on a company is decision based upon more than just a low price. Here are some questions to ask:

• Is assistance available after office hours?
• Does the quote include credit and driving reports?
• Do they review policy coverages at every renewal?
• Do you need full coverage on every vehicle?
• Are they primarily personal or commercial lines agents in Philadelphia?

Auto insurance coverage options for a Saab 9-3

Having a good grasp of auto insurance can be of help when determining the right coverages and the correct deductibles and limits. Policy terminology can be difficult to understand and reading a policy is terribly boring. Shown next are typical coverages offered by auto insurance companies.

UM/UIM (Uninsured/Underinsured Motorist) coverage – Your UM/UIM coverage protects you and your vehicle when the “other guys” do not carry enough liability coverage. This coverage pays for medical payments for you and your occupants as well as your vehicle’s damage.

Due to the fact that many Pennsylvania drivers carry very low liability coverage limits (15/30/5 in Pennsylvania), it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is important protection for you and your family. Normally these limits are set the same as your liability limits.

Comprehensive auto coverage – Comprehensive insurance coverage covers damage that is not covered by collision coverage. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims like vandalism, theft and fire damage. The most you’ll receive from a claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Medical payments and PIP coverage – Personal Injury Protection (PIP) and medical payments coverage pay for immediate expenses such as funeral costs, dental work and prosthetic devices. They can be used to cover expenses not covered by your health insurance plan or if you lack health insurance entirely. Medical payments and PIP cover both the driver and occupants and will also cover getting struck while a pedestrian. Personal Injury Protection is not universally available and gives slightly broader coverage than med pay

Collision coverage – This covers damage to your 9-3 resulting from a collision with an object or car. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for things such as crashing into a ditch, colliding with another moving vehicle, sustaining damage from a pot hole, rolling your car and hitting a parking meter. Collision is rather expensive coverage, so consider removing coverage from older vehicles. It’s also possible to choose a higher deductible on your 9-3 to get cheaper collision coverage.

Liability car insurance – Liability insurance will cover injuries or damage you cause to other’s property or people that is your fault. Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have liability limits of 15/30/5 that translate to a $15,000 limit per person for injuries, $30,000 for the entire accident, and property damage coverage for $5,000. Some companies may use a combined single limit or CSL that pays claims from the same limit with no separate limits for injury or property damage.

Liability insurance covers things like funeral expenses, medical expenses and pain and suffering. How much liability coverage do you need? That is a personal decision, but buy as high a limit as you can afford. Pennsylvania state minimum liability requirements are 15/30/5 but you should consider buying more coverage.

The next chart shows why minimum state limits may not provide adequate coverage.

Get the best coverage at the best price

We just presented quite a bit of information on how to lower your Saab 9-3 insurance premium rates in Philadelphia. The key concept to understand is the more rate quotes you have, the better your comparison will be. Consumers could even find that the best premium rates are with a small local company. These companies can often insure niche markets at a lower cost as compared to the big name companies such as State Farm and Allstate.

A few companies don’t offer the ability to get a quote online and these regional carriers only sell through independent agencies. Budget-conscious Saab 9-3 insurance can be bought online as well as from insurance agents, so you should be comparing quotes from both in order to have the best chance of saving money.

When you buy Philadelphia auto insurance online, it’s very important that you do not reduce coverage to reduce premium. Too many times, consumers will sacrifice full coverage to discover at claim time they didn’t purchase enough coverage. Your objective should be to purchase a proper amount of coverage for the lowest cost but still have enough coverage for asset protection.

Even more information can be read in the articles below:

• Determining Auto Insurance Rates (GEICO)
• Who Has Cheap Philadelphia Car Insurance with Multiple Speeding Tickets? (FAQ)
• Who Has Affordable Philadelphia Auto Insurance for First-time Drivers? (FAQ)
• No-Fault Auto Insurance Statistics (Insurance Information Institute)
• Automakers compete to add autobraking (Insurance Institute for Highway Safety)
• Protecting Teens from Drunk Driving (Insurance Information Institute)
• How Much Auto Coverage do I Need? (Insurance Information Institute)