If you want to save money, the best way to save on Saab 9-3 insurance is to do an annual price comparison from different companies who provide auto insurance in Mesa. Price quotes can be compared by following these guidelines.
- First, get an understanding of the coverage provided by your policy and the changes you can make to prevent rate increases. Many things that result in higher rates like your driving record and an imperfect credit history can be controlled by making minor driving habit or lifestyle changes. Later in this article we will cover more details to get cheaper coverage and get discounts that may be overlooked.
- Second, compare prices from independent agents, exclusive agents, and direct companies. Exclusive and direct companies can provide rates from a single company like GEICO or State Farm, while agents who are independent can quote rates from multiple sources.
- Third, compare the new rate quotes to your existing policy and see if there is a cheaper rate. If you find a lower rate and buy the policy, make sure the effective date of the new policy is the same as the expiration date of the old one.
- Fourth, give notification to your current company of your decision to cancel your current car insurance policy and submit the completed application along with a down payment for your new policy. Make sure you put the new certificate verifying proof of insurance with your registration paperwork.
One thing to point out is to make sure you enter identical coverages on each quote request and and to get rates from all possible companies. This guarantees an apples-to-apples comparison and a better comparison of the market.
It goes without saying that car insurance companies want to keep your business as long as possible. Consumers who get comparison quotes at least once a year are likely to switch companies because there are good odds of finding coverage at a cheaper rate. A recent survey revealed that drivers who routinely shopped for cheaper coverage saved approximately $860 a year compared to drivers who never compared other company’s rates.
If saving money on Saab 9-3 insurance in Mesa is your ultimate goal, understanding how to find and compare insurance rates can save time and make the process easier.
Just keep in mind that having more price comparisons helps increase your odds of locating more affordable rates.
The car insurance companies shown below can provide free rate quotes in Arizona. To buy the best cheap auto insurance in Mesa, we suggest you compare several of them to get the best price comparison.
Insurance coverage analysis
The rate table shown next showcases detailed analysis of coverage prices for Saab 9-3 models. Understanding more about how auto insurance premiums are determined is important to be able to make smart choices when purchasing an auto insurance policy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| 9-3 2.0T 4-Dr Sedan | $138 | $298 | $288 | $18 | $86 | $828 | $69 |
| 9-3 2.0T Station Wagon | $138 | $298 | $288 | $18 | $86 | $828 | $69 |
| 9-3 2.0T XWD 4-Dr Sedan | $138 | $298 | $288 | $18 | $86 | $828 | $69 |
| 9-3 Aero 4-Dr Sedan | $154 | $344 | $288 | $18 | $86 | $890 | $74 |
| 9-3 2.0T 2-Dr Convertible | $154 | $344 | $338 | $20 | $102 | $958 | $80 |
| 9-3 2.0T XWD Station Wagon | $154 | $344 | $288 | $18 | $86 | $890 | $74 |
| 9-3 Aero Station Wagon | $154 | $344 | $288 | $18 | $86 | $890 | $74 |
| 9-3 Aero XWD 4-Dr Sedan | $154 | $344 | $288 | $18 | $86 | $890 | $74 |
| 9-3 Aero 2-Dr Convertible | $170 | $388 | $338 | $20 | $102 | $1,018 | $85 |
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Prices based on single male driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Arizona minimum liability limits. Discounts applied include safe-driver, homeowner, claim-free, multi-policy, and multi-vehicle. Estimates do not factor in specific zip code location which can influence premium rates noticeably.
Saab 9-3 insurance costs by gender and age in Mesa
The illustration below shows the difference between Saab 9-3 car insurance costs for male and female drivers. The prices are based on no driving violations, no at-fault accidents, full coverage, $100 deductibles, single status, and no policy discounts are applied.
Liability only or full coverage
The chart below illustrates the comparison of Saab 9-3 premium costs with full coverage compared to only the Arizona minimum liability coverage. The premiums assume no driving violations, no at-fault accidents, $500 deductibles, single status, and no discounts are factored in.
When to drop comprehensive and collision coverage
There isn’t a steadfast formula to drop comprehensive and collision coverage on your policy, but there is a general guideline. If the annual cost of comprehensive and collision coverage is more than 10% of the replacement cost of your vehicle minus the policy deductible, then it might be time to consider dropping full coverage.
For example, let’s pretend your Saab 9-3 replacement cost is $9,000 and you have $1,000 full coverage deductibles. If your vehicle is destroyed, the most you would get paid by your company is $8,000 after the deductible is paid. If you are currently paying more than $800 annually to have full coverage, then it may be the right time to buy liability only.
There are some circumstances where eliminating full coverage is not financially feasible. If you still owe a portion of the original loan, you are required to maintain full coverage to protect the lienholder’s interest. Also, if you can’t afford to buy a different vehicle in the even your car is totaled, you should not consider dropping full coverage.
Three reasons car insurance is important
Even though it can be expensive, buying car insurance is required in Arizona but it also protects you in many ways.
First, almost all states have compulsory liability insurance requirements which means the state requires a specific level of liability protection in order to get the vehicle licensed. In Arizona these limits are 15/30/10 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
Second, if your 9-3 has a lienholder, more than likely the lender will make it a condition of the loan that you have comprehensive coverage to guarantee payment of the loan. If you default on your policy, the bank may buy a policy for your Saab at a significantly higher premium and require you to pay for the much more expensive policy.
Third, car insurance protects not only your Saab but also your financial assets. It will also pay for medical bills for you, any passengers, and anyone injured in an accident. Liability coverage will also pay for a defense attorney if you are sued as the result of your driving. If mother nature or an accident damages your car, comprehensive and collision coverage will cover the repair costs.
The benefits of carrying enough insurance are without a doubt worth the cost, particularly if you ever have a claim. But the average American driver overpays as much as $800 each year so you should quote and compare rates each time the policy renews to help ensure money is not being wasted.
Specific coverage details
Knowing the specifics of your policy can help you determine which coverages you need and the correct deductibles and limits. The coverage terms in a policy can be difficult to understand and nobody wants to actually read their policy.
Uninsured/Underinsured Motorist (UM/UIM)
This coverage protects you and your vehicle from other drivers when they do not carry enough liability coverage. Covered claims include medical payments for you and your occupants and also any damage incurred to your Saab 9-3.
Due to the fact that many Arizona drivers only carry the minimum required liability limits (15/30/10), it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Normally these limits are identical to your policy’s liability coverage.
Med pay and Personal Injury Protection (PIP)
Med pay and PIP coverage kick in for bills like dental work, doctor visits and rehabilitation expenses. They are used in conjunction with a health insurance policy or if you are not covered by health insurance. They cover you and your occupants and will also cover getting struck while a pedestrian. PIP coverage is not universally available but it provides additional coverages not offered by medical payments coverage
Liability coverages
Liability insurance provides protection from damage that occurs to other’s property or people that is your fault. It consists of three limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have values of 15/30/10 that translate to $15,000 bodily injury coverage, a limit of $30,000 in injury protection per accident, and a total limit of $10,000 for damage to vehicles and property. Some companies may use one number which is a combined single limit which combines the three limits into one amount without having the split limit caps.
Liability coverage pays for claims such as emergency aid, loss of income and court costs. How much coverage you buy is a personal decision, but it’s cheap coverage so purchase as much as you can afford. Arizona requires drivers to carry at least 15/30/10 but drivers should carry better liability coverage.
The next chart demonstrates why low liability limits may not be adequate coverage.
Collision coverage
Collision coverage pays to fix your vehicle from damage caused by collision with an object or car. You first must pay a deductible then your collision coverage will kick in.
Collision coverage pays for things such as driving through your garage door, crashing into a building, damaging your car on a curb and colliding with another moving vehicle. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from older vehicles. It’s also possible to choose a higher deductible on your 9-3 to save money on collision insurance.
Comprehensive insurance
Comprehensive insurance coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive coverage pays for claims like falling objects, damage from getting keyed, vandalism, damage from a tornado or hurricane and fire damage. The maximum payout you’ll receive from a claim is the cash value of the vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.
Do the work, save more money
When shopping online for insurance, it’s a bad idea to buy lower coverage limits just to save a few bucks. In many cases, consumers will sacrifice uninsured motorist or liability limits only to find out that saving that couple of dollars actually costed them tens of thousands. Your strategy should be to find the BEST coverage at a price you can afford, but don’t skip important coverages to save money.
The cheapest Saab 9-3 insurance in Mesa can be purchased from both online companies and with local Mesa insurance agents, and you need to comparison shop both to have the best chance of lowering rates. There are still a few companies who do not provide price quotes online and most of the time these small, regional companies prefer to sell through local independent agents.
In this article, we presented quite a bit of information on how to get a better price on Saab 9-3 insurance in Mesa. The key concept to understand is the more you quote Mesa car insurance, the more likely it is that you will get a better rate. Consumers could even find that the lowest premium rates are with a smaller regional carrier.
More learning opportunities
- Parking Tips to Reduce Door Dings (State Farm)
- Who Has the Cheapest Car Insurance Rates for Teenage Males in Mesa? (FAQ)
- Who Has Cheap Mesa Car Insurance for a Honda CR-V? (FAQ)
- Liability Insurance Coverage (Nationwide)
- Automakers compete to add autobraking (Insurance Institute for Highway Safety)