Saab 9-3 Insurance Quotes in Seattle

Insurance rates Saab 9-3 in SeattleWould you prefer to buy lower-priced Saab 9-3 insurance in Seattle? Buying the cheapest Seattle Saab 9-3 insurance quotes on the internet can seem to be rather challenging for drivers new to quoting and comparing rates on the internet. With so many online companies available, how are we expected to have the ability to compare every company in order to find the cheapest rates?

Astonishing but true, most auto insurance policyholders renewed their policy with the same company for well over three years, and just under half have never taken the time to shop around. Most drivers in Washington could save approximately $400 every year just by getting comparison quotes, but they just don’t understand how easy it is to go online and compare rates.

If you have a current auto insurance policy, you will surely be able to shop for the lowest rates using the tips covered below. Our objective in writing this article is to teach you a little about the best way to quote coverages and how you can save the most money. But Washington vehicle owners must know the methods companies use to charge you for coverage.

Get cheaper Saab 9-3 insurance rates in Seattle

Some companies do not list the complete list of policy discounts very clearly, so here is a list a few of the more well known and the more hidden credits that may apply to you. If you’re not getting every credit available, you are throwing money away.

A quick disclaimer, some of the credits will not apply to the overall cost of the policy. Most cut the cost of specific coverages such as liability, collision or medical payments. So despite the fact that it appears you can get free auto insurance, companies don’t profit that way.

Insurance companies that may offer these benefits possibly include:

It’s a good idea to ask every insurance company which credits you are entitled to. Depending on the company, some discounts may not be available in every state. To locate companies with discount car insurance rates in Seattle, click here to view.

Just remember that comparing more rates from different companies will enable you to find lower pricing.

The following companies are our best choices to provide comparison quotes in Seattle, WA. If multiple companies are shown, it’s highly recommended you visit several of them in order to get a fair rate comparison.

Saab 9-3 Insurance Rate Estimates in Seattle, WA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
9-3 2.0T 4-Dr Sedan $274 $610 $326 $20 $98 $1,328 $111
9-3 2.0T Station Wagon $198 $376 $236 $14 $70 $894 $75
9-3 2.0T XWD 4-Dr Sedan $136 $278 $264 $16 $78 $772 $64
9-3 Aero 4-Dr Sedan $274 $610 $264 $16 $78 $1,242 $104
9-3 2.0T 2-Dr Convertible $200 $412 $310 $18 $92 $1,032 $86
9-3 2.0T XWD Station Wagon $354 $764 $338 $20 $102 $1,578 $132
9-3 Aero Station Wagon $170 $370 $326 $20 $98 $984 $82
9-3 Aero XWD 4-Dr Sedan $354 $764 $338 $20 $102 $1,578 $132
9-3 Aero 2-Dr Convertible $342 $690 $300 $18 $90 $1,440 $120
Get Your Own Custom Quote Go

Prices above based on married female driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Washington minimum liability limits. Discounts applied include multi-vehicle, multi-policy, safe-driver, homeowner, and claim-free. Price estimates do not factor in specific garaging location which can raise or lower coverage rates greatly.

Male drivers versus female drivers

The example below illustrates the comparison of Saab 9-3 insurance costs for male and female drivers. The premiums assume no driving violations, no at-fault accidents, comp and collision included, $100 deductibles, single marital status, and no policy discounts are applied.

Safe drivers pay less for car insurance

The diagram below highlights how traffic violations and accidents influence Saab 9-3 yearly insurance costs for each different age group. The premiums assume a single male driver, full coverage, $250 deductibles, and no additional discounts are factored in.

Should you buy full coverage?

The information below examines Saab 9-3 yearly insurance costs with full physical damage coverage compared to only buying the minimum liability limits required in Washington. Data assumes no claims or driving violations, $100 deductibles, single female driver, and no policy discounts are applied.

When to eliminate full coverage

There is no set guideline for eliminating comp and collision coverage, but there is a general guideline. If the annual cost of your full coverage insurance is about 10% or more of any settlement you would receive from your insurance company, then it may be the right time to buy liability only.

For example, let’s pretend your Saab 9-3 book value is $5,000 and you have $1,000 physical damage deductibles. If your vehicle is severely damaged, the most your company would pay you is $4,000 after the policy deductible has been paid. If you are paying in excess of $400 a year for comprehensive and collision coverage, the it may be a good time to stop paying for full coverage.

There are some conditions where only buying liability is not financially feasible. If you still have a lienholder on your title, you are required to maintain full coverage in order to prevent the bank from purchasing higher-priced coverage. Also, if you don’t have enough money to buy a different vehicle in case of an accident, you should not buy liability only.

Six factors that influence insurance premiums

One of the most helpful ways to save on insurance is to to have a grasp of the factors that are used to determine your insurance rates. If you have a feel for what positively or negatively impacts your premiums, this empowers consumers to make smart changes that will entitle you to lower rates.

The following are some of the major factors insurance companies consider when setting your premiums.

Compare rate quotes but work with a local Seattle insurance agent

Many drivers still like to buy from a licensed agent and that is recommended in a lot of cases A nice benefit of comparing rates online is the fact that you can find cheap car insurance quotes but still work with a licensed agent. And supporting neighborhood agents is definitely important in Seattle.

After filling out this form (opens in new window), your coverage information is emailed to local insurance agents in Seattle that can provide free Seattle auto insurance quotes for your coverage. You don’t have to search for any insurance agencies due to the fact that quote results will go to you. You can get cheaper car insurance rates AND an agent nearby. If you need to get a rate quote from a specific company, don’t hesitate to go to their quote page and give them your coverage information.

Shown below are Seattle insurance companies that can give you comparison quotes for Saab 9-3 insurance in Seattle.

More insurance agents

Finding the right company requires more thought than just a cheap quote. Below are some questions you should ask.

Three good reasons to insure your vehicle

Despite the high insurance cost for a Saab 9-3 in Seattle, auto insurance may be required for several reasons.

First, almost all states have mandatory insurance requirements which means state laws require specific minimum amounts of liability insurance coverage in order to drive the car legally. In Washington these limits are 25/50/10 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.

Second, if you have a loan on your 9-3, more than likely the lender will require you to carry insurance to guarantee their interest in the vehicle. If you do not pay your insurance premiums, the lender may insure your Saab at a much higher premium rate and require you to pay the higher price.

Third, insurance protects not only your vehicle but also your financial assets. Insurance will pay for medical expenses for not only you but also any passengers injured in an accident. Liability coverage, the one required by state law, will also pay attorney fees if you are sued as the result of your driving. If damage is caused by hail or an accident, collision and comprehensive (also known as other-than-collision) coverage will pay all costs to repair after the deductible has been paid.

The benefits of insuring your 9-3 definitely exceed the cost, particularly for liability claims. An average driver in America overpays as much as $810 a year so you should quote your policy with other companies every year to help ensure money is not being wasted.

Keep this in mind when shopping around

When getting Seattle auto insurance quotes online, it’s a bad idea to skimp on critical coverages to save a buck or two. In too many instances, an insured cut uninsured motorist or liability limits and found out when filing a claim that saving that couple of dollars actually costed them tens of thousands. Your objective should be to buy a smart amount of coverage for the lowest price and still be able to protect your assets.

Throughout this article, we presented some good ideas how you can compare Saab 9-3 insurance premium rates in Seattle. The most important thing to understand is the more rate comparisons you have, the better likelihood of getting affordable Seattle auto insurance quotes. You may even be surprised to find that the best price on car insurance is with a small local company.

Budget-conscious Saab 9-3 insurance can be bought on the web and from local agencies, so get free Seattle auto insurance quotes from both of them to have the best selection. There are still a few companies who don’t offer price quotes online and usually these smaller companies prefer to sell through local independent agencies.

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