How to Compare Seattle Saab 9-5 Insurance

Discount Saab 9-5 insuranceWould you like to save money by finding more competitive Saab 9-5 insurance in Seattle? Locating cheaper insurance for a Saab 9-5 in Washington could be a painful process, but you can learn a few tricks to save time.

There are more efficient ways to find auto insurance online so you’re going to learn the best way to quote coverages for a new or used Saab and get the lowest possible price from both online companies and Seattle agents.

You need to compare rates before your policy renews because auto insurance prices are constantly changing. Even if you think you had the best deal on Saab 9-5 insurance in Seattle last year you may be paying too much now. Forget anything you know (or think you know) about auto insurance because you’re about to learn the right way to properly buy coverages while reducing your premium.

Shopping for affordable insurance in Seattle is simple if you know the tricks. If you have a current insurance policy or want to find a cheaper company, you can use this information to find the best rates without having to cut coverage. Smart shoppers just need to use the least time-consuming way to compare different rates online from multiple companies.

Cheap Saab insurance rates in Seattle

The providers in the list below have been selected to offer free quotes in Seattle, WA. If more than one company is shown, it’s highly recommended you visit several of them to get the most affordable price.

Saab 9-5 Insurance Rates in Seattle, WA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
9-5 Aero XWD 4-Dr Sedan $246 $500 $282 $16 $84 $1,128 $94
Get Your Own Custom Quote Go

Above prices assume married male driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Washington minimum liability limits. Discounts applied include homeowner, multi-vehicle, multi-policy, safe-driver, and claim-free. Premium costs do not factor in garaging location in Seattle which can decrease or increase insurance rates significantly.

Analysis of deductible levels

A question often asked by Seattle drivers is which comprehensive and collision deductibles to buy. The comparisons below may help to illustrate the costs and benefits between low and high deductibles. The first data set uses a $250 deductible for comp and collision and the second price table uses a $500 deductible.

Saab 9-5 insurance policy rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
9-5 Aero XWD 4-Dr Sedan $316 $590 $294 $18 $88 $1,331 $111
Get Your Own Custom Quote Go

Saab 9-5 insurance policy rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
9-5 Aero XWD 4-Dr Sedan $256 $476 $294 $18 $88 $1,132 $94
Get Your Own Custom Quote Go

Data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Washington minimum liability limits. Discounts applied include multi-policy, homeowner, multi-vehicle, safe-driver, and claim-free. Premium amounts do not factor in the specific area where the vehicle is garaged which can influence price quotes considerably.

Based on the above data, using a $250 deductible costs roughly $17 more each month or $204 each year than buying the higher $500 deductible. Because you would pay $250 more to settle a claim with a $500 deductible as compared to a $250 deductible, if you tend to go at a minimum 15 months between claim filings, you would probably come out ahead going with the higher deductible.

Calculate deductible break even point

Average monthly premium for $250 deductibles: $111
Average monthly premium for $500 deductibles (subtract): – $94
Monthly savings from raising deductible: $17
Difference between deductibles ($500 – $250): $250
Divide difference by monthly savings: $250 / $17
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 15 months

One thing to note is that increasing deductibles to lower your rates results in a higher out-of-pocket expense if you have a claim. You must have enough money stashed away in the event you have to pay the deductible to have repairs made.

Full coverage versus liability-only

The diagram below examines Saab 9-5 insurance rates with full physical damage coverage compared to only buying liability only. The premiums are based on no driving violations, no at-fault accidents, $1,000 deductibles, single male driver, and no other discounts are factored in.

When to stop buying comprehensive and collision coverage

There is no definitive rule of when to drop physical damage coverage, but there is a guideline you can consider. If the yearly cost of full coverage is 10% or more of the replacement cost of your vehicle minus the policy deductible, then you might want to consider buying only liability coverage.

For example, let’s pretend your Saab 9-5 replacement cost is $8,000 and you have $1,000 physical damage deductibles. If your vehicle is severely damaged, the most your company would pay you is $7,000 after paying your deductible. If premiums are more than $700 a year for your policy with full coverage, then you might want to think about dropping full coverage.

There are some cases where buying only liability insurance is not recommended. If you haven’t paid off your loan, you must maintain physical damage coverage to satisfy the loan requirements. Also, if your savings is not enough to buy a different vehicle in case of an accident, you should not opt for liability only.

Slash your car insurance rates with these ten discounts

Car insurance is neither fun to buy or cheap, but companies offer discounts that can dramatically reduce your bill. Some discounts apply automatically when you quote, but some need to be specially asked for before they will apply.Discount car insurance

Discounts save money, but please remember that most of the big mark downs will not be given to your bottom line cost. Some only apply to individual premiums such as physical damage coverage or medical payments. Just because it seems like all those discounts means the company will pay you, insurance companies wouldn’t stay in business. But any discount will definitely reduce your overall premium however.

A list of car insurance companies and some of their more popular discounts are included below.

Before you buy a policy, ask each insurance company which discounts they offer. Some of the earlier mentioned discounts might not be offered in every state. To locate companies who offer cheap Saab 9-5 insurance quotes in Seattle, click here.

Can’t I compare rates from local Seattle auto insurance agents?

Many drivers prefer to sit down with an agent. Agents can make sure you are properly covered and will help you if you have claims. The best thing about comparing rate quotes online is the fact that you can find cheaper car insurance rates and also buy local. Putting coverage with local insurance agencies is still important in Seattle.

For easy comparison, once you complete this quick form, your insurance coverage information is immediately sent to insurance agents in Seattle who will return price quotes for your coverage. It’s much easier because you don’t need to contact any insurance agencies because quoted prices will be sent to the email address you provide. In the event you want to quote rates from a specific company, feel free to search and find their rate quote page to submit a rate quote request.

If you prefer to buy auto insurance from a reliable insurance agency, it helps to know the two types of agencies and how they work. Auto insurance agents in Seattle are categorized either exclusive or independent (non-exclusive). Either one can write policy coverage, but it’s important to know the difference in the companies they write for because it can impact buying decisions.

Independent Agencies or Brokers

Agents of this type are not restricted to one company so they can write business with any number of different companies and find the cheapest auto insurance rates. If prices rise, they simply move your policy to a different company and you don’t have to do anything.

When comparing rates, you need to compare quotes from a few independent agents to get the most accurate price comparison. Most can insure with lesser-known insurance companies that may provide cheaper auto insurance rates.

Listed below are independent agents in Seattle that may be able to give free auto insurance quotes.

More insurance agents

Exclusive Auto Insurance Agents

Agents that elect to be exclusive can only provide one company’s prices such as Allstate, State Farm and Farmers Insurance. These agents are unable to compare other company’s rates so they are skilled at selling on more than just price. Exclusive agents are very knowledgeable on their company’s products and that allows them to sell at a higher price point. Many people choose to use an exclusive agent mainly due to the brand name and the convenience of having a single billing for all their coverages.

Shown below is a list of exclusive agents in Seattle that are able to give price quote information.

More insurance agents

Choosing an auto insurance agent needs to be determined by more than just the quoted price. The following questions are important to ask.

After you get good feedback to all your questions and cheaper 9-5 insurance quotes, you may have just found a car insurance agent that will properly insure your vehicles. Just understand that you are able to cancel your coverage whenever you choose to so don’t think you are locked into a policy for the full policy term.

Parts of your car insurance policy

Learning about specific coverages of your policy can help you determine appropriate coverage at the best deductibles and correct limits. The terms used in a policy can be confusing and nobody wants to actually read their policy.

Auto liability insurance

Liability insurance can cover damages or injuries you inflict on other’s property or people in an accident. Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see values of 25/50/10 which stand for a $25,000 limit per person for injuries, a limit of $50,000 in injury protection per accident, and a total limit of $10,000 for damage to vehicles and property. Some companies may use a combined limit which limits claims to one amount rather than limiting it on a per person basis.

Liability coverage pays for things like emergency aid, repair costs for stationary objects, medical services, repair bills for other people’s vehicles and pain and suffering. How much liability should you purchase? That is a personal decision, but buy higher limits if possible. Washington requires drivers to carry at least 25/50/10 but it’s recommended drivers buy more liability than the minimum.

Medical payments and PIP coverage

Coverage for medical payments and/or PIP reimburse you for bills for things like EMT expenses, rehabilitation expenses, funeral costs, prosthetic devices and dental work. They are used to fill the gap from your health insurance plan or if you lack health insurance entirely. Medical payments and PIP cover both the driver and occupants in addition to getting struck while a pedestrian. Personal Injury Protection is not an option in every state but it provides additional coverages not offered by medical payments coverage

UM/UIM (Uninsured/Underinsured Motorist) coverage

Uninsured or Underinsured Motorist coverage gives you protection when other motorists do not carry enough liability coverage. It can pay for injuries to you and your family as well as your vehicle’s damage.

Due to the fact that many Washington drivers only purchase the least amount of liability that is required (25/50/10), their liability coverage can quickly be exhausted. So UM/UIM coverage is important protection for you and your family. Normally these limits are set the same as your liability limits.

Collision coverage protection

This will pay to fix damage to your 9-5 from colliding with a stationary object or other vehicle. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for claims like scraping a guard rail, hitting a parking meter, sustaining damage from a pot hole and rolling your car. Paying for collision coverage can be pricey, so consider removing coverage from older vehicles. Another option is to increase the deductible on your 9-5 to save money on collision insurance.

Comprehensive auto coverage

Comprehensive insurance pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive insurance covers claims like vandalism, fire damage and damage from a tornado or hurricane. The most you can receive from a comprehensive claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Cheap rates are available

You just read a lot of ways to find lower-cost Saab 9-5 insurance in Seattle. The key concept to understand is the more companies you get rates for, the better likelihood of getting affordable Seattle car insurance quotes. Consumers could even find that the best price on insurance is with some of the smallest insurance companies.

Insureds who switch companies do it for any number of reasons including policy cancellation, high prices, delays in responding to claim requests and even an unsatisfactory settlement offer. No matter why you want to switch, finding a new company can be less work than you think.

The cheapest Saab 9-5 insurance in Seattle is available online and with local Seattle insurance agents, so you need to quote Seattle car insurance with both so you have a total pricing picture. Some insurance providers do not offer rate quotes online and many times these smaller companies only sell coverage through independent agents.

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