Affordable Insurance for a Saab 9-5 in Plano

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Insurance quote for Saab 9-5 in PlanoIt takes a little time, but the best way to get affordable Saab 9-5 insurance is to annually compare prices from different companies who provide car insurance in Plano.

Step 1: Take a few minutes and learn about policy coverages and the changes you can make to prevent expensive coverage. Many rating factors that result in higher rates like distracted driving and a not-so-good credit rating can be remedied by making small lifestyle or driving habit changes. This article gives additional tips to lower rates and get additional discounts.

Step 2: Quote rates from exclusive agents, independent agents, and direct providers. Exclusive agents and direct companies can only quote rates from one company like Progressive or Allstate, while independent agents can quote prices from multiple sources.

Step 3: Compare the new quotes to your current policy premium to determine if you can save on 9-5 insurance in Plano. If you can save money and make a switch, make sure coverage does not lapse between policies.

Step 4: Give proper notification to your current agent or company of your intention to cancel your existing policy. Submit a completed application and payment to your new agent or company. As soon as you receive it, keep the new certificate of insurance with your vehicle's registration.

A tip to remember is to try to use identical coverage information on each quote request and and to compare every insurance company. This guarantees an accurate price comparison and and a good selection of different prices.

It's an obvious statement that insurance companies don't want their customers to go rate shopping. Insureds who get price comparisons are inclined to switch companies because of the good chance of finding a more affordable policy. Remarkably, a study showed that people who made a habit of comparing rate quotes saved approximately $850 each year compared to drivers who never shopped around.

If finding low prices for Saab 9-5 insurance in Plano is why you're reading this, then having a good understanding the best ways to shop for coverage rates can make it easier to find better rates.

Locating the best rates in Plano is not that difficult. If you have coverage now, you will most likely be able to get lower rates using the ideas you're about to read. Although Texas car owners must understand the way insurance companies sell insurance online and take advantage of how the system works.

When shopping for the cheapest Saab 9-5 rate quotes, there are a couple of ways to get quotes from different Plano insurance companies. The fastest way to comparison shop is to get quotes online.

It's so fast and easy to compare quotes online that it makes it a waste of time to waste gas driving to different Plano agent offices. Buying insurance online makes this process obsolete unless you have a complicated situation and need the professional abilities that only an agent can give. If you prefer, some companies allow you to compare the best prices online and get advice from an agent in your area. It's important to know that comparing a wide range of rates helps improve the odds of finding lower pricing. Some companies don't provide Plano 9-5 insurance quotes over the internet, so you also need to get quotes from them as well.

The companies shown below can provide comparison quotes in Texas. If you want cheap auto insurance in Plano, it's a good idea that you get rates from several of them to find the most competitive auto insurance rates.

Saab 9-5 insurance rates and statistics

The coverage information shown next covers detailed analysis of insurance policy prices for Saab 9-5 models. Learning a little about how policy premiums are figured can help you make decisions on the best policy coverages.

Saab 9-5 Insurance Rates in Plano, TX
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
9-5 Aero XWD 4-Dr Sedan $408 $762 $382 $22 $114 $1,688 $141
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Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Texas minimum liability limits. Discounts applied include multi-policy, homeowner, safe-driver, multi-vehicle, and claim-free. Premium costs do not factor in zip code location which can increase or decrease premium rates significantly.

Rate comparison for different deductibles

One common question asked by Plano drivers is where to set your physical damage deductibles. The rates shown below illustrate the rate differences when you select higher and lower physical damage deductibles. The first data table uses a $250 physical damage coverage deductible and the second rate table uses a $1,000 deductible.

Saab 9-5 insurance prices with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
9-5 Aero XWD 4-Dr Sedan $408 $762 $382 $22 $114 $1,713 $143
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Saab 9-5 insurance prices with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
9-5 Aero XWD 4-Dr Sedan $252 $478 $382 $22 $114 $1,248 $104
Get Your Own Custom Quote Go

Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include homeowner, safe-driver, claim-free, multi-policy, and multi-vehicle. Price information does not factor in vehicle garaging location which can influence premiums noticeably.

Using the data above, we can ascertain that using a $250 deductible will cost you roughly $39 more each month or $468 every year across all Saab 9-5 models than buying the higher $1,000 deductible. Because you would pay $750 more to file a claim with a $1,000 deductible as compared to a $250 deductible, if you tend to average more than 19 months between claims, you would come out ahead if you choose the higher deductible.

Insurance rate increases from tickets or accidents

The chart below demonstrates how citations and at-fault accidents can drive up Saab 9-5 annual premium costs for different categories of driver ages. The data is based on a married male driver, full physical damage coverage, $250 deductibles, and no discounts are factored in.

Saab 9-5 insurance rates by age and gender

The illustration below illustrates the difference between Saab 9-5 insurance rates for male and female drivers. The rate quotes are based on no claims or driving citations, comprehensive and collision coverage, $500 deductibles, drivers are not married, and no discounts are applied to the premium.

Discount Plano insurance rates

Car insurance is not cheap, but there may be some discounts that many consumers don't even know exist. Certain reductions will be credited at the time of purchase, but some discounts are required to be asked for before you will receive the discount.Cheaper insurance with discounts

  • Include Life Insurance and Save - Select insurance carriers reward you with a discounted price on car insurance if you buy a life insurance policy as well.
  • Discounts for Federal Employees - Active or retired federal employment may reduce rates when you quote Plano auto insurance with certain companies.
  • Plano Homeowners Discount - Just owning your own home may trigger a policy discount on insurance because owning a home is proof of financial responsibility.
  • Auto/Home Discount - If you can bundle your auto and home insurance with one insurance company you may save approximately 10% to 15%.
  • Buy New and Save - Buying a new car model may earn a small discount because newer vehicles are generally safer.
  • Data Collection Discounts - Plano drivers who agree to allow data collection to track driving manner by using a telematic data system such as Allstate's Drivewise and State Farm's In-Drive system may get a rate reduction if their driving habits are good.
  • Senior Citizens - Drivers over the age of 55 can possibly qualify for a small discount on rates.
  • Memberships - Belonging to certain professional organizations is a simple method to lower premiums when shopping for insurance.
  • Driver Education Discount - Have your child participate in a local driver's education class if it's offered in school.

Don't be surprised that most discounts do not apply to the overall cost of the policy. Most only cut individual premiums such as collision or personal injury protection. Even though the math looks like having all the discounts means you get insurance for free, that's just not realistic.

The chart below shows the comparison of Saab 9-5 auto insurance rates with and without policy discounts. Data assumes a male driver, no claims or driving citations, Texas state minimum liability limits, comp and collision included, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, claim-free, homeowner, multi-car, safe-driver, and marriage discounts applied.

To locate providers that can offer you the previously mentioned discounts in Texas, click here.

It may be expensive, but it's not optional

Despite the high cost, insurance may be required for several reasons.

  • Almost all states have mandatory liability insurance requirements which means you are required to buy a minimum amount of liability insurance in order to be legal. In Texas these limits are 30/60/25 which means you must have $30,000 of bodily injury coverage per person, $60,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
  • If you have a loan on your vehicle, most banks will require that you have comprehensive coverage to guarantee loan repayment. If you cancel or allow the policy to lapse, the lender may insure your Saab at a much higher premium rate and force you to reimburse them much more than you were paying before.
  • Insurance protects not only your Saab 9-5 but also your assets. Insurance will also pay for hospital and medical expenses for yourself as well as anyone injured by you. As part of your policy, liability insurance also covers all legal expenses up to the policy limit if anyone sues you for causing an accident. If damage is caused by hail or an accident, your policy will cover the repair costs.

The benefits of carrying enough insurance definitely exceed the cost, particularly when you have a large claim. Despite what companies tell you, the average driver is overpaying more than $865 each year so you should quote your policy with other companies at least once a year to be sure current rates are still competitive.

Compare rate quotes but buy from a local Plano insurance agent

A small number of people just prefer to talk to a local agent and that is OK! The best thing about getting free rate quotes online is you may find lower rates but also keep your business local.

Insurance agency in PlanoTo find an agent, once you fill out this short form, the coverage information is emailed to insurance agents in Plano who will gladly provide quotes for your coverage. It simplifies rate comparisons since you won't have to find an agent as quotes are delivered immediately to your email address. You can find lower rates and a licensed agent to work with. If you wish to compare rates from a particular provider, you can always jump over to their website and submit a quote form there.

Choosing the best provider should include more criteria than just a cheap price. These are some valid questions you should ask.

  • Is coverage determined by price?
  • Which family members are covered?
  • Are there any extra charges for paying monthly?
  • Do they offer accident forgiveness?
  • How long has their agency been open in Plano?
  • Do they have 24-hour customer assistance?
  • Do you need full coverage on every vehicle?

If you want to buy car insurance from a local Plano insurance agency, there are a couple of different agency structures to choose from. Car insurance agencies can be categorized as either independent agents or exclusive agents depending on their employer.

Exclusive Insurance Agents

Agents of this type normally can only provide a single company's rates and some examples include American Family, State Farm, and Allstate. Exclusive agencies are unable to provide prices from multiple companies so you need to shop around if the rates are high. They are usually well trained on their company's products and that allows them to sell at a higher price point.

The following is a list of exclusive insurance agencies in Plano willing to provide rate quotes.


2100 Dallas Pkwy #110 - Plano, TX 75093 - (972) 403-1060 - View Map


8000 Coit Rd #100 - Plano, TX 75025 - (972) 731-0350 - View Map


1729 N Central Expy Suite A - Plano, TX 75075 - (972) 509-5600 - View Map

View more Plano agents

Independent Agencies or Brokers

Independent agents are not restricted to one company and that is an advantage because they can write policies with an assortment of companies and find you cheaper rates. If prices rise, the agent simply finds a different carrier and you won't have to switch agencies. If you need cheaper car insurance rates, it's recommended you get several quotes from a few independent agents for the best price selection.

Below is a list of independent insurance agents in Plano who can help you get price quotes.


1445 Los Rios Blvd #203 - Plano, TX 75074 - (972) 422-7918 - View Map


2504 K Ave #400 - Plano, TX 75074 - (972) 423-4348 - View Map


5805 Coit Rd #401 - Plano, TX 75093 - (972) 964-0113 - View Map

View more Plano agents

After receiving good answers to your questions and a low price estimate, chances are good that you have found an insurance agency that meets your needs to properly service your car insurance policy.