Save Money on Saab 9-3 Insurance in Plano

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Anyone knows that car insurance companies don't want policyholders to shop around. Insureds who shop for lower rates will, in all likelihood, switch companies because of the good chance of finding more affordable rates. A recent survey found that consumers who faithfully checked for cheaper rates saved on average $70 a month as compared to drivers who don't regularly compare prices.

If finding the cheapest price for Saab 9-3 insurance in Plano is your objective, then knowing how to get rate quotes and compare coverage rates can make it easier for you to save money.

Insurance quote for Saab 9-3 in PlanoIf you want to save the most money, the best way to get low-cost Saab 9-3 insurance in Plano is to begin comparing prices regularly from insurance carriers who sell auto insurance in Texas. You can compare rates by following these guidelines.

  • First, try to understand what is in your policy and the changes you can make to prevent high rates. Many risk factors that result in higher rates such as traffic violations, accidents, and an unacceptable credit rating can be amended by making small lifestyle or driving habit changes. Later in this article we will cover more details to prevent high rates and get discounts that may be overlooked.
  • Second, compare prices from direct, independent, and exclusive agents. Exclusive and direct companies can only provide price estimates from a single company like Progressive or Allstate, while independent agents can provide prices from multiple companies. View insurance agents
  • Third, compare the new rate quotes to your existing rates to see if switching to a new carrier will save money. If you find better rates and buy the policy, make sure coverage does not lapse between policies.

The critical component of shopping around is that you'll want to compare identical deductibles and limits on each quote request and and to get rates from as many companies as feasibly possible. This helps ensure a fair price comparison and the best rate selection.

If you already have coverage or just want to reduce your rates, use these techniques to cut your premiums without reducing protection. Finding affordable protection in Plano is easy to do. You only have to learn the proper methods to get comparison rates using one simple form.

The fastest way that we advise to get policy rate comparisons for Saab 9-3 insurance in Plano is to understand most larger insurance companies have advanced systems to give rate comparisons. All you need to do is provide information such as if you lease or own, your credit rating estimate, driver ages, and how much you drive. Your information gets sent immediately to insurance carriers in your area and they return rate quotes instantly.

To check rates for your Saab 9-3 now, click here and enter your coverage details.

The companies shown below are ready to provide comparison quotes in Texas. If your goal is to find cheap auto insurance in Plano, it's a good idea that you get prices from several of them to find the lowest auto insurance rates.

Auto insurance is an important decision

Even though it's not necessarily cheap to insure a Saab in Plano, insurance may be required for several reasons.

First, the majority of states have mandatory insurance requirements which means the state requires a minimum amount of liability protection 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.

Second, if your 9-3 has a loan, most banks will have a requirement that you have insurance to guarantee their interest in the vehicle. If you do not pay your insurance premiums, the bank may buy a policy for your Saab at a significantly higher premium and force you to pay the higher price.

Third, auto insurance protects both your Saab 9-3 and your assets. It will also pay for medical transport and hospital expenses for you, any passengers, and anyone injured in an accident. As part of your policy, liability insurance also covers all legal expenses up to the policy limit 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 cover the repair costs.

The benefits of insuring your 9-3 more than cancel out the cost, particularly if you ever have a claim. The average driver in Texas overpays more than $830 a year so it's recommended you shop around once a year at a minimum to make sure the price is not too high.

Rates and statistics

The premium table below outlines estimates of rate quotes for Saab 9-3 models. Having a better understanding of how insurance policy premiums are established helps drivers make decisions when choosing a new policy provider.

Saab 9-3 Insurance Rates in Plano, TX
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
9-3 2.0T 4-Dr Sedan $262 $462 $330 $20 $98 $1,172 $98
9-3 2.0T Station Wagon $262 $462 $330 $20 $98 $1,172 $98
9-3 2.0T XWD 4-Dr Sedan $262 $462 $330 $20 $98 $1,172 $98
9-3 Aero 4-Dr Sedan $292 $532 $330 $20 $98 $1,272 $106
9-3 2.0T 2-Dr Convertible $292 $532 $388 $24 $116 $1,352 $113
9-3 2.0T XWD Station Wagon $292 $532 $330 $20 $98 $1,272 $106
9-3 Aero Station Wagon $292 $532 $330 $20 $98 $1,272 $106
9-3 Aero XWD 4-Dr Sedan $292 $532 $330 $20 $98 $1,272 $106
9-3 Aero 2-Dr Convertible $322 $602 $388 $24 $116 $1,452 $121
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Price data assumes married female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Texas minimum liability limits. Discounts applied include multi-vehicle, multi-policy, claim-free, homeowner, and safe-driver. Information does not factor in Plano location which can affect premiums significantly.

An analysis of deductible level

When shopping for auto insurance, a common question is which deductible level should you buy. The rates below illustrate the differences in premium rates when you buy lower versus higher deductibles. The first rate table uses a $250 deductible for comp and collision and the second data table uses a $1,000 deductible.

Saab 9-3 insurance prices with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
9-3 2.0T 4-Dr Sedan $332 $584 $324 $20 $96 $1,381 $115
9-3 2.0T Station Wagon $332 $584 $324 $20 $96 $1,381 $115
9-3 2.0T XWD 4-Dr Sedan $332 $584 $324 $20 $96 $1,381 $115
9-3 Aero 4-Dr Sedan $370 $672 $324 $20 $96 $1,507 $126
9-3 2.0T 2-Dr Convertible $370 $672 $382 $22 $114 $1,585 $132
9-3 2.0T XWD Station Wagon $370 $672 $324 $20 $96 $1,507 $126
9-3 Aero Station Wagon $370 $672 $324 $20 $96 $1,507 $126
9-3 Aero XWD 4-Dr Sedan $370 $672 $324 $20 $96 $1,507 $126
9-3 Aero 2-Dr Convertible $408 $762 $382 $22 $114 $1,713 $143
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Saab 9-3 insurance prices with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
9-3 2.0T 4-Dr Sedan $206 $368 $324 $20 $96 $1,014 $85
9-3 2.0T Station Wagon $206 $368 $324 $20 $96 $1,014 $85
9-3 2.0T XWD 4-Dr Sedan $206 $368 $324 $20 $96 $1,014 $85
9-3 Aero 4-Dr Sedan $228 $424 $324 $20 $96 $1,092 $91
9-3 2.0T 2-Dr Convertible $228 $424 $382 $22 $114 $1,170 $98
9-3 2.0T XWD Station Wagon $228 $424 $324 $20 $96 $1,092 $91
9-3 Aero Station Wagon $228 $424 $324 $20 $96 $1,092 $91
9-3 Aero XWD 4-Dr Sedan $228 $424 $324 $20 $96 $1,092 $91
9-3 Aero 2-Dr Convertible $252 $478 $382 $22 $114 $1,248 $104
Get Your Own Custom Quote Go

Premium data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include homeowner, multi-policy, claim-free, multi-vehicle, and safe-driver. Rates do not factor in Plano location which can lower or raise auto insurance rates considerably.

Using the data above, we can ascertain that using a $250 deductible costs an average of $34 more each month or $408 a year across all Saab 9-3 models than opting for the higher $1,000 deductible. Since the policyholder would be required to pay $750 more to settle a claim with a $1,000 deductible as compared to a $250 deductible, if you average at a minimum 22 months between claim filings, you would probably come out ahead going with the higher deductible.

Insurance premiums for males and females

The illustration below illustrates the difference between Saab 9-3 insurance prices for male and female drivers. The premium estimates are based on no claims, a clean driving record, full coverage, $100 deductibles, drivers are not married, and no policy discounts are applied.

Price comparison of only insuring for liability

The illustration below visualizes the comparison of Saab 9-3 insurance costs when comparing full coverage to state minimum liability only. The data is based on a clean driving record, no claims, $100 deductibles, single status, and no policy discounts are applied.

When to buy liability coverage only

There isn't a written rule to drop physical damage coverage, but there is a general guideline. If the annual cost of having full 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 assume your Saab 9-3 settlement value is $3,000 and you have $1,000 physical damage deductibles. If your vehicle is destroyed, you would only receive $2,000 after you pay the deductible. If you are paying over $200 a year for full coverage, then you might want to think about dropping full coverage.

There are some scenarios where only buying liability is not financially feasible. If you haven't paid off your loan, you are required to maintain full coverage to satisfy the loan requirements. Also, if your finances do not allow you to purchase a different vehicle in case of an accident, you should not remove full coverage.

Plano car insurance discounts

Some providers don't always publicize every policy discount in an easy-to-find place, so the list below contains a few of the more well known as well as some of the hidden credits that you can use to lower your rates.Cheaper car insurance with discounts

  • Senior Citizen Rates - If you're over the age of 55, you can get a discount up to 10%.
  • Bundled Policy Discount - If you can combine your auto and homeowners policy with one insurance company you could save as much as 10 to 15 percent.
  • Safe Driver Discounts - Accident-free drivers can save as much as half off their rates compared to accident prone drivers.
  • Fewer Miles Equal More Savings - Maintaining low annual mileage could be rewarded with substantially lower rates.
  • Driver's Education for Students - Reduce the cost of insurance for teen drivers by having them take driver's ed class if offered at their school.

A quick disclaimer, most discount credits are not given to the entire cost. Some only apply to specific coverage prices like collision or personal injury protection. Despite the fact that it seems like all those discounts means the company will pay you, that's just not realistic.

The illustration below illustrates the difference between Saab 9-3 car insurance rates with and without policy discounts. The rates are based on a male driver, no driving violations, no at-fault accidents, Texas state minimum liability limits, full physical damage coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, homeowner, safe-driver, multi-policy, marriage, and claim-free discounts applied.

A few popular companies and some of the premium reductions they offer are detailed below.

  • The Hartford may include discounts for anti-theft, air bag, good student, vehicle fuel type, defensive driver, and driver training.
  • American Family may have discounts that include accident-free, defensive driver, air bags, mySafetyValet, bundled insurance, early bird, and good driver.
  • Progressive policyholders can earn discounts including homeowner, continuous coverage, good student, online quote discount, and multi-policy.
  • Travelers offers discounts for early quote, new car, good student, IntelliDrive, multi-car, multi-policy, and student away at school.
  • Farmers Insurance includes discounts for alternative fuel, switch companies, homeowner, teen driver, and electronic funds transfer.
  • USAA offers premium reductions for defensive driver, family discount, loyalty savings, multi-vehicle, and annual mileage.
  • Liberty Mutual offers discounts including new move discount, multi-policy, newly married, newly retired, exclusive group savings, new vehicle discount, and safety features.

If you need the cheapest Saab 9-3 rate quotes, ask all the companies to apply every possible discount. Discounts may not apply in Plano. If you would like to choose from a list of car insurance companies that can offer you the previously mentioned discounts in Plano, click this link.

Auto insurance can get complicated

When it comes to choosing adequate coverage, there really isn't a one size fits all plan. Your needs are unique to you.Drive safe and save

For instance, these questions can aid in determining if you might need an agent's assistance.

  • What if I don't agree with a claim settlement offer?
  • I have good health insurance, so how much medical payments coverage do I need?
  • What is no-fault insurance?
  • Is motorclub coverage worth it?
  • Why is insurance for a teen driver so high in Plano?
  • Does coverage follow the driver or the vehicle?
  • Do I need replacement cost coverage on my Saab 9-3?
  • What if I total my Saab 9-3 and owe more than it's worth?

If it's difficult to answer those questions but you think they might apply to your situation then you might want to talk to an insurance agent. If you want to speak to an agent in your area, simply complete this short form. It is quick, free and you can get the answers you need.