Save Money on Saab 9-3 Insurance in Orlando

A recent NerdWallet.com study revealed that almost 70% of insureds renewed their policy with the same company for four years or more, and almost 40% of drivers have never compared insurance rates at all. With the average premium in Florida being $2,158, drivers could save approximately $1,100 each year, but they assume it’s a waste of time to go online and compare rates.

To save the most money, the best way to find low-cost prices for auto insurance rates is to compare quotes annually from different companies in Orlando.

Step 1: Learn about auto insurance and the modifications you can make to prevent expensive coverage. Many things that result in higher prices such as at-fault accidents, careless driving, and a substandard credit history can be eliminated by making small lifestyle or driving habit changes.

Step 2: Get rate quotes from direct carriers, independent agents, and exclusive agents. Exclusive and direct companies can only give prices from a single company like GEICO or Allstate, while independent agents can quote prices from multiple insurance companies.

Step 3: Compare the quotes to your existing policy and see if you can save money. If you can save money and decide to switch, verify that coverage does not lapse between policies.

Step 4: Notify your current company of your intention to cancel your existing policy and submit a down payment and signed policy application for the new policy. As soon as you can, store the proof of insurance certificate above your visor, in the console, or in the glove compartment.

The most important part of this process is to compare similar coverage information on each price quote and and to get rate quotes from every insurance company. This enables a fair rate comparison and a better comparison of the market.

The companies shown below provide price comparisons in Florida. If your goal is to find cheap auto insurance in FL, we suggest you click on several of them to get the best price comparison.

Lower rates by qualifying for these nine discounts

Companies that sell car insurance don’t list the entire discount list very well, so the list below details a few of the more well known and also the lesser-known discounts that you may qualify for.

• Multiple Policy Discount – If you can combine your auto and home policy and insure them with the same company you could get a discount of at least 10 to 15 percent or more.
• Club Memberships – Being in a professional or civic organization can get you a small discount on your policy.
• Life Insurance Discount – Not every insurance company offers life insurance, but if they do you may earn lower car insurance rates if you buy some life insurance in addition to your auto policy.
• Save with a New Car – Buying a new car instead of a used 9-3 can save you some money since new vehicles are generally safer.
• Driver’s Education for Students – Have your child enroll and complete driver’s education in school or through a local driver safety program.
• Pay Upfront and Save – By making one initial payment instead of making monthly payments you could save 5% or more.
• Waiver for an Accident – This one isn’t a discount, but some companies like Progressive and Allstate allow you one accident without raising rates if your claims history is clear for a particular time prior to the accident.
• Government Employee Discount – Active or former government employment may qualify for a discount when you quote Orlando car insurance but check with your company.
• Telematics Data Discounts – Policyholders that allow driving data submission to analyze where and when they drive remotely such as Progressive’s Snapshot could save a few bucks as long as they are good drivers.

A quick disclaimer, some credits don’t apply to your bottom line cost. Most only apply to the cost of specific coverages such as comp or med pay. Even though the math looks like it’s possible to get free car insurance, it doesn’t quite work that way.

The information below shows the difference between Saab 9-3 insurance rates with and without discounts applied to the premium. The information is based on a male driver, no claims or driving violations, Florida state minimum liability limits, comprehensive and collision coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, claim-free, marriage, homeowner, multi-car, and safe-driver discounts applied.

A few popular companies and a summarized list of policyholder discounts are:

• American Family may include discounts for mySafetyValet, multi-vehicle, TimeAway discount, good driver, and defensive driver.
• Farm Bureau has discounts for safe driver, multi-vehicle, youthful driver, driver training, and renewal discount.
• State Farm has savings for safe vehicle, Steer Clear safe driver discount, good driver, student away at school, and driver’s education.
• Travelers discounts include student away at school, new car, early quote, multi-car, good student, and hybrid/electric vehicle.
• The Hartford may have discounts that include anti-theft, bundle, good student, air bag, and defensive driver.
• GEICO offers premium reductions for multi-vehicle, multi-policy, military active duty, anti-theft, and seat belt use.
• Progressive policyholders can earn discounts including continuous coverage, online signing, multi-policy, online quote discount, homeowner, and multi-vehicle.

If you want the cheapest Saab 9-3 rate quotes, ask every company how you can save money. Some of the earlier mentioned discounts may not apply to policyholders in Orlando.

Facts and figures for Saab 9-3 insurance

The rate table displayed below covers different insurance premium costs for Saab 9-3 models. Having a better idea how insurance policy rates are determined is important to be able to make decisions when choosing a new policy provider.

Prices based on single male driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Florida minimum liability limits. Discounts applied include safe-driver, multi-vehicle, claim-free, multi-policy, and homeowner. Information does not factor in specific location which can raise or lower premium rates substantially.

Raise deductibles and save

One common question asked by Orlando drivers is what deductibles to buy. The following insurance rates lay out the price difference of buying low and high physical damage coverage deductibles. The first rate quote example uses a $250 physical damage deductible and the second price table uses a $500 deductible.

Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Florida minimum liability limits. Discounts applied include homeowner, safe-driver, multi-vehicle, claim-free, and multi-policy. Premium amounts do not factor in vehicle garaging location which can decrease or increase coverage prices greatly.

Based on this data, using a $250 deductible costs approximately $19 more each month or $228 for a full year across all Saab 9-3 models than selecting the higher $500 deductible. Because you would be required to pay $250 more out-of-pocket with a $500 deductible as compared to a $250 deductible, if you go more than 13 months between claims, you would probably come out ahead if you choose the higher deductible.

The information below illustrates how your deductible choice and can affect Saab 9-3 insurance prices for different ages of insureds. Data assumes a single male driver, full physical damage coverage, and no other discounts are factored in.

Careless driving habits raise auto insurance rates

The information below demonstrates how speeding tickets and accidents can influence Saab 9-3 car insurance rates for different categories of driver ages. The price estimates are based on a single female driver, full coverage, $500 deductibles, and no policy discounts are applied.

Neighborhood Orlando auto insurance agents

Some consumers just want to get professional advice from a licensed agent and that is not a bad decision Agents can help you build your policy and give you someone to call. An additional benefit of comparing auto insurance online is the fact that drivers can get lower premium rates and still have a local agent.

By using this short form, your coverage information is submitted to local insurance agents in Orlando that provide free Orlando car insurance quotes to get your business. It’s much easier because you don’t need to do any legwork due to the fact that quote results will go instantly to you. If you need to get a comparison quote from a specific company, you just need to visit that company’s website to submit a rate quote request.

Choosing the best insurer shouldn’t rely on just a cheap price. Any agent in Orlando should be willing to answer these questions.

• How much experience to they have in personal lines coverages?
• Are they in the agency full-time?
• Can they help ensure a fair claim settlement?
• Does the company allow you to choose your own collision repair facility?
• Are all drivers listed on the coverage quote?

Insurance agent types

If you are wanting to purchase auto insurance from local Orlando agents, there are two types of agencies and how they are slightly different. Insurance agencies in Orlando can be described as either exclusive agents or independent agents. Both provide auto insurance policies, but it’s important to point out the difference in how they write coverage since it can impact the selection process.

Exclusive Insurance Agents

Exclusive agents can only write with one company such as State Farm or Allstate. Exclusive agents are unable to compare other company’s rates so they really need to provide good service. They are highly trained on their company’s products which helps overcome the inability to quote other rates.

Listed below are exclusive agents in Orlando who may provide you with comparison quotes.

More insurance agents

Independent Agents

Independent insurance agents often have affiliation with several companies and that gives them the ability to insure with an assortment of companies and help determine which has the cheapest rates. If you are not satisfied with one company, the agent simply finds a different carrier and the insured can keep the same agent.

When shopping rates, it’s recommended you get some free quotes from at a minimum one independent agency so that you can do a thorough price comparison.

Listed below are Orlando independent agencies willing to provide rate quotes.

More insurance agents

Upon receiving reasonable responses to these questions and locked in a price quote, it’s possible that you found a car insurance agent that is reliable enough to insure your vehicles. Just be aware that consumers can terminate your policy whenever you wish so don’t assume that you are permanently stuck with your new company for the full policy term.

Insurance agents can help

Keep in mind that when it comes to choosing insurance from an agent or online for your vehicles, there really is no “best” method to buy coverage. Coverage needs to be tailored to your specific needs so your insurance needs to address that.
These are some specific questions could help you determine whether your personal situation will benefit from professional help.

• Should I have a commercial auto policy?
• Does my policy cover me when driving someone else’s vehicle?
• Am I covered when using my vehicle for business?
• How do I file an SR-22 for a DUI in Florida?
• What companies insure drivers after a DUI or DWI?
• Is my cargo covered for damage or theft?
• Does my liability insurance cover pulling a trailer or camper?
• Do I need roadside assistance coverage?
• What is an adequate liability insurance limit?
• What are good deductibles for a Saab 9-3?

If it’s difficult to answer those questions, you may need to chat with a licensed agent. To find an agent in your area, complete this form or you can also visit this page to select a carrier It’s fast, doesn’t cost anything and may give you better protection.

Auto insurance is an important decision

Even though it can be expensive, insurance is required for several reasons.

• Just about all states have mandatory insurance requirements which means you are required to carry a specific level of liability insurance in order to drive the car legally. In Florida these limits are 10/20/10 which means you must have $10,000 of bodily injury coverage per person, $20,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
• If your Saab has a lienholder, more than likely the lender will make it a condition of the loan that you carry insurance to ensure the loan is repaid in case of a total loss. If you do not keep the policy in force, the bank or lender will purchase a policy for your Saab for a lot more money and force you to pay for the much more expensive policy.
• Auto insurance protects both your Saab and your personal assets. It also can pay for hospital and medical expenses for you, your passengers, and anyone else injured in an accident. Liability coverage, the one required by state law, will also pay for a defense attorney if someone files suit against you as the result of an accident. If your vehicle suffers damage from an accident or hail, comprehensive (other-than-collision) and collision coverage will cover the damage repairs after a deductible is paid.

The benefits of buying enough insurance outweigh the cost, especially for larger claims. But the average American driver is overpaying more than $865 each year so you should quote rates at least once a year to make sure the price is not too high.

Auto insurance specifics

Understanding the coverages of a auto insurance policy aids in choosing appropriate coverage at the best deductibles and correct limits. The terms used in a policy can be impossible to understand and nobody wants to actually read their policy. Shown next are typical coverage types found on the average auto insurance policy.

Coverage for liability – This coverage provides protection from injuries or damage you cause to people or other property that is your fault. Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show liability limits of 10/20/10 which means $10,000 in coverage for each person’s injuries, a limit of $20,000 in injury protection per accident, and $10,000 of coverage for damaged property.

Liability insurance covers claims such as court costs, repair costs for stationary objects, structural damage, emergency aid and pain and suffering. How much liability coverage do you need? That is up to you, but buy as large an amount as possible. Florida state law requires minimum liability limits of 10/20/10 but you should think about purchasing more coverage.

The chart below shows why buying low liability limits may not be enough.

Medical payments and PIP coverage – Personal Injury Protection (PIP) and medical payments coverage kick in for expenses like X-ray expenses, surgery, rehabilitation expenses, EMT expenses and hospital visits. They are often used to cover expenses not covered by your health insurance plan or if you are not covered by health insurance. They cover you and your occupants and also covers getting struck while a pedestrian. Personal injury protection coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Collision – Collision insurance pays for damage to your 9-3 resulting from a collision with a stationary object or other vehicle. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things such as rolling your car, hitting a mailbox and crashing into a ditch. This coverage can be expensive, so consider dropping it from vehicles that are 8 years or older. You can also bump up the deductible on your 9-3 to bring the cost down.

Comprehensive auto coverage – Comprehensive insurance coverage covers damage that is not covered by collision coverage. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things such as damage from flooding, falling objects and hail damage. The most a auto insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

UM/UIM (Uninsured/Underinsured Motorist) coverage – This coverage gives you protection when the “other guys” either have no liability insurance or not enough. This coverage pays for injuries sustained by your vehicle’s occupants and damage to your Saab 9-3.

Because many people only carry the minimum required liability limits (which is 10/20/10), their limits can quickly be used up. This is the reason having UM/UIM coverage is a good idea.

Ratings for Orlando auto insurance companies

Choosing the top insurance company can be rather challenging considering how many choices drivers have in Orlando. The information in the lists below could help you analyze which auto insurers you want to consider purchasing a policy from.

Lower rates by being persistent

Throughout this article, we presented a lot of information how to get a better price on Saab 9-3 insurance in Orlando. The most important thing to understand is the more companies you get prices for, the higher the chance of saving money. Drivers may even discover the biggest savings come from the least-expected company. They may have significantly lower prices on certain market segments compared to the large companies like Allstate or State Farm.

As you restructure your insurance plan, you should never reduce coverage to reduce premium. In many cases, an insured cut collision coverage only to find out that the few dollars in savings costed them thousands. The proper strategy is to buy a smart amount of coverage for the lowest cost.

More detailed car insurance information can be found in the articles below:

• What if I Can’t Find Coverage? (Insurance Information Institute)
• Who Has Cheap Orlando Car Insurance Quotes for a Ford Fusion? (FAQ)
• What Auto Insurance is Cheapest for Ride Shares in Orlando? (FAQ)
• How Much is Auto Insurance for a Ford Explorer in Orlando? (FAQ)
• Crash Avoidance Technologies FAQ (iihs.org)
• Understanding Rental Car Insurance (Insurance Information Institute)
• Side Impact Crash Tests (iihs.org)
• Senior Drivers (Insurance Information Institute)