Cheapest Rate Quotes for Saab 9-3 Insurance in Madison

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It's safe to conclude that auto insurance companies don't want policyholders to compare prices from other companies. People who shop around are likely to buy a new policy because there is a great chance of finding coverage at a more affordable price. Remarkably, a study showed that drivers who compared price quotes annually saved on average $3,500 over four years as compared to drivers who don't make a habit of comparing rates.

If finding the cheapest price for car insurance in Madison is your ultimate objective, then learning about how to shop and compare cheaper coverage can make shopping around easier.

Discount Saab 9-3 insuranceThe easiest way to find discount auto insurance rates is to compare prices regularly from insurers who provide auto insurance in Madison. Drivers can shop around by following these steps.

  • Step 1: It will benefit you to learn about the different coverages in a policy and the things you can control to lower rates. Many factors that increase rates like careless driving and a lousy credit rating can be rectified by making small lifestyle or driving habit changes.
  • Step 2: Request price quotes from direct, independent, and exclusive agents. Exclusive agents and direct companies can only give prices from one company like GEICO and State Farm, while independent agencies can provide prices for many different companies. View insurance agents
  • Step 3: Compare the new rates to the price on your current policy to see if cheaper 9-3 coverage is available. If you find a lower rate and change companies, make sure the effective date of the new policy is the same as the expiration date of the old one.
  • Step 4: Give proper notification to your current agent or company of your decision to cancel your current coverage and submit a down payment along with a completed application to the new insurer. When you receive it, place the new certificate of insurance with your registration paperwork.

The most important part of shopping around is to make sure you're comparing the same coverage limits and deductibles on every price quote and and to look at all possible companies. Doing this guarantees a fair rate comparison and the best rate selection.

Insurance analysis for a Saab 9-3

The data table shown next covers estimates of prices for Saab 9-3 models. Learning more about how insurance prices are figured can be valuable when making smart choices when buying a car insurance policy.

Saab 9-3 Insurance Rates in Madison, WI
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
9-3 2.0T 4-Dr Sedan $158 $278 $200 $12 $60 $708 $59
9-3 2.0T Station Wagon $158 $278 $200 $12 $60 $708 $59
9-3 2.0T XWD 4-Dr Sedan $158 $278 $200 $12 $60 $708 $59
9-3 Aero 4-Dr Sedan $176 $320 $200 $12 $60 $768 $64
9-3 2.0T 2-Dr Convertible $176 $320 $234 $14 $70 $814 $68
9-3 2.0T XWD Station Wagon $176 $320 $200 $12 $60 $768 $64
9-3 Aero Station Wagon $176 $320 $200 $12 $60 $768 $64
9-3 Aero XWD 4-Dr Sedan $176 $320 $200 $12 $60 $768 $64
9-3 Aero 2-Dr Convertible $194 $364 $234 $14 $70 $876 $73
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Table data assumes married female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Wisconsin minimum liability limits. Discounts applied include safe-driver, multi-policy, homeowner, claim-free, and multi-vehicle. Rates do not factor in vehicle location which can revise auto insurance rates greatly.

Deductible comparison

One of the most common insurance questions is how high or low should comp and collision deductibles be. The following insurance rates can help you visualize the difference in cost when you choose different insurance deductibles. The first data set uses a $250 comprehensive and collision deductible and the second rate table uses a $500 deductible.

Saab 9-3 insurance rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
9-3 2.0T 4-Dr Sedan $200 $352 $196 $12 $58 $843 $70
9-3 2.0T Station Wagon $200 $352 $196 $12 $58 $843 $70
9-3 2.0T XWD 4-Dr Sedan $200 $352 $196 $12 $58 $843 $70
9-3 Aero 4-Dr Sedan $224 $406 $196 $12 $58 $921 $77
9-3 2.0T 2-Dr Convertible $224 $406 $230 $14 $68 $967 $81
9-3 2.0T XWD Station Wagon $224 $406 $196 $12 $58 $921 $77
9-3 Aero Station Wagon $224 $406 $196 $12 $58 $921 $77
9-3 Aero XWD 4-Dr Sedan $224 $406 $196 $12 $58 $921 $77
9-3 Aero 2-Dr Convertible $246 $460 $230 $14 $68 $1,043 $87
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Saab 9-3 insurance rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
9-3 2.0T 4-Dr Sedan $164 $284 $196 $12 $58 $714 $60
9-3 2.0T Station Wagon $164 $284 $196 $12 $58 $714 $60
9-3 2.0T XWD 4-Dr Sedan $164 $284 $196 $12 $58 $714 $60
9-3 Aero 4-Dr Sedan $182 $328 $196 $12 $58 $776 $65
9-3 2.0T 2-Dr Convertible $182 $328 $230 $14 $68 $822 $69
9-3 2.0T XWD Station Wagon $182 $328 $196 $12 $58 $776 $65
9-3 Aero Station Wagon $182 $328 $196 $12 $58 $776 $65
9-3 Aero XWD 4-Dr Sedan $182 $328 $196 $12 $58 $776 $65
9-3 Aero 2-Dr Convertible $200 $370 $230 $14 $68 $882 $74
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Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, and Wisconsin minimum liability limits. Discounts applied include safe-driver, claim-free, multi-vehicle, multi-policy, and homeowner. Premium costs do not factor in vehicle garaging location which can decrease or increase insurance rates significantly.

Based on this data, we can arrive at the conclusion that using a $250 deductible will cost you about $11 more each month or $132 every year across all Saab 9-3 models than choosing the higher $500 deductible. Due to the fact that you would have to pay $250 more to settle a claim with a $500 deductible as compared to a $250 deductible, if you average at a minimum 23 months between claims, you would save money if you opt for a higher deductible.

How to decide to raise your deductibles

Average monthly premium for $250 deductibles: $76
Average monthly premium for $500 deductibles (subtract): - $65
Monthly savings from raising deductible: $11
Difference between deductibles ($500 - $250): $250
Divide difference by monthly savings: $250 / $11
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 23 months

One important note is that raising deductibles to get cheaper rates means you will have to pay more when you file a claim. It will be required that you have some funds available in the event you need to pay more to get your vehicle repaired.

The information below shows how different deductible levels and can impact Saab 9-3 yearly insurance costs for each different age group. The prices are based on a single male driver, comprehensive and collision coverage, and no policy discounts are applied.

Gender-based insurance premiums

The example below visualizes the comparison of Saab 9-3 insurance premiums for male and female drivers. The costs are based on no accidents, no driving violations, comp and collision included, $1,000 deductibles, single marital status, and no discounts are taken into consideration.

Why Informed Drivers Pay Less for Saab 9-3 Insurance

One of the most helpful ways to save on auto insurance is to to have a grasp of the different types of things that aid in calculating the level of your policy premiums. If you understand what determines premiums, this allows you to make educated decisions that could result in cheaper rates. Multiple criteria are taken into consideration when you get a price on insurance. Some of the criteria are obvious like a motor vehicle report, but some are more obscure such as your marital status or how financially stable you are.

  • Safer vehicles mean better prices - Cars with high safety ratings cost less to insure. Safe vehicles have better occupant injury protection and lower injury rates translates into savings for insurance companies and thus lower rates.
  • Liability preserves assets - Liability coverage will afford coverage if ever a court rules you are at fault for personal injury or accident damage. Your policy's liability insurance provides for a legal defense to attempt to prove you were not liable. This coverage is relatively inexpensive when compared with rates for comp and collision, so buy as much as you can afford.
  • Prevent coverage lapses - Allowing your coverage to lapse is a quick way to bump up your auto insurance costs. And not only will your rates increase, not being able to provide proof of insurance could result in fines and jail time.
  • Driving citations inflate costs - Whether or not you get tickets has a big impact on rates. Just one speeding ticket or other violation can increase the cost of insurance substantially. Careful drivers receive lower rates as compared to those with violations. Drivers who get flagrant violations like reckless driving or DUI may find they need to complete a SR-22 with the DMV in their state in order to prevent their license from being revoked.

    The example below demonstrates how traffic citations and at-fault accidents impact Saab 9-3 insurance prices for different age groups. The data assumes a married female driver, comp and collision included, $1,000 deductibles, and no additional discounts are factored in.

  • Combining policies can get discounts - Lots of companies provide discounts to clients that buy multiple policies. It's known as a multi-policy discount. The amount of the discounts can be ten or even up to twenty percent in some cases. Even though this discount sounds good, it's always a smart idea to get quotes from other companies to ensure the best deal. You may still find lower rates by insuring with multiple companies.

Cheap insurance is out there

We just presented many tips how you can lower your Saab 9-3 insurance prices in Madison. The key concept to understand is the more you quote Madison auto insurance, the better likelihood of getting inexpensive Madison auto insurance quotes. Drivers may even discover the lowest prices come from a small local company. These smaller insurers may often insure only within specific states and give better rates as compared to the big name companies such as State Farm, GEICO and Nationwide.

Lower-priced Saab 9-3 insurance in Madison can be sourced online and from local agencies, and you should compare price quotes from both to have the best rate selection. Some insurance companies may not provide the ability to get a quote online and these regional carriers provide coverage only through independent agencies.

While you're price shopping online, do not sacrifice coverage to reduce premiums. There are many occasions where someone dropped uninsured motorist or liability limits and found out when filing a claim that the few dollars in savings costed them thousands. Your focus should be to get the best coverage possible at a price you can afford, but don't skip important coverages to save money.

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