Affordable Saab 9-5 Insurance in Oakland

Do you want to stop overpaying and find the cheapest Saab 9-5 insurance in Oakland? Searching for low-cost insurance for a Saab 9-5 in California could be a lot of work, but you can learn these tips to make it easier.

There are more efficient ways to find insurance online so we’re going to tell you the proper way to compare rates for a Saab and get the lowest possible price from both online companies and Oakland agents.

We don’t have to tell you that auto insurance companies want to keep you from shopping around. Consumers who compare other rates will most likely buy a new policy because there is a high probability of finding coverage at a cheaper rate. Surprisingly, a recent survey revealed that people who compared rate quotes regularly saved about $3,500 over four years as compared to drivers who don’t make a habit of comparing rates.

If finding the lowest rates on insurance in Oakland is the reason you’re reading this, understanding how to quote and compare insurance rates can make it easier to find better rates.

Cheap Saab 9-5 insurance in Oakland

Companies don’t list all their discounts in a way that’s easy to find, so the list below gives a summary of a few of the more common and also the more inconspicuous ways to save on car insurance.

• Drive Less and Save – Keeping the miles down on your Saab can earn lower prices due to less chance of an accident.
• Discounts for Government Workers – Simply working for the federal government may reduce rates when you quote Oakland auto insurance with a few car insurance companies.
• Military Discounts – Having a family member in the military could qualify you for better rates.
• Good Students Pay Less – Getting good grades may save as much as 25% on a Oakland auto insurance quote. The discount lasts until age 25.
• Defensive Driver – Taking a course that instructs on driving safety could save 5% or more and also improve your driving technique.
• Discount for Home Ownership – Being a homeowner may trigger a policy discount on car insurance due to the fact that maintaining a home requires personal responsibility.

A little disclaimer on discounts, most of the big mark downs will not be given to all coverage premiums. Some only reduce specific coverage prices like physical damage coverage or medical payments. Despite the appearance that all those discounts means the company will pay you, it doesn’t quite work that way.

The illustration below compares Saab 9-5 yearly insurance costs with and without some available policy discounts. The premiums are based on a female driver, no claims or driving citations, California state minimum liability limits, full physical damage coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, multi-car, safe-driver, multi-policy, claim-free, and marriage discounts applied.

A few of the larger companies and some of their more popular discounts are detailed below.

• State Farm has discounts for passive restraint, safe vehicle, multiple policy, anti-theft, and good driver.
• GEICO discounts include anti-theft, military active duty, defensive driver, seat belt use, membership and employees, and anti-lock brakes.
• Allstate policyholders can earn discounts including premier discount, safe driver, farm vehicle, resident student, and anti-lock brakes.
• SAFECO may offer discounts for homeowner, bundle discounts, teen safety rewards, teen safe driver, drive less, anti-lock brakes, and anti-theft.
• Farm Bureau includes discounts for multi-vehicle, 55 and retired, good student, multi-policy, renewal discount, safe driver, and driver training.
• Progressive offers discounts including online signing, homeowner, online quote discount, good student, multi-vehicle, and continuous coverage.
• AAA offers discounts for education and occupation, pay-in-full, good student, good driver, multi-policy, AAA membership discount, and multi-car.

When quoting, ask each company or agent what discounts are available to you. Discounts may not be available in your area.

Buy Oakland Saab 9-5 insurance online

Getting a more affordable price on Saab 9-5 insurance is actually easier than you may think. All that’s required is to invest a few minutes to compare rates from some recommended companies.

The auto insurance companies shown below are ready to provide quotes in Oakland, CA. If your goal is to find cheaper auto insurance in California, it’s highly recommended you click on several of them to get the lowest price.

Coverage statistics and figures

The coverage table displayed next showcases a range of insurance rates for Saab 9-5 models. Having insight into how insurance prices are determined can help guide drivers when making smart choices when selecting a policy.

Prices above based on married female driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and California minimum liability limits. Discounts applied include claim-free, multi-policy, safe-driver, homeowner, and multi-vehicle. Rates do not factor in Oakland location which can increase or decrease premium rates significantly.

Rate comparison for different deductibles

One of the most common auto insurance questions is where should you set your physical damage deductibles. The premium rates below may help to illustrate the price difference when you select higher and lower insurance deductibles. The first pricing table uses a $100 deductible for comprehensive and collision coverage and the second set of prices uses a $1,000 deductible.

Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include safe-driver, multi-policy, multi-vehicle, homeowner, and claim-free. Rate quotes do not factor in specific location which can increase or decrease insurance rates significantly.

Based on the above data, using a $100 deductible will cost you approximately $63 more each month or $756 a year across all Saab 9-5 models than quoting the higher $1,000 deductible. Due to the fact that you would have to pay $900 more out of your own pocket with a $1,000 deductible as compared to a $100 deductible, if you average more than 14 months between claims, you would probably save some money by selecting a higher deductible. The table below shows an example of how this decision is made.

One important note is that raising deductibles to get cheaper rates results in more money out-of-pocket when you have a physical damage claim. You need to have some extra funds in the event you have to pay more for the deductible.

The illustration below shows how different deductible levels and can influence Saab 9-5 premium costs for each age group. The data is based on a single male driver, comp and collision included, and no discounts are applied to the premium.

Full coverage versus liability-only in Oakland

The information below shows the comparison of Saab 9-5 insurance premiums with full physical damage coverage compared to only buying the minimum liability limits required in California. The rates are based on a clean driving record, no claims, $100 deductibles, drivers are single, and no additional discounts are factored in.

When to drop full coverage

There is no definitive guideline that works best for making the decision to drop comprehensive and collision coverage on your policy, but there is a general convention. If the yearly cost of full coverage is more than about 10% of the replacement cost minus the deductible, then you may need to consider dropping full coverage.

For example, let’s say your Saab 9-5 replacement cost is $7,000 and you have $1,000 deductibles. If your vehicle is destroyed, the most your company would pay you is $6,000 after you pay the deductible. If you are currently paying more than $600 a year for physical damage coverage, then you might want to think about dropping full coverage.

There are some scenarios where dropping physical damage coverage is not a good idea. If you haven’t satisfied your loan, you have to carry full coverage as part of the loan conditions. Also, if your savings is not enough to buy a different vehicle in the even your car is totaled, you should not opt for liability only.

You Can Change Your Insurance Premiums

A large part of saving on auto insurance is knowing some of the things that play a part in calculating your premiums. When consumers understand what positively or negatively impacts your premiums, this allows you to make educated decisions that may result in lower rates.

Better drivers pay less – Even a single citation can increase rates substantially. Careful drivers get better prices as compared to careless drivers. Drivers who have gotten multiple violations such as DUI or reckless driving might be required by their state to file a SR-22 with the DMV in their state in order to legally drive.

The illustration below demonstrates how speeding tickets and at-fault claims increase Saab 9-5 insurance costs for different age categories. The information is based on a single male driver, comprehensive and collision coverage, $1,000 deductibles, and no other discounts are factored in.

Never let your auto insurance policy lapse – Having an insurance coverage lapse will be a quick way to trigger a rate increase. In addition to paying higher premiums, getting caught without coverage will get you fines or a revoked license. You will then be forced to file a SR-22 with the California motor vehicle department.

High policy claims frequency drives up rates – If you file claims often, don’t be surprised to see much higher rates or policy non-renewal. Car insurance companies in California award the lowest premiums to insureds that do not abuse their auto insurance. Auto insurance is meant to be used in the event of the large, substantial claims.

Big cities mean more claims – Residing in less populated areas of the country has it’s advantages when insuring your vehicles. Residents of big cities regularly have more auto accidents and more severe claims. Less people living in that area means less chance of accidents in addition to fewer liability claims.

Mature drivers pay less – Teenage drivers in California are statistically proven to be careless and easily distracted when at the wheel of a vehicle and because of this, their auto insurance rates are much higher. Adding a youthful driver to your policy will cause a huge premium hike. Older drivers tend to be more responsible, tend to cause fewer accidents, and get fewer tickets.

The chart below assumes a single driver, full coverage with $500 deductibles, and no discounts or violations.

Lower performance equals lower insurance prices – The make and model of the car, truck or SUV you are trying to find cheaper insurance for makes a big difference in determining your rates. The best insurance prices are for smaller low performance passenger models, but your final cost has many other factors.

The following data is based on a single female driver age 20, full coverage with $1000 deductibles, and no discounts or violations. The chart compares Saab 9-5 insurance premiums compared to other makes and models that have different performances.

Don’t skimp on liability coverage – The liability section of your policy will provide protection if you are ruled to be at fault for personal injury or accident damage. This coverage provides for a legal defense up to the limits shown on your policy. Carrying liability coverage is mandatory and cheap compared to physical damage coverage, so buy as much as you can afford.

Having a spouse is a good thing – Having a wife or husband actually saves money when buying auto insurance. Marriage means you’re less irresponsible and statistics show married drivers tend to have fewer serious accidents.

How much insurance do I need?

Keep in mind that when it comes to choosing adequate coverage, there is no one-size-fits-all type of policy. Every insured’s situation is different and a cookie cutter policy won’t apply. For example, these questions can aid in determining if you could use an agent’s help.

• Am I covered if I crash into my own garage door?
• Am I covered by my spouse’s policy after a separation?
• Do I really need UM/UIM coverage?
• What if I total my Saab 9-5 and owe more than it’s worth?
• Is other people’s property covered if stolen from my vehicle?
• Is my nanny covered when driving my vehicle?
• Is business property covered if stolen from my car?
• Is a blown tire covered by insurance?

If it’s difficult to answer those questions but you think they might apply to your situation, then you may want to think about talking to a licensed agent. If you want to speak to an agent in your area, take a second and complete this form or you can also visit this page to select a carrier It is quick, free and can help protect your family.

Should I contact an agent?

Many people prefer to buy from a local agent and that can be a great decision Most agents are trained risk managers and give you someone to call. The best thing about getting online price quotes is you can get lower rates but still work with a licensed agent. Buying from and supporting local insurance agents is still important in Oakland.

To find an agent, once you fill out this quick form, the quote information is submitted to agents in your area that can provide free Oakland auto insurance quotes to get your business. You won’t need to contact an agency because quoted prices will be sent to the email address you provide. If you wish to get a price quote for a specific company, you just need to search and find their rate quote page and fill out their quote form.

If you are wanting to find local Oakland agents, it can be helpful to understand the different types of agencies from which to choose. Car insurance agencies can be classified as either exclusive or independent. Either type can provide car insurance policies, but we need to point out the difference in how they write coverage because it can influence the selection process.

Independent Agents (or Brokers)

Independent insurance agents often have affiliation with several companies and that allows them to write policies with any number of different companies depending on which coverage is best. If your premiums go up, the business is moved internally and you don’t have to find a new agent.

When comparing rate quotes, we recommend you check rates from several independent agencies to have the most options to choose from. Most can insure with less well-known companies that may have much lower rates than larger companies.

Below are Oakland independent insurance agents who may be able to give you pricing information.

• Film Casualty Insurance Agency
  3246 Ettie St #23 – Oakland, CA 94608 – (619) 578-3048 – View Map
• JCB Insurance Services
  6427 Westover Dr – Oakland, CA 94611 – (510) 336-3490 – View Map
• Travel Insurance Agency
  610 16th St #508 – Oakland, CA 94612 – (510) 452-3366 – View Map

View more Oakland agents

Exclusive Insurance Agents

Exclusive agents can only place business with one company like Allstate and State Farm. Exclusive agencies are unable to provide prices from multiple companies so keep that in mind. These agents are usually quite knowledgeable on the products they sell which can be an advantage. Consumers frequently use the same exclusive agent mostly because of the prominent brand name and the convenience of having all coverages with one company.

Shown below is a list of exclusive agencies in Oakland that can give you comparison quotes.

• Farmers Insurance – Yonas Hagos
  220 4th St Suite 200 – Oakland, CA 94607 – (510) 763-1030 – View Map
• Farmers Insurance – Mahir Abdul-Haqq
  4267 Masterson St – Oakland, CA 94619 – (510) 530-8502 – View Map
• State Farm: Julie La
  3800 Park Blvd #200 – Oakland, CA 94602 – (510) 550-9775 – View Map

View more Oakland agents

Deciding on a car insurance agent needs to be determined by more than just a cheap price. The questions below may impact your decision as well.

• Which companies do they recommend if they are an independent agency?
• Are claims handled at the agent’s location?
• Which companies can they place coverage with?
• Does the agent have professional designations like CIC, CPCU or AIC?
• Are they giving you every discount you deserve?
• Do they have adequate Errors and Omissions coverage? This protects you if they make a mistake.
• Is every driver in your family covered?

Three good reasons to insure your 9-5

Despite the potentially high cost of Saab 9-5 insurance, paying for car insurance is most likely required but also gives you several important benefits.

• Just about all states have minimum mandated liability insurance limits which means it is punishable by state law to not carry a specific minimum amount of liability protection in order to be legal. In California these limits are 15/30/5 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.
• If your vehicle has a loan, more than likely the lender will make it a condition of the loan that you have insurance to guarantee loan repayment. If the policy lapses, the lender may insure your Saab at an extremely high rate and require you to fork over for the much more expensive policy.
• Car insurance protects both your car and your personal assets. It also can pay for medical bills that are the result of an accident. Liability insurance also pays for attorney fees and expenses if you are sued as the result of an accident. If mother nature or an accident damages your car, your policy will pay to restore your vehicle to like-new condition.

The benefits of buying enough insurance are definitely more than the cost, especially with large liability claims. According to a recent study, the average American driver overpays more than $855 a year so compare quotes from several companies at least once a year to be sure current rates are still competitive.

Affordable auto insurance prices are available

Some insurance providers may not offer the ability to get quotes online and usually these small, regional companies prefer to sell through independent agencies. Lower-priced auto insurance in Oakland is possible on the web and from local agencies, so you need to compare both to have the best selection.

We just covered a lot of information how to shop for Saab 9-5 insurance online. The key thing to remember is the more companies you get rates for, the better your chances of lowering your rates. Consumers could even find that the lowest priced auto insurance comes from an unexpected company. Smaller companies often have lower rates on specific markets than the large multi-state companies such as Progressive and GEICO.

Steps to finding lower priced Saab 9-5 insurance in Oakland

If you want to save money, the best way to find more affordable Saab 9-5 insurance in Oakland is to do an annual price comparison from different companies in California. You can compare prices by following these steps.

1. Take a few minutes and learn about individual coverages and the things you can change to prevent rate increases. Many risk factors that result in higher rates like speeding and a less-than-favorable credit score can be controlled by making small lifestyle or driving habit changes.
2. Get rate quotes from direct carriers, independent agents, and exclusive agents. Exclusive agents and direct companies can provide rates from a single company like GEICO or State Farm, while agents who are independent can provide rate quotes from multiple companies. View insurance agents
3. Compare the quotes to your existing rates and determine if there is any savings. If you find better rates, ensure there is no coverage lapse between policies.
4. Give proper notification to your current agent or company to cancel your current policy. Submit the required down payment along with the signed application for the new policy. Be sure to store the certificate verifying proof of insurance along with the vehicle’s registration papers.

One tip to remember is to try to compare the same liability limits and deductibles on every quote request and to quote with as many companies as you can. This ensures a level playing field and many rates to choose from.

Additional auto insurance information can be found below:

• Higher speed limits cause more fatalities (Insurance Institute for Highway Safety)
• How Much are Auto Insurance Rates for a 20 Year Old Male in Oakland? (FAQ)
• Who Has Affordable Car Insurance Quotes for a Dodge Ram in Oakland? (FAQ)
• How Much is Car Insurance for 16 Year Olds in Oakland? (FAQ)
• Who Has Cheap Oakland Auto Insurance for College Students? (FAQ)
• Who Has Cheap Auto Insurance Quotes for Police Officers in Oakland? (FAQ)
• Auto Theft Statistics (Insurance Information Institute)
• Rental Reimbursement Coverage (Allstate)
• Teen Driver Licensing Information (iihs.org)