Save Money on Saab 9-3 Insurance in Oakland

Truthfully, the best way to save money on Saab 9-3 insurance is to begin comparing prices regularly from insurance carriers that sell auto insurance in Oakland. This can be done by following these guidelines.

First, spend a few minutes and learn about how companies set rates and the modifications you can make to keep rates in check. Many risk factors that result in higher rates like at-fault accidents and a not-so-good credit history can be remedied by being financially responsible and driving safely.

Second, compare prices from direct carriers, independent agents, and exclusive agents. Exclusive agents and direct companies can provide rates from one company like Progressive or Farmers Insurance, while independent agents can give you price quotes for a wide range of insurance providers.

Third, compare the quotes to your current policy and see if there is a cheaper rate. If you find a lower rate quote and decide to switch, make sure coverage is continuous and does not lapse.

Fourth, tell your current agent or company of your intent to cancel your current car insurance policy and submit the signed application along with the required initial payment to the newly selected company. Once received, place your new certificate of insurance in an accessible location in your vehicle.

The most important part of this process is to use identical coverage information on each quote request and and to get rates from as many carriers as you can. This provides an apples-to-apples comparison and the best price selection.

Smart shoppers know that auto insurance companies don’t want you quoting rates from other companies. Consumers who rate shop once a year are inclined to switch companies because there are good odds of finding better rates. A recent survey found that people who faithfully checked for cheaper rates saved approximately $860 a year compared to policyholders who never compared other company’s rates.

If finding the lowest rates on car insurance in Oakland is why you’re here, then learning about how to shop and compare coverages can help you succeed in finding affordable rates.

Low cost Oakland Saab 9-3 insurance

Cutting your insurance rates can be surprisingly simple. All that’s required is to invest a few minutes comparing free Oakland car insurance quotes online from several insurance companies.

It’s so fast and easy to compare quotes online that it makes it obsolete to call or drive to each insurance agency near you. Doing it all online can eliminate the need for a local agent unless you’re the type of person who wants the professional advice of a local agent. Although you can find lower rates online and still use a local agent.

The following companies are ready to provide price quotes in California. If multiple companies are listed, we recommend you visit several of them in order to get a fair rate comparison.

Auto insurance data for a Saab 9-3

The coverage table shown next showcases a range of insurance rates for Saab 9-3 models. Being able to understand how insurance prices are figured can help you make decisions when shopping around.

Table data represents single female driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include multi-policy, safe-driver, homeowner, multi-vehicle, and claim-free. Estimates do not factor in vehicle garaging location which can increase or decrease premiums greatly.

The example below highlights how deductible choice and can affect Saab 9-3 annual premium costs for different age groups. The price estimates are based on a single male driver, comprehensive and collision coverage, and no discounts are applied.

Illustration showing the impact of accidents and violations

The diagram below highlights how speeding tickets and fender-benders raise Saab 9-3 premium costs for different age groups. Data assumes a married male driver, full physical damage coverage, $1,000 deductibles, and no additional discounts are factored in.

Insurance Rate Influencing Factors

Smart consumers have a good feel for the rating factors that are used to determine the level of your policy premiums. If you know what positively or negatively impacts your premiums, this helps enable you to make changes that will entitle you to lower premium levels.

The list below includes some of the major factors companies use to determine premiums.

Gender matters – The statistics show that men are more aggressive behind the wheel. However, don’t assume that males are worse at driving than females. Men and women cause at-fault accidents in similar percentages, but guys cause more damage. In addition to higher claims, males also have more aggressive citations such as DWI and reckless driving.

The chart below shows the comparison of Saab 9-3 yearly insurance costs for male and female drivers. The rates are based on no claims or driving violations, full physical damage coverage, $500 deductibles, marital status is single, and no discounts are taken into consideration.

Safety ratings are a factor – Safer cars are cheaper to insure. Safe vehicles have better occupant injury protection and lower injury rates translates directly to fewer claims and more competitive rates for policyholders. If your Saab 9-3 earned at least an “acceptable” rating on the Insurance Institute for Highway Safety website you may be receiving a better rate.

Don’t let your coverage lapse – Going without insurance will be a quick way to bump up your car insurance costs. Not only will rates go up, failure to provide proof of insurance could result in a license revocation or jail time. You may then be required to file a SR-22 with the California motor vehicle department to get your license reinstated.

Your location is important – Being located in a small town can be a good thing when buying car insurance. People in densely populated areas tend to have much more traffic and more severe claims. Fewer drivers and short commutes means less chance of accidents as well as less vandalism and auto theft.

Why you need insurance for your vehicle

Even though Oakland 9-3 insurance rates can get expensive, maintaining insurance is required by state law in California and it also provides benefits you may not be aware of.

First, just about all states have minimum mandated liability insurance limits which means you are required to carry a specific level of liability in order to get the vehicle licensed. 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.

Second, if your vehicle has a loan, it’s guaranteed your bank will require you to have comprehensive coverage to guarantee loan repayment. If you default on your policy, the bank will be required to insure your Saab for a much higher rate and force you to reimburse them a much higher amount than you were paying before.

Third, car insurance preserves both your assets and your Saab 9-3. It will also provide coverage for hospital and medical expenses incurred in an accident. Liability insurance will also pay for a defense attorney if you cause an accident and are sued. If your Saab gets damaged, comprehensive and/or collision insurance will pay to have it repaired.

The benefits of having car insurance are definitely more than the cost, especially with large liability claims. Despite what companies tell you, the average driver is wasting up to $750 every year so it’s important to compare rates at least once a year to be sure current rates are still competitive.