Saab 9-3 Insurance Rates in Scottsdale

Want to learn the secrets to finding cheaper Saab 9-3 insurance in Scottsdale? Price shopping your Saab 9-3 insurance in Scottsdale could be a challenge for people who are beginners to online comparison shopping. With so many agents and insurance companies available, it can easily turn into a challenge to locate the lowest price in Arizona.

Astonishing but true, nearly 70% of customers kept their coverage with the same auto insurance company for at least the last four years, and practically 40% of auto insurance customers have never even shopped around for cheaper coverage. Scottsdale drivers could pocket roughly $730 a year, but most just don’t grasp the actual amount they would save if they switched.

Low cost Scottsdale Saab 9-3 insurance rate quotes

Most companies provide pricing from their websites. Doing online quotes for Saab 9-3 insurance in Scottsdale can be done by anyone as you simply enter the amount of coverage you want as detailed in the form. When complete, the system makes automated requests for information on your driving record and credit history and returns a price quote.

This makes comparing rates easy, and it is imperative to compare as many rates as possible if you want to get the most affordable premium.

If you want to compare pricing, consider comparing rates from the companies shown below. If you currently have coverage, we recommend you input deductibles and limits as shown on your current policy. This way, you will get a price comparison for exact coverage.

The companies in the list below are ready to provide quotes in Arizona. To get cheaper car insurance in Scottsdale, it’s a good idea that you compare several of them in order to find the cheapest rates.

Insurance statistics and figures

The premium information displayed next covers different insurance rates for Saab 9-3 models. Having a better idea how premiums are established can help drivers make informed decisions when comparing rates.

Prices above based on single male driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Arizona minimum liability limits. Discounts applied include claim-free, multi-policy, homeowner, multi-vehicle, and safe-driver. Price estimates do not factor in vehicle location which can modify price quotes substantially.

Physical damage deductibles

When shopping for insurance, a common question is how high should the physical damage deductibles be. The data tables below can help you understand how much more you’ll pay between low and high deductibles. The first price estimate table uses a $250 comprehensive and collision deductible and the second pricing table uses a $1,000 deductible.

Table data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Arizona minimum liability limits. Discounts applied include homeowner, safe-driver, claim-free, multi-policy, and multi-vehicle. Premium costs do not factor in the specific area where the vehicle is garaged which can increase or decrease premium rates significantly.

Based on these figures, using a $250 deductible would cost the average driver about $27 more each month or $324 annually than requesting the higher $1,000 deductible. Due to the fact that you would have to pay $750 more out-of-pocket with a $1,000 deductible as compared to a $250 deductible, if you tend to have at least 28 months between claim filings, you would save money if you decide on a higher deductible. Here’s the way you can come to your own conclusion.

One important caveat is that raising deductibles results in more money out-of-pocket if you have a claim. That will require enough savings in order to pay the deductible.

Illustration showing the impact of accidents and violations

The chart below demonstrates how traffic citations and at-fault fender-benders impact Saab 9-3 auto insurance costs for different categories of driver ages. Data assumes a single female driver, comprehensive and collision coverage, $1,000 deductibles, and no discounts are taken into consideration.

Full coverage or liability only

The chart below compares Saab 9-3 car insurance costs with full physical damage coverage compared to only buying liability only. The premiums are based on no claims or driving citations, $100 deductibles, drivers are not married, and no other discounts are factored in.

Are you wasting money paying for full coverage?

There is no exact rule for dropping full coverage, but there is a broad guideline. If the yearly cost for physical damage coverage is about 10% or more of the replacement cost minus the deductible, then you might want to think about dropping full coverage.

For example, let’s pretend your Saab 9-3 settlement value is $7,000 and you have $1,000 deductibles. If your vehicle is totaled, the most you would receive is $6,000 after paying the physical damage deductible. If premiums are more than $600 annually to have full coverage, then you might want to consider buying only liability coverage.

There are a few situations where buying only liability insurance is not recommended. If you still owe a portion of the original loan, you must maintain physical damage coverage to satisfy the loan requirements. Also, if your emergency fund is not enough to purchase a different vehicle if your current one is damaged, you should not opt for liability only.

Three reasons car insurance is important

Despite the fact that car insurance is not cheap in Scottsdale, buying car insurance serves several important purposes.

First, most states have minimum liability requirements which means it is punishable by state law to not carry specific limits of liability coverage in order to get the vehicle licensed. In Arizona these limits are 15/30/10 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.

Second, if you have a loan on your Saab 9-3, more than likely the lender will force you to have full coverage to guarantee payment of the loan. If you do not keep the policy in force, the bank may buy a policy for your Saab at an extremely high rate and force you to pay for the much more expensive policy.

Third, car insurance preserves your car and your assets. It will also cover all forms of medical expenses that are the result of an accident. Liability coverage, the one required by state law, will also pay for a defense attorney if you are sued as the result of your driving. If you receive damage to your vehicle caused by a storm or accident, comprehensive and collision coverage will cover the damage repairs after a deductible is paid.

The benefits of having insurance more than cancel out the cost, particularly for liability claims. As of last year, the average driver in Arizona overpays as much as $830 a year so compare rate quotes once a year at a minimum to save money.

What Determines Saab 9-3 Insurance Prices?

Many different elements are considered when you get your auto insurance bill. Some are pretty understandable like your driving record, although some other factors are more transparent like your continuous coverage and annual miles driven. Part of the insurance buying process is learning some of the factors that aid in calculating the level of your policy premiums. If you have a feel for what determines base rates, this allows you to make good choices that could result in much lower annual insurance costs.

• Where you call home factors in – Having an address in smaller towns and rural areas of the country has it’s advantages when trying to find low car insurance rates. Residents of big cities have much more traffic and a longer drive to work. Fewer drivers on the road corresponds to lower accident rates.
• Too many insurance claims and you’ll pay more – Companies in Arizona provide most affordable rates to drivers who only file infrequent claims. If you file claims often, you can look forward to either policy cancellation or increased premiums. Auto insurance is designed for major claims that would cause financial hardship.
• Drive less and save – Driving a lot of miles every year the more you’ll pay to insure it. The majority of insurers price each vehicle’s coverage based upon how the vehicle is primarily used. Cars and trucks left parked in the garage qualify for better rates than those that get driven frequently. It’s a good idea to make sure your insurance policy states the proper vehicle usage, because improper ratings can cost you money. An improperly rated 9-3 is throwing money out the window.
• Low deductibles cost more – Physical damage insurance, also known as collision and other-than-collision, covers damage that occurs to your Saab. Some examples of covered claims could be collision with another vehicle, damage caused by hail, or theft. Your deductibles represent how much money you are required to spend out-of-pocket before your insurance pays a claim. The higher the amount the insured has to pay upfront, the bigger discount you will receive.

• Costs are impacted by vehicle performance – The make and model of the car you are trying to find cheaper insurance for makes a substantial difference in your premium level. Lower performance four cylinder passenger cars usually have the lowest rates, but there are many factors that impact the final cost.

  The chart below is based on a married female driver age 20, full coverage with $100 deductibles, and no discounts or violations. It illustrates Saab 9-3 policy rates compared to other models of vehicles that have a range of performances.

• Insurance rates and age – Drivers with little experience tend to be inattentive with other occupants in the car so they pay higher insurance rates. Parents adding a youthful driver onto your insurance can really hurt. Older, more experienced drivers are viewed as being more responsible, statistically cause fewer accidents, and are safer drivers.

  The following chart is based on a single driver, full coverage with $250 deductibles, and no discounts or violations.

Your situation helps dictate your coverage

When it comes to buying proper insurance coverage, there really isn’t a “best” method to buy coverage. Your financial needs are unique.

For example, these questions may help you determine if your situation would benefit from an agent’s advice.

• Should I buy only the required Arizona minimum liability coverage?
• Am I insured when driving a different vehicle?
• What is high-risk coverage and where do I buy it?
• Does car insurance cover theft of personal property?
• Should I sign the liability waiver when renting a car?
• Is my cargo covered for damage or theft?
• Can I get by with minimal medical coverage if I have good health insurance?
• What does PIP insurance cover?

If you’re not sure about those questions, then you may want to think about talking to a licensed insurance agent. To find an agent in your area, take a second and complete this form.

How to find a good Arizona auto insurance company

Selecting the best insurance company can be difficult considering how many different companies insure vehicles in Scottsdale. The ranking information shown next may help you pick which car insurance providers to look at purchasing coverage from.

Top 10 Scottsdale Car Insurance Companies Ranked by Customer Satisfaction

1. Titan Insurance – 95%
2. USAA – 94%
3. AAA Insurance – 91%
4. State Farm – 90%
5. Nationwide – 90%
6. The Hartford – 89%
7. GEICO – 89%
8. The General – 88%
9. 21st Century – 88%
10. Liberty Mutual – 88%

Quote more and you will save more

Drivers who switch companies do it for a variety of reasons including not issuing a premium refund, an unsatisfactory settlement offer, being labeled a high risk driver or even extreme rates for teen drivers. Whatever your reason, finding a new insurance company is pretty simple and you could end up saving a buck or two.

As you restructure your insurance plan, make sure you don’t sacrifice coverage to reduce premiums. There are many occasions where an insured cut liability limits or collision coverage only to discover later they didn’t purchase enough coverage. The aim is to buy a smart amount of coverage for the lowest cost, but do not skimp to save money.

We’ve covered a lot of ways to save on Saab 9-3 insurance in Scottsdale. It’s most important to understand that the more providers you compare, the better your comparison will be. You may even find the most savings is with an unexpected company.

How to buy discount Saab 9-3 insurance in Scottsdale

If saving the most money is your goal, then the best way to get affordable car insurance rates in Scottsdale is to make a habit of comparing prices annually from insurers in Arizona. You can compare prices by following these guidelines.

1. Gain an understanding of how auto insurance works and the factors you can control to prevent expensive coverage. Many policy risk factors that are responsible for high rates like getting speeding tickets and poor credit history can be eliminated by paying attention to minor details.
2. Compare prices from direct, independent, and exclusive agents. Exclusive and direct companies can provide rates from a single company like GEICO or Allstate, while independent agencies can provide price quotes for a wide range of insurance providers.
3. Compare the quotes to your existing rates and determine if cheaper 9-3 coverage is available in Scottsdale. If you find a lower rate quote and decide to switch, make sure coverage is continuous and does not lapse.

One key aspect when comparing rates is to make sure you’re comparing the same liability limits and deductibles on each price quote and and to get price quotes from as many auto insurance providers as possible. This helps ensure an accurate price comparison and the best rate selection.

For more information, feel free to browse the articles below:

• Your Car has been Stolen: Now What? (Allstate)
• How Much are Auto Insurance Quotes for Retired Military in Scottsdale? (FAQ)
• Who Has Affordable Car Insurance Quotes for Low Mileage Drivers in Scottsdale? (FAQ)
• Who Has the Cheapest Scottsdale Auto Insurance Rates for Drivers with Good Credit? (FAQ)
• What Insurance is Cheapest for Postal Workers in Scottsdale? (FAQ)
• Who Has Affordable Auto Insurance Rates for Teachers in Scottsdale? (FAQ)
• Tools for Teen Driving Safety (State Farm)
• Car Insurance: When not to Skimp (BankRate.com)
• Auto Insurance Facts and Statistics (Insurance Information Institute)