Auto Insurance Quotes for a Saab 9-3 in Houston

Insurance for Saab 9-3There isn’t anyone who gets a kick out of paying for insurance, especially when they are paying too much.

Inconceivable but true, a large majority of consumers have been with the same company for well over three years, and about 40% of consumers have never even compared rates from other companies. Many drivers in Houston could save themselves 70% a year just by shopping around, but most just don’t grasp the large savings they would see if they changed companies. With consumers having so many different company options, it can be diffult for drivers to pick the right company.

It’s important to compare prices yearly because rates are usually higher with each renewal. If you had the lowest premium rates on Saab 9-3 insurance in Houston at your last renewal you can probably find a better price now. Forget anything you know (or think you know) about insurance because you’re about to learn the best methods to find the best coverage while lowering your premiums.

All the larger auto insurance companies such as Progressive, Allstate and GEICO give prices on their websites. Obtaining pricing for Saab 9-3 insurance in Houston is pretty painless as you simply type in your required coverages as detailed in the form. Behind the scenes, their rating system automatically retrieves your credit score and driving record and generates pricing information. The ability to get online rates for Saab 9-3 insurance in Houston makes comparing rates easy, and it’s also necessary to do this if you are searching for lower-cost prices.

To save time and find out if lower rates are available, take a look at the companies shown below. If you have coverage now, it’s recommended you type in the coverage information just like they are on your policy. This ensures you will have rate comparison quotes for the exact same coverage.

The companies shown below are ready to provide free rate quotes in Texas. If more than one company is shown, we suggest you get rates from several of them in order to get a fair rate comparison.

Saab 9-3 Insurance Rates in Houston, TX
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
9-3 2.0T 4-Dr Sedan $356 $788 $422 $24 $126 $1,716 $143
9-3 2.0T Station Wagon $198 $416 $422 $24 $126 $1,186 $99
9-3 2.0T XWD 4-Dr Sedan $264 $542 $392 $24 $118 $1,340 $112
9-3 Aero 4-Dr Sedan $422 $672 $424 $26 $128 $1,672 $139
9-3 2.0T 2-Dr Convertible $176 $352 $358 $22 $108 $1,016 $85
9-3 2.0T XWD Station Wagon $322 $682 $310 $18 $94 $1,426 $119
9-3 Aero Station Wagon $258 $560 $366 $22 $110 $1,316 $110
9-3 Aero XWD 4-Dr Sedan $220 $478 $422 $24 $126 $1,270 $106
9-3 Aero 2-Dr Convertible $322 $602 $388 $24 $116 $1,452 $121
Get Your Own Custom Quote Go

Data assumes married female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Texas minimum liability limits. Discounts applied include claim-free, safe-driver, multi-policy, homeowner, and multi-vehicle. Estimates do not factor in the specific area where the vehicle is garaged which can alter auto insurance rates considerably.

Full coverage rates vs. liability-only in Houston

The information below illustrates the difference between Saab 9-3 car insurance costs with full physical damage coverage compared to only buying the minimum liability limits required in Texas. The premiums are based on no driving violations, no at-fault accidents, $100 deductibles, married male driver, and no discounts are factored in.

When to stop paying for full coverage

There is no exact formula of when to eliminate comprehensive and collision coverage on your policy, but there is a broad guideline. If the annual cost of having full coverage is more than 10% of any settlement you would receive from your insurance company, then you may want to consider only buying liability coverage.

For example, let’s say your Saab 9-3 replacement cost is $4,000 and you have $1,000 full coverage deductibles. If your vehicle is destroyed, you would only receive $3,000 after the deductible is paid. If you are currently paying more than $300 annually to have full coverage, then it might be time to buy liability only.

There are some cases where removing full coverage is not a good plan. If you haven’t paid off your loan, you have to carry full coverage to protect the lienholder’s interest in the vehicle. Also, if your finances do not allow you to purchase a different vehicle if your current one is damaged, you should keep full coverage.

Policy deductible comparison

When comparing auto insurance rates, the most common question is how high or low should comp and collision deductibles be. The rates shown below may aid in understanding the rate difference between high and low physical damage coverage deductibles. The first rate comparisons uses a $250 deductible and the second price chart 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 $332 $584 $324 $20 $96 $1,381 $115
9-3 2.0T Station Wagon $332 $584 $324 $20 $96 $1,381 $115
9-3 2.0T XWD 4-Dr Sedan $332 $584 $324 $20 $96 $1,381 $115
9-3 Aero 4-Dr Sedan $370 $672 $324 $20 $96 $1,507 $126
9-3 2.0T 2-Dr Convertible $370 $672 $382 $22 $114 $1,585 $132
9-3 2.0T XWD Station Wagon $370 $672 $324 $20 $96 $1,507 $126
9-3 Aero Station Wagon $370 $672 $324 $20 $96 $1,507 $126
9-3 Aero XWD 4-Dr Sedan $370 $672 $324 $20 $96 $1,507 $126
9-3 Aero 2-Dr Convertible $408 $762 $382 $22 $114 $1,713 $143
Get Your Own Custom Quote Go

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 $270 $472 $324 $20 $96 $1,182 $99
9-3 2.0T Station Wagon $270 $472 $324 $20 $96 $1,182 $99
9-3 2.0T XWD 4-Dr Sedan $270 $472 $324 $20 $96 $1,182 $99
9-3 Aero 4-Dr Sedan $300 $542 $324 $20 $96 $1,282 $107
9-3 2.0T 2-Dr Convertible $300 $542 $382 $22 $114 $1,360 $113
9-3 2.0T XWD Station Wagon $300 $542 $324 $20 $96 $1,282 $107
9-3 Aero Station Wagon $300 $542 $324 $20 $96 $1,282 $107
9-3 Aero XWD 4-Dr Sedan $300 $542 $324 $20 $96 $1,282 $107
9-3 Aero 2-Dr Convertible $332 $614 $382 $22 $114 $1,464 $122
Get Your Own Custom Quote Go

Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include safe-driver, multi-policy, multi-vehicle, claim-free, and homeowner. Price estimates do not factor in the specific area where the vehicle is garaged which can increase or decrease prices considerably.

Based on this data, we can arrive at the conclusion that using a $250 deductible will cost you about $18 more each month or $216 every year than selecting the higher $500 deductible. Since you would have to pay $250 more out of your own pocket with a $500 deductible as compared to a $250 deductible, if you average more than 14 months between claims, you would probably be better off if you elect the higher deductible.

How to determine if higher deductibles are a good idea

Average monthly premium for $250 deductibles: $125
Average monthly premium for $500 deductibles (subtract): – $107
Monthly savings from raising deductible: $18
Difference between deductibles ($500 – $250): $250
Divide difference by monthly savings: $250 / $18
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 14 months

One thing to be aware of is that raising deductibles to get cheaper rates results in a higher out-of-pocket expense when you have a claim. That will force you to have some extra savings in order to pay the higher deductible.

Policy deductibles

The example below shows how different deductible levels and can raise or lower Saab 9-3 premium costs for different ages of insureds. The premiums are based on a single female driver, comprehensive and collision coverage, and no discounts are applied.

Choosing the best Saab 9-3 insurance in Texas is an important decision

Even though Houston 9-3 insurance rates can get expensive, maintaining insurance is a good idea for several reasons.

The benefits of carrying enough insurance outweigh the cost, especially for larger claims. Despite what companies tell you, the average driver is overpaying more than $700 annually so compare quotes from several companies every year to make sure the price is not too high.

The Saab 9-3 Insurance Price Equation

The best way to find cheaper insurance is to take a look at some of the factors that aid in calculating your premiums. If you have some idea of what positively or negatively impacts your premiums, this allows you to make educated decisions that could help you find lower premium levels. Many different elements are considered when pricing auto insurance. Some are pretty understandable like an MVR report, although others are more obscure such as your marital status or your financial responsibility.

The itemized list below are just a few of the factors used by your company to calculate prices.

Insurance policy discounts you can’t miss

Insurance is not an enjoyable expense, but you may be missing some discounts that you may not even know about. Larger premium reductions will be automatically applied when you purchase, but lesser-known reductions have to be specially asked for before you will receive the discount. If you do not check that you are getting every discount possible, you may be paying too high a price.Save money with discounts

It’s important to understand that some credits don’t apply to the entire cost. A few only apply to the price of certain insurance coverages like comp or med pay. So even though they make it sound like having all the discounts means you get insurance for free, you aren’t that lucky.

Some of the larger companies that may offer quotes with these benefits possibly include:

Check with every company which credits you are entitled to. Some discounts listed above may not be available in every state.

There’s no such thing as the perfect auto insurance policy

When it comes to insurance from an agent or online for your vehicles, there really is not a one size fits all plan. Every situation is different.Safe vehicles cost less to insure

For example, these questions could help you determine if you may require specific advice.

If you don’t know the answers to these questions but you know they apply to you, you may need to chat with an insurance agent. If you want to speak to an agent in your area, simply complete this short form. It’s fast, free and can provide invaluable advice.

Shop online but buy locally

Certain consumers just prefer to buy from a local agent and that is recommended in a lot of cases Most agents will help you protect your assets and give you someone to call. An additional benefit of comparing rate quotes online is that you can find better rates and still have a local agent. And providing support for small agencies is definitely important in Houston.

Insurance agents in HoustonUpon completion of this short form, your information is emailed to insurance agents in Houston who can give free rate quotes for your business. It makes it easy because there is no need to contact any insurance agencies since rate quotes are delivered to you instantly. If you have a need to compare prices from a specific company, don’t hesitate to jump over to their website and submit a quote form there.

Pick the best auto insurance agent in Houston for you

When researching a local Houston insurance agency, you must know there are a couple types of insurance agents and how they operate. Insurance agents in Houston are categorized either independent or exclusive. Both can insure your vehicles, but it is a good idea to know how they differ since it could factor into which type of agent you select.

Independent Agencies or Brokers

Independent agents do not have single company limitations and that allows them to write policies with a variety of different insurance companies and find you cheaper rates. If they find a lower price, they simply switch companies in-house which requires no work on your part. When comparison shopping, we highly recommend that you include multiple independent agents for the best price selection.

Featured below is a partial list of independent insurance agencies in Houston who may provide free price quotes.

6750 West Loop S #430Bellaire, TX 77401(713) 750-9000View Map

#100, 3120 SW Freeway Service RdHouston, TX 77098(713) 520-1090View Map

702 W Sam Houston Pkwy SHouston, TX 77042(713) 914-0354View Map

View more Houston agents

Exclusive Insurance Agents

Exclusive agents can only place business with one company and examples are Farmers Insurance and State Farm. They are unable to compare rates from other companies so you need to shop around if the rates are high. Exclusive agents are trained well on their company’s products and that enables them to sell even at higher rates.

Shown below are exclusive insurance agencies in Houston that are able to give rate quotes.

7035 Hwy 6 NHouston, TX 77095(281) 550-0555View Map

7710 Cherry Park Dr dHouston, TX 77095(281) 550-0333View Map

12941 North Fwy #608Houston, TX 77060(281) 537-7890View Map

View more Houston agents

Deciding on an insurance agency requires you to look at more than just a cheap price. Below are some questions you should ask.

Don’t give up on cheaper rates

People change insurance companies for many reasons like high prices, delays in paying claims, questionable increases in premium and not issuing a premium refund. Regardless of your reason, switching insurance companies can be easier than you think.

When you buy Houston car insurance online, it’s very important that you do not reduce coverage to reduce premium. In too many instances, someone sacrificed physical damage coverage only to discover later that a couple dollars of savings turned into a financial nightmare. Your focus should be to buy enough coverage at the best possible price but still have enough coverage for asset protection.

Cost effective Saab 9-3 insurance can be found online as well as from independent agents in Houston, and you should compare price quotes from both to get a complete price analysis. Some insurance companies may not provide online price quotes and usually these smaller providers work with independent agents.

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