Car Insurance Quotes for a Saab 9-5 in San Antonio

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Insurance rates Saab 9-5 in San AntonioShopping for the lowest cost San Antonio Saab 9-5 insurance quotes on the web can be problematic for consumers who are beginners to quoting and price shopping on the web. With a ridiculous number of insurers available, how are we expected to have the ability to compare each option to find the lowest rates?

It's a known fact that insurance companies don't want you to look for a cheaper policy. People who shop around for cheaper rates are highly likely to switch to a new company because there is a significant possibility of finding a cheaper policy. Surprisingly, a recent survey revealed that drivers who compared rates regularly saved $860 a year compared to policyholders who never compared rates.

If finding the lowest rates on Saab 9-5 insurance in San Antonio is the reason you're reading this, then having a good understanding the best way to shop and compare coverages can make it easier for you to save money.

When comparing insurance rates, know that comparing more quotes helps increase your odds of locating more affordable rates.

The following companies provide quotes in San Antonio, TX. If the list has multiple companies, it's highly recommended you visit several of them to get the cheapest price.

Saab 9-5 insurance coverage information

The table displayed below showcases detailed analysis of insurance prices for Saab 9-5 models. Learning as much as possible about how auto insurance policy rates are figured can help guide drivers when making decisions on which insurance to purchase.

Saab 9-5 Insurance Rates in San Antonio, TX
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
9-5 Aero XWD 4-Dr Sedan $400 $876 $462 $28 $138 $1,904 $159
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Data based on single male driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Texas minimum liability limits. Discounts applied include multi-vehicle, safe-driver, multi-policy, claim-free, and homeowner. Rates do not factor in garaging location in San Antonio which can change rates substantially.

Rate comparison for different deductibles

One common question asked by San Antonio drivers is how high should the physical damage coverage deductibles be. The premium rates below may help you to understand the rate differences of buying low and high comp and collision deductibles. The first rate table uses a $100 deductible for comp and collision and the second data table uses a $500 deductible.

Saab 9-5 insurance policy rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
9-5 Aero XWD 4-Dr Sedan $454 $908 $382 $22 $114 $1,905 $159
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Saab 9-5 insurance policy rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
9-5 Aero XWD 4-Dr Sedan $332 $614 $382 $22 $114 $1,464 $122
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Prices 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, homeowner, claim-free, and multi-vehicle. Premium amounts do not factor in the specific area where the vehicle is garaged which can raise or lower auto insurance rates noticeably.

Based on the data above, we can derive that using a $100 deductible will cost you roughly $37 more each month or $444 for a full year across all Saab 9-5 models than buying the higher $500 deductible. Since you would have to pay $400 more out-of-pocket with a $500 deductible as compared to a $100 deductible, if you tend to go at a minimum 11 months between claim filings, you would come out ahead if you elect the higher deductible. Here is a better example of how we made this calculation.

Average monthly premium for $100 deductibles: $159
Average monthly premium for $500 deductibles (subtract): - $122
Monthly savings from raising deductible: $37
Difference between deductibles ($500 - $100): $400
Divide difference by monthly savings: $400 / $37
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 11 months

One important issue to know is that a higher deductible results in more money out-of-pocket when you have a physical damage claim. That will necessitate enough money in the bank in the event you have to pay the deductible for vehicle repair.

Rate difference between full and liability-only coverage

The illustration below illustrates the difference between Saab 9-5 insurance prices with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The information is based on no claims or driving citations, $500 deductibles, marital status is single, and no discounts are applied to the premium.

Are you wasting money on full coverage?

There is no definitive guideline of when to eliminate physical damage coverage, but there is a general guideline. If the annual cost of coverage is about 10% or more of the vehicle's replacement cost less your deductible, then it may be the right time to buy liability only.

For example, let's assume your Saab 9-5 claim settlement value is $4,000 and you have $1,000 full coverage deductibles. If your vehicle is totaled in an accident, the most you would get paid by your company is $3,000 after the deductible is paid. If you are paying in excess of $300 a year for full coverage, then it might be time to consider dropping full coverage.

There are some situations where only buying liability is not recommended. If you still owe money on your vehicle, you must maintain physical damage coverage to protect the lienholder's interest. Also, if you can't afford to buy a different vehicle if your current one is in an accident, you should not opt for liability only.

Discounts for lower-cost insurance rates

Companies that sell car insurance don't always list their entire list of discounts in a way that's easy to find, so below is a list a few of the more well known as well as some of the hidden discounts you could be receiving when you buy San Antonio auto insurance online.Insurance discounts

  • Drive Safe and Save - Drivers who don't get into accidents could pay up to 40% less as compared to drivers with claims.
  • Early Signing - Some insurance companies give discounts for switching to them early. It could save around 10% when you buy San Antonio auto insurance online.
  • Driver's Education for Students - It's a good idea to have your young drivers complete a driver education course in high school.
  • Government Employees - Active or former government employment may reduce rates when you quote San Antonio auto insurance with a few insurance companies.
  • Safety Restraint Discount - Buckling up and requiring all passengers to use their safety belts can save 10% or more off PIP or medical payments premium.
  • Defensive Driver Discount - Successfully completing a course that instructs on driving safety is a good idea and can lower rates and easily recoup the cost of the course.
  • Payment Discounts - If you pay your entire premium ahead of time rather than spreading payments over time you could save 5% or more.

Don't be surprised that most credits do not apply to all coverage premiums. The majority will only reduce the price of certain insurance coverages like physical damage coverage or medical payments. Just because it seems like all those discounts means the company will pay you, you're out of luck.

The diagram below illustrates the difference between Saab 9-5 insurance costs with and without policy discounts. The rate quotes are based on a female driver, a clean driving record, no claims, Texas state minimum liability limits, comp and collision included, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, multi-policy, multi-car, safe-driver, homeowner, and claim-free discounts applied.

A partial list of companies that have some of the discounts shown above possibly include:

Double check with all the companies how you can save money. Some of the earlier mentioned discounts might not be offered on policies in San Antonio. To view companies that offer the discounts shown above in San Antonio, click here to view.

Car insurance is an important decision

Despite the high cost, paying for car insurance serves an important purpose.

  • Most states have mandatory insurance requirements which means you are required to buy specific limits of liability coverage if you want to drive legally. In Texas these limits are 30/60/25 which means you must have $30,000 of bodily injury coverage per person, $60,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
  • If you took out a loan on your 9-5, almost all lenders will force you to have comprehensive coverage to protect their interest in the vehicle. If the policy lapses, the bank or lender will purchase a policy for your Saab at a significantly higher premium and force you to pay the higher price.
  • Car insurance protects your vehicle and your assets. It will also provide coverage for all forms of medical expenses for you, any passengers, and anyone injured in an accident. Liability coverage, the one required by state law, will also pay attorney fees if you are named as a defendant in an auto accident. If your Saab gets damaged, your car insurance policy will pay to repair the damage.

The benefits of having insurance are definitely more than the cost, particularly if you ever have a claim. On average, a vehicle owner in San Antonio is overpaying more than $820 a year so it's important to compare rates at every renewal to help ensure money is not being wasted.

Different people need different car insurance coverages

When it comes to choosing your policy, there really is not a single plan that fits everyone. Everyone's situation is a little different.Car insurance savings

Here are some questions about coverages that might help in determining whether your personal situation may require specific advice.

  • Are combined or split liability limits better?
  • Is other people's property covered if stolen from my vehicle?
  • I don't drive much so do I pay less?
  • Am I covered when driving in Canada or Mexico?
  • I have health insurance so do I need medical payments coverage?
  • When should I have rental car coverage?

If you don't know the answers to these questions, you may need to chat with a licensed agent. To find an agent in your area, simply complete this short form.

Compare prices but work with a local San Antonio insurance agent

Some people just want to visit with an insurance agent and we recommend doing that One of the great benefits of getting online price quotes is that you can find the lowest rates and still buy from a local agent.

Upon completion of this simple form, your insurance data is sent to insurance agents in San Antonio who can give free rate quotes for your coverage. You never need to contact any agents because prices are sent to you. You can find lower rates without requiring a lot of work. If you need to compare rates from a specific insurance provider, you can always jump over to their website and submit a quote form there.

Deciding on an insurer should include more criteria than just a cheap price quote. Any good agent in San Antonio should know the answers to these questions.

  • Will they make sure you get an adequate claim settlement?
  • How many years of experience in personal auto insurance do they have?
  • Can you contact them at any time?
  • Is the agent CPCU or CIC certified?
  • If they are an independent agency in San Antonio, which companies do they recommend?
  • Do they carry Errors and Omissions coverage?

If you are searching for a local San Antonio insurance agency, you must know there are a couple types of insurance agents and how they operate. Insurance agents can be categorized as either exclusive or independent.

Exclusive Insurance Agents

These agents are contracted to one company and some examples include Allstate, State Farm and Farmers Insurance. Exclusive agents cannot place coverage with different providers so they really need to provide good service. These agents are highly trained on what they offer which helps overcome the inability to quote other rates. Some people will only buy from exclusive agents primarily because of high brand loyalty instead of buying on price only.

Listed below is a short list of exclusive insurance agents in San Antonio who may provide you with comparison quotes.

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Independent Insurance Agencies

These agents often have affiliation with several companies and that enables them to quote your coverage with an assortment of companies enabling the ability to shop coverage around. If prices rise, an independent agent can move your coverage and the insured can keep the same agent. When comparing rates, it's a good idea to include several independent agencies for the best price selection. Most can insure with mutual insurance companies that can offer cheaper rates than bigger companies.

The following is a short list of independent insurance agencies in San Antonio who can help you get comparison quotes.

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Once you have received positive feedback to all your questions as well as an affordable premium quote, you have narrowed it down to an insurance agent that is professional and can insure your vehicles.