Finding cheaper insurance for a Saab 9-3 in Georgia can be a painful process, but you can learn a few tricks to make it easier. There are both good and bad ways to buy auto insurance and we'll show you the absolute fastest way to quote coverages for a new or used Saab and obtain the lowest price either online or from Atlanta insurance agents.
Regrettably, a large majority of drivers kept their policy with the same company for a minimum of four years, and approximately 40% of consumers have never compared rates from other carriers. Many consumers in America could pocket $850 a year by just comparing quotes, but they don't want to take the time to compare other rate quotes.
Consumers need to shop coverage around yearly due to the fact that insurance prices are constantly changing. Just because you had the best rates on Saab 9-3 insurance in Atlanta on your last policy a different company probably has better rate quotes today. Block out anything you think you know about auto insurance because you're about to find out the fastest and easiest way to properly buy coverages while reducing your premium.
The majority of larger companies allow you to get coverage prices on their websites. This process is possible for anyone because it's just a matter of typing in the coverage amounts you desire as requested by the quote form. Once entered, the quote system will obtain your driving record and credit report and generates a price.
Getting online quotes for Saab 9-3 insurance in Atlanta makes it easy to compare insurance prices and it is important to get many rate quotes in order to get the lowest payment possible.
To find out how much you can save on auto insurance, check out the auto insurance providers below. If you currently have coverage, we recommend you type in the insurance coverages just like they are on your policy. Doing this guarantees you are getting rate quotes based on the exact same insurance coverage.
The companies in the list below offer price quotes in Georgia. If the list has multiple companies, we recommend you visit two to three different companies to get the most competitive price.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|9-3 2.0T 4-Dr Sedan||$296||$622||$378||$22||$114||$1,432||$119|
|9-3 2.0T Station Wagon||$240||$476||$352||$20||$106||$1,194||$100|
|9-3 2.0T XWD 4-Dr Sedan||$318||$486||$438||$26||$132||$1,400||$117|
|9-3 Aero 4-Dr Sedan||$298||$590||$322||$18||$96||$1,324||$110|
|9-3 2.0T 2-Dr Convertible||$182||$362||$370||$22||$110||$1,046||$87|
|9-3 2.0T XWD Station Wagon||$436||$694||$438||$26||$132||$1,726||$144|
|9-3 Aero Station Wagon||$302||$550||$342||$20||$102||$1,316||$110|
|9-3 Aero XWD 4-Dr Sedan||$328||$688||$314||$18||$94||$1,442||$120|
|9-3 Aero 2-Dr Convertible||$460||$1080||$476||$28||$142||$2,186||$182|
|Get Your Own Custom Quote Go|
Table data represents single male driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Georgia minimum liability limits. Discounts applied include homeowner, multi-vehicle, claim-free, safe-driver, and multi-policy. Rate quotes do not factor in zip code location which can impact auto insurance rates greatly.
Difference between full coverage and liability only rates
The chart below shows the difference between Saab 9-3 auto insurance costs with and without full coverage. The data assumes a clean driving record, no at-fault accidents, $1,000 deductibles, married female driver, and no discounts are taken into consideration.
When to stop paying for full coverage
There is no written rule to eliminate comp and collision coverage, but there is a broad guideline. If the annual cost of your full coverage insurance is more than around 10% of replacement cost minus your deductible, then it's probably a good time to buy liability coverage only.
For example, let's assume your Saab 9-3 replacement value is $9,000 and you have $1,000 physical damage deductibles. If your vehicle is damaged in an accident, the most you would get paid by your company is $8,000 after the deductible is paid. If you are paying more than $800 annually for your policy with full coverage, then you might want to consider buying only liability coverage.
There are some situations where eliminating full coverage is not recommended. If you haven't satisfied your loan, you must maintain physical damage coverage in order to prevent your loan from defaulting. Also, if you cannot afford to purchase a different vehicle if your current one is totaled, you should keep full coverage.
Saab 9-3 insurance rates by age and gender
The chart below illustrates the difference between Saab 9-3 insurance rates for male and female drivers. The rate quotes are based on a clean driving record, no at-fault accidents, comp and collision included, $1,000 deductibles, drivers are single, and no discounts are factored in.
Where to set your deductibles
The diagram below highlights how deductible selection and can impact Saab 9-3 yearly insurance costs for each age group. The premium estimates are based on a married male driver, comprehensive and collision coverage, and no discounts are applied to the premium.
Insuring your vehicle just makes sense
Despite the high insurance cost for a Saab 9-3 in Atlanta, auto insurance serves several important purposes.
First, the majority of states have compulsory liability insurance requirements which means you are required to carry a specific minimum amount of liability in order to be legal. In Georgia these limits are 25/50/25 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
Second, if you took out a loan on your 9-3, almost all lenders will stipulate that you have comprehensive coverage to guarantee their interest in the vehicle. If you default on your policy, the lender will be forced to insure your Saab for a much higher rate and make you pay for the much more expensive policy.
Third, auto insurance preserves both your car and your personal assets. It will also cover medical expenses that are the result of an accident. One of the most valuable coverages, liability insurance, will also pay attorney fees if someone files suit against you as the result of an accident. If your Saab gets damaged, comprehensive (other-than-collision) and collision coverage will cover the damage repairs after a deductible is paid.
The benefits of insuring your car definitely exceed the price paid, particularly for liability claims. The average driver in Georgia overpays more than $820 a year so it's important to compare rates each time the policy renews to be sure current rates are still competitive.
The Saab 9-3 Insurance Premium Equation
Lots of factors are taken into consideration when quoting car insurance. A few of the factors are predictable such as your driving record, although some other factors are not quite as obvious like your vehicle usage or your financial responsibility.
The list below includes most of the major factors that factor into your prices.
Don't cut corners with liability protection - Liability insurance kicks in when you are responsible for an accident. Liability insurance provides for a legal defense to attempt to prove you were not liable. This coverage is relatively inexpensive when compared with rates for comp and collision, so drivers should carry high limits.
Expect high rates for teens - Older, more experienced drivers are viewed as being more responsible, tend to file fewer claims, and are safer drivers.Inexperience drivers are statistically shown to be easily distracted behind the wheel and because of this, their insurance rates are much higher.
Do you know your coverage deductibles? - Your deductibles define how much you are required to pay in the event of a claim. Physical damage protection, also called 'full coverage', is used to repair damage to your car. Some examples of claims that would be covered would be colliding with a stationary object, animal collisions, and damage caused by road hazards. The more of the claim the insured is willing to pay, the lower your rates will be.
Remove unneeded extra policy coverages - Policies have extra bells and whistles that you can buy if you aren't diligent. Coverages like roadside assistance, death and dismemberment, and membership fees may not be needed and are just wasting money. These coverages may sound good when discussing your needs, but your money might be better spent on other coverage so get rid of them and save.
Cheap Saab 9-3 insurance rates in Atlanta
Car insurance is expensive, but there's a good chance there are discounts that can drop the cost substantially. Some trigger automatically when you purchase, but lesser-known reductions have to be requested specifically prior to receiving the credit. If you do not check that you are getting every discount you qualify for, you could be paying more than you need to.
- Pay Now and Pay Less - If paying your policy premium upfront instead of paying each month you can avoid monthly service charges.
- Discounts for Federal Employees - Federal government employees may reduce rates when you quote Atlanta car insurance with select insurance companies.
- Smart Student Discounts - Maintaining excellent grades can earn a discount of 20% or more. Many companies even apply the discount to college students until age 25.
- Discount for Life Insurance - Some companies give a break if you buy life insurance from them.
- Homeowners Savings - Just owning your own home can save you money because owning a home is proof of financial responsibility.
- Discounts for Seat Belt Usage - Drivers who always wear seat belts and also require passengers to fasten their seat belts could save 15% off PIP or medical payments premium.
- Passive Restraint Discount - Cars that have air bags and/or automatic seat belt systems may qualify for discounts up to 30%.
- Sign Online - A few larger online companies may give you up to $50 get Atlanta car insurance digitally online.
- Save over 55 - Older drivers may qualify for lower premium rates.
It's important to understand that some of the credits will not apply to your bottom line cost. Most only cut individual premiums such as physical damage coverage or medical payments. Despite the appearance that you can get free auto insurance, you won't be that lucky.
Popular car insurance companies and some of the discounts are:
- American Family offers discounts including TimeAway discount, accident-free, good driver, early bird, air bags, and multi-vehicle.
- State Farm discounts include Drive Safe & Save, Steer Clear safe driver discount, defensive driving training, good driver, safe vehicle, good student, and passive restraint.
- 21st Century may include discounts for homeowners, early bird, teen driver, 55 and older, driver training, and defensive driver.
- Travelers may have discounts that include multi-car, save driver, multi-policy, hybrid/electric vehicle, continuous insurance, good student, and IntelliDrive.
- GEICO has savings for anti-lock brakes, multi-vehicle, anti-theft, good student, and defensive driver.
When getting a coverage quote, ask all companies you are considering which discounts you may be entitled to. Some discounts listed above may not be offered in your state. If you would like to view car insurance companies that offer many of these discounts in Georgia, click here to view.
What insurance coverages do I need?
When selecting the best car insurance coverage for your vehicles, there really is not a perfect coverage plan. Everyone's situation is a little different.
These are some specific questions may help highlight whether you will benefit from professional help.
- Am I covered if I back into my garage door?
- When should I have rental car coverage?
- Where can I find high-risk insurance?
- When does my teenage driver need to be added to my policy?
- Should I sign the liability waiver when renting a car?
- What exactly is covered by my policy?
- What is medical payments coverage?
- Can I rent a car in Mexico?
- Do all my vehicles need collision coverage?
If it's difficult to answer those questions, then you may want to think about talking to a licensed agent. To find an agent in your area, fill out this quick form. It only takes a few minutes and you can get the answers you need.
Local Atlanta insurance agencies and insurance
A small number of people still like to go talk to an agent and that is just fine! Agents are very good at helping people manage risk and help file insurance claims. The biggest benefit of price shopping on the web is you may find better rates and also buy local.
By using this form (opens in new window), your coverage information is transmitted to companies in Atlanta that provide free Atlanta car insurance quotes for your coverage. You don't have to do any legwork because quoted prices will be sent directly to you. In the event you want to compare prices for a specific company, just jump over to their website and give them your coverage information.
Picking the best provider needs to be determined by more than just a cheap quote. Below are some questions you should ask.
- Will they take your side in the event of a claim?
- Will a damage claim use OEM or aftermarket replacement parts?
- What are the financial ratings for the companies they represent?
- Did they already check your driving record and credit reports?
- Are there any discounts for paying up front?
If you want to buy insurance from a reliable insurance agency, it can be helpful to understand the different types of agencies and how they differ in how they quote coverages. Insurance policy providers can be described as either exclusive or independent agents depending on their company appointments. Either type can insure your vehicles, but it's worth mentioning the subtle differences because it can impact your agent selection.
Exclusive agents normally can only provide a single company's rates like State Farm, AAA, Farmers Insurance or Allstate. Exclusive agencies are unable to compare other company's rates so always compare other rates. Exclusive agents receive extensive training on sales techniques and that can be a competitive advantage. Many people choose to use a exclusive agent mainly due to the brand rather than low price.
Shown below are Atlanta exclusive agencies who may provide you with rate quotes.
- Danny Gibson State Farm Insurance Agent
215 Piedmont Ave NE #1 - Atlanta, GA 30308 - (404) 524-2292 - View Map
- Dale Massey - State Farm Insurance Agent
4605 Roswell Rd NE - Atlanta, GA 30342 - (404) 257-8880 - View Map
- Cleo Meyer - State Farm Insurance Agent
1776 Peachtree St NE #346s - Atlanta, GA 30309 - (404) 817-0960 - View Map
Independent Insurance Agents
These agents do not write with just one company and that allows them to write policies with a variety of different insurance companies and find the cheapest insurance rates. To transfer your coverage to a different company, they simply switch companies in-house and the insured can keep the same agent. If you are comparing rate quotes, you will want to include price quotes from independent agents to have the most options to choose from. Most also write with smaller regional carriers which could offer lower prices.
Shown below is a list of independent insurance agencies in Atlanta that are able to give comparison quotes.
- Perimeter Insurance Agency
5855 Buford Hwy NE # E - Atlanta, GA 30340 - (770) 452-8881 - View Map
- Mack Insurance Agency, Inc.
530 Joseph E Lowery Blvd SW A - Atlanta, GA 30310 - (470) 771-3398 - View Map
- PointeNorth Insurance Group
1100 Cir 75 Pkwy SE #140 - Atlanta, GA 30339 - (800) 634-2903 - View Map
Be persistent and save
You just learned some good ideas how to get a better price on Saab 9-3 insurance in Atlanta. The most important thing to understand is the more times you quote, the higher your chance of finding low cost Atlanta car insurance quotes. Consumers could even find that the best rates are with a lesser-known regional company.
People change insurance companies for a variety of reasons including high rates after DUI convictions, being labeled a high risk driver, high prices or even poor customer service. Regardless of your reason for switching companies, finding the right auto insurance provider is actually quite simple.
As you restructure your insurance plan, it's very important that you do not buy lower coverage limits just to save a few bucks. There are a lot of situations where an insured cut liability coverage limits only to regret that the small savings ended up costing them much more. Your goal should be to purchase plenty of coverage at the best cost.
Much more information about auto insurance in Georgia is available at the links below
- New vehicle ratings focus on headlights (Insurance Institute for Highway Safety)
- Who Has Affordable Atlanta Auto Insurance Rates for a Toyota Tacoma? (FAQ)
- Who Has Cheap Atlanta Auto Insurance Quotes for 18 Year Olds? (FAQ)
- Who Has Cheap Atlanta Car Insurance Rates for a Toyota Highlander? (FAQ)
- Who Has Cheap Atlanta Car Insurance Quotes for Seniors? (FAQ)
- Who Has the Cheapest Atlanta Auto Insurance Quotes for Retired Military? (FAQ)
- Warning systems don't curb driver distraction (Insurance Institute for Highway Safety)
- Auto Insurance Basics (Insurance Information Institute)
- If I File a Claim will My Insurance Go Up? (Insurance Information Institute)
- Airbag FAQ (iihs.org)