It’s well known that auto insurance companies don’t want you quoting rates from other companies. Drivers who compare rates at least once a year are very likely to buy a new policy because there is a good probability of finding a policy with more affordable rates. Surprisingly, a recent survey revealed that consumers who compared rate quotes regularly saved an average of $3,500 over four years as compared to drivers who don’t make a habit of comparing rates.
If finding discount rates on insurance is why you’re reading this, then having a good understanding how to quote prices and compare coverage rates can help make the process easier.
The best way we recommend to find low-cost Saab 9-3 insurance is to start comparing prices yearly from different companies who provide auto insurance in Detroit. Rate comparisons can be done by following these steps.
- Take a few minutes and learn about auto insurance and the measures you can take to keep rates low. Many policy risk factors that cause rate increases like your driving record and an imperfect credit score can be controlled by making minor changes to your lifestyle. Continue reading for additional tips to get cheaper coverage and find additional discounts.
- Quote rates from exclusive agents, independent agents, and direct providers. Exclusive agents and direct companies can only give rate quotes from one company like GEICO and Allstate, while agents who are independent can give you price quotes from many different companies. Find a Detroit insurance agent
- Compare the quotes to your current policy and see if there is a cheaper rate in Detroit. If you can save money and make a switch, make sure the effective date of the new policy is the same as the expiration date of the old one.
- Tell your current company to cancel your current car insurance policy and submit payment and a completed application to your new carrier. As soon as you have the new policy, keep your new certificate of insurance with the vehicle registration.
One key aspect when comparing rates is to use the same deductibles and limits on each quote and and to get price estimates from as many car insurance companies as possible. This enables an apples-to-apples comparison and the most accurate and complete price analysis.
Best companies for Saab 9-3 insurance
The providers in the list below offer comparison quotes in Detroit, MI. To locate the best cheap car insurance in Detroit, we suggest you visit two to three different companies in order to find the lowest rates.
Saab 9-3 insurance rates and statistics
The rate table displayed below highlights a range of policy rates for Saab 9-3 models. Understanding more about how policy premiums are calculated can help guide drivers when making smart choices when selecting a coverage provider.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| 9-3 2.0T 4-Dr Sedan | $764 | $1264 | $768 | $46 | $230 | $3,072 | $256 |
| 9-3 2.0T Station Wagon | $764 | $1264 | $768 | $46 | $230 | $3,072 | $256 |
| 9-3 2.0T XWD 4-Dr Sedan | $764 | $1264 | $768 | $46 | $230 | $3,072 | $256 |
| 9-3 Aero 4-Dr Sedan | $852 | $1456 | $768 | $46 | $230 | $3,352 | $279 |
| 9-3 2.0T 2-Dr Convertible | $852 | $1456 | $904 | $54 | $270 | $3,536 | $295 |
| 9-3 2.0T XWD Station Wagon | $852 | $1456 | $768 | $46 | $230 | $3,352 | $279 |
| 9-3 Aero Station Wagon | $852 | $1456 | $768 | $46 | $230 | $3,352 | $279 |
| 9-3 Aero XWD 4-Dr Sedan | $852 | $1456 | $768 | $46 | $230 | $3,352 | $279 |
| 9-3 Aero 2-Dr Convertible | $938 | $1646 | $904 | $54 | $270 | $3,812 | $318 |
| Get Your Own Custom Quote Go | |||||||
Premium data assumes single male driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Michigan minimum liability limits. Discounts applied include multi-vehicle, multi-policy, safe-driver, claim-free, and homeowner. Premium amounts do not factor in zip code location which can change price quotes substantially.
Deductible comparison
When shopping for insurance, a common question is how high or low should comp and collision deductibles be. The rates below may help to illustrate the differences in premium rates between low and high physical damage deductibles. The first rate quote example uses a $250 comprehensive and collision deductible and the second data table uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| 9-3 2.0T 4-Dr Sedan | $602 | $1060 | $586 | $34 | $176 | $2,483 | $207 |
| 9-3 2.0T Station Wagon | $602 | $1060 | $586 | $34 | $176 | $2,483 | $207 |
| 9-3 2.0T XWD 4-Dr Sedan | $602 | $1060 | $586 | $34 | $176 | $2,483 | $207 |
| 9-3 Aero 4-Dr Sedan | $670 | $1220 | $586 | $34 | $176 | $2,711 | $226 |
| 9-3 2.0T 2-Dr Convertible | $670 | $1220 | $690 | $40 | $206 | $2,851 | $238 |
| 9-3 2.0T XWD Station Wagon | $670 | $1220 | $586 | $34 | $176 | $2,711 | $226 |
| 9-3 Aero Station Wagon | $670 | $1220 | $586 | $34 | $176 | $2,711 | $226 |
| 9-3 Aero XWD 4-Dr Sedan | $670 | $1220 | $586 | $34 | $176 | $2,711 | $226 |
| 9-3 Aero 2-Dr Convertible | $740 | $1380 | $690 | $40 | $206 | $3,081 | $257 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| 9-3 2.0T 4-Dr Sedan | $372 | $666 | $586 | $34 | $176 | $1,834 | $153 |
| 9-3 2.0T Station Wagon | $372 | $666 | $586 | $34 | $176 | $1,834 | $153 |
| 9-3 2.0T XWD 4-Dr Sedan | $372 | $666 | $586 | $34 | $176 | $1,834 | $153 |
| 9-3 Aero 4-Dr Sedan | $414 | $768 | $586 | $34 | $176 | $1,978 | $165 |
| 9-3 2.0T 2-Dr Convertible | $414 | $768 | $690 | $40 | $206 | $2,118 | $177 |
| 9-3 2.0T XWD Station Wagon | $414 | $768 | $586 | $34 | $176 | $1,978 | $165 |
| 9-3 Aero Station Wagon | $414 | $768 | $586 | $34 | $176 | $1,978 | $165 |
| 9-3 Aero XWD 4-Dr Sedan | $414 | $768 | $586 | $34 | $176 | $1,978 | $165 |
| 9-3 Aero 2-Dr Convertible | $456 | $868 | $690 | $40 | $206 | $2,260 | $188 |
| Get Your Own Custom Quote Go | |||||||
Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Michigan minimum liability limits. Discounts applied include claim-free, multi-policy, homeowner, safe-driver, and multi-vehicle. Rates do not factor in vehicle garaging location which can lower or raise premium rates substantially.
Based on the data above, we can derive that using a $250 deductible will cost you approximately $59 more each month or $708 a year averaged for all 9-3 models than opting for the higher $1,000 deductible. Due to the fact that you would have to pay $750 more to file a claim with a $1,000 deductible as compared to a $250 deductible, if you normally average more than 13 months between claim filings, you would come out ahead going with the higher deductible. The table below shows the way you can do this calculation yourself.
| Average monthly premium for $250 deductibles: | $224 |
| Average monthly premium for $1,000 deductibles (subtract): | – $165 |
| Monthly savings from raising deductible: | $59 |
| Difference between deductibles ($1,000 – $250): | $750 |
| Divide difference by monthly savings: | $750 / $59 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 13 months |
One important note is that increasing deductibles to lower your rates means you will have to pay more out-of-pocket when you have to file a claim. That will require some money saved in order to pay more for the deductible.
Impact of citations and accidents on insurance rates
The illustration below demonstrates how speeding tickets and at-fault accidents influence Saab 9-3 insurance costs for each age group. The premium estimates are based on a married female driver, comp and collision included, $500 deductibles, and no discounts are taken into consideration.
Difference between liability only and full coverage rates
The example below visualizes the comparison of Saab 9-3 insurance costs with full coverage and liability only. Data assumes a clean driving record, no at-fault accidents, $100 deductibles, single marital status, and no policy discounts are applied.
When to eliminate full coverage
There is no exact rule of when to stop paying for full coverage on your policy, but there is a guideline you can use. If the annual cost of your full coverage insurance is more than about 10% of any settlement you would receive from your insurance company, then you might want to think about dropping full coverage.
For example, let’s pretend your Saab 9-3 replacement cost is $9,000 and you have $1,000 full coverage deductibles. If your vehicle is severely damaged, the most your company will settle for is $8,000 after paying your policy deductible. If it’s costing you more than $800 annually for full coverage, then you might want to think about dropping full coverage.
There are some scenarios where dropping full coverage is not in your best interest. If you have an outstanding loan on your vehicle, you are required to maintain full coverage to protect the lienholder’s interest in the vehicle. Also, if your finances do not allow you to purchase a different vehicle in case of an accident, you should not eliminate full coverage.
Score discounts to get cheaper Detroit insurance quotes
Car insurance is not cheap, but there may be some discounts that you may not even be aware of. A few discounts will be applied when you quote, but once in a while a discount must be requested specifically prior to receiving the credit.
- Discount for Home Ownership – Owning a home in Detroit may trigger a policy discount on insurance because it demonstrates responsibility.
- Policy Bundle Discount – If you insure your home and vehicles with one insurance company you will save approximately 10% to 15%.
- Buy New and Save – Adding a new car to your policy may earn a small discount due to better safety requirements for newer vehicles.
- Discount for Swiching Early – A few insurance companies allow discounts for switching to them before your current 9-3 insurance policy expires. It can save you around 10%.
- Save with More Vehicles Insured – Drivers who insure multiple cars or trucks on a single policy can reduce the rates for all insured vehicles.
- Driver’s Education for Students – Have your child successfully complete driver’s ed class if it’s offered in school.
- College Student – Any of your kids who are enrolled in higher education away from home and don’t have a car may qualify for this discount.
- E-sign Discounts – A handful of companies will give a small break for buying your policy on the internet.
- ABS Brakes – Cars with ABS braking systems or traction control can reduce accidents so companies give up to a 10% discount.
- Service Members Pay Less – Having a deployed family member could mean lower prices.
Keep in mind that some of the credits will not apply to the overall cost of the policy. Most only reduce the cost of specific coverages such as collision or personal injury protection. So when it seems like having all the discounts means you get insurance for free, it just doesn’t work that way. But all discounts will definitely lower your policy premiums.
The diagram below illustrates the comparison of Saab 9-3 insurance costs with and without discounts. The price estimates are based on a female driver, no violations or claims, Michigan state minimum liability limits, comprehensive and collision coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, claim-free, multi-policy, safe-driver, homeowner, and multi-car discounts applied.
Popular insurance companies and some of their more popular discounts are shown below.
- GEICO has discounts for five-year accident-free, good student, defensive driver, military active duty, and federal employee.
- Travelers offers discounts including driver training, early quote, IntelliDrive, multi-car, student away at school, and continuous insurance.
- Farm Bureau has savings for renewal discount, good student, multi-vehicle, 55 and retired, multi-policy, and driver training.
- Liberty Mutual includes discounts for hybrid vehicle, new vehicle discount, safety features, newly retired, multi-car, and good student.
- American Family discounts include mySafetyValet, accident-free, TimeAway discount, multi-vehicle, and air bags.
- Progressive offers premium reductions for continuous coverage, homeowner, good student, multi-vehicle, online signing, multi-policy, and online quote discount.
When quoting, ask every insurance company which discounts can lower your rates. Depending on the company, some discounts might not be offered on policies in Detroit. If you would like to choose from a list of insurers with the best discounts in Michigan, click this link.
Your situation helps dictate your coverage
When it comes to choosing the right insurance coverage for your vehicles, there is no single plan that fits everyone. Your situation is unique.
These are some specific questions might help in determining if you would benefit from professional advice.
- Will I lose any money if I cancel my policy before it expires?
- Are all vehicle passengers covered by medical payments coverage?
- Should I buy only the required Michigan minimum liability coverage?
- Is extra glass coverage worth it?
- Will my rates increase for filing one claim?
- Should I waive the damage coverage when renting a car?
- Can good grades get a discount?
- What is no-fault insurance?
- Am I getting all the discounts available?
If you can’t answer these questions then you might want to talk to an insurance agent. If you want to speak to an agent in your area, take a second and complete this form.
Are insurance agencies of importance?
Many drivers just prefer to buy from a licensed agent and that can be a smart move One of the best bonuses of comparing insurance online is you may find cheap insurance quotes and also buy local. Buying from local agencies is especially important in Detroit.
By using this simple form, your insurance coverage information is submitted to insurance agents in Detroit who will give you quotes and help you find cheaper coverage. It makes it easy because there is no need to leave your house due to the fact that quote results will go immediately to your email address. It’s the lowest rates and a licensed agent to talk to. If you want to get a comparison quote from a specific insurance company, you just need to navigate to their website to submit a rate quote request.
If you want a reliable insurance agent, there are two types of insurance agents that you can choose from. Insurance policy providers can either be independent or exclusive.
Independent Agents
These type of agents do not write with just one company so they can quote policies with any number of different companies depending on which coverage is best. To move your coverage to a new company, your agent can switch companies and you stay with the same agent. If you need cheaper insurance rates, you will want to include at least one independent agent to ensure the widest selection of prices. They also have the ability to place coverage with small regional insurance companies who may have lower rates.
The following is a small list of independent agents in Detroit that may be able to give comparison quotes.
- Look! Insurance
11324 W Jefferson Ave # 1 – River Rouge, MI 48218 – (888) 566-5467 – View Map - Advasure Insurance
13600 W 8 Mile Rd C – Detroit, MI 48205 – (313) 521-0300 – View Map - Michigan Basic Property Insurance
3245 E Jefferson Ave – Detroit, MI 48207 – (313) 877-7400 – View Map
Exclusive Insurance Agencies
These agents can only write with one company such as State Farm, Allstate, or Farmers Insurance. Exclusive agents are unable to provide rate quotes from other companies so keep that in mind. These agents are well schooled on sales techniques which aids in selling service over price. Some insured continue to buy from exclusive agents partially due to the brand name instead of buying on price only.
Below is a short list of exclusive agencies in Detroit that can give you price quote information.
- Allstate Insurance: Shauna Johnson
18711 Grand River Ave – Detroit, MI 48223 – (313) 272-2020 – View Map - PD Dandnaik – State Farm Insurance Agent
W, 7725 Vernor Hwy – Detroit, MI 48209 – (313) 554-1500 – View Map - John Cash – State Farm Insurance Agent
19203 Grand River Ave – Detroit, MI 48223 – (313) 537-1200 – View Map
Picking the best car insurance agent requires you to look at more than just a cheap price quote. These questions are important to ask:
- If you raise deductibles, how much can you save?
- How long has their agency been open in Detroit?
- Is auto insurance their primary focus in Detroit?
- Did they already check your driving record and credit reports?
- Can you choose the body shop in case repairs are needed?
- Is working in the agency their full-time job?
After you get good feedback for all questions you ask and cheap 9-3 insurance quotes, it’s possible that you found an auto insurance agent that can properly insure your vehicles. Just be aware that you have the power to cancel coverage whenever you want so don’t think that you’re stuck with any specific agency indefinitely.
Persistence pays off
Insureds switch companies for any number of reasons including policy cancellation, not issuing a premium refund, unfair underwriting practices or even delays in responding to claim requests. Whatever your reason, choosing a new company can be easy and end up saving you some money.
A few companies don’t offer online price quotes and many times these smaller companies provide coverage only through independent agents. The cheapest Saab 9-3 insurance in Detroit is attainable both online as well as from insurance agents, and you should be comparing both to have the best selection.
When you buy Detroit auto insurance online, it’s not a good idea to sacrifice coverage to reduce premiums. In many cases, an accident victim reduced physical damage coverage to discover at claim time that the savings was not a smart move. Your goal is to find the BEST coverage at an affordable rate while not skimping on critical coverages.
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