Top 5 Ways to Save on Saab 9-4X Insurance

I can’t think of anyone who looks forward to buying auto insurance, especially when their premiums are too high. Drivers have so many car insurance companies to insure vehicles with, and although it’s a good thing to be able to choose, it can be more challenging to find a good deal.

It’s smart to price shop coverage before your policy renews due to the fact that insurance rates are variable and change quite frequently. Just because you had the best rates on 9-4X coverage a year ago there may be better deals available now. So block out anything you think you know about auto insurance because you’re about to learn the only way to save money, get proper coverage and the best rates.

Compare Quotes for Auto Insurance

Effectively comparing auto insurance prices can be challenging if you aren’t aware of the most efficient way to do it. You could spend your day driving to insurance agencies in your area, or you could use the internet to get rate comparisons in just a few minutes.

Many of the larger companies enroll in a system where insurance shoppers complete one form, and at least one company can give them a price for coverage. This eliminates the need for quote forms for each company.

To fill out one form to compare multiple rates now click here to start a free quote.

The one disadvantage to comparing rates this way is you don’t know exactly the insurers you will receive quotes from. If you wish to select specific insurance companies to receive pricing from, we have a listing of auto insurance companies in your area. Click here to view list.

It’s your choice how you get your quotes, but ensure you are comparing identical coverage limits and deductibles for each price quote. If you use mixed coverages it will be next to impossible to truly determine the lowest rate.

But buying car insurance online seems impersonal

Some consumers just want to buy from a licensed agent and that is just fine! Educated insurance agents can point out coverage gaps and give you someone to call. The best thing about getting online price quotes is the fact that you can find the best rates and still choose a local agent.

To find an agent, once you fill out this simple form, your information is submitted to companies who will return price quotes to get your business. You never need to leave your computer because quoted prices will be sent to the email address you provide.

Choosing an insurance company shouldn’t rely on just the bottom line cost. Here are some questions to ask:

• How are they compensated?
• Which insurance companies are they affiliated with?
• Are there any hidden costs in their price quote and does it include driving and credit history?
• Is the agency involved in supporting local community causes?
• How often do they review policy coverages?
• Are claim adjusters local or do you have to take your car somewhere else?
• Does the agency have a good rating with the Better Business Bureau?
• Is the agent and/or agency licensed to do business in your state?

Do you need an independent or captive insurance agent?

When searching for a local agent, there are a couple of different agency structures that you can select. Agencies are classified as either captive or independent. Either one can do a good job, but it’s worth mentioning how they are different since it can impact the type of agent you choose

Captive Insurance Agents

Captive insurance agents have only one company to place business with and some examples include Farmers Insurance, American Family, State Farm and Allstate. They usually cannot give you multiple price quotes so they are skilled at selling on more than just price. Captive agents are very knowledgeable on their products and sales techniques and that can be a competitive advantage.

Independent Agencies or Brokers

These agents do not work for one specific company but instead can place your coverage with multiple insurance companies enabling the ability to shop coverage around. If you are not satisfied with one company, the business is moved internally and you don’t have to find a new agent. When comparison shopping, it’s recommended you contact at least one independent agent for the best price selection.

To view a full list of agents, click here.

Upon getting reasonable responses to all your questions as well as a affordable price, you have narrowed it down to an insurance agent that meets your needs to insure your vehicles. But keep in mind you can always terminate coverage at any point so don’t think you are locked into a specific agent with no way out.

Auto insurance policy coverages for a Saab 9-4X

Learning about specific coverages of auto insurance helps when choosing which coverages you need for your vehicles. The coverage terms in a policy can be impossible to understand and nobody wants to actually read their policy. These are the usual coverages found on the average auto insurance policy.

Coverage for collisions

This coverage will pay to fix damage to your 9-4X caused by collision with another vehicle or an object, but not an animal. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision can pay for claims such as backing into a parked car, colliding with another moving vehicle and driving through your garage door. Collision coverage makes up a good portion of your premium, so consider dropping it from lower value vehicles. It’s also possible to increase the deductible to bring the cost down.

Comprehensive auto coverage

Comprehensive insurance covers damage from a wide range of events other than collision. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage pays for things such as damage from getting keyed, a broken windshield, a tree branch falling on your vehicle, hail damage and rock chips in glass. The highest amount a auto insurance company will pay at claim time is the actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This coverage protects you and your vehicle when the “other guys” either have no liability insurance or not enough. Covered losses include injuries sustained by your vehicle’s occupants and also any damage incurred to your Saab 9-4X.

Since a lot of drivers have only the minimum liability required by law, their limits can quickly be used up. For this reason, having high UM/UIM coverages should not be overlooked.

Auto liability insurance

Liability coverage will cover damage that occurs to a person or their property. Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have policy limits of 50/100/50 that means you have a $50,000 limit per person for injuries, a total of $100,000 of bodily injury coverage per accident, and a limit of $50,000 paid for damaged property.

Liability coverage pays for things like loss of income, structural damage, medical services, bail bonds and medical expenses. The amount of liability coverage you purchase is your choice, but it’s cheap coverage so purchase higher limits if possible.

Medical payments and PIP coverage

Personal Injury Protection (PIP) and medical payments coverage pay for bills such as prosthetic devices, nursing services, X-ray expenses, hospital visits and EMT expenses. They are often used in conjunction with a health insurance policy or if you are not covered by health insurance. It covers all vehicle occupants and will also cover being hit by a car walking across the street. Personal Injury Protection is only offered in select states and gives slightly broader coverage than med pay