Saab 9-3 Insurance Rates

The average auto insurance rates for a Saab 9-3 are $850 annually for full coverage insurance. Comprehensive insurance costs around $150 a year, collision costs $188, and liability is estimated at $376. Liability-only coverage costs approximately $426 a year, with high-risk coverage costing $1,816 or more. Teens cost the most to insure at $3,376 a year or more.

Average premium for full coverage: $850

Policy rates for type of insurance:

Prices are based on $500 policy deductibles, liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Prices are averaged for all 50 states and 9-3 trim levels.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city can have significant affects on car insurance rates. Areas with sparse population are shown to have fewer physical damage claims than cities with more traffic congestion.

The diagram below illustrates the difference location can make on auto insurance rates.

The examples above illustrate why it is important to get quotes for a specific zip code and their own personal driving habits, instead of using averaged prices.

Use the form below to get customized rates for your location.

More Rate Information

The chart below illustrates estimated Saab 9-3 insurance rates for additional coverage choices and driver risks.

• The cheapest rate after discounts is $517
• Choosing higher $1,000 deductibles can save about $772 each year
• The estimated rate for a good driver age 40 using $500 deductibles is $850
• Selecting low $100 deductibles for comp and collision coverage costs an additional $144 every year
• Unlucky drivers with serious driving violations could pay at least $1,816 or more
• Policy cost with full coverage for a teen driver can be $3,376 each year

View Chart as Image

Insurance rates for a Saab 9-3 also range considerably based on the model year and trim level, your risk profile, and deductibles and policy limits.

Older drivers with no violations or accidents and high physical damage deductibles may pay as little as $800 annually on average, or $67 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they should be prepared to pay as much as $3,300 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you are probably paying at least $1,000 to $1,400 additional every year, depending on your age. A high-risk auto insurance policy ranges as much as 41% to 131% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles can save as much as $230 every year, while buying higher liability limits will increase rates. Switching from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $398 more each year. View Rates by Deductible or Liability Limit

Your home state plays a big part in determining prices for Saab 9-3 insurance prices. A good driver about age 40 could pay as low as $560 a year in states like Vermont, Wisconsin, and North Carolina, or have to pay at least $1,150 on average in Michigan, New York, and Florida.

View Chart as Image

Because rates have so much variability, the only way to figure out your exact price is to get quotes and see which company has the best rate. Each auto insurer calculates rates differently, and rates will be varied between companies.

Insurance Rates by Trim Level and Model Year

Rates assume 2001 model year, a 40-year-old male driver with no accidents or violations, $500 comprehensive and collision deductibles, minimum liability limits, and uninsured/under-insured motorist coverage included. Rates are for comparison only and are averaged for all 50 U.S. states.

How to Buy Affordable Saab 9-3 Insurance

Finding cheaper rates on car insurance takes being a good driver, having good credit, being claim-free, and taking advantage of discounts. Make time to compare rates once a year by quoting rates from direct insurance companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.

The following list is a brief review of the data that was touched on in this article.

• It is possible to save up to $90 per year simply by quoting early and online
• Policyholders who may need an increased level of liability coverage will pay approximately $410 annually to raise limits from a 30/60 limit to higher 250/500 limits
• Drivers age 16 to 20 are charged the highest rates, possibly costing $281 each month if they have full coverage
• Higher risk drivers with DUI or reckless driving convictions pay on average $970 more every year than a safer driver