Saab 9-3 Insurance Rates

Estimated auto insurance rates for a Saab 9-3 are $850 annually for full coverage insurance. Comprehensive costs an estimated $150, collision costs $188, and liability coverage is $376. A policy with only liability insurance costs around $426 a year, with a high-risk policy costing around $1,816. Teenage drivers pay the most at $3,376 a year or more.

Average premium for full coverage: $850

Premium estimates broken down by type of coverage:

Full coverage includes $500 comprehensive and collision deductibles, 30/60 split liability limits, and includes both medical and uninsured motorist insurance. Rates include averaging for all 50 states and for all 9-3 models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Choosing to live in a large city has a large influence on the price of insurance. More rural locations are statistically proven to have fewer physical damage claims than densely populated cities.

The example below illustrates the difference location can make on insurance prices.

These rate differences illustrate why everyone should compare rates quotes for a targeted area and their own personal driving habits, rather than using average rates.

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

Additional Rate Details

The chart below illustrates estimated Saab 9-3 insurance rates for other coverage scenarios.

• The best discount rate is $517
• Raising to $1,000 deductibles will save approximately $78 each year
• The estimated rate for a 40-year-old good driver who has $500 deductibles is $850
• Using pricier low deductibles will cost $994
• Unlucky drivers who are prone to accidents and violations could pay up to $1,816 or more
• An auto insurance policy with full coverage for a teenage driver for full coverage can cost as much as $3,376

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Car insurance prices for a Saab 9-3 also have a wide range based on the model of your 9-3, your risk profile, and liability limits and deductibles.

A more mature driver with no driving violations and high physical damage deductibles may only pay around $800 every 12 months on average, or $67 per month, for full coverage. Prices are much higher for drivers in their teens, where even without any violations or accidents they will be charged at least $3,300 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you are probably paying $1,000 to $1,400 extra annually, depending on your age. Saab 9-3 insurance for high-risk drivers is expensive and can cost around 41% to 131% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles can reduce prices by up to $230 a year, whereas buying more liability protection will increase premiums. Switching from a 50/100 bodily injury limit to a 250/500 limit will cost up to $398 extra every 12 months. View Rates by Deductible or Liability Limit

Where you choose to live also has a big influence on Saab 9-3 insurance rates. A middle-age driver might find prices as low as $560 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $1,150 on average in Florida, New York, and Michigan.

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With such a large range in prices, the only way to figure out which insurance company is cheapest is to regularly compare prices and see how they stack up. Every auto insurance company uses a different method to calculate prices, so rate quotes will be substantially different between companies.

Insurance Rates by Trim Level and Model Year

Rates assume 2005 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 More Affordable Saab 9-3 Insurance

Finding better rates on auto insurance consists of having a decent driving record, having a good credit score, paying for small claims out-of-pocket, and not having any coverage lapses. Make time to compare rates at least every other year by getting rate quotes from direct insurance companies, and also from your local independent and exclusive agents.

The following items are a summary of the car insurance concepts touched on in this article.

• Drivers who have multiple accidents or major violations may pay on average $970 more annually than a driver with a clean driving record
• It is possible to save approximately $90 per year simply by quoting online well ahead of the renewal date
• Increasing policy deductibles could save up to $225 each year
• Consumers who want additional liability coverage will pay an extra $410 annually to raise from 30/60 bodily injury limits to higher 250/500 limits