Compare Saab 9-5 Insurance Rates in San Francisco

The best way we recommend to get low-cost Saab 9-5 insurance is to do an annual price comparison from providers in San Francisco.

• Step 1: Get a basic knowledge of how car insurance works and the things you can control to prevent expensive coverage. Many policy risk factors that increase rates such as traffic tickets, fender benders, and an imperfect credit history can be improved by making small lifestyle or driving habit changes.
• Step 2: Request price quotes from direct carriers, independent agents, and exclusive agents. Direct and exclusive agents can only give prices from a single company like Progressive or Allstate, while independent agencies can quote prices from multiple sources.
• Step 3: Compare the quotes to your existing rates to see if switching to a new carrier will save money. If you find a lower rate quote and buy the policy, make sure coverage does not lapse between policies.

The most important part of shopping around is to compare identical limits and deductibles on each price quote and and to get price quotes from every company you can. Doing this provides a level playing field and a complete price analysis.

It goes without saying that car insurance companies want to keep you from shopping around. Consumers who get comparison quotes once a year will most likely switch companies because there is a good probability of finding a policy with more affordable rates. A study showed that people who compared prices once a year saved $3,450 over four years as compared to drivers who never compared prices.

If finding low prices for Saab 9-5 insurance in San Francisco is the reason you’re here, then understanding how to compare insurance can make it easier for you to save money.

The best way to compare rate quotes for Saab 9-5 insurance in San Francisco takes advantage of the fact almost all companies pay for the opportunity to give you rate quotes. To get started, all you need to do is take a few minutes to give details including if you have a valid license, whether the vehicles are used for commuting, an estimate of your credit level, and if you require a SR-22. That rating data is then sent to all major companies and you should receive rate quotes within a short period of time.

To compare rates for your car now, click here and enter your zip code.

The providers in the list below can provide price comparisons in San Francisco, CA. If multiple companies are shown, we suggest you visit as many as you can to find the most affordable car insurance rates.

Facts and figures for Saab 9-5 insurance

The premium information displayed below showcases detailed analysis of rate quotes for Saab 9-5 models. Learning more about how premiums are determined is important for making decisions on which insurance to purchase.

Data rating is based on single female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include claim-free, safe-driver, multi-vehicle, homeowner, and multi-policy. Prices do not factor in vehicle garaging location which can affect auto insurance rates greatly.

Analysis of deductible levels

When comparing car insurance rates, the most common question is how high should the physical damage coverage deductibles be. The figures shown below may help to conceptualize the price difference between low and high coverage deductibles. The first set of rates uses a $250 deductible for comp and collision and the second rate chart uses a $500 deductible.

Table data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include multi-vehicle, multi-policy, homeowner, claim-free, and safe-driver. Rates do not factor in San Francisco location which can raise or lower auto insurance rates considerably.

We can derive from the above data that using a $250 deductible will cost you roughly $24 more each month or $288 each year than buying the higher $500 deductible. Since you would pay $250 more if you file a claim with a $500 deductible as compared to a $250 deductible, if you average at least 10 months between claim filings, you would probably be better off by selecting a higher deductible.

One thing to be aware of is that increasing deductibles to lower your rates results in a higher out-of-pocket expense if you have a claim. You need some savings in the bank in the event you have to pay the higher deductible.

Comparison of car insurance rates by gender and age

The illustration below visualizes the comparison of Saab 9-5 car insurance costs for male and female drivers. The costs are based on no accidents, no driving violations, comp and collision included, $500 deductibles, drivers are not married, and no discounts are taken into consideration.

Liability only or full coverage

The diagram below illustrates the comparison of Saab 9-5 yearly insurance costs with and without full coverage. The rates are based on a clean driving record, no claims, $100 deductibles, marital status is single, and no discounts are applied.

When to switch to liability coverage only

There is no clear-cut formula of when to eliminate physical damage coverage, but there is a general guideline you can use. If the annual cost of your full coverage insurance is more than about 10% of the replacement cost of your vehicle minus the policy deductible, then you may want to consider only buying liability coverage.

For example, let’s say your Saab 9-5 replacement value is $6,000 and you have $1,000 policy deductibles. If your vehicle is totaled, the most your company would pay you is $5,000 after paying the physical damage deductible. If you are paying more than $500 annually for comprehensive and collision coverage, then you might want to think about dropping full coverage.

There are some situations where eliminating full coverage is not recommended. If you have an outstanding loan on your vehicle, you have to maintain full coverage as part of the loan conditions. Also, if your savings is not enough to buy a different vehicle if your current one is in an accident, you should not opt for liability only.

Insuring your Saab vehicle just makes sense

Despite the potentially high cost of Saab 9-5 insurance, insurance is required for several reasons.

• Just about all states have compulsory liability insurance requirements which means you are required to buy specific limits of liability insurance coverage in order to drive the car legally. In California these limits are 15/30/5 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.
• If your Saab has a lienholder, it’s most likely the lender will force you to carry insurance to ensure they get paid if you total the vehicle. If you cancel or allow the policy to lapse, the bank or lender will purchase a policy for your Saab at a much higher premium rate and require you to fork over the higher premium.
• Insurance protects both your Saab 9-5 and your assets. It will also provide coverage for medical transport and hospital expenses for you, any passengers, and anyone injured in an accident. As part of your policy, liability insurance will also pay for a defense attorney if anyone sues you for causing an accident. If damage is caused by hail or an accident, comprehensive (other-than-collision) and collision coverage will pay to repair the damage minus the deductible amount.

The benefits of buying insurance are without a doubt worth the cost, especially for larger claims. The average driver in America overpays as much as $700 annually so we recommend shopping around every year to make sure the price is not too high.

Four factors that influence insurance rates

Many different elements are part of the calculation when pricing auto insurance. Most are fairly basic such as traffic violations, but other factors are less apparent such as whether you are married or how financially stable you are.

The factors shown below are some of the most common factors used by companies to determine your rate level.

• Marriage pays dividends – Being married may save some money on your car insurance bill. It may mean you are more financially stable and insurance companies like that drivers who are married file infrequent claims.
• Lower premiums for vehicles with better crash test results – Vehicles with good safety scores get lower rates. Highly rated vehicles help reduce the chance of injuries in an accident and better occupant protection translates directly to fewer claims which can mean better rates for you. If your Saab 9-5 earned at least four stars on Safercar.gov or an “acceptable” rating on iihs.org it may be receiving lower rates.
• Do you qualify for a multi-policy discount? – The majority of insurance companies will award a discount to customers who buy several policies from them in the form of a multi-policy discount. Discounts can add up to ten or even fifteen percent. Even if you’re getting this discount it’s always a smart idea to compare Saab 9-5 rates in San Francisco to make sure you are getting the best deal.
• Keep the miles off and save – Driving a lot of miles annually the more you’ll pay to insure it. A lot of insurance companies charge to insure your cars based upon how much you drive. Cars left parked in the garage receive better premium rates than vehicles that are driven to work every day. It’s always a good idea to double check that your declarations sheet is rated on how each vehicle is driven, because it can save money. An improperly rated 9-5 is just wasting money.

Cheap insurance rates are possible

Cheaper insurance in San Francisco can be found on the web and with local San Francisco insurance agents, so you need to shop San Francisco car insurance with both to get a complete price analysis. There are still a few companies who do not provide the ability to get a quote online and many times these smaller companies provide coverage only through independent insurance agents.

Drivers change insurance companies for a variety of reasons including extreme rates for teen drivers, denial of a claim, an unsatisfactory settlement offer and policy non-renewal. Whatever your reason, finding the right insurance provider is pretty simple and you could end up saving a buck or two.

When trying to cut insurance costs, you should never buy lower coverage limits just to save a few bucks. There have been many situations where an insured cut comprehensive coverage or liability limits and discovered at claim time they didn’t purchase enough coverage. Your focus should be to purchase a proper amount of coverage at the best possible price, but don’t skip important coverages to save money.

For more information, link through to the following helpful articles:

• Pickups fall short in headlight tests (Insurance Institute for Highway Safety)
• Who Has Affordable San Francisco Car Insurance for Drivers Under 25? (FAQ)
• Who Has the Cheapest Auto Insurance Rates for a Honda Accord in San Francisco? (FAQ)
• Neck Injury FAQ (iihs.org)
• Vehicle Size and Weight FAQ (iihs.org)
• Driving in Bad Weather (Insurance Information Institute)
• Understanding your Policy (NAIC.org)