Cheap Saab 9-3 Insurance in Denver

Finding better insurance prices for a Saab 9-3 in Colorado can normally be difficult, but you can learn the following methods and make it easy.

There are both good and bad ways to find car insurance online and we’ll show you the absolute fastest way to get price quotes on a Saab and get the cheapest rates either online or from Denver insurance agents.

The quickest method we recommend to compare policy rates for Saab 9-3 insurance in Denver is to know almost all companies have advanced systems to give you rate quotes. The only thing you need to do is give them some information like whether or not you need a SR-22, how much education you have, any included safety features, and coverage limits. Your insurance information is automatically sent to all major companies and you should receive rate quotes instantly.

To find the cheapest Saab 9-3 insurance rates, click here and enter your coverage details.

The car insurance companies shown below have been selected to offer free rate quotes in Denver, CO. If multiple companies are listed, we recommend you visit two to three different companies to get a more complete price comparison.

Prices based on single female driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Colorado minimum liability limits. Discounts applied include claim-free, multi-vehicle, multi-policy, safe-driver, and homeowner. Estimates do not factor in vehicle garaging location which can lower or raise prices substantially.

Comparison of car insurance rates by gender

The illustration below illustrates the difference between Saab 9-3 auto insurance costs for male and female drivers. The information is based on no accidents, no driving violations, full coverage, $100 deductibles, drivers are single, and no additional discounts are factored in.

Full coverage rates vs. liability-only in Denver

The example below visualizes the comparison of Saab 9-3 insurance costs with and without full coverage. The prices are based on no claims or driving citations, $100 deductibles, single male driver, and no discounts are applied.

When to switch to liability coverage only

There is no definitive rule for eliminating full coverage on your policy, but there is a broad guideline. If the yearly cost of comp and collision coverage is more than 10% of replacement cost minus your deductible, then you might want to consider buying only liability coverage.

For example, let’s assume your Saab 9-3 book value is $6,000 and you have $1,000 deductibles. If your vehicle is severely damaged, the most your company will settle for is $5,000 after paying your policy deductible. If you are paying more than $500 a year for comprehensive and collision coverage, then it’s probably a good time to buy liability coverage only.

There are some conditions where eliminating full coverage is not a good idea. If you still owe a portion of the original loan, you have to carry full coverage to protect the lienholder’s interest. Also, if your savings is not enough to buy a different vehicle if your current one is totaled, you should not consider dropping full coverage.

Deductible comparison

One frequently asked question is where to set your physical damage deductibles. The tables below may help to illustrate the price difference when you select higher and lower comp and collision deductibles. The first pricing table uses a $100 physical damage deductible and the second price grid uses a $500 deductible.

Data rating is based on married male driver age 30, no speeding tickets, no at-fault accidents, and Colorado minimum liability limits. Discounts applied include multi-vehicle, multi-policy, homeowner, claim-free, and safe-driver. Information does not factor in the specific area where the vehicle is garaged which can modify insurance rates significantly.

We can estimate from the data above that using a $100 deductible costs roughly $29 more each month or $348 for a full year than opting for the higher $500 deductible. Since you would have to pay $400 more to file a claim with a $500 deductible as compared to a $100 deductible, if you have at a minimum 14 months between claim filings, you would most likely save money if you opt for a higher deductible.

Affordable Denver insurance quotes with discounts

Insuring your vehicles can cost a lot, but discounts can save money and there are some available to cut the cost considerably. Some trigger automatically when you get a quote, but some must be asked for prior to receiving the credit.

• Fewer Miles Equal More Savings – Low mileage vehicles may allow you to get discounted prices on garaged vehicles.
• Student Discounts – Performing well in school may save as much as 25% on a Denver car insurance quote. Many companies even apply the discount to college students up until you turn 25.
• Passenger Safety Discount – Factory air bags or automatic seat belts could see savings of 20% or more.
• Early Payment Discounts – By paying your entire bill at once instead of monthly or quarterly installments you could save up to 5%.
• Switch and Save Discount – A few insurance companies give discounts for buying a new policy prior to your current 9-3 insurance policy expiration. This can save 10% or more.
• Claim-Free Discount – Insureds with no claims or accidents have much lower rates as compared to drivers with a long claim history.
• Good Drivers – Insureds who avoid accidents can save up to 40% or more on their Denver car insurance quote as compared to drivers with claims.
• Government Employee Discount – Employees or retirees of the government can save as much as 8% with some insurance companies.
• Drivers Education – Make teen driver coverage more affordable by requiring them to successfully complete driver’s ed class in high school.

Policy discounts save money, but most of the big mark downs will not be given to all coverage premiums. Most only cut the price of certain insurance coverages like liability and collision coverage. Just because it seems like adding up those discounts means a free policy, insurance companies aren’t that generous.

To locate insurance companies who offer free Saab 9-3 insurance quotes in Denver, follow this link.

Auto insurance is not optional

Despite the high cost, auto insurance may be required and benefits you in several ways.

• Just about all states have mandatory insurance requirements which means you are required to carry specific limits of liability in order to be legal. In Colorado these limits are 25/50/15 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $15,000 of property damage coverage.
• If your Saab has a loan, most lenders will require that you buy insurance to ensure loan repayment if the vehicle is totalled. If you cancel or allow the policy to lapse, the bank may buy a policy for your Saab for a lot more money and require you to fork over for it.
• Auto insurance preserves both your Saab and your assets. It will also reimburse you for medical bills for yourself as well as anyone injured by you. Liability coverage, the one required by state law, also covers all legal expenses up to the policy limit if you are named as a defendant in an auto accident. If mother nature or an accident damages your car, your policy will cover the repair costs.

The benefits of insuring your 9-3 more than cancel out the cost, especially with large liability claims. But the average American driver is overpaying more than $825 a year so compare rates every year to ensure rates are inline.

Situations that may require an agent’s advice

When it comes to adequate coverage for your vehicles, there really is not a cookie cutter policy. Everyone’s situation is a little different.

For example, these questions may help you determine if your insurance needs would benefit from professional advice.

• Should I get collision insurance on every vehicle?
• Does liability extend to a camper or trailer?
• Am I covered if I hit someone who is not insured?
• Is rental equipment covered for theft or damage?
• When should I buy a commercial auto policy?
• Am I insured when driving a different vehicle?
• How can I get my company to pay me more for my totalled car?

If you don’t know the answers to these questions but you think they might apply to your situation, then you may want to think about talking to an insurance agent. To find an agent in your area, simply complete this short form. It’s fast, doesn’t cost anything and you can get the answers you need.

Insurance agent or online?

Certain consumers still prefer to sit down with an agent and that is just fine! Professional agents are highly skilled in risk management and help you file claims. An additional benefit of comparing rate quotes online is the fact that you can find the best rates and also buy local. And buying from small agencies is especially important in Denver.

To make it easy to find an agent, after completing this short form, your information is immediately sent to local insurance agents in Denver who will give you quotes to get your business. It simplifies rate comparisons since you won’t have to do any legwork since rate quotes are delivered to you directly. If you want to get a price quote from a specific company, you would need to find their quoting web page and give them your coverage information.

Pick the best car insurance agent in Denver for you

When researching a local Denver insurance agent, it’s helpful to know the different types of agencies and how they are slightly different. Insurance agencies in Denver are categorized either exclusive or independent agents depending on their company appointments. Both can sell affordable car insurance policies, but it’s worth mentioning the differences since it can affect your selection of an agent.

Independent Insurance Agents

These type of agents often have affiliation with several companies so as a result can place your coverage with multiple insurance companies depending on which coverage is best. If you want to switch companies, your agent can switch companies and you can keep the same agent.

When shopping rates, you should always compare prices from multiple independent agents to have the best price comparison. Most also have access to smaller mutual companies that may provide cheaper car insurance rates.

Featured below are independent agencies in Denver that can possibly get you price quote information.

• Westwood Insurance
  57 W Alameda Ave – Denver, CO 80223 – (303) 722-2841 – View Map
• Mile High Insurance Agency
  4704 Harlan St #360 – Denver, CO 80212 – (303) 237-5445 – View Map
• Gonzalez Insurance Agency
  6450 E Colfax Ave – Denver, CO 80220 – (303) 320-4901 – View Map

View more Denver agents

Exclusive Car Insurance Agencies

These type of agents can only provide one company’s prices and some examples include Farmers Insurance, State Farm, or Allstate. Exclusive agencies are unable to place coverage with different providers so always compare other rates. Exclusive insurance agents are trained well in insurance sales which helps them sell on service rather than price. Drivers often choose to use an exclusive agent partially due to loyalty to the company rather than low price.

Below is a list of exclusive insurance agencies in Denver that are able to give price quotes.

• Tammy Hill – State Farm Insurance Agent
  4650 Tower Rd Unit 101 – Denver, CO 80249 – (303) 373-9500 – View Map
• Beth Bales – State Farm Insurance Agent
  3650 S Yosemite St #408 – Denver, CO 80237 – (303) 993-2727 – View Map
• Val Laskowski – State Farm Insurance Agent
  5353 W Dartmouth Ave #410 – Denver, CO 80227 – (303) 987-8849 – View Map

View more Denver agents

Choosing the best insurance agency is decision based upon more than just a cheap price quote. The answers to these questions are important, too.

• Does the agency have a good rating with the Better Business Bureau?
• Will the agent or a CSR service your policy?
• Will they take your side in the event of a claim?
• Does the company have a solid financial rating?
• Is assistance available after office hours?

Upon getting satisfactory answers to any questions you have as well as a price you’re happy with, it’s a good possibility that you have found an insurance agency that meets the requirements to properly insure your vehicles. But remember, it’s your policy and you can terminate your policy at any time so never assume that you are obligated to a specific agent with no way to switch.