Are you burned out from scraping the payment together to pay your auto insurance bill each month? You’re in the same situation as many other drivers in California.
Amazingly, over 70% of drivers kept their policy with the same company for well over three years, and roughly 40% of drivers have never compared quotes from other companies. Most drivers in California could pocket as much as $470 a year, but they don’t know how much savings they would realize if they switched.
Due to the fact that there are so many different company options, it’s nearly impossible to find a more affordable auto insurance provider.
Choosing the most cost-effective insurance policy in San Francisco is quite easy. Basically, everyone who compares rate quotes for insurance will more than likely find a lower-cost policy. Nevertheless, California car owners benefit from understanding the way companies compete online because rates fluctuate considerably.
Cheap companies for Saab 9-3 insurance
The following companies offer price quotes in San Francisco, CA. If the list has multiple companies, we recommend you visit two to three different companies to get the best price comparison.
Saab 9-3 detailed coverage information
The data table shown below highlights estimates of insurance prices for Saab 9-3 models. Understanding more about how auto insurance policy rates are formulated can aid in making informed decisions when comparing rates.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|9-3 2.0T 4-Dr Sedan||$370||$834||$424||$26||$128||$1,782||$149|
|9-3 2.0T Station Wagon||$370||$834||$424||$26||$128||$1,782||$149|
|9-3 2.0T XWD 4-Dr Sedan||$370||$834||$424||$26||$128||$1,782||$149|
|9-3 Aero 4-Dr Sedan||$412||$960||$424||$26||$128||$1,950||$163|
|9-3 2.0T 2-Dr Convertible||$412||$960||$500||$30||$150||$2,052||$171|
|9-3 2.0T XWD Station Wagon||$412||$960||$424||$26||$128||$1,950||$163|
|9-3 Aero Station Wagon||$412||$960||$424||$26||$128||$1,950||$163|
|9-3 Aero XWD 4-Dr Sedan||$412||$960||$424||$26||$128||$1,950||$163|
|9-3 Aero 2-Dr Convertible||$454||$1086||$500||$30||$150||$2,220||$185|
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Table data assumes single male driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, homeowner, safe-driver, multi-policy, and claim-free. Estimates do not factor in garaging location in San Francisco which can affect coverage rates greatly.
Saab 9-3 liability rates compared to full coverage
The example below shows the difference between Saab 9-3 auto insurance rates with full coverage compared to only the California minimum liability coverage. Data assumes no accidents or driving violations, $100 deductibles, drivers are single, and no discounts are factored in.
When to drop full coverage
There is no exact rule to drop comprehensive and collision coverage on your policy, but there is a broad guideline. If the yearly cost for physical damage coverage is more than 10% of the vehicle’s replacement cost less your deductible, then you might want to think about dropping full coverage.
For example, let’s say your Saab 9-3 book value is $6,000 and you have $1,000 policy deductibles. If your vehicle is totaled, you would only receive $5,000 after the deductible is paid. If you are paying over $500 a year for comprehensive and collision coverage, then it might be time to buy liability only.
There are some conditions where removing full coverage is not recommended. If you haven’t paid off your loan, you are required 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 totaled, you should keep full coverage in place.
Affordable Saab 9-3 insurance in San Francisco
Car insurance can cost a lot, but you can get discounts to reduce the price significantly. Certain reductions will be credited at the time of quoting, but some need to be asked about in order for you to get them.
- Air Bag Discount – Cars that have air bags and/or automatic seat belt systems may get savings of up to 25% or more.
- Auto/Home Discount – If you can bundle your auto and home insurance and insure them both with the same insurance company you may earn at least 10 to 15 percent or more.
- E-sign Discounts – A few insurance companies may give you up to $50 get San Francisco auto insurance on the internet.
- Multiple Cars – Buying insurance for multiple vehicles with the same company can get a discount on all vehicles.
- Senior Citizen Rates – Mature drivers are able to get better auto insurance rates.
Please keep in mind that most of the big mark downs will not be given to the entire policy premium. Some only reduce individual premiums such as physical damage coverage or medical payments. Even though the math looks like you could get a free auto insurance policy, it’s just not the way it works. But any discount will lower your auto insurance premiums.
The diagram below shows the comparison of Saab 9-3 insurance costs with and without discounts being applied to the rates. The prices are based on a female driver, no violations or claims, California state minimum liability limits, full physical damage coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, safe-driver, homeowner, claim-free, marriage, and multi-car discounts applied.
If you would like to see a list of insurers that offer multiple discounts in California, click here to view.
Seven Tips to Get Cheap San Francisco Insurance Rates
Many factors are used in the calculation when quoting car insurance. Some are pretty understandable like an MVR report, but some are not quite as obvious like your continuous coverage or your financial responsibility. A large part of saving on insurance is knowing some of the things that help calculate your policy premiums. If you understand what determines premiums, this allows you to make educated decisions that can earn you cheaper rates.
Youthful drivers pay high rates – Teenage drivers in California tend to be less responsible when behind the wheel therefore insurance rates are much higher. Parents adding a first-time driver onto your insurance will cause a huge premium hike. Mature drivers are viewed as being more responsible, tend to file fewer claims, and get fewer tickets.
The data below assumes a single driver, full coverage with $500 deductibles, and no discounts or violations.
More traffic means higher claims – Residing in small towns and rural areas is a good thing when buying insurance. Fewer drivers and short commutes means a lower chance of having an accident in addition to lower liability claims. City drivers have to deal with traffic congestion and more time behind the wheel. More time behind the wheel means a statistically higher chance of an accident.
Drive fewer miles and save – The higher the miles on your Saab each year the higher the price you pay to insure it. Many insurance companies charge to insure your cars determined by how the vehicle is used. Cars and trucks used primarily for pleasure use get more affordable rates as compared to vehicles used primarily for driving to work. Having an incorrect usage rating on your 9-3 can cost quite a bit. Double check that your insurance policy is rated on the correct driver usage, because improper ratings can cost you money.
Gaps in coverage mean higher prices – Not having insurance is against the law and companies may charge more for letting your coverage have a gap. And not only will insurance be more expensive, not being able to provide proof of insurance could earn you a fine, jail time, or a revoked license.
Minor frequent insurance claims are not good – Companies in California award the best rates to insureds who are not frequent claim filers. If you frequently file small claims, you can look forward to higher premiums or even policy non-renewal. Insurance coverage is intended for larger claims.
Deter car thieves – Selecting a car model with a theft deterrent system can help bring down rates. Systems that thwart thieves such as LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system can help prevent your car from being stolen.
Incidental coverages you don’t use – Policies have extra bells and whistles that can add up if you aren’t diligent. Coverages for vanishing deductibles, accident forgiveness, and membership fees are some examples. They may seem good at first, but if you’ve never needed them in the past eliminate them to save money.
What is the best insurance coverage?
When it comes to buying proper insurance coverage for your vehicles, there really is no “best” method to buy coverage. Every situation is different and a cookie cutter policy won’t apply.
For instance, these questions could help you determine if you will benefit from professional help.
- Is my camper covered by my car insurance policy?
- What vehicles should carry emergency assistance coverage?
- What is an adequate liability insurance limit?
- Do I need to call my car insurance company before buying a new car?
- Is business equipment covered while in my vehicle?
- Does coverage follow the driver or the vehicle?
- Do I have coverage when pulling a U-Haul trailer?
- If my car is totaled with they pay enough to replace it?
- What can I do if my company won’t pay a claim?
- Am I covered by my employer’s commercial auto policy when driving my personal car for business?
If you’re not sure about those questions but you think they might apply to your situation, you may need to chat with an agent. If you want to speak to an agent in your area, fill out this quick form or click here for a list of insurance companies in your area.
When to talk to an insurance agency
Many drivers just want to go talk to an agent and doing so can bring peace of mind The biggest benefit of comparing rates online is that you can find the best rates and still buy from a local agent.
To find an agent, once you fill out this form (opens in new window), your information is emailed to participating agents in San Francisco who will give competitive quotes for your business. You won’t need to do any legwork since price quotes are sent to you directly. You’ll get the best rates and a licensed agent to work with. If you want to compare prices from a specific insurance provider, don’t hesitate to search and find their rate quote page and give them your coverage information.
Picking the best provider needs to be determined by more than just a cheap quote. These are some questions your agent should answer.
- Is the coverage adequate for your vehicle?
- Are they giving you every discount you deserve?
- How would your car be valued if totaled?
- Will you get a loaner vehicle if you car is being repaired?
- By raising physical damage deductibles, how much would you save?
- Which companies do they recommend if they are an independent agency?
- Are they paid to recommend certain coverages?
Below is a short list of insurance companies in San Francisco that can give you price quotes for Saab 9-3 insurance in San Francisco.
If you get answers to your satisfaction to these questions and a low price estimate, it’s possible that you found an insurer that can adequately provide insurance. It’s important to know that you have the power to cancel a policy at any point so never feel that you are permanently stuck with a specific agent with no way out.
You can lower your insurance rates
We just covered many ways to find lower-cost Saab 9-3 insurance in San Francisco. The most important thing to understand is the more providers you compare, the better your comparison will be. Drivers may even discover the lowest priced insurance comes from a company that doesn’t do a lot of advertising. These smaller insurers may often insure only within specific states and give better rates as compared to the big name companies such as Progressive or GEICO.
When you buy San Francisco auto insurance online, never reduce coverage to reduce premium. There are too many instances where someone dropped full coverage only to regret at claim time that a couple dollars of savings turned into a financial nightmare. The ultimate goal is to purchase a proper amount of coverage at the best cost and still be able to protect your assets.
Steps to finding lower priced Saab 9-3 insurance in San Francisco
If you want to save the most money, the best way to get the cheapest Saab 9-3 insurance is to compare prices regularly from different companies in San Francisco.
First, it will benefit you to learn about coverages and the modifications you can make to prevent rate increases. Many policy risk factors that cause rate increases such as traffic violations and an imperfect credit score can be remedied by making small lifestyle or driving habit changes.
Second, get rate quotes from direct carriers, independent agents, and exclusive agents. Direct companies and exclusive agencies can give quotes from a single company like GEICO or State Farm, while agents who are independent can provide price quotes for many different companies.
Third, compare the new rate quotes to your existing rates to see if cheaper 9-3 coverage is available in San Francisco. If you can save money and decide to switch, make sure coverage is continuous and does not lapse.
The most important part of shopping around is to try to use the same level of coverage on every quote and and to get price quotes from as many different companies as possible. This guarantees an accurate price comparison and the most accurate and complete price analysis.
Even more information can be read in the articles below:
- What is Covered by GAP Insurance? (Allstate)
- What Car Insurance is Cheapest for Drivers with a Bad Driving Record in San Francisco? (FAQ)
- How Much are Auto Insurance Quotes for Homeowners in San Francisco? (FAQ)
- What Car Insurance is Cheapest for a Subaru Outback in San Francisco? (FAQ)
- No-Fault Auto Insurance Statistics (Insurance Information Institute)
- Vehicle Insurance in the U.S. (Wikipedia)