How to Compare Tampa Saab 9-5 Insurance

It’s an obvious statement that car insurance companies don’t want you to look for a cheaper policy. Insureds who compare other rates will presumably switch companies because they have a good chance of finding a more affordable policy. A recent survey revealed that consumers who did price comparisons regularly saved an average of $70 a month compared to drivers who never compared other company’s rates.

If finding the lowest rates on Saab 9-5 insurance is your intention, then having a good understanding the best way to quote and compare insurance premiums can save time and make the process easier.

Insurance for Saab 9-5The best way we recommend to find better pricing on car insurance rates is to compare prices regularly from providers who sell auto insurance in Tampa.

  1. Read about the different coverages in a policy and the changes you can make to prevent expensive coverage. Many policy risk factors that drive up the price like at-fault accidents, careless driving, and an unfavorable credit rating can be eliminated by improving your driving habits or financial responsibility.
  2. Quote rates from direct, independent, and exclusive agents. Direct and exclusive agents can provide rates from a single company like GEICO or Farmers Insurance, while independent agencies can give you price quotes from many different companies.
  3. Compare the new rates to the premium of your current policy to determine if you can save on 9-5 insurance in Tampa. If you can save some money and switch companies, verify that coverage does not lapse between policies.

A key point to remember is to use the same deductibles and limits on every price quote and and to look at as many companies as feasibly possible. Doing this guarantees an accurate price comparison and many rates to choose from.

Locating the best rates in Tampa is easy if you know what you’re doing. If you’re already insured or just want cheaper rates, you can learn to find better prices while maximizing coverage. Shoppers just have to use the fastest way to get comparison rates online.

How to buy Saab 9-5 insurance online

The companies shown below can provide free rate quotes in Tampa, FL. To find cheap auto insurance in FL, we recommend you visit several of them in order to get a fair rate comparison.

Take policy discounts and save on Saab 9-5 insurance in Tampa

Car insurance companies do not list all discounts very well, so the list below details a few of the more common as well as the least known credits available to lower your premiums when you buy Tampa auto insurance online.Insurance discounts

It’s important to understand that most credits do not apply to the overall cost of the policy. The majority will only reduce the cost of specific coverages such as collision or personal injury protection. Just because you may think you would end up receiving a 100% discount, it just doesn’t work that way.

The example below shows the difference between Saab 9-5 insurance premiums with and without discounts applied to the policy rates. The premiums are based on a male driver, no claims, a clean driving record, Florida state minimum liability limits, comprehensive and collision coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, safe-driver, claim-free, homeowner, multi-policy, and multi-car discounts applied.

A list of insurance companies and some of the discounts are shown below.

If you need lower rates, check with every insurance company to give you their best rates. Depending on the company, some discounts might not apply in Tampa. To view insurance companies that offer the discounts shown above in Florida, follow this link.

Analysis of coverages

The coverage information displayed below covers detailed analysis of insurance rates for Saab 9-5 models. Learning as much as possible about how insurance policy premiums are established can be useful when making decisions on the best policy to buy.

Saab 9-5 Insurance Rates in Tampa, FL
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
9-5 Aero XWD 4-Dr Sedan $406 $766 $430 $26 $128 $1,756 $146
Get Your Own Custom Quote Go

Price data assumes married male driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Florida minimum liability limits. Discounts applied include claim-free, multi-policy, safe-driver, homeowner, and multi-vehicle. Rate quotes do not factor in specific location which can revise price quotes substantially.

Rate comparison for different deductibles

When comparing insurance rates, the most common question is where to set your physical damage deductibles. The rates shown below lay out the price difference when you select higher and lower deductibles. The first price estimate table uses a $100 physical damage coverage deductible and the second pricing table uses a $500 deductible.

Saab 9-5 insurance premium estimates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
9-5 Aero XWD 4-Dr Sedan $498 $994 $418 $24 $124 $2,083 $174
Get Your Own Custom Quote Go

Saab 9-5 insurance premium estimates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
9-5 Aero XWD 4-Dr Sedan $364 $672 $418 $24 $124 $1,602 $134
Get Your Own Custom Quote Go

Table data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Florida minimum liability limits. Discounts applied include claim-free, homeowner, multi-vehicle, safe-driver, and multi-policy. Rate quotes do not factor in the specific area where the vehicle is garaged which can impact premiums significantly.

Based on these figures, using a $100 deductible could cost the average driver approximately $40 more each month or $480 for a full year than choosing the higher $500 deductible. Because you would be required to pay $400 more out-of-pocket with a $500 deductible as compared to a $100 deductible, if you go more than 10 months between claim filings, you would come out ahead if you choose a higher deductible.

Impact of careless driving on insurance rates

The chart below illustrates how violations and accident claims can influence Saab 9-5 yearly insurance costs for different age groups. The premiums are based on a married male driver, full coverage, $250 deductibles, and no additional discounts are factored in.

Should you buy full coverage?

The example below illustrates the comparison of Saab 9-5 insurance prices with and without full coverage. The premiums are based on no driving violations, no at-fault accidents, $1,000 deductibles, drivers are single, and no discounts are taken into consideration.

Should you buy full coverage or liability only?

There is no definitive guideline for eliminating physical damage coverage, but there is a general school of thought. If the annual cost of comprehensive and collision coverage is 10% or more of the vehicle’s replacement cost less your deductible, then you might consider buying liability only.

For example, let’s assume your Saab 9-5 replacement cost is $8,000 and you have $1,000 policy deductibles. If your vehicle is severely damaged, the most your company will settle for is $7,000 after the policy deductible has been paid. If you are paying more than $700 a year for physical damage coverage, then it could be time to drop full coverage.

There are some cases where dropping physical damage coverage is not financially feasible. If you haven’t paid off your loan, you have to maintain full coverage to protect the lienholder’s interest. Also, if you cannot afford to purchase a different vehicle if your current one is totaled, you should maintain full coverage.

How to Lower Your Insurance Rates

Many things are considered when you quote your car insurance policy. Some are obvious such as your driving record, although some other factors are more transparent such as your credit history and annual miles driven. One of the most helpful ways to save on insurance is to to have a grasp of some of the elements that aid in calculating the price you pay for insurance. If you know what positively or negatively impacts your premiums, this allows you to make good choices that could result in much lower annual insurance costs.

Cheaper rates after marriage – Walking down the aisle may save some money when buying insurance. It is viewed as being more mature and responsible it has been statistically shown that drivers who are married file infrequent claims.

Type of car determines base prices – The make and model of the car you need insurance for makes a significant difference in your auto insurance rates. Low performance passenger cars normally have pretty low rates, but that’s not the only thing that factors into the final price.

The following chart uses these variables: single female driver age 40, full coverage with $500 deductibles, and no discounts or violations. It compares Saab 9-5 policy rates compared to other vehicles that have different risk factors.

Keep policy claims to a minimum – If you file claims often, you can definitely plan on higher rates. Car insurance companies in Florida provide discounts to insureds that do not abuse their auto insurance. Your insurance policy is intended to be relied upon for claims that pose a financial burden.

Little extras can really add up – There are quite a few additional coverages you can purchase if you aren’t careful. Add-on coverages like vanishing deductibles, accidental death, and extra equipment coverage are examples of these. They may seem like a good idea when deciding what coverages you need, but if you’ve never needed them in the past eliminate the coverages to reduce your premium.

Save money by having responsible credit – A driver’s credit score can be an important factor in determining your rates. Therefore, if your credit score could use some work, you could save money insuring your Saab 9-5 by spending a little time repairing your credit. Drivers with very high credit ratings tend to be less risk to insure than those with worse credit.

Your address can modify price – Being located in a rural area can save you money when talking about insurance. People who live in big cities have much more traffic and longer commutes to work. Fewer people means a lower chance of having an accident in addition to fewer liability claims.

Comparing rates from local Tampa car insurance agents

A lot of people just prefer to get advice from a local agent and that is recommended in a lot of cases Agents can point out coverage gaps and help submit paperwork. The biggest benefit of comparing rates online is that you can obtain cheaper prices and still choose a local agent.

By using this quick form, the quote information is immediately sent to insurance agents in Tampa that give free quotes for your business. It simplifies rate comparisons since you won’t have to search for an agent as quotes are delivered to you. If you have a need to get a rate quote from one company in particular, don’t hesitate to navigate to their website and complete a quote there.

Finding a good insurer is decision based upon more than just a cheap quote. Any agent in Tampa should have no problem answering these questions:

How to choose the best auto insurance agent in Tampa

If you are wanting to find a local Tampa insurance agency, it helps to know the two different types of agents from which to choose. Auto insurance agents can be classified as either independent (non-exclusive) or exclusive. Either one can write policy coverage, but it’s a good idea to understand the difference in how they write coverage since it could factor into which agent you choose.

Exclusive Auto Insurance Agents

These agents can only provide pricing for a single company and examples are AAA, Allstate, State Farm, or Farmers Insurance. They are unable to compare rates from other companies so they are skilled at selling on more than just price. Exclusive agents are very knowledgeable on their company’s products which can be an advantage.

Listed below is a short list of exclusive insurance agents in Tampa that are able to give price quotes.

14940 N Florida AveTampa, FL 33613(813) 961-6661View Map

8221 Parkedge DrTampa, FL 33637(813) 975-1866View Map

5051 Memorial HwyTampa, FL 33634(813) 243-1300View Map

View more agents

Independent Agents

Independent insurance agents are not employed by one company so they can quote policies amongst many companies and potentially find a lower price. If they quote lower rates, the agent simply finds a different carrier without you having to go to a different agency.

When comparison shopping, you will definitely want to include several independent agencies so that you have a good selection of quotes to compare.

Shown below are independent insurance agencies in Tampa willing to provide price quotes.

8019 N Himes Ave #100Tampa, FL 33614(813) 935-6629View Map

1721 W Hillsborough AveTampa, FL 33603(813) 319-1940View Map

5121 Ehrlich Rd #111Tampa, FL 33624(813) 960-4672View Map

View more agents

It’s not one size fits all

When it comes to proper insurance coverage for your vehicles, there is no “best” method to buy coverage. Your needs are not the same as everyone else’s.Higher deductibles save money

These are some specific questions can help discover if your situation will benefit from professional help.

If you’re not sure about those questions but a few of them apply, then you may want to think about talking to a licensed insurance agent. If you don’t have a local agent, take a second and complete this form. It’s fast, free and can help protect your family.

Car insurance company ratings

Picking the highest-rated insurance company is hard considering how many companies provide coverage in Florida. The rank data below could help you decide which auto insurers you want to consider when looking for cheaper rates.

Best Car Insurance Companies in Florida
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
Travelers 93 98 99 88% A++ 95.1
USAA 83 99 100 91% A++ 94.1
Mercury Insurance 97 96 88 89% A+ 93.4
AAA Insurance 91 95 92 90% A 93.3
Nationwide 85 95 97 89% A+ 92.4
Allstate 77 100 97 88% A+ 90.7
State Farm 80 94 96 88% A++ 90.6
The Hartford 88 93 91 87% A+ 90.4
Safeco Insurance 91 95 85 88% A 90.2
Progressive 88 94 83 88% A+ 90.1
American Family 91 86 95 83% A 89.7
Esurance 86 90 94 90% A+ 89.5
The General 86 93 89 84% A- 88.2
GEICO 79 89 95 87% A++ 87.8
Titan Insurance 86 82 92 86% A+ 86.5
21st Century 86 82 90 84% A 86.4
Liberty Mutual 79 87 95 78% A 85.3
Farmers Insurance 77 80 80 84% A 80.3
Compare Rates Now Go

Data Source: Best Car Insurance Companies

How much can you save?

We covered some good ideas how you can reduce Saab 9-5 insurance prices online in Tampa. It’s most important to understand that the more price quotes you have, the better your chances of lowering your rates. You may even find the biggest savings come from some of the smallest insurance companies.

Consumers leave their current company for a variety of reasons including delays in responding to claim requests, extreme rates for teen drivers, delays in paying claims and questionable increases in premium. It doesn’t matter why you want to switch finding a great new company is less work than it seems.

Discount Saab 9-5 insurance in Tampa can be sourced online and from local agencies, and you should compare rates from both to have the best selection. Some insurance companies do not offer the ability to get quotes online and most of the time these small insurance companies work with independent insurance agents.

Even more information can be read by following these links: