It’s a fact that auto insurance companies don’t want you to look for cheaper rates. Insureds who compare other prices are likely to buy a new policy because there is a good probability of finding lower rate quotes. A recent survey revealed that people who compared rates regularly saved about $72 a month as compared to drivers who don’t regularly compare prices.
If finding the lowest price for Saab 9-3 insurance in Dallas is why you’re here, then learning about how to shop and compare insurance premiums can make the process less intimidating.
Really, the only way to get cheaper car insurance rates is to compare prices regularly from insurers in Dallas. Price quotes can be compared by completing these steps.
- Step 1: Try to understand car insurance and the modifications you can make to keep rates down. Many risk factors that cause rate increases such as speeding and an imperfect credit score can be controlled by making minor changes in your lifestyle. Keep reading for tips to get low prices and get discounts that may be available to you.
- Step 2: Compare price quotes from exclusive agents, independent agents, and direct providers. Direct and exclusive agents can provide rates from one company like Progressive or State Farm, while independent agents can give you price quotes for many different companies.
- Step 3: Compare the new rate quotes to your existing coverage to determine if switching companies saves money. If you can save some money and switch companies, ensure coverage does not lapse between policies.
- Step 4: Give notification to your current company of your intention to cancel your current policy. Submit payment and a completed application to your new insurance company. Immediately keep the new proof of insurance paperwork with your registration paperwork.
One thing to remember is to use identical limits and deductibles on each quote request and and to get quotes from as many car insurance companies as possible. This ensures a fair price comparison and a better comparison of the market.
Buying the cheapest car insurance in Dallas is not that difficult. If you currently have car insurance, you will surely be able to save money using these methods. But Texas car owners must understand the methods companies use to price insurance differently and use it to your advantage.
The quickest method we recommend to compare car insurance rates for Saab 9-3 insurance in Dallas is to know the trick all the major auto insurance companies participate in online systems to compare rate quotes. To begin a comparison, all you need to do is spend a couple of minutes providing details like driver ages, your occupation, how your vehicles are used, and your general credit rating. Those rating factors is then sent to multiple different insurance companies and they respond with quotes with very little delay.
To compare cheap Saab 9-3 insurance rates now, click here and find out if lower rates are available in Dallas.
The companies shown below are ready to provide free quotes in Dallas, TX. If multiple companies are listed, it’s highly recommended you visit two to three different companies to get the best price comparison.
Insurance data for a Saab 9-3
The premium information displayed next highlights estimates of coverage prices for Saab 9-3 models. Having a better idea how insurance premiums are figured is important for making smart buying decisions.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| 9-3 2.0T 4-Dr Sedan | $176 | $378 | $366 | $22 | $110 | $1,052 | $88 |
| 9-3 2.0T Station Wagon | $176 | $378 | $366 | $22 | $110 | $1,052 | $88 |
| 9-3 2.0T XWD 4-Dr Sedan | $176 | $378 | $366 | $22 | $110 | $1,052 | $88 |
| 9-3 Aero 4-Dr Sedan | $196 | $436 | $366 | $22 | $110 | $1,130 | $94 |
| 9-3 2.0T 2-Dr Convertible | $196 | $436 | $430 | $26 | $128 | $1,216 | $101 |
| 9-3 2.0T XWD Station Wagon | $196 | $436 | $366 | $22 | $110 | $1,130 | $94 |
| 9-3 Aero Station Wagon | $196 | $436 | $366 | $22 | $110 | $1,130 | $94 |
| 9-3 Aero XWD 4-Dr Sedan | $196 | $436 | $366 | $22 | $110 | $1,130 | $94 |
| 9-3 Aero 2-Dr Convertible | $216 | $494 | $430 | $26 | $128 | $1,294 | $108 |
| Get Your Own Custom Quote Go | |||||||
Price data assumes single male driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Texas minimum liability limits. Discounts applied include multi-vehicle, safe-driver, claim-free, homeowner, and multi-policy. Rates do not factor in the specific area where the vehicle is garaged which can revise coverage rates considerably.
Higher deductibles lower rates
When shopping for insurance, a common question is how high or low should comp and collision deductibles be. The data tables below can help illustrate the difference in cost when you choose different deductibles. The first data table uses a $100 deductible for comp and collision and the second pricing table uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| 9-3 2.0T 4-Dr Sedan | $370 | $698 | $324 | $20 | $96 | $1,533 | $128 |
| 9-3 2.0T Station Wagon | $370 | $698 | $324 | $20 | $96 | $1,533 | $128 |
| 9-3 2.0T XWD 4-Dr Sedan | $370 | $698 | $324 | $20 | $96 | $1,533 | $128 |
| 9-3 Aero 4-Dr Sedan | $412 | $804 | $324 | $20 | $96 | $1,681 | $140 |
| 9-3 2.0T 2-Dr Convertible | $412 | $804 | $382 | $22 | $114 | $1,759 | $147 |
| 9-3 2.0T XWD Station Wagon | $412 | $804 | $324 | $20 | $96 | $1,681 | $140 |
| 9-3 Aero Station Wagon | $412 | $804 | $324 | $20 | $96 | $1,681 | $140 |
| 9-3 Aero XWD 4-Dr Sedan | $412 | $804 | $324 | $20 | $96 | $1,681 | $140 |
| 9-3 Aero 2-Dr Convertible | $454 | $908 | $382 | $22 | $114 | $1,905 | $159 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| 9-3 2.0T 4-Dr Sedan | $270 | $472 | $324 | $20 | $96 | $1,182 | $99 |
| 9-3 2.0T Station Wagon | $270 | $472 | $324 | $20 | $96 | $1,182 | $99 |
| 9-3 2.0T XWD 4-Dr Sedan | $270 | $472 | $324 | $20 | $96 | $1,182 | $99 |
| 9-3 Aero 4-Dr Sedan | $300 | $542 | $324 | $20 | $96 | $1,282 | $107 |
| 9-3 2.0T 2-Dr Convertible | $300 | $542 | $382 | $22 | $114 | $1,360 | $113 |
| 9-3 2.0T XWD Station Wagon | $300 | $542 | $324 | $20 | $96 | $1,282 | $107 |
| 9-3 Aero Station Wagon | $300 | $542 | $324 | $20 | $96 | $1,282 | $107 |
| 9-3 Aero XWD 4-Dr Sedan | $300 | $542 | $324 | $20 | $96 | $1,282 | $107 |
| 9-3 Aero 2-Dr Convertible | $332 | $614 | $382 | $22 | $114 | $1,464 | $122 |
| Get Your Own Custom Quote Go | |||||||
Data variables include married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include claim-free, homeowner, multi-policy, multi-vehicle, and safe-driver. Rate information does not factor in vehicle location which can influence prices considerably.
Based on these figures, using a $100 deductible costs about $32 more each month or $384 annually across all Saab 9-3 models than selecting the higher $500 deductible. Because you would pay $400 more if you file a claim with a $500 deductible as compared to a $100 deductible, if you tend to have at least 13 months between claims, you would more than likely save some money if you opt for a higher deductible.
The chart below demonstrates how deductibles and can influence Saab 9-3 annual premium costs for each age group. The rate quotes are based on a single male driver, full coverage, and no additional discounts are factored in.
Should you buy full coverage?
The chart below shows the comparison of Saab 9-3 car insurance costs when comparing full coverage to liability only. The costs are based on a clean driving record, no at-fault accidents, $100 deductibles, drivers are single, and no discounts are applied.
Should you be buying full coverage?
There isn’t a steadfast formula to eliminate comprehensive and collision coverage on your policy, but there is a broad guideline. If the annual cost of your full coverage insurance is 10% or more of the vehicle’s replacement cost less your deductible, then it might be time to buy liability only.
For example, let’s assume your Saab 9-3 claim settlement value is $3,000 and you have $1,000 full coverage deductibles. If your vehicle is totaled, the most your company would pay you is $2,000 after paying your deductible. If it’s costing you more than $200 annually for comprehensive and collision coverage, then you might consider buying liability only.
There are some circumstances where only buying liability is not in your best interest. If you still have a lienholder on your title, you have to keep full coverage to satisfy the loan requirements. Also, if you cannot afford to purchase a different vehicle in the even your car is totaled, you should maintain full coverage.
Insurance can get complicated
When buying coverage online or from an agent, there isn’t really a one size fits all plan. Your needs are not the same as everyone else’s and your insurance should be unique as well.
For instance, these questions can help discover if your insurance needs may require specific advice.
- Can I make deliveries for my home business?
- Should I file a claim if it’s only slightly more than my deductible?
- How do I file an SR-22 for a DUI in Texas?
- Are my friends covered when driving my Saab 9-3?
- Is my nanny covered when transporting my kids?
- Which companies will insure high-risk drivers?
If you can’t answer these questions but you know they apply to you, then you may want to think about talking to an agent. To find lower rates from a local agent, fill out this quick form or click here for a list of insurance companies in your area.
Buying car insurance from Dallas auto insurance agents
Some people just want to get advice from a local agent and we recommend doing that One of the great benefits of getting free rate quotes online is the fact that drivers can get cheap rate quotes and still have a local agent.
To find an agent, once you fill out this short form, your information is instantly submitted to local insurance agents that can provide free Dallas car insurance quotes for your coverage. You never need to contact an agency since rate quotes are delivered directly to your email. You can find the lowest rates and a licensed agent to talk to. If you need to quote rates from a particular provider, just search and find their rate quote page and fill out the quote form the provide.
Choosing an insurance company requires more thought than just the premium amount. These are valid questions to ask:
- What will you get paid if your car is a total loss? How is that amount determined?
- Do they regularly work with personal auto policies in Dallas?
- Do they assist clients in filing claims?
- Is insurance their full-time profession?
- Will they give you a referral list?
- If you have an accident, will your rates go up?
- Does the agent have professional designations like CIC, CPCU or AIC?
If you want to use a reliable agent, you should know the types of insurance agents that you can choose from. Car insurance agents may be either independent (non-exclusive) or exclusive.
Exclusive Insurance Agencies
Agents that elect to be exclusive are contracted to one company like American Family, State Farm, and Allstate. Exclusive agencies are unable to compare other company’s rates so you might not find the best rates. They are well trained on their company’s products which helps overcome the inability to quote other rates. Consumers sometimes buy from exclusive agents mainly due to the brand name rather than having low rates.
Below is a short list of exclusive insurance agencies in Dallas who can help you get price quotes.
- Linda Horton State Farm Insurance Agency
8150 N Central Expy #735 – Dallas, TX 75206 – (214) 363-4563 – View Map - Kelvin Nunley – State Farm Insurance Agent
1441 N Cockrell Hill Rd #100 – Dallas, TX 75211 – (214) 333-0404 – View Map - Roxy Brown – State Farm Insurance Agent
12640 E Northwest Hwy, Ste 408 – Dallas, TX 75228 – (972) 681-6128 – View Map
Independent Agents (or Brokers)
Agents of this type are appointed with more than one company and that gives them the ability to insure with any number of different companies and find the cheapest rate. If you are not satisfied with one company, they simply move the coverage in-house and you stay with the same agent. When comparing car insurance prices, you should always get several quotes from independent agents for the best price selection. Most have the option of insuring with smaller mutual companies that many times have cheaper rates.
The following are independent insurance agents in Dallas that are able to give comparison quotes.
- Ross “Pistol” Love – Love Insurance Agency
5400 E Mockingbird Ln #224 – Dallas, TX 75206 – (214) 843-0772 – View Map - Stewart Insurance Agency
437 W 12th St – Dallas, TX 75208 – (214) 948-7600 – View Map - Eves Insurance Agency
1318 Pioneer Dr – Dallas, TX 75224 – (214) 941-1300 – View Map
If you get good responses to any questions you have as well as a affordable price, it’s a good possibility that you have found an insurance agency that will properly service your car insurance policy.