Cheapest Quotes for Saab 9-5 Insurance in Irvine

If you are new to getting Irvine car insurance quotes online, it’s easy to be baffled thanks to all the different types of online insurance companies and websites all promising to save you money.

Unbelievably, the majority of drivers renewed their policy with the same company for well over three years, and just short of a majority have never compared rates with other companies. With the average premium in California being $1,400, drivers can save roughly 35% each year just by shopping around, but they don’t invest the time required to compare other rate quotes.

The majority of larger companies allow you to get prices on the web. Comparing Saab 9-5 insurance rates online is pretty painless because you just enter your coverage preferences into the form. After you complete the form, their quoting system obtains information on your driving record and credit history and returns a price quote.

Using the web to get rate quotes for Saab 9-5 insurance in Irvine makes it simple to compare prices and it is imperative to have as many quotes as possible if you want to find cheaper auto insurance pricing.

To quickly find out if lower rates are available, consider comparing rates from the companies shown below. If you currently have coverage, we recommend you type in the limits and deductibles identical to your current policy. This way, you will be getting rate comparison quotes based on similar coverages.

The companies shown below offer comparison quotes in Irvine, CA. If multiple companies are listed, it’s highly recommended you compare several of them to get the lowest price.

Auto insurance policy discounts you can’t miss

Car insurance companies don’t always list every discount in an easy-to-find place, so here is a list a few of the more well known and the more hidden discounts that may be available.

• Defensive Driving Course – Taking a safe driver course could save 5% or more and make you a better driver.
• Accident Forgiveness Coverage – Not necessarily a discount, but some companies like Progressive, State Farm and GEICO will allow you to have one accident before hitting you with a surcharge so long as you are claim-free for a certain period of time.
• Bundled Policy Discount – If you can bundle your auto and home insurance with the same insurance company they may give you a discount of up to 20% off your total 9-5 insurance premium.
• Driving Data Discount – Irvine drivers who agree to allow their company to monitor driving patterns remotely such as Drivewise from Allstate or Snapshot from Progressive may see discounts as long as they are good drivers.
• Student Discount for Driver Training – Make teen driver coverage more affordable by requiring them to enroll in driver’s education if it’s offered in school.

You can save money using discounts, but most credits do not apply to your bottom line cost. Some only reduce individual premiums such as collision or personal injury protection. So when it seems like all the discounts add up to a free policy, it doesn’t quite work that way.

The illustration below illustrates the comparison of Saab 9-5 auto insurance rates with and without policy discounts. The data is based on a female driver, no claims, a clean driving record, California state minimum liability limits, comp and collision included, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, multi-policy, claim-free, homeowner, safe-driver, and multi-car discounts applied.

A few of the larger companies and their possible discounts include:

• Farmers Insurance offers premium reductions for mature driver, business and professional, good student, alternative fuel, and multi-car.
• State Farm may offer discounts for Drive Safe & Save, student away at school, accident-free, good driver, and driver’s education.
• Liberty Mutual includes discounts for hybrid vehicle, new graduate, teen driver discount, safety features, newly married, good student, and multi-car.
• MetLife offers discounts including good student, claim-free, accident-free, good driver, defensive driver, and multi-policy.
• Progressive has discounts for online signing, multi-policy, homeowner, online quote discount, and good student.

Before buying, ask each insurance company which discounts you may be entitled to. A few discounts might not be available to policyholders in Irvine. To see a list of providers with discount auto insurance rates in Irvine, click here.

Analysis of Saab 9-5 rates

The price information shown below highlights detailed analysis of insurance policy prices for Saab 9-5 models. Being able to understand how prices are calculated can help guide drivers when making smart choices when buying a policy.

Above prices assume married male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include safe-driver, homeowner, multi-vehicle, claim-free, and multi-policy. Prices do not factor in specific garaging location which can alter price quotes significantly.

How high should deductibles be?

One frequently asked question is how high should your deductibles be. The figures shown below may help you to understand the rate fluctuation when you buy lower versus higher physical damage deductibles. The first set of prices uses a $250 deductible and the second data table uses a $500 deductible.

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

Using the data above, we can ascertain that using a $250 deductible costs an average of $24 more each month or $288 a year averaged for all 9-5 models than selecting the higher $500 deductible. Because you would pay $250 more if you file a claim with a $500 deductible as compared to a $250 deductible, if you normally average more than 10 months between claim filings, you would come out ahead by going with a higher deductible.

Male drivers versus female drivers

The chart below shows the comparison of Saab 9-5 car insurance costs for male and female drivers. The premium estimates are based on a clean driving record, no at-fault accidents, comp and collision included, $250 deductibles, marital status is single, and no policy discounts are applied.

Full coverage or liability only

The illustration below shows the comparison of Saab 9-5 insurance rates with and without physical damage coverage. The premiums assume no driving violations, no at-fault accidents, $1,000 deductibles, drivers are not married, and no discounts are applied.

When to eliminate full coverage

There is no clear-cut rule to delete comp and collision coverage, but there is a general guideline. If the yearly cost of full coverage is about 10% or more of any settlement you would receive from your insurance company, the it may be a good time to stop paying for full coverage.

For example, let’s say your Saab 9-5 book value is $3,000 and you have $1,000 deductibles. If your vehicle is damaged in an accident, the most you would receive is $2,000 after paying the physical damage deductible. If you are paying more than $200 a year for full coverage, then it might be time to consider dropping full coverage.

There are a few cases where only buying liability is not in your best interest. If you still owe money on your vehicle, you must maintain physical damage coverage as part of the loan conditions. Also, if your emergency fund is not enough to purchase a different vehicle in the even your car is totaled, you should keep full coverage in place.

Compare rates but still have a local neighborhood Irvine car insurance agent

Some people would prefer to get professional advice from a licensed agent. One of the benefits of comparing rates online is that you can find the best rates and still have an agent to talk to.

For easy comparison, once you complete this form (opens in new window), your insurance data is emailed to insurance agents in Irvine who will give you bids for your auto insurance coverage. It makes it easy because there is no need to search for an agent due to the fact that quote results will go immediately to your email address. You can get cheaper auto insurance rates without having to waste a lot of time. If for some reason you want to compare prices for a specific company, feel free to navigate to their website and submit a quote form there.

Finding a good insurance company requires more thought than just the bottom line cost. These are some questions your agent should answer.

• What will you get paid if your car is a total loss? How is that amount determined?
• Has the agent ever had any license suspensions?
• Are they in the agency full-time?
• Do they get paid more for recommending certain coverages?
• Can they give you a list of client referrals?
• Will they make sure you get an adequate claim settlement?
• By raising physical damage deductibles, how much would you save?
• How long have they worked with personal auto insurance coverage?

When narrowing the list to find a local insurance agency, you should know the types of insurance agents and how they can service your needs differently. Auto insurance policy providers can be classified as either independent agents or exclusive agents depending on their employer.

Exclusive Insurance Agents

These agents have only one company to place business with such as Farmers Insurance or State Farm. These agents are not able to compare other company’s rates so if the price isn’t competitive there isn’t much they can do. Exclusive insurance agents are trained well on their products and sales techniques and that enables them to sell even at higher rates. Consumers sometimes use the same exclusive agent mainly due to the brand and the convenience of having a single billing for all their coverages.

Listed below is a short list of exclusive insurance agencies in Irvine who can help you get price quotes.

• Allstate Insurance: Jeff Adams
  4860 Irvine Blvd Ste 206 – Irvine, CA 92620 – (714) 505-2457 – View Map
• Sharon Leung – State Farm Insurance Agent
  18004 Sky Park Cir #250 – Irvine, CA 92614 – (949) 252-0900 – View Map
• Mike McCain – State Farm Insurance Agent
  1442 Irvine Blvd #204 – Tustin, CA 92780 – (714) 734-8300 – View Map

More insurance agents

Independent Auto Insurance Agencies

Independent insurance agents are not required to write business for one company so as a result can place your coverage with multiple insurance companies enabling the ability to shop coverage around. If they quote lower rates, they simply switch companies in-house which requires no work on your part.

When comparing auto insurance prices, you should always compare prices from multiple independent agents to get the most accurate price comparison. Many independent agencies also insure through mutual insurance companies which can be an advantage.

Shown below are Irvine independent insurance agencies who can help you get price quote information.

• Professional Choice Insurance
  2151 Michelson Dr Suite 250 – Irvine, CA 92612 – (714) 467-8726 – View Map
• Roger Stone Insurance Agency
  5015 Birch St – Newport Beach, CA 92660 – (949) 757-0270 – View Map
• Tustin Insurance Agency
  17621 Irvine Blvd #112 – Tustin, CA 92780 – (714) 838-1704 – View Map

More insurance agents

If you receive good answers as well as inexpensive Saab 9-5 insurance in Irvine quotes, most likely you have located an insurance agency that is a good match to properly service your auto insurance policy. But keep in mind you can always cancel your policy for any reason so don’t feel that you are permanently stuck with the auto insurance policy for a certain time period.

You may need specialized car insurance coverage

When choosing the best car insurance coverage, there is no single plan that fits everyone. Your needs are unique to you.

For instance, these questions can help discover whether or not you would benefit from an agent’s advice.

• Does my policy cover me when driving someone else’s vehicle?
• When would I need additional glass coverage?
• What happens if I owe more than my Saab 9-5 is worth?
• Should I buy only the required California minimum liability coverage?
• Are split liability limits better than a combined single limit?
• Do I need replacement cost coverage on my Saab 9-5?

If it’s difficult to answer those questions but you think they might apply to your situation, then you may want to think about talking to a licensed insurance agent. If you want to speak to an agent in your area, take a second and complete this form.

Find More Affordable Car Insurance with These Tips

When buying car insurance it’s important to understand the factors that play a part in calculating car insurance rates. If you know what positively or negatively impacts your premiums, this helps enable you to make changes that can earn you cheaper rates.

Save by driving vehicles with better crash test results – Cars with five star safety ratings tend to have better insurance rates. Vehicles engineered for safety reduce occupant injuries and lower injury rates means less money paid by your insurance company and thus lower rates. If your Saab is rated at least an “acceptable” rating on the Insurance Institute for Highway Safety website you may qualify for a discount.

Rates go up with performance – The type of car, truck or SUV you are trying to find cheaper insurance for makes a substantial difference in your rates. The lowest base rates are for low performance passenger vehicles, but other factors influence the final cost greatly.

The following chart uses these assumptions: married male driver age 30, full coverage with $1000 deductibles, and no discounts or violations. It compares Saab 9-5 insurance rates compared to other makes and models that have different performances.

Never let your car insurance lapse – Allowing your coverage to lapse is a fast way to bump up your car insurance costs. And not only will your rates increase, getting caught without coverage could earn you fines or a revoked license. Then you may be required to file a SR-22 with the California department of motor vehicles.

Youthful drivers pay higher prices – Older, more experienced drivers are more responsible, cost insurance companies less in claims, and are generally more financially stable. Drivers with little experience have been known to be more careless when at the wheel of a vehicle and because of this, their car insurance rates are much higher.

The next chart assumes a single driver, full coverage with $100 deductibles, and no discounts or violations.

Your address can impact price – Having an address in less populated areas of the country has definite advantages when talking about car insurance. Urban drivers have more aggressive driving styles and longer commute times. Lower population translates into fewer accident claims.

The higher your credit rating the lower your rates – Your credit score is likely to be a major factor in calculating your premium rate. Therefore, if your credit score leaves room for improvement, you could pay less to insure your Saab 9-5 by improving your credit score. Insureds with high credit scores tend to file fewer claims as compared to drivers with bad credit.

Why insurance is not optional

Even though Irvine 9-5 insurance rates can get expensive, maintaining insurance serves an important purpose.

• Most states have mandatory liability insurance requirements which means you are required to carry a specific level of liability if you drive a vehicle. 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 you bought your vehicle with a loan, almost all lenders will make it mandatory that you have insurance to ensure loan repayment if the vehicle is totaled. If coverage lapses or is canceled, the lender will be forced to insure your Saab at a much higher rate and require you to pay the higher premium.
• Insurance preserves your Saab 9-5 and your assets. It will also provide coverage for medical expenses for yourself as well as anyone injured by you. Liability coverage will also pay for a defense attorney if you are sued as the result of an accident. If your Saab gets damaged, collision and comprehensive coverages will pay all costs to repair after the deductible has been paid.

The benefits of having insurance are definitely more than the cost, particularly for liability claims. But the average driver in California overpays as much as $850 per year so shop around at every policy renewal to ensure rates are competitive.

What is the best car insurance company in Irvine?

Finding a good quality company can be rather challenging considering how many different insurance companies sell coverage in Irvine. The rank data shown below could help you select which providers you want to consider comparing price quotes from.

Top 10 Irvine Car Insurance Companies Ranked by Customer Service

1. AAA of Southern California
2. GEICO
3. State Farm
4. The Hartford
5. Mercury Insurance
6. The General
7. Progressive
8. Allstate
9. AAA Insurance
10. American Family

Smart shoppers get results

When trying to cut insurance costs, it’s not a good idea to buy less coverage just to save a little money. Too many times, an insured dropped uninsured motorist or liability limits and discovered at claim time they didn’t have enough coverage. Your objective should be to find the BEST coverage for the lowest cost, but do not skimp to save money.

Consumers change insurance companies for many reasons like policy non-renewal, unfair underwriting practices, delays in paying claims or even an unsatisfactory settlement offer. It doesn’t matter what your reason, finding a new company can be easier than you think.

Some companies don’t offer online rate quotes and these small insurance companies sell through local independent agents. More affordable auto insurance in Irvine is possible on the web in addition to local insurance agencies, so you should compare both to have the best rate selection.

Steps to finding discount Saab 9-5 insurance in Irvine

Truthfully, the best way to find affordable quotes for Saab 9-5 insurance is to make a habit of regularly comparing prices from insurers in Irvine.

1. Take a few minutes and learn about how auto insurance works and the measures you can control to drop your rates. Many rating criteria that cause rate increases like high-risk driving behaviors and a bad credit rating can be improved by improving your driving habits or financial responsibility.
2. Quote rates from direct, independent, and exclusive agents. Exclusive agents and direct companies can provide rates from one company like Progressive or State Farm, while independent agencies can provide rate quotes from multiple companies. Select a company
3. Compare the quotes to the premium of your current policy to see if cheaper 9-5 coverage is available. If you can save some money and buy the policy, make sure coverage is continuous and does not lapse.
4. Provide proper notification to your current company to cancel your current policy and submit a down payment along with a signed application to your new insurance company. Immediately put the certificate verifying coverage in your vehicle’s glove compartment or console.

A key point to remember is that you’ll want to make sure you compare the same deductibles and limits on every price quote and and to get rates from as many companies as feasibly possible. This enables the most accurate price comparison and plenty of rates choose from.

Much more information about auto insurance in California can be read at these links:

• All About Airbag Safety (State Farm)
• Who Has the Cheapest Irvine Car Insurance Rates for Inexperienced Drivers? (FAQ)
• Who Has Affordable Auto Insurance Rates for Government Employees in Irvine? (FAQ)
• How Much are Car Insurance Quotes for Active Military in Irvine? (FAQ)
• What Car Insurance is Cheapest for a Learners Permit in Irvine? (FAQ)
• Who Has the Cheapest Auto Insurance for Teenage Males in Irvine? (FAQ)
• Car Insurance for Teen Drivers with Divorced Parents (Allstate)
• Property Damage Coverage (Liberty Mutual)
• How to Avoid Buying a Flooded Car (Insurance Information Institute)
• Dangers of fake or stolen airbags (Insurance Institute for Highway Safety)