Saab 9-3 Insurance Rates

The average auto insurance rates for a Saab 9-3 are $850 annually including full coverage. Comprehensive costs an estimated $150, collision costs $188, and liability is $376. Liability-only insurance costs around $426 a year, with high-risk driver insurance costing around $1,816. Teenage drivers cost the most to insure at $3,376 a year or more.

Average premium for full coverage: $850

Policy rates broken down by type of insurance:

Rate estimates include $500 deductibles, liability limits of 30/60, and includes medical and uninsured motorist coverage. Prices are averaged for all 50 U.S. states and for different 9-3 trim levels.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city can have significant affects on the price of auto insurance. More rural locations are shown to have fewer comprehensive and collision claims than densely populated cities.

The price range example below illustrates the difference location can make on insurance prices.

The examples above highlight why anyone shopping for car insurance should compare rates quotes for a targeted area and their own personal driving habits, instead of using average rates.

Use the form below to get customized rates for your location.

Detailed Rate Analysis

The chart below breaks down estimated Saab 9-3 insurance rates for other coverage scenarios.

• The best discount rate is $517
• Raising to $1,000 deductibles will save approximately $78 every year
• The estimated rate for a good driver age 40 who has $500 deductibles is $850
• Using more expensive low deductibles will cost $994
• At-risk drivers who are prone to accidents and violations could pay up to $1,816 or more
• Policy cost with full coverage for a teen driver with full coverage can cost as much as $3,376

View Chart as Image

Auto insurance rates for a Saab 9-3 also range considerably based on the model year and trim level, your driving characteristics, and liability limits and deductibles.

An older driver with a good driving record and high physical damage deductibles may pay as little as $800 every 12 months on average, or $67 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they will have to pay at least $3,300 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you are likely paying $1,000 to $1,400 in extra premium every year, depending on your age. High-risk driver insurance is expensive and can cost as much as 41% to 131% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles can reduce rates by up to $230 every year, while increasing your policy's liability limits will increase premiums. Changing from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $398 extra every year. View Rates by Deductible or Liability Limit

Your home state also has a big influence on Saab 9-3 insurance prices. A middle-age driver might find rates as low as $650 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $1,210 on average in Louisiana, New York, and Michigan.

View Chart as Image

Because rates have so much variability, the best way to figure out which auto insurance is cheapest is to compare rates and see which company has the best rate. Every auto insurance company uses a different method to calculate rates, and quoted rates will be varied between companies.

Insurance Rates by Trim Level and Model Year

Rates assume 2005 model year, a 40-year-old male driver with no accidents or violations, $500 comprehensive and collision deductibles, minimum liability limits, and uninsured/under-insured motorist coverage included. Rates are for comparison only and are averaged for all 50 U.S. states.

How to Buy the Best Saab 9-3 Insurance

Finding cheaper rates on car insurance consists of not taking risks behind the wheel, having above-average credit, paying for small claims out-of-pocket, and qualifying for all possible discounts. Make time to compare rates once a year by requesting quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.

The following is a brief recap of the data that was touched on in this article.

• You may be able to save approximately $90 per year simply by shopping early and online
• Policyholders who want higher liability limits will pay an extra $410 per year to raise from a 30/60 limit to higher 250/500 limits
• Teens are the costliest to insure, with premiums being up to $281 each month if full coverage is included
• Higher risk drivers who tend to receive serious violations could be forced to pay on average $970 more annually for 9-3 insurance