How long has it been since the last time you looked for the cheapest Saab 9-5 insurance in Phoenix? Getting budget Phoenix Saab 9-5 insurance quotes can seem to be somewhat intimidating for people new to online price comparisons. Because there are so many insurers to choose from, how can anyone have the ability to compare the different rates to find the cheapest available price?
Unbelievable but true according to a study the vast majority of car insurance customers kept their coverage with the same car insurance company for over three years, and almost 40% of drivers have never compared quotes from other companies. Drivers in Phoenix could save 50% each year, but they won’t spend time to do a rate comparison.
You should make it a habit to quote other rates before your policy renews because prices are usually higher with each renewal. Despite the fact that you may have had the best price on Saab 9-5 insurance in Phoenix six months ago the chances are good that you can find a lower rate today. Forget all the misinformation about car insurance because you’re about to find out how to use the internet to find better coverage on Saab 9-5 insurance in Phoenix at a better price.
If you have insurance now, you will surely be able to get lower rates using the following tips. Obtaining price quotes for affordable insurance policy in Phoenix is simple if you know the tricks. But Arizona vehicle owners benefit from understanding how insurance companies market on the web and use it to find better rates.
Low-cost companies for Saab 9-5 insurance in Arizona
The companies in the list below offer price quotes in Phoenix, AZ. If the list has multiple companies, we suggest you visit as many as you can in order to find the most competitive rates.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|9-5 Aero XWD 4-Dr Sedan||$204||$410||$288||$18||$86||$1,006||$84|
|Get Your Own Custom Quote Go|
Data based on married male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Arizona minimum liability limits. Discounts applied include homeowner, safe-driver, claim-free, multi-vehicle, and multi-policy. Rate information does not factor in specific location which can affect coverage rates noticeably.
How accidents and violations affect rates in Phoenix
The illustration below shows how violations and accidents can impact Saab 9-5 yearly insurance costs for different age categories. The data assumes a married male driver, full physical damage coverage, $100 deductibles, and no discounts are applied.
The information below illustrates how your deductible choice and can impact Saab 9-5 insurance costs for different age groups. Data assumes a married male driver, comp and collision included, and no discounts are applied to the premium.
Discounts mean cheaper rates for Saab 9-5 insurance in Phoenix
Some companies do not list every policy discount very clearly, so the list below contains both well-publicized as well as some of the hidden discounts that you can inquire about if you buy Phoenix car insurance online.
- Senior Citizens – Older drivers can possibly qualify for lower premium rates.
- Early Signing – Some insurance companies give discounts for switching companies early. You may see this discount when you get Phoenix car insurance quotes online.
- Club Memberships – Affiliation with a civic or occupational organization in Phoenix could qualify you for a break on your bill.
- Discount for Multiple Policies – If you combine your homeowners and auto policies and place coverage with the same company you may save at least 10% off all policies.
- Telematics Data Discounts – Phoenix drivers who agree to allow driving data submission to study when and where they use their vehicle remotely such as Allstate’s Drivewise and State Farm’s In-Drive system may get a rate reduction if they are good drivers.
- Low Mileage Discounts – Keeping the miles down on your Saab may allow you to get better rates on cars that stay parked.
We need to note that most discounts do not apply to your bottom line cost. The majority will only reduce the cost of specific coverages such as medical payments or collision. Even though it appears it’s possible to get free car insurance, you aren’t that lucky.
If you would like to see a list of insurance companies offering insurance discounts in Phoenix, click this link.
Car insurance agents near you
Many drivers prefer to visit with an insurance agent and that is a personal choice. One of the benefits of comparing insurance prices online is the fact that you can find lower rates and still have an agent to talk to. Buying from and supporting local insurance agents is definitely important in Phoenix.
After completing this quick form, your insurance coverage information is transmitted to agents in your area who can give free rate quotes for your coverage. You don’t have to contact any insurance agencies as quotes are delivered to you. It’s the lowest rates without requiring a lot of work. In the event you want to get a price quote from a specific insurance company, you just need to visit that company’s website to submit a rate quote request.
What type of Phoenix car insurance agent is right for you?
When narrowing the list to find a reliable agent, it can be helpful to understand the different types of agencies to choose from. Agents in Phoenix are considered either independent or exclusive depending on the company they work for.
Independent Insurance Agents (or Brokers)
Agents in the independent channel can sell policies from many different companies and that gives them the ability to insure through many different insurance companies and find the cheapest rate. If your premiums go up, your agent can just switch to a different company and you stay with the same agent. If you need lower rates, you absolutely need to get rate quotes from at least one independent agent for the best price selection. Most also write with mutual insurance companies that many times have cheaper rates.
Listed below are Phoenix independent agents that may be able to give you free price quotes.
- General Southwest Insurance Agency
5628 E Thomas Rd – Phoenix, AZ 85018 – (480) 990-1900 – View Map
- Citywide Insurance
1529 W Thomas Rd – Phoenix, AZ 85015 – (602) 241-9200 – View Map
- Travelers Insurance
22601 N 19th Ave #216 – Phoenix, AZ 85027 – (623) 572-0032 – View Map
Exclusive Insurance Agents
Agents in the exclusive channel can only provide one company’s prices and examples are American Family, State Farm, and AAA. These agents are not able to provide rate quotes from other companies so they are skilled at selling on more than just price. Exclusive insurance agents are trained well on their products and sales techniques and that can be a competitive advantage. Drivers often buy insurance from these agents partially due to the brand legacy rather than low price.
The following are exclusive agents in Phoenix who can help you get comparison quotes.
- American Family Insurance – Jennifer Swenson
4731 N Central Ave – Phoenix, AZ 85012 – (602) 995-9334 – View Map
- Bob Schneider – State Farm Insurance Agent
243 W Portland St – Phoenix, AZ 85003 – (602) 277-2687 – View Map
- GEICO Insurance Agent
9515 W Camelback Rd #134 – Phoenix, AZ 85037 – (602) 234-3426 – View Map
Picking an auto insurance agent requires more thought than just a cheap quote. Before buying a policy in Phoenix, get answers to these questions.
- Is working in the agency their full-time job?
- Will the company cover a rental car if your car is getting fixed?
- If you raise deductibles, how much can you save?
- Can you use your own choice of collision repair facility?
- Is the agent and/or agency licensed to do business in Arizona?
- Will a damage claim use OEM or aftermarket replacement parts?
After receiving good answers for all questions you ask as well as an affordable premium quote, most likely you have located a car insurance agent that is reputable and can properly service your insurance policy. It’s important to know that it’s your coverage and you can terminate coverage when you choose so don’t assume you are locked into the insurance policy for a certain time period.
The coverage is in the details
Understanding the coverages of your policy aids in choosing the best coverages for your vehicles. Policy terminology can be difficult to understand and coverage can change by endorsement.
Collision coverage pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You first must pay a deductible then the remaining damage will be paid by your insurance company.
Collision coverage protects against claims such as backing into a parked car, hitting a parking meter, rolling your car, hitting a mailbox and driving through your garage door. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are older. Another option is to increase the deductible on your 9-5 to bring the cost down.
Comprehensive insurance will pay to fix damage OTHER than collision with another vehicle or object. You need to pay your deductible first and then insurance will cover the rest of the damage.
Comprehensive can pay for claims like rock chips in glass, hitting a deer, damage from getting keyed, vandalism and theft. The maximum amount you’ll receive from a claim is the actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.
Uninsured and underinsured coverage
Uninsured or Underinsured Motorist coverage provides protection when the “other guys” do not carry enough liability coverage. Covered losses include injuries sustained by your vehicle’s occupants and damage to your Saab 9-5.
Due to the fact that many Arizona drivers only carry the minimum required liability limits (which is 15/30/10), it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Usually the UM/UIM limits are similar to your liability insurance amounts.
Liability car insurance
This provides protection from injuries or damage you cause to other people or property. Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see liability limits of 15/30/10 that means you have a $15,000 limit per person for injuries, a per accident bodily injury limit of $30,000, and a limit of $10,000 paid for damaged property. Occasionally you may see one number which is a combined single limit which provides one coverage limit with no separate limits for injury or property damage.
Liability coverage pays for claims such as structural damage, bail bonds and repair bills for other people’s vehicles. How much liability should you purchase? That is up to you, but consider buying as high a limit as you can afford. Arizona state law requires minimum liability limits of 15/30/10 but it’s recommended drivers buy better liability coverage.
Coverage for medical payments
Medical payments and Personal Injury Protection insurance reimburse you for bills for funeral costs, X-ray expenses, chiropractic care and nursing services. They are often used in conjunction with a health insurance plan or if you do not have health coverage. They cover both the driver and occupants and will also cover being hit by a car walking across the street. Personal Injury Protection is not available in all states and gives slightly broader coverage than med pay
Smart consumers save more
Insureds switch companies for a variety of reasons including unfair underwriting practices, delays in paying claims, poor customer service and even extreme rates for teen drivers. Regardless of your reason, finding a great new company is less work than it seems.
A few companies may not have online rate quotes and many times these smaller providers sell through independent insurance agents. Lower-priced insurance in Phoenix is attainable online as well as from independent agents in Phoenix, so compare prices from both in order to have the best chance of saving money.
As you shop your coverage around, it’s a bad idea to sacrifice coverage to reduce premiums. There are many occasions where an insured dropped full coverage only to find out they didn’t have enough coverage. Your goal should be to purchase a proper amount of coverage at a price you can afford, but don’t skip important coverages to save money.
For more information, feel free to visit these articles:
- Protecting Teens from Drunk Driving (Insurance Information Institute)
- Who Has the Cheapest Car Insurance Quotes for Unemployed Drivers in Phoenix? (FAQ)
- Who Has Affordable Auto Insurance for a Honda Civic in Phoenix? (FAQ)
- Who Has Cheap Phoenix Auto Insurance Rates for Drivers Over Age 70? (FAQ)
- Who Has the Cheapest Auto Insurance Quotes for High Risk Drivers in Phoenix? (FAQ)
- How Much is Car Insurance for Uninsured Drivers in Phoenix? (FAQ)
- Who Has Affordable Phoenix Auto Insurance for a Ford Fusion? (FAQ)
- Five Tips to Save on Auto Insurance (Insurance Information Institute)
- Safety Belts FAQ (iihs.org)
- What is a Telematics Device? (Allstate)