Compare Saab 9-5 Insurance Quotes in Boston

No one enjoys paying for car insurance, especially knowing they could find better rates elsewhere.

It’s shocking but a large majority of car insurance policyholders in Massachusetts have remained with the same car insurance company for at least four years, and approximately 40% of consumers have never shopped around. The average driver in the U.S. can save up to $850 each year just by getting comparison quotes, but they just don’t understand how easy it is to compare rate quotes online.

How to find cheaper rates for Saab 9-5 insurance in Boston

The best way to save on Saab 9-5 insurance is to do a yearly price comparison from different companies in Boston. Rate comparisons can be done by following these guidelines.

• First, spend a few minutes and learn about how insurance companies determine prices and the measures you can control to prevent rate increases. Many rating factors that cause high rates like distracted driving and a low credit score can be eliminated by making minor changes in your lifestyle.
• Second, get rate quotes from direct, independent, and exclusive agents. Direct and exclusive agents can give quotes from one company like GEICO or Farmers Insurance, while independent agencies can quote rates from many different companies.
• Third, compare the quotes to the premium of your current policy and see if you can save money. If you find a better price and buy the policy, make sure coverage does not lapse between policies.

The most important part of shopping around is that you use the same liability limits and deductibles on each price quote and and to compare as many companies as possible. This guarantees the most accurate price comparison and a thorough price selection.

Multiple auto insurance companies compete for your business, and it can be difficult to compare rates to find the absolute best rate on Saab 9-5 insurance in Boston.

It’s smart to quote other rates at least once a year since prices fluctuate regularly. Even if you think you had the best deal on Saab 9-5 insurance in Boston six months ago you will most likely find a better premium rate today. Block out anything you think you know about car insurance because we’re going to show you the right way to properly buy coverages and cut your premium.

How to buy Saab 9-5 insurance in Boston, MA

The providers in the list below offer free quotes in Massachusetts. If your goal is to find cheaper auto insurance in Boston, it’s a good idea that you compare several of them to get a more complete price comparison.

Saab 9-5 insurance analysis

The information shown below highlights a range of coverage costs for Saab 9-5 models. Having a good understanding how prices are formulated can help guide drivers when making decisions on the best policy to buy.

Data rating is based on married male driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Massachusetts minimum liability limits. Discounts applied include homeowner, multi-vehicle, claim-free, safe-driver, and multi-policy. Price information does not factor in specific Boston garaging location which can lower or raise coverage prices significantly.

Policy deductible comparison

One of the most common car insurance questions is where to set your physical damage deductibles. The following tables can help you understand the cost difference when you buy lower versus higher physical damage deductibles. The first rate quote example uses a $100 deductible for comp and collision and the second price grid uses a $500 deductible.

Data variables include married male driver age 30, no speeding tickets, no at-fault accidents, and Massachusetts minimum liability limits. Discounts applied include safe-driver, claim-free, multi-vehicle, homeowner, and multi-policy. Rate quotes do not factor in vehicle garaging location which can increase or decrease coverage prices noticeably.

Based on the data above, we can derive that using a $100 deductible will cost you roughly $33 more each month or $396 every year than opting for 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 normally go at a minimum 12 months between claim filings, you would most likely save money if you choose a higher deductible.

The illustration below shows how choosing a deductible and can impact Saab 9-5 insurance premiums for different ages of insureds. The rates are based on a married female driver, full coverage, and no discounts are applied to the premium.

Saab 9-5 insurance premiums by gender and age

The chart below visualizes the comparison of Saab 9-5 premium costs for male and female drivers. The premium estimates are based on no accidents, no driving violations, full coverage, $250 deductibles, single marital status, and no discounts are applied to the premium.

Cost difference between full coverage and liability

The illustration below shows the difference between Saab 9-5 insurance costs when comparing full coverage to liability only. The rate quotes are based on no violations or accidents, $250 deductibles, single status, and no discounts are taken into consideration.

Are you wasting money paying for full coverage?

There is no set rule of when to phase out physical damage insurance, but there is a broad guideline. If the yearly cost of comp and collision coverage is more than around 10% of the vehicle’s replacement cost less your deductible, then you may need to consider dropping full coverage.

For example, let’s assume your Saab 9-5 replacement value is $9,000 and you have $1,000 policy deductibles. If your vehicle is totaled in an accident, you would only receive $8,000 after you pay the deductible. If premium cost is more than $800 annually for physical damage coverage, then it might be time to consider dropping full coverage.

There are some circumstances where dropping full coverage is not financially feasible. If you still owe money on your vehicle, you are required to maintain full coverage to protect the lienholder’s interest. Also, if you can’t afford to buy a different vehicle in case of an accident, you should keep full coverage on your policy.

Buying the right vehicle insurance in Massachusetts is an important decision

Even though it’s not necessarily cheap to insure a Saab in Boston, buying car insurance is most likely required but also gives you several important benefits.

• Just about all states have mandatory liability insurance requirements which means you are required to buy a specific level of liability protection in order to drive the car legally. In Massachusetts these limits are 20/40/5 which means you must have $20,000 of bodily injury coverage per person, $40,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.
• If your Saab has a lienholder, almost every bank will force you to buy full coverage to guarantee loan repayment. If you do not pay your insurance premiums, the bank may buy a policy for your Saab at a significantly higher premium and force you to pay for the much more expensive policy.
• Car insurance preserves not only your Saab but also your assets. It will also reimburse you for medical transport and hospital expenses that are the result of an accident. Liability coverage, the one required by state law, also covers all legal expenses up to the policy limit if you are sued as the result of your driving. If your vehicle suffers damage from an accident or hail, comprehensive and collision coverage will cover the repair costs.

The benefits of insuring your car more than cancel out the cost, especially with large liability claims. Despite what companies tell you, the average driver is currently overpaying as much as $810 a year so we recommend shopping around at least once a year to help ensure money is not being wasted.

Why You Might Pay Inflated Rates in Boston

Many different elements are used in the calculation when you get a price on insurance. Most are fairly basic such as traffic violations, but other factors are not quite as obvious like your continuous coverage or your financial responsibility. Part of the auto insurance buying process is learning the factors that come into play when calculating your premiums. If you have some idea of what determines base rates, this helps enable you to make changes that can help you get cheaper rates.

• Annual mileage and car insurance prices – The more you drive annually the higher the price you pay to insure it. Almost all companies rate vehicles based on how the vehicle is used. Cars not used for work or commuting cost less to insure as compared to vehicles used primarily for driving to work. Verify your declarations sheet properly reflects the correct usage, because it can save money. Having the wrong rating on your 9-5 may be wasting your money.
• Never allow your policy to lapse – Driving your car without having proper coverage is illegal and your next policy will cost more because you let your insurance lapse. In addition to paying higher premiums, the inability to provide proof of insurance could earn you fines or a revoked license. You may then have to file a SR-22 with the Massachusetts department of motor vehicles.

• Careless drivers pay higher prices – Having a clean driving record impacts your car insurance rates tremendously. Careful drivers pay less for auto insurance as compared to those with violations. Getting just one speeding ticket may increase your cost by twenty percent. Drivers who have gotten dangerous citations such as DUI or reckless driving are required to prove financial responsibility with the DMV in their state in order to drive a vehicle legally.

  The illustration below shows how traffic citations and fender-benders drive up Saab 9-5 insurance premiums for different age groups. The price estimates are based on a single female driver, comprehensive and collision coverage, $1,000 deductibles, and no other discounts are factored in.

• Bundle policies with the same company – Some companies allow discounts to people who carry more than one policy. It’s known as a multi-policy discount. Even though this discount sounds good, it’s always a smart idea to compare other company rates to ensure the best deal.There is a chance you can find a better deal by buying auto insurance from a different company.

Discounts for lower-cost car insurance rates

Auto insurance companies don’t always list all their discounts very clearly, so the list below details a few of the more common and the harder-to-find ways to save on car insurance.

• Boston Homeowners Discount – Owning a house in Boston can save a few bucks because of the fact that having a home is proof of financial responsibility.
• Multi-line Discount – Larger car insurance companies have a discounted rate on car insurance if you buy a life policy as well.
• Seat Belt Discounts – Drivers who require all occupants to wear their seat belts may be able to save a few bucks on the medical payments or PIP coverage costs.
• Government Employee Discount – Federal government employees can save as much as 8% depending on your company.
• Discount for New Cars – Putting coverage on a new 9-5 may earn a small discount due to better safety requirements for newer models.
• Data Collection Discounts – People who choose to allow their car insurance company to spy on driving manner through the use of a telematics system like Drivewise from Allstate or In-Drive from State Farm might see lower rates as long as the data is positive.

While discounts sound great, it’s important to understand that most credits do not apply to the entire policy premium. A few only apply to individual premiums such as liability, collision or medical payments. So despite the fact that it appears having all the discounts means you get insurance for free, insurance companies wouldn’t stay in business.

The diagram below illustrates the comparison of Saab 9-5 car insurance rates with and without discounts applied to the rates. The prices are based on a female driver, no driving violations, no at-fault accidents, Massachusetts state minimum liability limits, full physical damage coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, multi-car, marriage, safe-driver, claim-free, and multi-policy discounts applied.

Larger car insurance companies and their offered discounts can be read below.

• GEICO offers discounts including driver training, good student, anti-lock brakes, anti-theft, and membership and employees.
• Mercury Insurance may offer discounts for age of vehicle, multi-car, professional/association, anti-theft, accident-free, multi-policy, and good student.
• Farmers Insurance includes discounts for youthful driver, alternative fuel, good student, multi-car, teen driver, bundle discounts, and switch companies.
• Auto-Owners Insurance may have discounts that include safe driver, mature driver, air bags, paperless, and anti-theft.
• Liberty Mutual discounts include hybrid vehicle, good student, new graduate, newly married, new vehicle discount, and multi-policy.
• SAFECO policyholders can earn discounts including homeowner, teen safe driver, teen safety rewards, anti-lock brakes, safe driver, bundle discounts, and anti-theft.
• Progressive offers discounts for good student, online signing, continuous coverage, online quote discount, homeowner, multi-policy, and multi-vehicle.
• USAA offers premium reductions for driver training, multi-policy, good student, multi-vehicle, and loyalty savings.

If you want the cheapest Saab 9-5 rate quotes, ask every insurance company which discounts you may be entitled to. Depending on the company, some discounts might not apply in every state.

When to get advice from an agent

A small number of people would rather visit with an insurance agent and that can be a smart move Good agents can point out coverage gaps and will help you if you have claims. A good thing about price shopping on the web is you may find better rates and still buy from a local agent. And providing support for local agents is important particularly in Boston.

Upon completion of this form (opens in new window), the quote information is transmitted to local insurance agents who want to provide quotes for your insurance coverage. You won’t even need to contact any insurance agencies due to the fact that quote results will go to the email address you provide. In the event you want to quote rates from a specific insurance company, feel free to go to their quote page and give them your coverage information.

If you need to find a local agent, there are two types of insurance agents that differ in how they can insure your vehicles. Boston agents can either be independent (non-exclusive) or exclusive. Both types can properly insure your vehicles, but we need to point out the subtle differences since it can impact which type of agent you select.

Independent Auto Insurance Agents

Agents that elect to be independent often have many company appointments and that is an advantage because they can write policies through many companies and possibly get better coverage at lower prices. To transfer your coverage to a different company, the agent simply finds a different carrier and you don’t have to do anything.

When comparing auto insurance prices, it’s recommended you contact several independent agencies to get the best comparison.

The following are Boston independent agents that may be able to provide free rate quotes.

More insurance agents

Exclusive Agencies

Agents of this type can only write with one company and examples are State Farm, Allstate and AAA. They generally cannot shop your coverage around so if the price isn’t competitive there isn’t much they can do. They receive a lot of sales training on sales techniques which aids in selling service over price.

Listed below is a list of exclusive agents in Boston that are able to give rate quotes.

More insurance agents

Choosing an car insurance agent needs to be determined by more than just a cheap quote. Below are some questions you should ask.

• Do they get extra compensation for selling add-on coverages?
• How long have they worked with personal auto insurance coverage?
• Do the companies they represent have a solid financial rating?
• Will they give you a referral list?
• Do they have designations such as AIC, CPCU, or CIC?
• Do the coverages you’re quoting properly cover your vehicle?

Ratings for Massachusetts car insurance companies

Choosing a good quality car insurance company is difficult considering how many different companies insure vehicles in Massachusetts. The company information shown next can help you choose which car insurance providers you want to consider purchasing coverage from.

Persistence is the key to cheap rates

Throughout this article, we presented a lot of tips how to compare Saab 9-5 insurance prices in Boston. The key concept to understand is the more times you quote, the better your chances of lowering your rates. You may even be surprised to find that the lowest prices are with some of the smallest insurance companies. These smaller insurers can often insure niche markets at a lower cost than the large multi-state companies such as Allstate or State Farm.

When trying to cut insurance costs, do not sacrifice coverage to reduce premiums. There are many occasions where an insured dropped liability coverage limits and found out when filing a claim that the savings was not a smart move. Your objective should be to buy a smart amount of coverage at the best price.

More affordable auto insurance in Boston can be sourced from both online companies and with local Boston insurance agents, so you need to quote Boston auto insurance with both to get a complete price analysis. A few companies do not offer rates over the internet and these small, regional companies provide coverage only through independent agents.

How to buy lower priced Saab 9-5 insurance in Boston

It takes a little time, but the best way to get the cheapest auto insurance rates in Boston is to annually compare prices from providers who sell auto insurance in Massachusetts. Rates can be compared by completing these steps.

First, read about how your policy works and the steps you can take to prevent expensive coverage. Many things that drive up the price like getting speeding tickets and an imperfect credit history can be rectified by being financially responsible and driving safely.

Second, compare rates from independent agents, exclusive agents, and direct companies. Exclusive and direct companies can only give prices from a single company like GEICO or Allstate, while independent agencies can provide prices for a wide range of companies. Click to view companies

Third, compare the new rate quotes to your existing rates to see if cheaper 9-5 coverage is available. If you find a better price and buy the policy, make sure there is no lapse between the expiration of your current policy and the new one.

A crucial key to this process is to use the same deductibles and limits on every price quote and and to compare as many different insurance providers as possible. This ensures an apples-to-apples comparison and a complete price analysis.

Additional detailed information is located in the articles below:

• Car Insurance for Teen Drivers with Divorced Parents (Allstate)
• How Much is Boston Auto Insurance for a Honda CR-V? (FAQ)
• Who Has Affordable Car Insurance Quotes for a Jeep Grand Cherokee in Boston? (FAQ)
• Understanding Limits and Deductibles (Allstate)
• How Can I Save Money on Auto Insurance? (Insurance Information Institute)