There isn’t a single person who looks forward to paying premiums for auto insurance, especially when they know the cost is too high.
It’s safe to assume that car insurance companies want to prevent you from shopping around. People who perform rate comparisons are likely to switch auto insurance companies because they have good chances of finding a lower-cost company. A survey found that drivers who routinely shopped around saved an average of $72 a month compared to policyholders who never compared prices.
If finding the cheapest price on Saab 9-3 insurance in Lubbock is why you’re reading this, then understanding how to quote prices and compare auto insurance can make it easier for you to save money.
How to find cheaper Saab 9-3 insurance in Lubbock
Truthfully, the best way to get more affordable Saab 9-3 insurance in Lubbock is to start comparing prices yearly from insurance carriers who provide car insurance in Texas. Drivers can shop around by following these guidelines.
Step 1: Spend some time learning about how insurance companies determine prices and the things you can change to prevent expensive coverage. Many rating criteria that are responsible for high rates like at-fault accidents and an imperfect credit score can be rectified by making minor driving habit or lifestyle changes. Continue reading for more ideas to keep prices down and earn larger discounts.
Step 2: Compare price quotes from independent agents, exclusive agents, and direct companies. Direct companies and exclusive agencies can give quotes from a single company like GEICO and State Farm, while agents who are independent can provide rate quotes for many different companies.
Step 3: Compare the new rates to the price on your current policy to see if a cheaper price is available in Lubbock. If you find better rates and buy the policy, make sure there is no lapse between the expiration of your current policy and the new one.
The critical component of shopping around is that you use identical limits and deductibles on each price quote and and to analyze every insurance company. This enables a fair rate comparison and a thorough price selection.
Popular companies such as State Farm, Farmers Insurance, GEICO and Allstate continually hit you with catchy ads and it can be hard to separate fact from fiction and effectively compare rates to find the best deal.
It is always a good idea to compare premium rates once or twice a year because auto insurance prices tend to go up over time. Even if you think you had the best rates on Saab 9-3 insurance in Lubbock two years ago there may be better deals available now. You’ll find a ton of advice on 9-3 insurance out there, but I’m going to show you some proven techniques to stop overpaying for insurance in Lubbock.
If you already have coverage or need a new policy, you will benefit by learning to get lower rates and still get good coverage. Locating the best rates in Lubbock is actually very simple if you learn how to start. Comparison shoppers just have to know the best way to get comparison quotes from many different companies online.
The fastest way that we advise to compare policy rates for Saab 9-3 insurance in Lubbock is to know most insurance companies participate in a system to give rate comparisons. All you need to do is spend a couple of minutes providing details like the make and model of your vehicles, if the car is leased, your education level, and coverage limits. Those rating factors gets sent immediately to many of the top insurers and you will receive price estimates within a short period of time.
If you wish to get multiple quotes for your Saab 9-3 now, click here and enter your coverage details.
The following companies have been selected to offer free quotes in Texas. To locate the cheapest auto insurance in TX, it’s highly recommended you compare several of them in order to get a fair rate comparison.
Analysis of Saab 9-3 rates
The coverage table displayed next showcases detailed analysis of insurance policy prices for Saab 9-3 models. Learning a little about how premiums are determined can assist in making decisions when choosing a new policy provider.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| 9-3 2.0T 4-Dr Sedan | $288 | $594 | $310 | $18 | $94 | $1,304 | $109 |
| 9-3 2.0T Station Wagon | $288 | $594 | $310 | $18 | $94 | $1,304 | $109 |
| 9-3 2.0T XWD 4-Dr Sedan | $288 | $594 | $310 | $18 | $94 | $1,304 | $109 |
| 9-3 Aero 4-Dr Sedan | $322 | $682 | $310 | $18 | $94 | $1,426 | $119 |
| 9-3 2.0T 2-Dr Convertible | $322 | $682 | $366 | $22 | $110 | $1,502 | $125 |
| 9-3 2.0T XWD Station Wagon | $322 | $682 | $310 | $18 | $94 | $1,426 | $119 |
| 9-3 Aero Station Wagon | $322 | $682 | $310 | $18 | $94 | $1,426 | $119 |
| 9-3 Aero XWD 4-Dr Sedan | $322 | $682 | $310 | $18 | $94 | $1,426 | $119 |
| 9-3 Aero 2-Dr Convertible | $354 | $772 | $366 | $22 | $110 | $1,624 | $135 |
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Prices based on married male driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Texas minimum liability limits. Discounts applied include homeowner, multi-vehicle, safe-driver, multi-policy, and claim-free. Rate quotes do not factor in Lubbock location which can impact rates noticeably.
The information below highlights how deductible choice and can impact Saab 9-3 yearly insurance costs for different ages of insureds. The costs are based on a single male driver, comp and collision included, and no discounts are applied.
Rate difference between full and liability-only coverage
The example below visualizes the comparison of Saab 9-3 insurance costs when comparing full coverage to state minimum liability only. The premium estimates are based on no tickets, no at-fault accidents, $100 deductibles, marital status is single, and no policy discounts are applied.
Should you pay for full coverage or liability only?
There is no definitive formula for dropping physical damage coverage, but there is a guideline you can use. If the yearly cost for physical damage coverage is more than about 10% of the replacement cost minus the deductible, then you may need to consider dropping full coverage.
For example, let’s say your Saab 9-3 replacement value is $4,000 and you have $1,000 full coverage deductibles. If your vehicle is totaled, the most your company will settle for is $3,000 after the deductible is paid. If you are paying in excess of $300 annually for your policy with full coverage, then it’s probably a good time to buy liability coverage only.
There are a few cases where dropping physical damage coverage is not financially feasible. If you still have a lienholder on your title, you have to carry full coverage as part of the loan requirements. Also, if you don’t have enough money to buy a different vehicle in case of an accident, you should not buy liability only.
Why auto insurance is not optional
Despite the high cost of buying insurance for a Saab 9-3 in Lubbock, insuring your vehicle is required by state law in Texas and it also provides benefits you may not be aware of.
First, just about all states have minimum liability requirements which means it is punishable by state law to not carry specific limits of liability insurance coverage if you drive a vehicle. In Texas these limits are 30/60/25 which means you must have $30,000 of bodily injury coverage per person, $60,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
Second, if your Saab 9-3 has a loan, it’s guaranteed your bank will make it mandatory that you buy insurance to guarantee payment of the loan. If you do not keep the policy in force, the bank may insure your Saab for a lot more money and require you to fork over for the much more expensive policy.
Third, insurance safeguards both your Saab 9-3 and your assets. It will also reimburse you for medical bills incurred in an accident. Liability insurance, one of your policy coverages, also covers all legal expenses up to the policy limit if you are named as a defendant in an auto accident. If your Saab gets damaged, your policy will cover the damage repairs after a deductible is paid.
The benefits of carrying adequate insurance definitely exceed the cost, especially when you need to use it. Despite what companies tell you, the average driver is overpaying more than $700 annually so it’s recommended you shop around each time the policy renews to help ensure money is not being wasted.
Insurance Cost Influencing Factors
An important part of buying insurance is that you know a few of the rating criteria that play a part in calculating your policy premiums. If you have some idea of what controls the rates you pay, this allows you to make good choices that can help you get lower rates. Many factors are taken into consideration when you get your auto insurance bill. Most are fairly basic like your driving record, although others are more obscure like where you live or your vehicle rating.
The list below includes just a few of the factors insurance companies consider when setting your rate level.
- Lower insurance rates with continuous coverage – Going without insurance is a sure-fire way to bump up your insurance costs. Not only will you pay more, getting caught without coverage might get you fines and jail time. You may have to provide proof of insurance in the form of an SR-22 filing with the Texas DMV.
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How’s your driving record? – Drivers who don’t get tickets pay less for auto insurance than their less careful counterparts. Getting just one chargeable violation can increase the cost of insurance by as much as twenty percent. Drivers who get license-revoking violations like DUI or reckless driving are required to submit a SR-22 form to the state department of motor vehicles in order to drive a vehicle legally.
The information below highlights how traffic violations and at-fault accidents impact Saab 9-3 insurance costs for different age groups. The premiums assume a married male driver, comp and collision included, $1,000 deductibles, and no discounts are factored in.
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Insurance rates and age – Beginning drivers in Texas have a tendency to be inattentive with other occupants in the car so insurance rates are higher. More experienced drivers are viewed as being more responsible, file fewer claims, and are generally more financially stable.
The data below uses these variables: single driver, full coverage with $250 deductibles, and no discounts or violations.
- Drive lots and pay more – The more you drive in a year the more you will pay for insurance. Most insurance companies apply a rate based on how the vehicle is used. Autos that do not get driven very much can get a lower rate than vehicles that have high annual mileage. It’s always a good idea to double check that your insurance coverage shows the proper vehicle usage, because improper ratings can cost you money. Having the wrong rating on your 9-3 may be costing you.
- Too many insurance claims and you’ll pay more – If you file claims often, don’t be surprised to see either higher rates or even cancellation. Auto insurance companies in Texas provide cheaper rates to drivers who are not frequent claim filers. Your car insurance is intended for claims that pose a financial burden.
- Liability protection claims can be big – Your policy’s liability coverage is the protection in the event that you are determined to be liable for damages caused by your negligence. Your liability coverage provides for a legal defense starting from day one. It is affordable coverage compared to comp and collision, so drivers should make sure they buy enough to cover all assets.
Which car insurance company is best in Lubbock?
Insuring your vehicle with a good quality insurance provider is hard considering how many different insurance companies sell coverage in Lubbock. The company rank data listed below may help you pick which providers you want to consider putting your business with.
Top 10 Lubbock Car Insurance Companies Ranked by Customer Satisfaction
- USAA – 91%
- AAA Insurance – 90%
- Esurance – 90%
- Mercury Insurance – 89%
- Nationwide – 89%
- Travelers – 88%
- Progressive – 88%
- Safeco Insurance – 88%
- State Farm – 88%
- Allstate – 88%
Top 10 Lubbock Car Insurance Companies Ranked by Claims Service
- Travelers
- Nationwide
- Allstate
- State Farm
- Liberty Mutual
- GEICO
- American Family
- Esurance
- Titan Insurance
- AAA Insurance
Find cheaper rates by being thorough
Cheap Saab 9-3 insurance in Lubbock can be bought from both online companies in addition to local insurance agencies, so you should compare both to have the best selection. A few companies do not provide the ability to get a quote online and usually these regional insurance providers provide coverage only through independent insurance agents.
You just learned quite a bit of information on how to save on Saab 9-3 insurance in Lubbock. The key concept to understand is the more providers you compare, the more likely it is that you will get a better rate. Drivers may even discover the best price on auto insurance is with the smaller companies. Some small companies may have significantly lower car insurance rates on certain market segments than their larger competitors like Allstate or State Farm.
As you shop your coverage around, do not skimp on critical coverages to save a buck or two. There are a lot of situations where someone sacrificed liability coverage limits only to regret at claim time they didn’t purchase enough coverage. The aim is to purchase a proper amount of coverage at the best cost, but do not sacrifice coverage to save money.
How to find the cheapest rates for Saab 9-3 insurance in Lubbock
If you want to save money, the best way to get low-cost Saab 9-3 insurance in Lubbock is to start comparing rates regularly from insurers in Texas. You can compare prices by completing these steps.
Step 1: Try to comprehend coverages and the steps you can take to lower rates. Many risk factors that result in higher rates like at-fault accidents, speeding tickets, and a negative credit score can be rectified by making minor changes in your lifestyle.
Step 2: Compare price quotes from direct carriers, independent agents, and exclusive agents. Direct and exclusive agents can only give rate quotes from one company like GEICO or Farmers Insurance, while independent agencies can provide prices for a wide range of companies. View a list of agents
Step 3: Compare the quotes to your existing coverage and determine if there is any savings. If you can save some money and switch companies, make sure there is no lapse between the expiration of your current policy and the new one.
The critical component of shopping around is that you’ll want to make sure you compare identical limits and deductibles on every price quote and and to get rates from as many carriers as you can. This provides a level playing field and a thorough price selection.
Additional learning opportunities
- What is Full Coverage? (Allstate)
- Who Has Cheap Lubbock Car Insurance Rates for a Jeep Grand Cherokee? (FAQ)
- What Auto Insurance is Cheapest for Postal Workers in Lubbock? (FAQ)
- How Much are Auto Insurance Quotes for Government Employees in Lubbock? (FAQ)
- How Much are Car Insurance Rates for Drivers Under 21 in Lubbock? (FAQ)
- Five Mistakes to Avoid (Insurance Information Institute)
- How to shop for a safer car (Insurance Institute for Highway Safety)