Save Money on Saab 9-3 Insurance in Lexington

It’s safe to conclude that insurance companies want to prevent you from shopping around. Drivers who perform rate comparisons will presumably switch companies because they have a good chance of finding a more affordable policy premium. A survey found that consumers who faithfully checked for cheaper rates saved over $72 a month as compared to drivers who never compared other company’s rates.

If finding the best rates on insurance in Lexington is your ultimate objective, then having a good understanding how to find and compare car insurance can make it easier for you to save money.

Insurance for Saab 9-3The recommended way to find low-cost Saab 9-3 insurance in Lexington is to start comparing prices regularly from different companies in Kentucky.

  1. It will benefit you to learn about individual coverages and the changes you can make to prevent rate increases. Many rating factors that drive up the price like accidents, traffic tickets, and a less-than-favorable credit score can be improved by making lifestyle changes or driving safer.
  2. Get rate quotes from direct carriers, independent agents, and exclusive agents. Exclusive and direct companies can only quote rates from one company like Progressive or Allstate, while independent agencies can provide prices for many different companies. Click to view companies
  3. Compare the quotes to the price on your current policy to determine if switching companies saves money. If you can save some money and make a switch, make sure coverage is continuous and does not lapse.

One tip to remember is to make sure you enter the same amount of coverage on every quote and and to get rates from as many auto insurance providers as possible. This ensures a level playing field and the best price quote selection.

How to get free Saab 9-3 insurance quotes online

To find the best auto insurance rates, there are several ways of comparing rates from local Lexington auto insurance companies. One of the best ways to do a complete rate comparison involves getting comparison quotes online.

Doing online quotes comparisons is so easy that it makes it obsolete to make phone calls or go to different Lexington agent offices. Comparing Saab 9-3 insurance rate quotes online makes this unnecessary unless you have a need for the professional assistance of a local agency. Some companies do allow you to compare the best prices online but have a local agent actually write the policy. It’s important to know that getting more free quotes will enable you to find a better price.

The companies shown below can provide quotes in Lexington, KY. If you want to find the best cheap car insurance in Lexington, we recommend you get prices from several of them to get the best price comparison.

Get discounts on Lexington insurance

Companies that sell car insurance don’t always list every possible discount in a way that’s easy to find, so the following list contains a few of the more common and also the lesser-known credits available to lower your premiums when you buy Lexington car insurance online.Cheaper insurance with discounts

As a footnote on discounts, most discounts do not apply to all coverage premiums. A few only apply to the cost of specific coverages such as comp or med pay. Just because it seems like you can get free auto insurance, company stockholders wouldn’t be very happy.

The example below illustrates the difference between Saab 9-3 insurance prices with and without discounts applied to the policy rates. The information is based on a male driver, no violations or accidents, Kentucky state minimum liability limits, comprehensive and collision coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, homeowner, multi-car, safe-driver, marriage, and multi-policy discounts applied.

To view insurance companies who offer insurance discounts in Lexington, click here.

Rate information and statistics

The premium table shown below outlines detailed analysis of insurance coverage prices for Saab 9-3 models. Being more informed about how insurance policy rates are established can aid in making informed decisions when comparing rates.

Saab 9-3 Insurance Rates in Lexington, KY
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
9-3 2.0T 4-Dr Sedan $272 $616 $314 $18 $94 $1,314 $110
9-3 2.0T Station Wagon $272 $616 $314 $18 $94 $1,314 $110
9-3 2.0T XWD 4-Dr Sedan $272 $616 $314 $18 $94 $1,314 $110
9-3 Aero 4-Dr Sedan $304 $710 $314 $18 $94 $1,440 $120
9-3 2.0T 2-Dr Convertible $304 $710 $368 $22 $110 $1,514 $126
9-3 2.0T XWD Station Wagon $304 $710 $314 $18 $94 $1,440 $120
9-3 Aero Station Wagon $304 $710 $314 $18 $94 $1,440 $120
9-3 Aero XWD 4-Dr Sedan $304 $710 $314 $18 $94 $1,440 $120
9-3 Aero 2-Dr Convertible $334 $802 $368 $22 $110 $1,636 $136
Get Your Own Custom Quote Go

Data based on single male driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Kentucky minimum liability limits. Discounts applied include multi-policy, homeowner, multi-vehicle, claim-free, and safe-driver. Rate quotes do not factor in specific zip code location which can lower or raise auto insurance rates greatly.

Annual premiums for males versus females

The information below visualizes the comparison of Saab 9-3 insurance costs for male and female drivers. The prices are based on no tickets, no at-fault accidents, comprehensive and collision coverage, $1,000 deductibles, marital status is single, and no additional discounts are factored in.

Eight Tips to Get More Affordable Lexington Insurance Premiums

Consumers need to have an understanding of the different types of things that come into play when calculating your policy premiums. If you have a feel for what determines base rates, this enables you to make decisions that will entitle you to much lower annual insurance costs. Multiple criteria are used in the calculation when quoting car insurance. Some are pretty understandable such as your driving record, but other criteria are more obscure such as your marital status and annual miles driven.

Get rate quotes but work with a local Lexington insurance agency

Some consumers just prefer to sit down and talk to an agent and that is just fine! A nice benefit of comparing rate quotes online is that you can obtain lower rates and still have an agent to talk to. Buying from and supporting local agents is important particularly in Lexington.

Find insurance agent in LexingtonUpon completion of this short form, your insurance coverage information is transmitted to insurance agents in Lexington who will gladly provide quotes for your business. There is no reason to visit any agencies because prices are sent to you. You can find lower rates and work with a local agent. If for some reason you want to get a comparison quote from one company in particular, don’t hesitate to jump over to their website and give them your coverage information.

Not all auto insurance agents are the same

If you are wanting to find a reputable agency, there are two different types of agents that differ in how they can insure your vehicles. Insurance agencies in Lexington can be classified as either independent agents or exclusive agents depending on their employer.

Independent Agents

These type of agents are normally appointed by many insurers and that enables them to quote your coverage amongst many companies and get you the best rates possible. If they quote lower rates, they simply switch companies in-house which makes it simple for you. If you need lower rates, you will want to get insurance quotes from multiple independent agents in order to have the best price comparison.

Below are Lexington independent insurance agencies that can possibly get you price quote information.

2408 Sir Barton Way # 375Lexington, KY 40509(859) 264-9400View Map

2331 Fortune Dr #175Lexington, KY 40509(859) 278-3487View Map

1801 Alexandria DrLexington, KY 40504(859) 373-1282View Map

More insurance agents

Exclusive Auto Insurance Agents

Agents in the exclusive channel can only place business with one company and some examples include Farmers Insurance or State Farm. Exclusive agencies are unable to shop your coverage around so always compare other rates. Exclusive agents are highly trained on sales techniques which helps them sell insurance even at higher premiums.

Below is a short list of exclusive insurance agencies in Lexington willing to provide price quote information.

121 Prosperous Pl Ste 11ALexington, KY 40509(859) 271-2277View Map

340 E New Cir Rd #120Lexington, KY 40505(859) 543-0300View Map

2891 Richmond Rd Ste 115Lexington, KY 40509(859) 268-3222View Map

More insurance agents

Picking an auto insurance agent is decision based upon more than just the quoted price. Here are some questions you should ask.

Persistence pays off

You just read many ways to lower your Saab 9-3 insurance premium rates in Lexington. It’s most important to understand that the more price quotes you have, the better your chances of lowering your prices. Drivers may even discover the best premium rates are with a company that doesn’t do a lot of advertising. These companies can often insure niche markets at a lower cost than the large multi-state companies such as Progressive or GEICO.

As you shop your coverage around, it’s very important that you do not reduce coverage to reduce premium. There are too many instances where an accident victim reduced collision coverage only to find out they didn’t purchase enough coverage. The proper strategy is to buy enough coverage for the lowest price, but do not skimp to save money.

Budget-conscious Saab 9-3 insurance can be bought both online in addition to many Lexington insurance agents, and you should compare price quotes from both to get a complete price analysis. A few companies do not provide online quoting and usually these small, regional companies sell through independent insurance agents.

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