Car owners who are new to the process of comparing car insurance quotes on the web are likely to discover buying inexpensive Saab 9-3 insurance in Long Beach is quite challenging.
A recent insurance study revealed that the vast majority of drivers have remained with the same insurance company for at least the last four years, and nearly the majority have never taken the time to shop around. Drivers in California could save as much as 35% every year, but they don’t know the large savings they would see if they bought a different policy.
Buying the cheapest car insurance in Long Beach is quite easy. Nearly anyone who is required by state law to have car insurance should find lower prices. Nevertheless, California vehicle owners benefit from understanding the methods companies use to price online insurance.
Cheapest companies for Saab 9-3 insurance
The providers in the list below offer comparison quotes in Long Beach, CA. To get the best car insurance in CA, we suggest you visit as many as you can to find the cheapest car insurance rates.
Saab 9-3 insurance charts and tables
The rate table below showcases different insurance coverage prices for Saab 9-3 models. Having a good grasp of how auto insurance prices are established can be valuable when making smart policy decisions.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| 9-3 2.0T 4-Dr Sedan | $270 | $536 | $394 | $24 | $118 | $1,342 | $112 |
| 9-3 2.0T Station Wagon | $270 | $536 | $394 | $24 | $118 | $1,342 | $112 |
| 9-3 2.0T XWD 4-Dr Sedan | $270 | $536 | $394 | $24 | $118 | $1,342 | $112 |
| 9-3 Aero 4-Dr Sedan | $300 | $616 | $394 | $24 | $118 | $1,452 | $121 |
| 9-3 2.0T 2-Dr Convertible | $300 | $616 | $464 | $28 | $138 | $1,546 | $129 |
| 9-3 2.0T XWD Station Wagon | $300 | $616 | $394 | $24 | $118 | $1,452 | $121 |
| 9-3 Aero Station Wagon | $300 | $616 | $394 | $24 | $118 | $1,452 | $121 |
| 9-3 Aero XWD 4-Dr Sedan | $300 | $616 | $394 | $24 | $118 | $1,452 | $121 |
| 9-3 Aero 2-Dr Convertible | $330 | $698 | $464 | $28 | $138 | $1,658 | $138 |
| Get Your Own Custom Quote Go | |||||||
Prices above based on married female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include homeowner, claim-free, multi-policy, multi-vehicle, and safe-driver. Premium costs do not factor in the specific area where the vehicle is garaged which can raise or lower coverage rates significantly.
An analysis of deductible level
A question often asked by Long Beach drivers is how high should the physical damage deductibles be. The comparisons below determine the premium difference between low and high policy deductibles. The first table uses a $250 comprehensive and collision deductible and the second price chart uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| 9-3 2.0T 4-Dr Sedan | $386 | $678 | $376 | $22 | $112 | $1,599 | $133 |
| 9-3 2.0T Station Wagon | $386 | $678 | $376 | $22 | $112 | $1,599 | $133 |
| 9-3 2.0T XWD 4-Dr Sedan | $386 | $678 | $376 | $22 | $112 | $1,599 | $133 |
| 9-3 Aero 4-Dr Sedan | $430 | $780 | $376 | $22 | $112 | $1,745 | $145 |
| 9-3 2.0T 2-Dr Convertible | $430 | $780 | $442 | $26 | $132 | $1,835 | $153 |
| 9-3 2.0T XWD Station Wagon | $430 | $780 | $376 | $22 | $112 | $1,745 | $145 |
| 9-3 Aero Station Wagon | $430 | $780 | $376 | $22 | $112 | $1,745 | $145 |
| 9-3 Aero XWD 4-Dr Sedan | $430 | $780 | $376 | $22 | $112 | $1,745 | $145 |
| 9-3 Aero 2-Dr Convertible | $474 | $882 | $442 | $26 | $132 | $1,981 | $165 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| 9-3 2.0T 4-Dr Sedan | $314 | $546 | $376 | $22 | $112 | $1,370 | $114 |
| 9-3 2.0T Station Wagon | $314 | $546 | $376 | $22 | $112 | $1,370 | $114 |
| 9-3 2.0T XWD 4-Dr Sedan | $314 | $546 | $376 | $22 | $112 | $1,370 | $114 |
| 9-3 Aero 4-Dr Sedan | $348 | $630 | $376 | $22 | $112 | $1,488 | $124 |
| 9-3 2.0T 2-Dr Convertible | $348 | $630 | $442 | $26 | $132 | $1,578 | $132 |
| 9-3 2.0T XWD Station Wagon | $348 | $630 | $376 | $22 | $112 | $1,488 | $124 |
| 9-3 Aero Station Wagon | $348 | $630 | $376 | $22 | $112 | $1,488 | $124 |
| 9-3 Aero XWD 4-Dr Sedan | $348 | $630 | $376 | $22 | $112 | $1,488 | $124 |
| 9-3 Aero 2-Dr Convertible | $384 | $712 | $442 | $26 | $132 | $1,696 | $141 |
| Get Your Own Custom Quote Go | |||||||
Data variables include married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include safe-driver, homeowner, claim-free, multi-policy, and multi-vehicle. Estimates do not factor in specific garaging location which can decrease or increase premium rates noticeably.
Based on this data, using a $250 deductible costs roughly $21 more each month or $252 every year across all Saab 9-3 models than buying the higher $500 deductible. Due to the fact that you would have to pay $250 more to settle a claim with a $500 deductible as compared to a $250 deductible, if you have at least 12 months between claim filings, you would most likely save money if you opt for a higher deductible. Here’s an example of how this determination is made.
| Average monthly premium for $250 deductibles: | $144 |
| Average monthly premium for $500 deductibles (subtract): | – $123 |
| Monthly savings from raising deductible: | $21 |
| Difference between deductibles ($500 – $250): | $250 |
| Divide difference by monthly savings: | $250 / $21 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 12 months |
Get discounts on Long Beach insurance
Companies don’t necessarily list every discount very well, so the list below details a few of the more well known as well as the least known discounts you could be receiving when you buy Long Beach car insurance online.
- Own a Home and Save – Owning a house in Long Beach can earn you a little savings because it requires a higher level of personal finance.
- Theft Prevention Discount – Cars optioned with advanced anti-theft systems are less likely to be stolen and therefore earn up to a 10% discount.
- Fewer Miles Equal More Savings – Low annual miles can earn lower insurance rates due to less chance of an accident.
- Discount for Life Insurance – Some insurance carriers give a discount if you purchase some life insurance too.
- Multi-policy Discount – If you can bundle your auto and homeowners insurance and insure them with the same company they may give you a discount of over 10 percent off each policy depending on the company.
A little disclaimer on discounts, some credits don’t apply to the entire policy premium. Most only apply to the cost of specific coverages such as comprehensive or collision. Even though it may seem like having all the discounts means you get insurance for free, insurance companies wouldn’t stay in business.
The diagram below shows the difference between Saab 9-3 insurance costs with and without discounts being applied to the rates. The premiums are based on a female driver, no tickets, no at-fault accidents, California state minimum liability limits, comprehensive and collision coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, multi-policy, safe-driver, marriage, claim-free, and multi-car discounts applied.
Some companies who might offer these money-saving discounts include:
If you are trying to find affordable Long Beach car insurance quotes, ask every prospective company what discounts are available to you. Some of the earlier mentioned discounts might not apply in your area. To find companies that offer discounts in Long Beach, click this link.
Six Things That Impact Your Insurance Rates
Multiple criteria are taken into consideration when you get a price on insurance. Most are fairly basic like a motor vehicle report, but other criteria are not quite as obvious like where you live and annual miles driven. An important part of buying insurance is that you know the rating factors that help calculate the rates you pay for car insurance. If you know what positively or negatively impacts your premiums, this empowers consumers to make smart changes that could help you find cheaper rates.
The following are a few of the “ingredients” used by insurance companies to determine premiums.
See if your company offers a multi-policy discount – Most larger insurance companies apply a discount to customers who carry more than one policy, otherwise known as a multi-policy discount. If you currently are using one company, it’s always a smart idea to shop around to help ensure you have the lowest rates. You may still save more without the discount by splitting coverages up.
Are females or males drivers cheaper? – Statistics have proven that women are safer drivers than men. It does not mean women are BETTER drivers than men. Both sexes tend to get into fender benders in similar percentages, but guys tend to have higher claims. In addition to higher claims, males also get more serious tickets such as reckless driving. Male drivers age 16 to 19 are several times more likely to be in an accident and therefore pay the highest rates.
The example below compares Saab 9-3 annual premium costs for male and female drivers. The premiums are based on no claims or driving citations, comp and collision included, $500 deductibles, marital status is single, and no policy discounts are applied.
Small coverages can add up – There are a lot of additional coverages that may not really be needed if you aren’t diligent. Coverages like rental car reimbursement, accident forgiveness, and membership fees are examples of these. They may seem like a good idea when talking to your agent, but if you don’t need them eliminate the coverages to reduce your premium.
Marriage can save on car insurance – Having a significant other can actually save you money when shopping for car insurance. Having a significant other demonstrates that you tend to be less irresponsible and statistics prove married drivers tend to have fewer serious accidents.
Save by driving vehicles with better crash test results – Vehicles that have high safety ratings get lower rates. These vehicles result in less severe injuries and fewer injuries translates directly to fewer claims and cheaper rates on your policy. If your Saab 9-3 scored at minimum four stars on Safercar.gov or an “acceptable” rating on iihs.org you may qualify for a discount.
Drive less and get lower costs – The more you drive every year the more you will pay for car insurance. Most companies rate vehicles based on how the vehicle is used. Cars that sit idle most of the time cost less to insure as compared to vehicles used primarily for driving to work. Double check that your declarations sheet states the correct driver usage. Incorrect rating for your 9-3 can result in significantly higher rates.
There’s no such thing as the perfect car insurance policy
When quoting and comparing the best car insurance coverage, there isn’t really a perfect coverage plan. Everyone’s needs are different.
For example, these questions might point out if you would benefit from an agent’s advice.
- Am I covered if my car is in a flood?
- What is roadside assistance coverage?
- Does insurance cover tools stolen from my truck?
- Can I insure my car for more than it’s worth?
- Can I drive in Mexico and have coverage?
- Should I carry comprehensive and collision coverage?
- Can my babysitter drive my car?
- Is my Saab 9-3 covered if I use it for business?
- What are the best liability limits?
If you can’t answer these questions but a few of them apply, then you may want to think about talking to a licensed agent. To find lower rates from a local agent, complete this form.
Shop online but buy locally
A small number of people still like to go talk to an agent and that is a smart decision A nice benefit of comparing rate quotes online is you can get the lowest rates and still have an agent to talk to.
For easy comparison, once you complete this quick form, your insurance coverage information is transmitted to local insurance agents in Long Beach that provide free Long Beach car insurance quotes to get your business. You won’t need to even leave your home since rate quotes are delivered to you directly. You can find better rates AND an agent nearby. If you have a need to get a rate quote from a specific company, you can always search and find their rate quote page and fill out the quote form the provide.
Deciding on an company should depend on more than just a cheap quote. Some important questions to ask are:
- Do the agents have professional certifications like CPCU or CIC?
- How often do they review policy coverages?
- Do they write coverage based solely on cost?
- Is auto insurance their primary focus in Long Beach?
- Do you qualify for any additional discounts?
- Can they give you a list of client referrals?
If you want a reputable agency, it can be helpful to understand the types of agencies that you can choose from. Long Beach agents can be described as either exclusive or independent (non-exclusive).
Exclusive Insurance Agents
Agents that elect to be exclusive generally can only insure with one company like Allstate, State Farm and Farmers Insurance. Exclusive agents cannot compare rates from other companies so they have to upsell other benefits. Exclusive insurance agents are usually well trained on what they offer and that enables them to sell even at higher rates. Consumers often buy from the same agent for years primarily because of the brand name and solid financial strength.
Listed below is a list of exclusive insurance agents in Long Beach who can help you get rate quotes.
- Sonny Anderson – State Farm Insurance Agent
4166 Norse Way a – Long Beach, CA 90808 – (562) 429-1809 – View Map - Jim Seilsopour – State Farm Insurance Agent
4195 N Viking Way Ste 180 – Long Beach, CA 90808 – (562) 420-6819 – View Map - Ed Ratleff – State Farm Insurance Agent
1190 N Studebaker Rd f – Long Beach, CA 90815 – (562) 799-0291 – View Map
Independent Agents (or Brokers)
These agents are not employed by any specific company so they can quote policies through lots of different companies and find you the best rates. If premiums increase, they simply switch companies in-house and you don’t have to find a new agent. When searching for an agent, it’s recommended you include price quotes from a few independent agents for maximum quote selection. Most also have access to less well-known companies that may have much lower rates than larger companies.
Shown below are independent insurance agencies in Long Beach who can help you get price quote information.
- Amico Insurance Agency
100 Oceangate #1200 – Long Beach, CA 90802 – (562) 628-5553 – View Map - Fox Benefits Insurance Agency
5175 E Pacific Coast Hwy #304 – Long Beach, CA 90804 – (562) 735-3125 – View Map - Galaxy Insurance Service, Inc
2411 E Anaheim St – Long Beach, CA 90804 – (562) 438-7000 – View Map
Be persistent to save money
Drivers switch companies for a variety of reasons including questionable increases in premium, high rates after DUI convictions, policy non-renewal or lack of trust in their agent. No matter why you want to switch, choosing a new company is less work than it seems.
When you buy Long Beach car insurance online, it’s very important that you do not skimp on coverage in order to save money. In too many instances, drivers have reduced full coverage and discovered at claim time that it was a big mistake. Your strategy should be to purchase plenty of coverage at the best cost, but do not sacrifice coverage to save money.
The cheapest Saab 9-3 insurance in Long Beach can be sourced from both online companies in addition to local insurance agencies, and you need to price shop both to have the best chance of lowering rates. Some auto insurance companies may not have rates over the internet and usually these smaller providers work with local independent agents.
How to find more affordable Saab 9-3 insurance in Long Beach
Truthfully, the best way to get discount Saab 9-3 insurance is to begin comparing prices regularly from insurance carriers who provide auto insurance in Long Beach. Drivers can shop around by following these steps.
- Spend a few minutes and learn about the coverage provided by your policy and the things you can change to prevent rate increases. Many rating criteria that increase rates like distracted driving and an unacceptable credit score can be rectified by improving your driving habits or financial responsibility.
- Obtain price quotes from exclusive agents, independent agents, and direct providers. Direct companies and exclusive agencies can only give prices from one company like Progressive or State Farm, while agents who are independent can quote prices from multiple companies. Find a Long Beach insurance agent
- Compare the price quotes to your existing rates and see if there is a cheaper rate. If you can save some money and buy the policy, make sure coverage does not lapse between policies.
One key aspect when comparing rates is to use similar limits and deductibles on every quote and and to get price estimates from all possible companies. This provides a fair rate comparison and a complete rate analysis.
Helpful articles
- Drunk Driving Statistics (Insurance Information Institute)
- Who Has Affordable Auto Insurance Quotes for Teenagers in Long Beach? (FAQ)
- How Much is Long Beach Car Insurance for a Toyota Camry? (FAQ)
- Who Has Cheap Auto Insurance for Drivers with Bad Credit in Long Beach? (FAQ)
- Who Has the Cheapest Car Insurance Rates for Drivers Over Age 70 in Long Beach? (FAQ)
- Winter Driving (Insurance Information Institute)
- All About Airbag Safety (State Farm)
- Reducing Your Risks in a Car Crash Video (iihs.org)