Compare Saab 9-5 Insurance Quotes in Boston

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

Insurance for Saab 9-5It’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.

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.

Saab 9-5 Insurance Rates in Boston, MA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
9-5 Aero XWD 4-Dr Sedan $358 $668 $334 $20 $100 $1,480 $123
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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.

Saab 9-5 insurance rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
9-5 Aero XWD 4-Dr Sedan $398 $798 $334 $20 $100 $1,675 $140
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Saab 9-5 insurance rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
9-5 Aero XWD 4-Dr Sedan $292 $538 $334 $20 $100 $1,284 $107
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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.

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.

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.Save money with discounts

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.

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.

Insurance agency in BostonUpon 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.

480 Washington StDorchester Center, MA 02124(617) 825-9676View Map

120 Middlesex AveSomerville, MA 02145(617) 666-0222View Map

296 Bennington StBoston, MA 02128(617) 567-5710View Map

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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.

571 Dudley St Ste ABoston, MA 02125(617) 442-9490View Map

125 High StBoston, MA 02110(617) 443-9300View Map

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.

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.

Best Car Insurance Companies in Boston
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
The General 96 100 92 91% A- 95
Mercury Insurance 87 96 100 87% A+ 93.4
Titan Insurance 87 96 94 93% A+ 92.9
The Hartford 88 96 91 93% A+ 92.6
Progressive 84 94 99 90% A+ 92.4
Travelers 84 93 100 87% A++ 92.3
State Farm 84 93 95 87% A++ 91
Farmers Insurance 87 92 90 85% A 90.6
Safeco Insurance 85 91 87 86% A 88.4
USAA 71 93 98 87% A++ 88
GEICO 73 93 95 85% A++ 87.1
21st Century 85 85 91 89% A 86.9
Liberty Mutual 72 91 97 83% A 86.4
AAA Insurance 85 85 88 86% A 85.8
Nationwide 71 90 93 83% A+ 84.9
Allstate 69 92 92 83% A+ 84.4
American Family 77 96 80 85% A 83.8
Esurance 70 80 89 77% A+ 79.2
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Data Source: Best Car Insurance Companies

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.

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