Looking for low-cost Saab 9-5 insurance in Baltimore? Think you have an overpriced auto insurance policy? Believe me, there are many Baltimore consumers feeling the pinch from expensive auto insurance.
A recent auto insurance study revealed that the vast majority of auto insurance customers have been with the same company for a minimum of four years, and nearly 40% of drivers have never quoted auto insurance rates at all. With the average auto insurance premium being $1,500, Maryland drivers can save nearly 55% each year just by comparing rates, but they just assume it takes a lot of time to do a rate comparison.
How to find low-cost rates for Saab 9-5 insurance in Baltimore
If you want to find the absolute lowest rates, then the best way to find more affordable Saab 9-5 insurance is to compare prices annually from companies who can sell car insurance in Baltimore.
First, try to learn a little about what coverages are included in your policy and the steps you can take to keep rates down. Many things that cause rate increases such as accidents, traffic violations, and an imperfect credit rating can be amended by making small lifestyle or driving habit changes.
Second, request rate estimates from direct carriers, independent agents, and exclusive agents. Direct companies and exclusive agencies can only give prices from a single company like Progressive or Allstate, while agents who are independent can provide prices from multiple companies. Get quotes now
Third, compare the new rates to your current policy premium and determine if cheaper 9-5 coverage is available. If you find better rates, make sure coverage is continuous and does not lapse.
Fourth, provide written notification to your current company to cancel your existing policy and submit a down payment along with a signed application for the new policy. Immediately upon receiving it, keep the new certificate of insurance in an easily accessible location.
The key aspect of shopping around is to compare identical coverages on every quote and and to look at every insurance company. Doing this helps ensure a fair price comparison and the best price selection.
Many car insurance companies vie for your business, and it can be difficult to compare rates to find the absolute best rate on Saab 9-5 insurance in Baltimore.
If you already have coverage, you stand a good chance to be able to get lower rates using the concepts covered in this article. Locating the best rates in Baltimore is actually quite simple. But Maryland consumers benefit from understanding the way companies determine what you pay and take advantage of how the system works.
Companies offering Saab 9-5 insurance in Baltimore
The following companies offer quotes in Baltimore, MD. If your goal is to find the cheapest auto insurance in Baltimore, we suggest you visit as many as you can in order to get a fair rate comparison.
Coverage information
The premium table displayed next outlines a range of insurance rates for Saab 9-5 models. Learning how car insurance prices are established can be valuable when making decisions on the best policy to buy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| 9-5 Aero XWD 4-Dr Sedan | $374 | $796 | $458 | $28 | $138 | $1,794 | $150 |
| Get Your Own Custom Quote Go | |||||||
Prices based on single female driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Maryland minimum liability limits. Discounts applied include safe-driver, multi-policy, homeowner, multi-vehicle, and claim-free. Premium costs do not factor in vehicle location which can modify premiums greatly.
Full coverage versus liability-only in Baltimore
The illustration below compares Saab 9-5 auto insurance costs with liability coverage only compared to full coverage. The rates are based on no violations or accidents, $100 deductibles, drivers are single, and no discounts are taken into consideration.
Should you pay for full coverage?
There is no clear-cut formula for excluding full coverage on your policy, but there is a general guideline you can use. If the annual cost of comprehensive and collision coverage is 10% or more of the vehicle’s replacement cost less your deductible, then it’s probably a good time to buy liability coverage only.
For example, let’s assume your Saab 9-5 replacement value is $4,000 and you have $1,000 physical damage deductibles. If your vehicle is totaled, the most you would get paid by your company is $3,000 after paying your deductible. If premium cost is more than $300 a year to have full coverage, then it could be time to drop full coverage.
There are some situations where dropping physical damage coverage is not a good plan. If you have an outstanding loan on your vehicle, you must maintain physical damage coverage in order to prevent the bank from purchasing higher-priced coverage. Also, if you don’t have enough money to buy a different vehicle if your current one is in an accident, you should not remove full coverage.
Slash rates with these discounts on Saab 9-5 insurance in Baltimore
Buying car insurance is not cheap, but you may find discounts that many consumers don’t even know exist. A few discounts will automatically apply when you quote, but lesser-known reductions have to be inquired about before they will apply.
- Seat Belt Discounts – Drivers who require all vehicle occupants to wear their seat belts can save 10% or more off the PIP or medical payment premium.
- Good Students Pay Less – Maintaining excellent grades may save as much as 25% on a Baltimore car insurance quote. The discount lasts up until you turn 25.
- Accident Waiver – Not necessarily a discount, but a few companies such as Liberty Mutual, GEICO and Allstate will let one accident slide before hitting you with a surcharge so long as you are claim-free for a particular time prior to the accident.
- Early Switch Discount – Some car insurance companies provide a discount for buying a policy prior to the expiration date on your current 9-5 insurance policy. This can save 10% or more.
- Sign Online – A few car insurance companies may give you up to $50 for buying your policy on your computer.
- Onboard Data Collection – Insureds that choose to allow their car insurance company to study vehicle usage by installing a telematics device like Allstate’s Drivewise might see lower rates as long as they are good drivers.
As a footnote on discounts, most discounts do not apply to the overall cost of the policy. Most only reduce specific coverage prices like collision or personal injury protection. Despite the fact that it seems like you could get a free car insurance policy, company stockholders wouldn’t be very happy. But any discount will cut your policy premiums.
The example below shows the difference between Saab 9-5 insurance premiums with and without discounts. Data assumes a female driver, no claims, a clean driving record, Maryland state minimum liability limits, comprehensive and collision coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, multi-car, claim-free, marriage, homeowner, and multi-policy discounts applied.
To find companies with the best Saab 9-5 insurance discounts in Baltimore in Baltimore, click here to view.
Car insurance is unique, just like you
Always remember that when buying insurance from an agent or online for your vehicles, there really is not a “best” method to buy coverage. Every insured’s situation is different.
Here are some questions about coverages that may help highlight whether you might need an agent’s assistance.
- Does my policy cover my teen driver if they drive my company car?
- Do I need more liability coverage?
- Are all vehicle passengers covered by medical payments coverage?
- What is the difference between personal and commercial auto insurance policies?
- Why is insurance for a teen driver so high in Baltimore?
- Do I have coverage for damage caused while driving under the influence?
- Is my custom paint covered by insurance?
If you don’t know the answers to these questions, you might consider talking to an insurance agent. To find an agent in your area, complete this form.
Compare rates but buy from a local neighborhood Baltimore car insurance agent
Certain consumers prefer to talk to a local agent. An additional benefit of comparing insurance prices online is the fact that you can find the best rates and still buy from a local agent.
To make it easy to find an agent, after completing this short form, the quote information is sent to agents in your area that give free quotes and help you find cheaper coverage. You don’t have to leave your computer since price quotes are sent directly to your email. You can get cheaper auto insurance rates without requiring a lot of work. In the event you want to get a comparison quote from one company in particular, you can always search and find their rate quote page and give them your coverage information.
Selecting an provider is decision based upon more than just a cheap price. Any agent in Baltimore should be willing to answer these questions.
- Is vehicle damage repaired with OEM or aftermarket parts?
- Which companies can they place coverage with?
- How long has the business existed?
- Do clients work directly with the agent or are most inquiries handled by a CSR?
- Is the agency active in community causes in Baltimore?
- If your car is in the repair shop, do you have coverage for a rental car?
If you would like to find a local insurance agency, it can be helpful to understand the types of agencies and how they operate. Agents can either be independent agents or exclusive agents.
Exclusive Insurance Agencies
Exclusive insurance agents normally can only provide a single company’s rates like Farmers Insurance, State Farm, or Allstate. They generally cannot give you multiple price quotes so they have to upsell other benefits. Exclusive agents are well trained in insurance sales which helps overcome the inability to quote other rates.
Shown below are Baltimore exclusive agents willing to provide price quote information.
Cyndi Kuhn – State Farm Insurance Agent
6100 Eastern Ave – Baltimore, MD 21224 – (410) 633-5000 – View Map
Allstate Insurance: Jim Craig
2829 O’Donnell St – Baltimore, MD 21224 – (410) 522-6100 – View Map
GEICO Insurance Agent
7915 Belair Rd – Baltimore, MD 21236 – (410) 882-8200 – View Map
Independent Auto Insurance Agents
These agents are not restricted to one company and that enables them to quote your coverage through lots of different companies and get the cheapest rates. If they quote lower rates, they simply move the coverage in-house and you stay with the same agent. When searching for an agent, we recommend you contact at a minimum one independent agency to maximize your price options.
The following are independent agents in Baltimore that are able to give price quotes.
Morgan Smith Insurance Agency
847 W 36th St – Baltimore, MD 21211 – (410) 889-9290 – View Map
Austen’s Insurance Inc
3407 Eastern Blvd – Baltimore, MD 21220 – (410) 686-4700 – View Map
Upper Chesapeake Insurance Agency Inc
900 S Charles St – Baltimore, MD 21230 – (410) 385-0455 – View Map
What is YOUR best insurance company?
As you quote Baltimore car insurance, it’s very important that you do not skimp on critical coverages to save a buck or two. There are too many instances where someone dropped physical damage coverage and learned later that they should have had better coverage. The proper strategy is to get the best coverage possible at the best price while not skimping on critical coverages.
Budget-conscious Saab 9-5 insurance is possible on the web and with local Baltimore insurance agents, and you need to price shop both to have the best rate selection. Some companies may not have the ability to get quotes online and most of the time these smaller companies prefer to sell through independent agents.
People switch companies for a variety of reasons including being labeled a high risk driver, poor customer service, unfair underwriting practices or extreme rates for teen drivers. No matter why you want to switch, switching insurance companies is not as hard as you think.
How to buy discount Saab 9-5 insurance in Baltimore
The best way we recommend to find affordable quotes for Saab 9-5 insurance in Baltimore is to compare prices once a year from providers who provide auto insurance in Maryland. Prices can be compared by following these steps.
- First, try to comprehend how insurance companies determine prices and the modifications you can make to prevent expensive coverage. Many risk factors that cause rate increases like inattentive driving and a low credit score can be rectified by improving your driving habits or financial responsibility.
- Second, get rate quotes from independent agents, exclusive agents, and direct companies. Direct companies and exclusive agencies can only provide price estimates from one company like Progressive or Allstate, while independent agencies can provide prices from multiple sources.
- Third, compare the price quotes to the premium of your current policy and see if there is a cheaper rate. If you can save money and decide to switch, ensure there is no coverage lapse between policies.
- Fourth, give notification to your current company of your decision to cancel your current car insurance policy and submit the application along with any required down payment for your new coverage. Make sure you safely store the certificate verifying coverage in an accessible location in your vehicle.
A valuable tip to remember is to make sure you’re comparing the same liability limits and deductibles on each price quote and and to get rate quotes from as many auto insurance providers as possible. This provides a level playing field and the best price selection.
To read more, take a look at the resources below:
- Red Light Cameras (State Farm)
- What Auto Insurance is Cheapest for a Chevrolet Equinox in Baltimore? (FAQ)
- How Much is Baltimore Car Insurance for Drivers with Good Credit? (FAQ)
- Who Has Affordable Baltimore Auto Insurance Quotes with Multiple Speeding Tickets? (FAQ)
- What Car Insurance is Cheapest for High School Students in Baltimore? (FAQ)
- Young Drivers: The High Risk Years Video (iihs.org)
- Insurance losses by make and model (Insurance Institute for Highway Safety)