Cheapest Insurance for a Saab 9-3 in Bakersfield

Insurance for Saab 9-3Have you had enough of being strong-armed to pay your car insurance bill each month? You are in the same boat as many other California drivers.

It’s well known that car insurance companies don’t want their customers to go rate shopping. Drivers who shop around for the cheapest rate will probably move their business because they stand a good chance of finding a policy with better rates. A study showed that people who compared rates annually saved over $70 a month as compared to drivers who never shopped around for better prices.

If finding the cheapest price on insurance is your goal, then having some insight into how to find companies and compare insurance can help simplify the task of finding more affordable coverage. Because you have many insurance companies to choose from that have cheap insurance for a Saab 9-3 in Bakersfield, it can be impossible to pick a more affordable insurer.

Lower rates by qualifying for discounts

Some companies don’t necessarily list every policy discount in a way that’s easy to find, so the list below details both well-publicized and the more hidden insurance savings.

You should keep in mind that most discounts do not apply to all coverage premiums. Most only reduce the cost of specific coverages such as medical payments or collision. So even though you would think you would end up receiving a 100% discount, insurance companies aren’t that generous.

The information below shows the comparison of Saab 9-3 insurance costs with and without discounts applied to the premium. Data assumes a female driver, no tickets, no at-fault accidents, California state minimum liability limits, comprehensive and collision coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, multi-policy, claim-free, safe-driver, multi-car, and marriage discounts applied.

Companies and their offered discounts are:

If you are trying to find low cost Bakersfield auto insurance quotes, ask all companies you are considering which discounts can lower your rates. Some of the discounts discussed earlier might not be available to policyholders in Bakersfield. To see insurance companies who offer online Saab 9-3 insurance quotes in California, click here.

The quickest way to compare insurance rates in your area utilizes the fact almost all companies participate in online systems to give free rates quotes. To get started, all you need to do is provide the companies a bit of rating information including whether or not you need a SR-22, how many miles driven, an estimate of your credit level, and driver ages. Your information gets sent immediately to many different companies and you will receive price estimates instantly.

If you wish to get multiple quotes for your Saab 9-3 now, click here and enter your zip code.

The following companies have been selected to offer quotes in California. If more than one company is shown, we recommend you get prices from several of them to find the most competitive car insurance rates.

Insurance statistics for a Saab 9-3

The information displayed below outlines detailed analysis of policy rates for Saab 9-3 models. Understanding more about how insurance premiums are formulated can benefit drivers when making smart buying decisions.

Saab 9-3 Insurance Rates in Bakersfield, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
9-3 2.0T 4-Dr Sedan $428 $834 $508 $30 $152 $1,952 $163
9-3 2.0T Station Wagon $428 $834 $508 $30 $152 $1,952 $163
9-3 2.0T XWD 4-Dr Sedan $428 $834 $508 $30 $152 $1,952 $163
9-3 Aero 4-Dr Sedan $476 $960 $508 $30 $152 $2,126 $177
9-3 2.0T 2-Dr Convertible $476 $960 $596 $36 $178 $2,246 $187
9-3 2.0T XWD Station Wagon $476 $960 $508 $30 $152 $2,126 $177
9-3 Aero Station Wagon $476 $960 $508 $30 $152 $2,126 $177
9-3 Aero XWD 4-Dr Sedan $476 $960 $508 $30 $152 $2,126 $177
9-3 Aero 2-Dr Convertible $526 $1086 $596 $36 $178 $2,422 $202
Get Your Own Custom Quote Go

Price data assumes single female driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and California minimum liability limits. Discounts applied include multi-policy, claim-free, multi-vehicle, safe-driver, and homeowner. Rate quotes do not factor in zip code location which can decrease or increase insurance rates significantly.

The information below shows how choosing a deductible and can affect Saab 9-3 annual premium costs for each different age category. The premiums assume a married female driver, comprehensive and collision coverage, and no other discounts are factored in.

Learn How to Get Auto Insurance for Less

Many different elements are used in the calculation when you get your auto insurance bill. Some of the criteria are obvious like your driving record, but other criteria are less apparent like your continuous coverage or your commute time. The best way to find cheaper auto insurance is to take a look at the factors that aid in calculating your auto insurance rates. When you know what positively or negatively positively or negatively impacts your premiums, this enables informed choices that may result in better auto insurance rates.

The itemized list below are some of the factors companies use to determine your rate level.

When should I have guidance from a local insurance agent?

A lot of people would prefer to have an agent’s advice and that is a personal choice. Agents are trained to spot inefficiencies and help in the event of a claim. The best thing about getting online price quotes is you may find better rates but still work with a licensed agent. Buying insurance from neighborhood agents is important especially in Bakersfield.

Insurance agency in BakersfieldTo help locate an agent, after submitting this short form, the quote information is emailed to participating agents in Bakersfield that can give you free Bakersfield auto insurance quotes to get your business. You won’t even need to drive around as quotes are delivered directly to your email. In the event you want to quote rates from a specific auto insurance provider, don’t hesitate to go to their quote page and submit a quote form there.

If you want to buy auto insurance from local Bakersfield agents, you need to know there are two different types of agencies and how they differ in how they quote coverages. Auto insurance agencies can be described as either independent (non-exclusive) or exclusive. Either type can write policy coverage, but it’s a good idea to understand how they differ because it may have an impact on which type of agent you select.

Independent Auto Insurance Agents

Independent agencies are not employed by one company so they can write business with multiple insurance companies and potentially find a lower price. To move your coverage to a new company, they simply move the coverage in-house and you don’t have to do anything.

If you are comparing rate quotes, we highly recommend that you get quotes from at least one independent agent to get the most accurate price comparison.

The following is a list of independent insurance agents in Bakersfield that may be able to give competitive price quotes.

3100 19th St #250Bakersfield, CA 93301(661) 873-4780View Map

4200 Truxtun Ave # 102Bakersfield, CA 93309(661) 327-8010View Map

1910 E California AveBakersfield, CA 93307(661) 363-0645View Map

View more agents

Exclusive Auto Insurance Agencies

Agents that elect to be exclusive can usually just insure with one company and some examples include Farmers Insurance, Allstate, or State Farm. Exclusive agents cannot shop your coverage around so you need to shop around if the rates are high. These agents are trained well in insurance sales which can be an advantage.

The following are exclusive agents in Bakersfield willing to provide price quote information.

4801 Truxtun Ave #200Bakersfield, CA 93309(661) 324-2300View Map

Jim Windes – State Farm Insurance Agent
3512 Coffee Rd dBakersfield, CA 93308(661) 588-1001View Map

Jeremy Scheidle – State Farm Insurance Agent
2017 24th StBakersfield, CA 93301(661) 861-9797View Map

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Finding the right insurance agent should depend on more than just a cheap price quote. Agents should be asked these questions:

After you get positive feedback to all your questions and a good coverage price, chances are good that you have found a car insurance agent that meets the criteria to properly service your auto insurance policy.

Car insurance just makes sense

Despite the high insurance cost for a Saab 9-3 in Bakersfield, insurance is a good idea for several reasons.

The benefits of buying car insurance greatly outweigh the cost, especially for larger claims. According to a recent study, the average American driver is overpaying over $855 a year so you should quote and compare rates each time the policy renews to ensure rates are inline.

Be persistent to save money

Cheap Saab 9-3 insurance in Bakersfield is definitely available from both online companies in addition to many Bakersfield insurance agents, so get free Bakersfield auto insurance quotes from both of them to get a complete price analysis. Some insurance companies do not offer rate quotes online and these regional carriers prefer to sell through independent agents.

You just read many tips how you can compare Saab 9-3 insurance prices in Bakersfield. It’s most important to understand that the more times you quote, the higher the chance of saving money. You may even discover the lowest prices are with some of the lesser-known companies. Some small companies can often provide lower rates in certain areas than their larger competitors like State Farm or Progressive.

Steps to finding cheaper rates for Saab 9-3 insurance in Bakersfield

It takes a little time, but the best way to find better pricing on car insurance rates is to regularly compare quotes from insurance carriers in Bakersfield. You can compare rates by following these steps.

  1. Gain an understanding of how car insurance works and the steps you can take to prevent expensive coverage. Many policy risk factors that increase rates such as multiple speeding tickets and a negative credit score can be improved by improving your driving habits or financial responsibility.
  2. Obtain price quotes from exclusive agents, independent agents, and direct providers. Exclusive and direct companies can only give rate quotes from a single company like GEICO or State Farm, while independent agencies can give you price quotes for a wide range of insurance providers.
  3. Compare the new quotes to the premium of your current policy to see if you can save by switching companies. If you find a better price and switch companies, make sure there is no coverage gap between policies.
  4. Notify your agent or company to cancel your existing policy and submit a completed application and payment to your new insurance company. As soon as you can, put the new certificate verifying proof of insurance in your vehicle’s glove compartment or console.

A key point to remember is that you’ll want to compare the same liability limits and deductibles on every quote and and to get price estimates from every insurance company. This provides the most accurate price comparison and the best rate selection.

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