How many years has it been since you compared more affordable insurance rates in Toledo, OH? Toledo buyers have lots of choices when searching for the best price on Saab 9-3 insurance. You can either spend your time driving around to compare prices or save time using the internet to get rate quotes.
There is a right way and a wrong way to shop for insurance so we’re going to tell you the absolute fastest way to get price quotes for a Saab and locate the lowest possible price.
Toledo Insurance Rates are Influenced by These Factors
Consumers need to have an understanding of a few of the rating criteria that aid in calculating your car insurance rates. If you have a feel for what impacts premium levels, this enables you to make decisions that will entitle you to lower premium levels.
Listed below are some of the major factors used by companies to determine premiums.
- Lower car insurance rates with GPS tracking and theft deterrents – Selecting a car model with an alarm system can help lower your premiums. Advanced theft deterrents such as LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system all help prevent car theft and help bring rates down.
- Is you job costing you more? – Did you know that where you work can have an impact on rates? Occupational choices like real estate brokers, executives, and dentists have higher average rates because of intense work-related stress and lots of time spent away from family. Other careers like professors, students and the unemployed have the lowest average rates.
- Single drivers take more risk – Having a wife or husband actually saves money on your car insurance bill. It usually means you are more mature and insurance companies like that married couples file fewer claims.
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Teenage driver insurance premiums – Youthful drivers in Ohio tend to be careless and easily distracted when driving and because of this, their car insurance rates are much higher. If you’ve ever had to add a teenage driver onto a policy can increase premiums substantially. Older insureds are viewed as being more responsible, are lower risk to insure, and are safer drivers.
The data below is based on a single driver, full coverage with $100 deductibles, and no discounts or violations.
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Performance influences rates – The make and model of the car or truck you are buying insurance for makes a significant difference in the rate you pay. The cheapest insurance rates are generally reserved for lower cost passenger vehicles, but there are many factors that impact the final cost.
The data below assumes a single male driver age 20, full coverage with $500 deductibles, and no discounts or violations. The chart compares Saab 9-3 rates compared to other models of vehicles that have a range of performance risks.
- Safety first – Vehicles with high crash test scores tend to have lower insurance rates. Highly rated vehicles have better occupant injury protection and better occupant protection means lower claim amounts which can mean better rates for you.
- Do you know your coverage deductibles? – Physical damage protection, aka comp and collision, protects your Saab from damage. Examples of some claims that would be covered could be a broken side mirror, damage from fire, and damage caused by flying debris. Physical damage deductibles are the amount of money you are willing to pay in the event of a claim. The more you’re willing to pay, the less your company will charge you for insurance.
Most companies such as Allstate, GEICO and Progressive allow consumers to get price estimates direct online. Doing online quotes for Saab 9-3 insurance in Toledo is possible for anyone because you just enter the amount of coverage you want into the form. When complete, their rating system sends out for reports for credit and driving violations and quotes a price based on these factors.
This simplifies rate comparisons, and it’s very important to perform this step if you want to find the cheapest price on auto insurance.
To quickly compare pricing, compare rates now from the companies shown below. If you currently have coverage, we recommend you input the insurance coverages as close as possible to your current policy. This ensures you will have rate comparison quotes for exact coverage.
The companies shown below provide free quotes in Ohio. If your goal is to find the cheapest auto insurance in Ohio, it’s a good idea that you click on several of them to get the cheapest price.
Saab 9-3 insurance coverage information
The rate information shown below highlights a range of prices for Saab 9-3 models. Being more informed about how rates are figured can aid in making smart choices when comparing insurance quotes.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| 9-3 2.0T 4-Dr Sedan | $212 | $470 | $250 | $14 | $76 | $1,022 | $85 |
| 9-3 2.0T Station Wagon | $212 | $470 | $250 | $14 | $76 | $1,022 | $85 |
| 9-3 2.0T XWD 4-Dr Sedan | $212 | $470 | $250 | $14 | $76 | $1,022 | $85 |
| 9-3 Aero 4-Dr Sedan | $236 | $540 | $250 | $14 | $76 | $1,116 | $93 |
| 9-3 2.0T 2-Dr Convertible | $236 | $540 | $296 | $18 | $88 | $1,178 | $98 |
| 9-3 2.0T XWD Station Wagon | $236 | $540 | $250 | $14 | $76 | $1,116 | $93 |
| 9-3 Aero Station Wagon | $236 | $540 | $250 | $14 | $76 | $1,116 | $93 |
| 9-3 Aero XWD 4-Dr Sedan | $236 | $540 | $250 | $14 | $76 | $1,116 | $93 |
| 9-3 Aero 2-Dr Convertible | $260 | $612 | $296 | $18 | $88 | $1,274 | $106 |
| Get Your Own Custom Quote Go | |||||||
Cost estimates assume single female driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Ohio minimum liability limits. Discounts applied include claim-free, safe-driver, multi-vehicle, homeowner, and multi-policy. Prices do not factor in the specific area where the vehicle is garaged which can influence price quotes substantially.
Physical damage deductibles: Should you raise them?
One of the most common car insurance questions is which comprehensive and collision deductibles to buy. The premium rates below can help show the rate fluctuation when you buy lower versus higher physical damage deductibles. The first set of rates uses a $100 deductible and the second set of rates uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| 9-3 2.0T 4-Dr Sedan | $220 | $416 | $192 | $12 | $58 | $923 | $77 |
| 9-3 2.0T Station Wagon | $220 | $416 | $192 | $12 | $58 | $923 | $77 |
| 9-3 2.0T XWD 4-Dr Sedan | $220 | $416 | $192 | $12 | $58 | $923 | $77 |
| 9-3 Aero 4-Dr Sedan | $246 | $478 | $192 | $12 | $58 | $1,011 | $84 |
| 9-3 2.0T 2-Dr Convertible | $246 | $478 | $226 | $14 | $68 | $1,057 | $88 |
| 9-3 2.0T XWD Station Wagon | $246 | $478 | $192 | $12 | $58 | $1,011 | $84 |
| 9-3 Aero Station Wagon | $246 | $478 | $192 | $12 | $58 | $1,011 | $84 |
| 9-3 Aero XWD 4-Dr Sedan | $246 | $478 | $192 | $12 | $58 | $1,011 | $84 |
| 9-3 Aero 2-Dr Convertible | $270 | $542 | $226 | $14 | $68 | $1,145 | $95 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| 9-3 2.0T 4-Dr Sedan | $160 | $280 | $192 | $12 | $58 | $702 | $59 |
| 9-3 2.0T Station Wagon | $160 | $280 | $192 | $12 | $58 | $702 | $59 |
| 9-3 2.0T XWD 4-Dr Sedan | $160 | $280 | $192 | $12 | $58 | $702 | $59 |
| 9-3 Aero 4-Dr Sedan | $180 | $324 | $192 | $12 | $58 | $766 | $64 |
| 9-3 2.0T 2-Dr Convertible | $180 | $324 | $226 | $14 | $68 | $812 | $68 |
| 9-3 2.0T XWD Station Wagon | $180 | $324 | $192 | $12 | $58 | $766 | $64 |
| 9-3 Aero Station Wagon | $180 | $324 | $192 | $12 | $58 | $766 | $64 |
| 9-3 Aero XWD 4-Dr Sedan | $180 | $324 | $192 | $12 | $58 | $766 | $64 |
| 9-3 Aero 2-Dr Convertible | $198 | $366 | $226 | $14 | $68 | $872 | $73 |
| Get Your Own Custom Quote Go | |||||||
Premium data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Ohio minimum liability limits. Discounts applied include safe-driver, multi-vehicle, claim-free, homeowner, and multi-policy. Rates do not factor in specific garaging location which can alter coverage rates greatly.
Based on the figures above, using a $100 deductible costs about $19 more each month or $228 each year than opting for the higher $500 deductible. Because you would be required to pay $400 more to settle a claim with a $500 deductible as compared to a $100 deductible, if you tend to have at a minimum 21 months between claims, you would most likely save money by selecting a higher deductible.
How to determine when to raise your deductibles
| Average monthly premium for $100 deductibles: | $83 |
| Average monthly premium for $500 deductibles (subtract): | – $64 |
| Monthly savings from raising deductible: | $19 |
| Difference between deductibles ($500 – $100): | $400 |
| Divide difference by monthly savings: | $400 / $19 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 21 months |
The information below illustrates how your choice of deductibles and can affect Saab 9-3 annual premium costs for different insured age categories. The costs are based on a married male driver, full physical damage coverage, and no discounts are applied.
Tickets and at-fault accidents raise rates
The chart below shows how traffic citations and at-fault collisions drive up Saab 9-3 auto insurance costs for different age groups. The information is based on a married female driver, full physical damage coverage, $1,000 deductibles, and no additional discounts are factored in.
Annual premiums for males compared to females
The diagram below illustrates the comparison of Saab 9-3 insurance premiums for male and female drivers. The price estimates are based on no claims, a clean driving record, full coverage, $100 deductibles, single status, and no discounts are applied.
Full coverage versus liability-only in Toledo
The diagram below illustrates the difference between Saab 9-3 auto insurance rates when comparing full coverage to liability only. The costs are based on no accidents, no driving violations, $1,000 deductibles, single marital status, and no discounts are applied.
Should you buy full coverage or liability only?
There is no clear-cut formula for phasing out comprehensive and collision coverage on your policy, but there is a general guideline. If the annual cost of comprehensive and collision coverage is more than around 10% of the settlement you would receive from your company, then you might consider buying liability only.
For example, let’s pretend your Saab 9-3 replacement value is $5,000 and you have $1,000 physical damage deductibles. If your vehicle is destroyed, the most you would receive is $4,000 after paying your policy deductible. If it’s costing you more than $400 annually for full coverage, then you might consider buying liability only.
There are some circumstances where eliminating full coverage is not in your best interest. If you still have a loan on your vehicle, you have to keep full coverage as part of the loan conditions. Also, if your emergency fund is not enough to purchase a different vehicle in the even your car is totaled, you should not consider dropping full coverage.
Why you need car insurance
Despite the potentially high cost of Saab 9-3 insurance, maintaining insurance may not be optional for several reasons.
- Almost all states have compulsory liability insurance requirements which means the state requires a specific level of liability insurance in order to drive the car. In Ohio these limits are 25/50/25 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
- If your Saab has a lienholder, almost all lenders will make it mandatory that you buy insurance to ensure they get paid if you total the vehicle. If you default on your policy, the bank or lender will purchase a policy for your Saab at an extremely high rate and make you pay the higher price.
- Car insurance protects both your car and your personal assets. Insurance will also pay for all forms of medical expenses for not only you but also any passengers injured in an accident. One policy coverage, liability insurance, also pays expenses related to your legal defense if you cause an accident and are sued. If mother nature or an accident damages your car, comprehensive and/or collision insurance will pay all costs to repair after the deductible has been paid.
The benefits of carrying enough insurance more than cancel out the cost, especially if you ever need it. According to a survey of 1,000 drivers, the average driver overpays as much as $855 a year so it’s recommended you shop around at every policy renewal to ensure rates are competitive.
Discounts mean cheaper rates for Saab 9-3 insurance in Toledo
Companies that sell car insurance don’t necessarily list all available discounts very well, so below is a list both the well known as well as some of the hidden credits that you can use to lower your rates. If you do not double check each discount you deserve, you are paying more than you should be.
- Claim Free – Claim-free drivers are rewarded with significantly better rates on Toledo auto insurance quote in comparison with policyholders that have many claims.
- Multi-line Discount – Not every insurance company offers life insurance, but if they do you may earn a small discount if you purchase a life policy as well.
- Drivers Ed for Students – Cut your cost by having your teen driver enroll and complete driver’s education if offered at their school.
- Federal Government Employee – Federal government employees could qualify for a slight premium decrease with select insurance companies.
- Military Rewards – Being on active deployment in the military could mean lower rates.
- Discount for New Cars – Insuring a new 9-3 can get you a discount because new model year vehicles have to meet stringent safety requirements.
- Cautious Drivers – Drivers without accidents can save as much as half off their rates compared to accident prone drivers.
- Early Switch Discount – A few companies allow discounts for buying a policy before your current coverage expires. It can save you around 10%.
Keep in mind that most of the big mark downs will not be given to the whole policy. Most only cut individual premiums such as comp or med pay. So when it seems like you would end up receiving a 100% discount, it just doesn’t work that way.
The illustration below compares Saab 9-3 car insurance rates with and without discounts applied to the policy rates. The rates are based on a male driver, no accidents or driving violations, Ohio state minimum liability limits, full coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, multi-policy, homeowner, safe-driver, marriage, and claim-free discounts applied.
The best car insurance companies and a summarized list of policyholder discounts are shown below.
- Travelers discounts include early quote, driver training, multi-policy, student away at school, new car, home ownership, and hybrid/electric vehicle.
- 21st Century has savings for homeowners, teen driver, air bags, early bird, and good student.
- State Farm has discounts for good driver, defensive driving training, multiple autos, driver’s education, and anti-theft.
- GEICO may have discounts that include five-year accident-free, good student, anti-lock brakes, membership and employees, daytime running lights, and seat belt use.
- SAFECO offers discounts for safe driver, bundle discounts, multi-car, teen safety rewards, drive less, and homeowner.
- AAA may include discounts for education and occupation, good driver, AAA membership discount, anti-theft, and multi-policy.
Before you buy a policy, ask all companies you are considering to apply every possible discount. Some discounts might not be offered on policies in your area.
When should I contact an insurance agency?
A lot of people would prefer to buy from a licensed agent and doing so can bring peace of mind Professional agents can help determine the best coverages and help submit paperwork. One of the benefits of price shopping on the web is that you can find the best rates but also keep your business local. Supporting local agents is important especially in Toledo.
Upon completion of this short form, your coverage information gets sent to local insurance agents in Toledo that can give you free Toledo auto insurance quotes and help you find cheaper coverage. You don’t have to contact any insurance agencies because prices are sent immediately to you. If you need to compare rates from a specific insurance company, just navigate to their website and fill out the quote form the provide.
Exclusive agents vs. Independent agents
If you are searching for a reliable insurance agent, there are two different types of agents and how they operate. Agents in Toledo can be categorized as either exclusive or independent (non-exclusive). Either can provide auto insurance policies, but it’s a good idea to understand why they differ because it can factor into which type of agent you select.
Independent Agents (or Brokers)
Agents that choose to be independent often have many company appointments so they can quote policies with an assortment of companies and get you the best rates possible. If they find a cheaper price, an independent agent can move your coverage and that require little work on your part.
When comparing rates, you absolutely need to get several quotes from several independent insurance agents to ensure the widest selection of prices. Most independent agents also contract with less well-known companies which may provide better rates.
Shown below is a small list of independent insurance agencies in Toledo that may be able to provide rate quotes.
- Westgate Insurance
3450 Central Ave #344 – Toledo, OH 43606 – (419) 536-2213 – View Map - Regan Insurance
3034 W Sylvania Ave – Toledo, OH 43613 – (419) 292-0001 – View Map - RBI Insurance and Financial Services
3421 N Holland Sylvania Rd – Toledo, OH 43615 – (419) 841-4446 – View Map
Exclusive Agents
Agents that choose to be exclusive can only write with one company like AAA, Allstate, and State Farm. Exclusive agents cannot compare other company’s rates so they have to upsell other benefits. Exclusive agencies receive extensive training on the products they sell which helps them compete with independent agents. Many people purchase coverage from exclusives mostly because of the prominence of the brand and solid financial strength.
Shown below is a list of exclusive insurance agencies in Toledo willing to provide comparison quotes.
- Dave Bly – State Farm Insurance Agent
2416 W Laskey Rd – Toledo, OH 43613 – (419) 474-9672 – View Map - Allstate Insurance: J. Mark Atkins
5330 Heatherdowns Blvd Ste 203 – Toledo, OH 43614 – (419) 867-8887 – View Map - Farmers Insurance – Nicholas Chupp
2338 W Laskey Rd – Toledo, OH 43613 – (419) 861-3412 – View Map
Choosing an auto insurance agent should depend on more than just the premium amount. The questions below may impact your decision as well.
- Do they get paid more for recommending certain coverages?
- Does the agent have a valid license to sell insurance in Ohio?
- Do they assist clients in filing claims?
- If your car is totaled, how to they determine the replacement cost?
- Will the quote change when the policy is issued?
- What company do they have the most business with?
- Are they in the agency full-time?
Toledo car insurance companies ranked
Ending up with the right car insurance provider is difficult considering how many companies sell coverage in Ohio. The ranking data in the next section may help you pick which providers you want to consider when comparing rate quotes.
Top 10 Toledo Car Insurance Companies Ranked by Customer Service
- Nationwide
- State Farm
- Safeco Insurance
- American Family
- Titan Insurance
- Travelers
- Liberty Mutual
- GEICO
- Erie Insurance
- Allstate
Top 10 Toledo Car Insurance Companies by A.M. Best Rank
- USAA – A++
- GEICO – A++
- Travelers – A++
- State Farm – A++
- Allstate – A+
- Progressive – A+
- Erie Insurance – A+
- The Hartford – A+
- Nationwide – A+
- Esurance – A+
Smart consumers save more
As you prepare to switch companies, don’t be tempted to skimp on critical coverages to save a buck or two. Too many times, drivers have reduced liability limits or collision coverage only to discover later that they should have had better coverage. Your strategy should be to buy the best coverage you can find at the best possible price while still protecting your assets.
Lower-priced car insurance in Toledo is attainable from both online companies as well as from independent agents in Toledo, and you should compare price quotes from both to get a complete price analysis. A few companies do not offer online price quotes and usually these small insurance companies sell through independent agents.
Throughout this article, we presented a lot of ways to reduce Saab 9-3 insurance premium rates online in Toledo. It’s most important to understand that the more companies you get prices for, the better your chances of lowering your prices. Consumers could even find that the lowest priced car insurance comes from a small local company.
Steps to buying lower priced Saab 9-3 insurance in Toledo
It takes a little time, but the best way to get budget car insurance rates is to compare quotes once a year from providers in Toledo.
Step 1: Read about policy coverages and the factors you can control to drop your rates. Many factors that result in higher rates like at-fault accidents, speeding tickets, and a not-so-good credit score can be rectified by making minor changes in your lifestyle.
Step 2: Request rate estimates from direct, independent, and exclusive agents. Direct companies and exclusive agencies can only give prices from one company like GEICO or Farmers Insurance, while independent agents can quote rates from multiple sources. Start a quote
Step 3: Compare the new rate quotes to the premium of your current policy and see if there is a cheaper rate in Toledo. If you find a lower rate and buy the policy, make sure there is no lapse between the expiration of your current policy and the new one.
Step 4: Provide proper notification to your current company to cancel your current policy and submit a down payment along with a completed application to your new company or agent. Once coverage is bound, keep the new proof of insurance certificate in a readily accessible location in your vehicle.
An important bit of advice to remember is to make sure you enter identical limits and deductibles on every quote request and and to get price quotes from every company you can. Doing this guarantees a fair rate comparison and a thorough selection of prices.
Helpful articles
- Self-driving cars won’t replace humans (Insurance Institute for Highway Safety)
- Who Has Affordable Toledo Car Insurance for Drivers with Accidents? (FAQ)
- Who Has Affordable Auto Insurance for Electric Cars in Toledo? (FAQ)
- How Can I Save Money on Auto Insurance? (Insurance Information Institute)
- Dangers of fake or stolen airbags (Insurance Institute for Highway Safety)
- Safe Vehicles for Teens (iihs.org)
- Vehicle Safety Ratings (iihs.org)