How to Compare Charlotte Saab 9-3 Insurance

It’s hard to fathom, but nearly 70% of drivers kept their coverage with the same insurance company for a minimum of four years, and roughly 40% of drivers have never compared insurance rates at all. North Carolina drivers could pocket 10% a year just by getting comparison quotes, but most just don’t grasp the actual amount they would save if they moved their coverage to a different company.

Discount Saab 9-3 insuranceThe best way we recommend to find affordable Saab 9-3 insurance is to begin comparing prices regularly from insurance carriers that sell auto insurance in Charlotte. You can compare rates by completing these steps.

Step 1: Try to comprehend how your policy works and the measures you can control to keep rates low. Many policy risk factors that drive up the price like careless driving and an unacceptable credit history can be improved by making minor driving habit or lifestyle changes. This article provides more ideas to keep prices down and find available discounts that you may qualify for.

Step 2: Compare rates from exclusive agents, independent agents, and direct providers. Direct and exclusive agents can only give prices from one company like Progressive or Farmers Insurance, while independent agents can provide prices from multiple sources.

Step 3: Compare the new rates to your existing rates and determine if cheaper 9-3 coverage is available in Charlotte. If you find a better price, ensure coverage does not lapse between policies.

Step 4: Notify your agent or company of your intent to cancel your existing policy and submit payment and a signed application to your new agent or company. Make sure you place your new certificate of insurance in an accessible location in your vehicle.

An important note is that you’ll want to compare similar deductibles and liability limits on every quote request and and to get price estimates from all possible companies. Doing this provides a level playing field and a thorough price selection.

We hope to teach you a little about how to get online quotes and some tips to save money. If you have coverage now, you will be able to buy cheaper auto insurance using the tips covered below. Vehicle owners only need an understanding of the most efficient way to compare rate quotes on the web.

Don’t overlook these Saab 9-3 insurance discounts

Car insurance is not cheap nor is it fun to buy but you might be missing out on some discounts that you may not know about. Certain discounts will be triggered automatically at the time of purchase, but less common discounts must be asked for before you will receive the discount.

Consumers should know that many deductions do not apply to the whole policy. Some only apply to individual premiums such as liability and collision coverage. Despite the appearance that all the discounts add up to a free policy, it doesn’t quite work that way. Any qualifying discounts should help lower the amount you pay for coverage.

The example below visualizes the comparison of Saab 9-3 auto insurance rates with and without discounts applied to the rates. The data is based on a female driver, no accidents or driving violations, North Carolina state minimum liability limits, comp and collision included, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, marriage, claim-free, multi-car, homeowner, and safe-driver discounts applied.

The best car insurance companies and a selection of discounts are detailed below.

Before purchasing a policy, check with each company or agent what discounts are available to you. Savings might not apply in Charlotte. If you would like to choose from a list of car insurance companies that offer multiple discounts in North Carolina, click this link.

Saab 9-3 insurance quotes comparison

The companies shown below can provide price quotes in North Carolina. If you wish to find the cheapest car insurance in North Carolina, we suggest you visit as many as you can in order to get a fair rate comparison.

Insurance data for a Saab 9-3

The premium information below covers a range of insurance policy prices for Saab 9-3 models. Having a better understanding of how policy rates are calculated helps drivers make smart policy decisions.


Saab 9-3 Insurance Rates in Charlotte, NC
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
9-3 2.0T 4-Dr Sedan $208 $432 $276 $16 $82 $1,014 $85
9-3 2.0T Station Wagon $208 $432 $276 $16 $82 $1,014 $85
9-3 2.0T XWD 4-Dr Sedan $208 $432 $276 $16 $82 $1,014 $85
9-3 Aero 4-Dr Sedan $232 $496 $276 $16 $82 $1,102 $92
9-3 2.0T 2-Dr Convertible $232 $496 $324 $20 $96 $1,168 $97
9-3 2.0T XWD Station Wagon $232 $496 $276 $16 $82 $1,102 $92
9-3 Aero Station Wagon $232 $496 $276 $16 $82 $1,102 $92
9-3 Aero XWD 4-Dr Sedan $232 $496 $276 $16 $82 $1,102 $92
9-3 Aero 2-Dr Convertible $256 $562 $324 $20 $96 $1,258 $105
Get Your Own Custom Quote Go

Above prices assume single female driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and North Carolina minimum liability limits. Discounts applied include homeowner, claim-free, multi-policy, multi-vehicle, and safe-driver. Estimates do not factor in specific garaging location which can modify insurance rates considerably.

Deductible analysis

One common question asked by Charlotte drivers is how low should you set your deductibles. The rates shown below may aid in understanding the cost difference when you select higher and lower physical damage deductibles. The first data table uses a $250 physical damage coverage deductible and the second data table uses a $500 deductible.


Saab 9-3 insurance premium rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
9-3 2.0T 4-Dr Sedan $218 $382 $212 $12 $64 $913 $76
9-3 2.0T Station Wagon $218 $382 $212 $12 $64 $913 $76
9-3 2.0T XWD 4-Dr Sedan $218 $382 $212 $12 $64 $913 $76
9-3 Aero 4-Dr Sedan $242 $440 $212 $12 $64 $995 $83
9-3 2.0T 2-Dr Convertible $242 $440 $250 $14 $74 $1,045 $87
9-3 2.0T XWD Station Wagon $242 $440 $212 $12 $64 $995 $83
9-3 Aero Station Wagon $242 $440 $212 $12 $64 $995 $83
9-3 Aero XWD 4-Dr Sedan $242 $440 $212 $12 $64 $995 $83
9-3 Aero 2-Dr Convertible $266 $498 $250 $14 $74 $1,127 $94
Get Your Own Custom Quote Go

Saab 9-3 insurance premium rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
9-3 2.0T 4-Dr Sedan $176 $308 $212 $12 $64 $772 $64
9-3 2.0T Station Wagon $176 $308 $212 $12 $64 $772 $64
9-3 2.0T XWD 4-Dr Sedan $176 $308 $212 $12 $64 $772 $64
9-3 Aero 4-Dr Sedan $196 $354 $212 $12 $64 $838 $70
9-3 2.0T 2-Dr Convertible $196 $354 $250 $14 $74 $888 $74
9-3 2.0T XWD Station Wagon $196 $354 $212 $12 $64 $838 $70
9-3 Aero Station Wagon $196 $354 $212 $12 $64 $838 $70
9-3 Aero XWD 4-Dr Sedan $196 $354 $212 $12 $64 $838 $70
9-3 Aero 2-Dr Convertible $216 $402 $250 $14 $74 $956 $80
Get Your Own Custom Quote Go

Data rating is based on married male driver age 30, no speeding tickets, no at-fault accidents, and North Carolina minimum liability limits. Discounts applied include multi-vehicle, safe-driver, claim-free, multi-policy, and homeowner. Price information does not factor in vehicle garaging location which can affect premium rates considerably.

Based on the data above, we can derive that using a $250 deductible costs about $12 more each month or $144 for a full year than requesting the higher $500 deductible. Due to the fact that you would have to pay $250 more if you file a claim with a $500 deductible as compared to a $250 deductible, if you tend to go more than 21 months between claims, you would save more money by selecting a higher deductible.

How to determine if a higher deductible is a good idea

Average monthly premium for $250 deductibles: $82
Average monthly premium for $500 deductibles (subtract): – $70
Monthly savings from raising deductible: $12
Difference between deductibles ($500 – $250): $250
Divide difference by monthly savings: $250 / $12
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 21 months

One important issue to know is that increasing deductibles to lower your rates means you will have to pay more of your own money when you have a physical damage claim. You need some money saved in order to pay the higher deductible in order to repair your vehicle.

The chart below illustrates how choosing a deductible and can change Saab 9-3 insurance prices for different age groups. The rates are based on a single male driver, full physical damage coverage, and no discounts are taken into consideration.

Insurance rate increases from tickets or accidents

The illustration below highlights how speeding tickets and accident claims can influence Saab 9-3 insurance costs for each different age group. The rate quotes are based on a married male driver, comp and collision included, $100 deductibles, and no policy discounts are applied.

Liability only or full coverage

The diagram below compares Saab 9-3 annual premium costs with full physical damage coverage compared to only buying the minimum liability limits required in North Carolina. The data is based on no accidents or driving violations, $500 deductibles, marital status is single, and no discounts are taken into consideration.

When to eliminate full coverage

There is no definitive rule of when to phase out full coverage, but there is a general guideline. If the yearly cost of full coverage is more than around 10% of the replacement cost of your vehicle minus the policy deductible, then it might be time to consider dropping full coverage.

For example, let’s say your Saab 9-3 replacement cost is $6,000 and you have $1,000 deductibles. If your vehicle is damaged in an accident, the most you would receive is $5,000 after the policy deductible has been paid. If it’s costing in excess of $500 a year for full coverage, then it could be time to drop full coverage.

There are some conditions where buying only liability insurance is not advised. If you have an outstanding loan on your vehicle, you must maintain physical damage coverage to protect the lienholder’s interest. Also, if you don’t have enough money to buy a different vehicle in the even your car is totaled, you should keep full coverage in place.

Four Tips to Get More Affordable Charlotte Insurance Rates

Lots of things are considered when pricing auto insurance. Some factors are common sense like your driving record, although others are less apparent like your vehicle usage and annual miles driven. The best way to find cheaper insurance is to take a look at the rating factors that help determine the rates you pay for insurance. When you understand what influences your rates, this enables you to make decisions that may reward you with big savings.

The factors shown below are most of the major factors companies use to determine premiums.

What if I want to buy from local Charlotte car insurance agents?

Some people still prefer to buy from a licensed agent and often times that is recommended Insurance agents can help you build your policy and help in the event of a claim. An additional benefit of comparing rate quotes online is that you can obtain better rates and also buy local. And providing support for neighborhood agents is important particularly in Charlotte.

Find insurance agent in CharlotteTo make it easy to find an agent, after completing this simple form, your information is sent to local insurance agents that can provide free Charlotte auto insurance quotes for your insurance coverage. It simplifies rate comparisons since you won’t have to contact any agents as quotes are delivered to the email address you provide. If you need to compare rates from one company in particular, feel free to navigate to their website and fill out the quote form the provide.

When searching for a reliable agent, you need to know there are two different agency structures that you can select. Insurance agents can be described as either independent agents or exclusive agents depending on their employer. Either can sell affordable insurance policies, but it’s good to learn the difference in the companies they write for because it can impact the selection process.

Independent Insurance Agents (or Brokers)

Independent agents do not have single company limitations so they can write business with a variety of different insurance companies and find the cheapest insurance rates. If premiums increase, they can switch companies in-house and you won’t have to switch agencies. When shopping rates, you will definitely want to contact multiple independent agents for the best price selection.

Shown below are Charlotte independent agencies who can help you get free insurance quotes.


3121 Springbank Ln FCharlotte, NC 28226(704) 752-8233View Map


7810 Ballantyne Commons Pkwy # 300Charlotte, NC 28277(704) 543-2700View Map


212 S Tryon St #1605Charlotte, NC 28281(704) 885-8006View Map

View more agents

Exclusive Insurance Agents

These type of agents are contracted to one company and examples are American Family, State Farm, and Allstate. Exclusive agents cannot provide prices from multiple companies so always compare other rates. These agents are well schooled on what they offer which helps them compete with independent agents.

Shown below is a short list of exclusive agencies in Charlotte that are able to give price quote information.


501 S Sharon Amity Rd #200Charlotte, NC 28211(704) 971-3030View Map


601 S Kings Dr, Ste FFCharlotte, NC 28204(704) 376-3479View Map


9401 Statesville Rd Ste ECharlotte, NC 28269(704) 509-5854View Map

View more agents

Choosing an car insurance agent shouldn’t rely on just a cheap price quote. These questions are important to ask:

If you get positive responses and an affordable coverage quote, you’ve probably found an auto insurance agent that is reputable and can service your policy.

Insurance is not optional in North Carolina

Even though Charlotte 9-3 insurance rates can get expensive, maintaining insurance is mandatory in North Carolina but it also protects more than you think.

The benefits of having insurance more than cancel out the cost, specifically if you ever have a liability claim. The average driver in America overpays as much as $830 a year so you should quote rates at least once a year to make sure the price is not too high.

One last note

Cheaper Saab 9-3 insurance in Charlotte is attainable both online and from local insurance agents, and you need to comparison shop both to have the best selection. Some companies may not provide online rate quotes and these small insurance companies only sell coverage through local independent agencies.

Throughout this article, we presented a lot of techniques to reduce Saab 9-3 insurance auto insurance rates online in Charlotte. The key concept to understand is the more rate comparisons you have, the better chance you’ll have of finding low cost Charlotte auto insurance quotes. You may even discover the lowest priced car insurance comes from a small mutual company. Regional companies may have significantly lower premium rates on certain market segments as compared to the big name companies such as GEICO and State Farm.

Additional learning opportunities