Would you prefer to buy more affordable Saab 9-5 insurance in Atlanta? If you are a novice to online insurance shopping, you may be overwhelmed by the vast number of online companies all claiming to have the lowest rates for Saab 9-5 insurance in Atlanta.
A recent insurance study revealed that nearly 70% of customers kept buying from the same company for more than four years, and about 40% of consumers have never even compared rates from other companies. Many drivers in Atlanta could save an average of nearly 60% each year just by shopping around, but they think it’s difficult to find cheap rates by getting comparison quotes.
If you are insured now, you will surely be able to reduce premiums using these methods. Buying the most affordable insurance in Atlanta is easy if you know what you’re doing. Although Georgia drivers benefit from understanding the way companies price insurance differently because rates fluctuate considerably.
The quickest way to compare car insurance company rates for Saab 9-5 insurance in Atlanta is to know the trick car insurance companies have advanced systems to give you rate quotes. The one thing you need to do is give them some information including if you have an active license, if a SR-22 is required, whether you have decent credit, and how old drivers are. The rating information is submitted instantly to insurance carriers in your area and they return quotes within a short period of time.
If you would like to start a quote now, click here and find out if you can get cheaper insurance in Atlanta.
The companies shown below are our best choices to provide price quotes in Georgia. If multiple companies are listed, it’s a good idea that you click on several of them to get a more complete price comparison.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| 9-5 Aero XWD 4-Dr Sedan | $250 | $558 | $512 | $30 | $154 | $1,504 | $125 |
| Get Your Own Custom Quote Go | |||||||
Prices based on single female driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Georgia minimum liability limits. Discounts applied include multi-vehicle, multi-policy, safe-driver, homeowner, and claim-free. Premium amounts do not factor in garaging location in Atlanta which can revise coverage prices significantly.
An analysis of deductible level
One of the more difficult decisions when buying car insurance is the level to set your comp and collision deductibles. The rates shown below show the rate differences between high and low physical damage deductibles. The first data table uses a $100 deductible and the second rate chart uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| 9-5 Aero XWD 4-Dr Sedan | $470 | $938 | $394 | $24 | $118 | $1,969 | $164 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| 9-5 Aero XWD 4-Dr Sedan | $342 | $634 | $394 | $24 | $118 | $1,512 | $126 |
| Get Your Own Custom Quote Go | |||||||
Cost estimates assume married male driver age 30, no speeding tickets, no at-fault accidents, and Georgia minimum liability limits. Discounts applied include claim-free, multi-policy, multi-vehicle, homeowner, and safe-driver. Information does not factor in specific location which can affect coverage prices significantly.
Based on this data, we can arrive at the conclusion that using a $100 deductible costs about $38 more each month or $456 every year than selecting the higher $500 deductible. Since the policyholder would be required to pay $400 more out of your own pocket with a $500 deductible as compared to a $100 deductible, if you go more than 11 months between claims, you would probably save some money if you choose a higher deductible.
Safe drivers pay less for car insurance
The illustration below shows how violations and at-fault claims raise Saab 9-5 auto insurance rates for different age groups. The data is based on a married male driver, full physical damage coverage, $1,000 deductibles, and no discounts are applied.
Saab 9-5 insurance discounts in Atlanta
Companies offering auto insurance do not list every possible discount very well, so here is a list both the well known and also the more inconspicuous credits that you can use to lower your rates.
- Responsible Driver Discounts – Drivers who don’t get into accidents can pay as much as 50% less than drivers with accident claims.
- Pay Upfront and Save – By making one initial payment as opposed to paying monthly you can actually save on your bill.
- Seat Belt Discounts – Drivers who always wear seat belts and also require passengers to buckle up may be able to save a few bucks off the personal injury premium cost.
- Senior Discount – Older drivers may qualify for lower premium rates.
- Low Mileage – Driving less can qualify you for lower rates on the low mileage vehicles.
Discounts reduce rates, but you should keep in mind that most discount credits are not given to the entire cost. Most only apply to the price of certain insurance coverages like comprehensive or collision. So when it seems like you can get free auto insurance, company stockholders wouldn’t be very happy. But any discount will lower your overall bill.
Popular car insurance companies and some of their more popular discounts can be found below.
- State Farm offers discounts for safe vehicle, anti-theft, good driver, student away at school, accident-free, driver’s education, and good student.
- American Family may offer discounts for TimeAway discount, defensive driver, good student, multi-vehicle, bundled insurance, and Steer into Savings.
- GEICO policyholders can earn discounts including multi-vehicle, federal employee, air bags, anti-theft, and defensive driver.
- 21st Century discounts include homeowners, driver training, good student, theft prevention, and anti-lock brakes.
- Progressive has savings for homeowner, good student, multi-policy, multi-vehicle, online signing, continuous coverage, and online quote discount.
If you need cheaper Atlanta car insurance quotes, ask each company or agent how many discounts you can get. Depending on the company, some discounts may not apply in every state. To locate companies that can offer you the previously mentioned discounts in Atlanta, click this link.
Good Decisions Result in Lower Insurance Costs
Smart consumers have a good feel for some of the things that come into play when calculating the rates you pay for auto insurance. If you know what determines base rates, this empowers consumers to make smart changes that will entitle you to better auto insurance rates. Many factors are part of the equation when you get a price on insurance. Some are obvious such as your driving history, but other criteria are less apparent such as your credit history or your commute time.
File auto insurance claims and pay more – If you are a frequent claim filer, you can look forward to higher rates. Auto insurance companies in Georgia give better rates to people who are not frequent claim filers. Auto insurance is intended for larger claims.
Obey driving laws and save – Even one speeding ticket or other violation can increase the cost of insurance forty percent or more. Drivers with clean records get better rates as compared to careless drivers. People who have flagrant violations such as DUI or willful reckless driving may find they need to file a SR-22 with their state’s department of motor vehicles in order to keep their license.
Safety ratings are a factor – Safe vehicles can get you lower premiums. Safe vehicles reduce injuries and reduced instances of injuries means your insurance company pays less and thus lower rates. If your Saab 9-5 is rated at least four stars on Safercar.gov it is probably cheaper to insure.
How much liability insurance – A critical coverage on your policy, liability insurance provides coverage when you are ruled to be at fault for personal injury or accident damage. Your policy’s liability insurance provides you with a defense in court up to the limits shown on your policy. This coverage is relatively inexpensive compared to comp and collision, so drivers should buy more than the minimum limits required by law.
Compare rate quotes but buy from a local Atlanta insurance agent
Some consumers still prefer to go talk to an agent and that can be a smart move The biggest benefit of comparing insurance online is that you can find cheap insurance quotes but also keep your business local.
By using this simple form, your insurance coverage information is instantly submitted to agents in your area that can give you free Atlanta car insurance quotes for your insurance coverage. You never need to contact any agents as quotes are delivered to you instantly. You can find better rates and a licensed agent to work with. If you want to get a price quote from one company in particular, don’t hesitate to search and find their rate quote page and fill out the quote form the provide.
Finding the right company should include more criteria than just a cheap quote. These questions are important to ask:
- Do they get paid more for recommending certain coverages?
- Will one accident increase rates?
- Does the company use OEM repair parts?
- Will you work with the agent or an assistant?
- Will the company cover a rental car if your car is getting fixed?
If you want to buy insurance from local Atlanta agents, it helps to know the two types of insurance agents from which to choose. Insurance agents can either be independent or exclusive depending on the company they work for.
Exclusive Agencies
Exclusive insurance agents normally can only provide a single company’s rates and some examples include AAA, Allstate, and State Farm. They are unable to place coverage with different providers so you need to shop around if the rates are high. Exclusive agents are usually well trained on their company’s products which helps them sell insurance even at higher premiums. Some people will only use the same exclusive agent mostly because of the prominent brand name and strong financial ratings.
The following is a short list of exclusive insurance agencies in Atlanta willing to provide price quote information.
- Lindsay Mullen – State Farm Insurance Agent
2250 N Druid Hills Rd Ste 145 – Atlanta, GA 30329 – (404) 728-1000 – View Map - Traci McCrory – State Farm Insurance Agent
1526 E Forrest Ave #250 – Atlanta, GA 30344 – (678) 539-8623 – View Map - Trevor Nollner – State Farm Insurance Agent
881 Ponce De Leon Ave NE #17 – Atlanta, GA 30306 – (678) 515-8297 – View Map
Independent Agents
Independent insurance agents do not write with just one company so they have the ability to put coverage with a variety of different insurance companies and find you cheaper rates. To transfer your coverage to a different company, your agent can switch companies and that require little work on your part. If you are comparing rate quotes, we recommend you check rates from a couple of independent agencies for the best price selection. Many write coverage with smaller mutual companies which can be an advantage.
The following is a list of independent agents in Atlanta willing to provide price quotes.
- Siegel Insurance
2987 Clairmont Rd #425 – Atlanta, GA 30329 – (404) 633-6332 – View Map - Nationwide Insurance: Kevin Thompson Agency
216 14th St NW #8 – Atlanta, GA 30318 – (470) 355-1973 – View Map - PointeNorth Insurance Group
1100 Cir 75 Pkwy SE #140 – Atlanta, GA 30339 – (800) 634-2903 – View Map
A conclusion for your car insurance search
Consumers switch companies for a variety of reasons including extreme rates for teen drivers, delays in responding to claim requests, unfair underwriting practices or high rates after DUI convictions. Whatever your reason, switching companies is not as difficult as it may seem.
You just read many ways to reduce Saab 9-5 insurance auto insurance rates online in Atlanta. It’s most important to understand that the more price quotes you have, the better your chances of lowering your premium rates. You may even find the lowest auto insurance rates are with a smaller regional carrier.
When you buy Atlanta car insurance online, make sure you don’t sacrifice coverage to reduce premiums. In too many instances, someone sacrificed uninsured motorist or liability limits to discover at claim time that it was a big mistake. The goal is to purchase plenty of coverage at a price you can afford while still protecting your assets.
More tips and info about car insurance can be found in these articles:
- Cellphones, Texting and Driving (iihs.org)
- Who Has the Cheapest Auto Insurance for a Ford Focus in Atlanta? (FAQ)
- Who Has Affordable Atlanta Auto Insurance for Drivers with Bad Credit? (FAQ)
- Who Has Cheap Atlanta Auto Insurance for 19 Year Olds? (FAQ)
- How Much is Car Insurance After a Speeding Ticket in Atlanta? (FAQ)
- Who Has Cheap Auto Insurance for a Subaru Outback in Atlanta? (FAQ)
- Rearview cameras reduce backing crashes (Insurance Institute for Highway Safety)
- Information for Teen Drivers (GEICO)