Looking for cheaper insurance rates in Chicago, IL? Chicago consumers have a choice when looking for the best price on Saab 9-3 insurance. They can either spend hours struggling with agents to get rate comparisons or use the internet to compare rates.
There are both good and bad ways to shop for insurance so you're going to learn the best way to get price quotes on a Saab and find the lowest price either online or from Chicago insurance agents.
Companies offer money-saving discounts on Saab 9-3 insurance in Chicago
Auto insurance is neither fun to buy or cheap, but you may qualify for discounts that many people don't even know exist. Some discounts will apply when you quote, but a few need to be requested specifically prior to receiving the credit. If you don't get every credit you deserve, you may be paying too high a price.
- Early Payment Discounts - By making one initial payment rather than paying in monthly installments you could save up to 5%.
- Paper-free Discount - A few larger online companies may give you up to $50 for buying a policy and signing up digitally online.
- Theft Deterrent - Vehicles that have factory alarm systems and tracking devices are stolen with less frequency and will qualify for a discount on a Chicago car insurance quote.
- Senior Citizens - Mature drivers could receive reduced rates.
- Telematics Data Discounts - Policyholders that allow their insurance company to spy on driving patterns by using a telematics device such as Progressive's Snapshot could see a rate decrease if they exhibit good driving behavior.
- Discount for Life Insurance - Insurance companies who offer life insurance give a small discount if you purchase some life insurance in addition to your auto policy.
- Save with More Vehicles Insured - Insuring multiple cars or trucks with one company can reduce rates for all insured vehicles.
- Student in College - College-age children who are attending college and do not have a car may qualify for this discount.
- Defensive Driver Discount - Participating in a driver safety course could save 5% or more and also improve your driving technique.
- Discount for Passive Restraints - Cars that have air bags or automatic seat belts could see savings of 20% or more.
You can save money using discounts, but most discounts do not apply to your bottom line cost. Most cut specific coverage prices like liability, collision or medical payments. So when the math indicates you could get a free auto insurance policy, that's just not realistic.
To choose auto insurance companies that have a full spectrum of discounts in Illinois, click here.
The companies shown below are our best choices to provide free rate quotes in Chicago, IL. If multiple providers are shown, we suggest you click on several of them to get the best price comparison.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| 9-3 2.0T 4-Dr Sedan | $160 | $316 | $250 | $14 | $76 | $816 | $68 |
| 9-3 2.0T Station Wagon | $260 | $400 | $290 | $18 | $88 | $1,056 | $88 |
| 9-3 2.0T XWD 4-Dr Sedan | $196 | $412 | $250 | $14 | $76 | $948 | $79 |
| 9-3 Aero 4-Dr Sedan | $274 | $540 | $226 | $14 | $68 | $1,122 | $94 |
| 9-3 2.0T 2-Dr Convertible | $218 | $452 | $294 | $18 | $88 | $1,070 | $89 |
| 9-3 2.0T XWD Station Wagon | $120 | $240 | $208 | $12 | $62 | $642 | $54 |
| 9-3 Aero Station Wagon | $142 | $266 | $228 | $14 | $68 | $718 | $60 |
| 9-3 Aero XWD 4-Dr Sedan | $178 | $364 | $250 | $14 | $76 | $882 | $74 |
| 9-3 Aero 2-Dr Convertible | $240 | $516 | $246 | $14 | $74 | $1,090 | $91 |
| Get Your Own Custom Quote Go | |||||||
Premium data assumes married female driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Illinois minimum liability limits. Discounts applied include multi-vehicle, safe-driver, multi-policy, homeowner, and claim-free. Rate quotes do not factor in specific zip code location which can decrease or increase auto insurance rates greatly.
Rate comparison for different deductibles
One of the most common auto insurance questions is how high or low should comp and collision deductibles be. The following insurance rates determine the rate difference when you choose different deductibles. The first pricing table uses a $250 physical damage deductible and the second data table uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| 9-3 2.0T 4-Dr Sedan | $228 | $400 | $222 | $14 | $66 | $955 | $80 |
| 9-3 2.0T Station Wagon | $228 | $400 | $222 | $14 | $66 | $955 | $80 |
| 9-3 2.0T XWD 4-Dr Sedan | $228 | $400 | $222 | $14 | $66 | $955 | $80 |
| 9-3 Aero 4-Dr Sedan | $254 | $462 | $222 | $14 | $66 | $1,043 | $87 |
| 9-3 2.0T 2-Dr Convertible | $254 | $462 | $262 | $16 | $78 | $1,097 | $91 |
| 9-3 2.0T XWD Station Wagon | $254 | $462 | $222 | $14 | $66 | $1,043 | $87 |
| 9-3 Aero Station Wagon | $254 | $462 | $222 | $14 | $66 | $1,043 | $87 |
| 9-3 Aero XWD 4-Dr Sedan | $254 | $462 | $222 | $14 | $66 | $1,043 | $87 |
| 9-3 Aero 2-Dr Convertible | $280 | $522 | $262 | $16 | $78 | $1,183 | $99 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| 9-3 2.0T 4-Dr Sedan | $186 | $322 | $222 | $14 | $66 | $810 | $68 |
| 9-3 2.0T Station Wagon | $186 | $322 | $222 | $14 | $66 | $810 | $68 |
| 9-3 2.0T XWD 4-Dr Sedan | $186 | $322 | $222 | $14 | $66 | $810 | $68 |
| 9-3 Aero 4-Dr Sedan | $206 | $372 | $222 | $14 | $66 | $880 | $73 |
| 9-3 2.0T 2-Dr Convertible | $206 | $372 | $262 | $16 | $78 | $934 | $78 |
| 9-3 2.0T XWD Station Wagon | $206 | $372 | $222 | $14 | $66 | $880 | $73 |
| 9-3 Aero Station Wagon | $206 | $372 | $222 | $14 | $66 | $880 | $73 |
| 9-3 Aero XWD 4-Dr Sedan | $206 | $372 | $222 | $14 | $66 | $880 | $73 |
| 9-3 Aero 2-Dr Convertible | $228 | $420 | $262 | $16 | $78 | $1,004 | $84 |
| Get Your Own Custom Quote Go | |||||||
Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, and Illinois minimum liability limits. Discounts applied include claim-free, safe-driver, multi-vehicle, multi-policy, and homeowner. Estimates do not factor in specific location which can increase or decrease prices considerably.
Based on this data, we can arrive at the conclusion that using a $250 deductible costs an average of $13 more each month or $156 a year than selecting the higher $500 deductible. Since the policyholder would be required to pay $250 more out of your own pocket with a $500 deductible as compared to a $250 deductible, if you normally average at a minimum 19 months between claims, you would save more money if you choose a higher deductible.
How accidents and tickets impact rates
The example below illustrates how traffic citations and at-fault claims impact Saab 9-3 insurance premiums for each age group. The premiums are based on a married male driver, full physical damage coverage, $1,000 deductibles, and no discounts are taken into consideration.
Saab 9-3 insurance costs by gender and age
The diagram below visualizes the comparison of Saab 9-3 insurance prices for male and female drivers. The premium estimates are based on no accidents, no driving violations, comprehensive and collision coverage, $250 deductibles, drivers are single, and no policy discounts are applied.
Insurance agents can help
A small number of people would prefer to buy from a local agent and that is a smart decision Agents can help determine the best coverages and give you someone to call. One of the best bonuses of comparing rate quotes online is you may find lower rates and still buy from a local agent. Buying from and supporting neighborhood agents is important especially in Chicago.
For easy comparison, once you complete this quick form, your insurance data is immediately sent to local insurance agents in Chicago who will give you quotes for your coverage. There is no reason to contact an agency because quoted prices will be sent directly to you. If you wish to get a price quote from a specific insurance provider, don't hesitate to search and find their rate quote page to submit a rate quote request.
Different types of auto insurance agents in Chicago
When finding a reliable insurance agency, it's helpful to know the types of agencies and how they differ in how they quote coverages. Insurance agents in Chicago are categorized either independent agents or exclusive agents. Either one can write policy coverage, but we need to point out how they are different because it can influence the kind of agent you use.
Independent Insurance Agencies or Brokers
Independent insurance agents are appointed with more than one company so they have the ability to put coverage with any number of different companies and help determine which has the cheapest rates. If you want to switch companies, they simply switch companies in-house and you don't have to do anything.
When comparing insurance rates, you definitely need to get insurance quotes from at a minimum one independent agency in order to have the best price comparison. Most also have access to smaller companies which could offer lower prices.
Featured below are Chicago independent insurance agents who may be able to give you free insurance quotes.
- Active Insurance Agency - Auto Insurance
1034 N Ashland Ave - Chicago, IL 60622 - (773) 286-3473 - View Map - Public Insurance Agency
3656 N Cicero Ave - Chicago, IL 60641 - (773) 725-9333 - View Map - KSA Insurance Agency
7158 W Grand Ave - Chicago, IL 60707 - (773) 804-9000 - View Map
Exclusive Insurance Agencies
Exclusive agents can only provide pricing for a single company such as Allstate, State Farm and Farmers Insurance. These agents are not able to provide other company's prices so they have to upsell other benefits. Exclusive insurance agents are highly trained in insurance sales and that enables them to sell even at higher rates. Consumers sometimes choose to use an exclusive agent mainly due to the prominence of the brand and the convenience of having all coverages with one company.
Shown below are Chicago exclusive agents who can help you get price quote information.
- Kathleen McKenzie - State Farm Insurance Agent
725 W 31st St - Chicago, IL 60616 - (312) 791-1200 - View Map - Allstate Insurance: Maribel Marron
3060 W Armitage Ave - Chicago, IL 60647 - (773) 572-9495 - View Map - Angela Roudez - State Farm Insurance Agent
1505 S State St - Chicago, IL 60605 - (312) 663-1820 - View Map
Finding the right insurance agency needs to be determined by more than just a cheap price. These questions are important to ask:
- Is vehicle damage repaired with OEM or aftermarket parts?
- What insurance companies do they recommend if they are an independent agent?
- Do you need full coverage on every vehicle?
- Do they offer accident forgiveness?
- Is there any savings for paying the full premium?
- Do you qualify for any additional discounts?
- Does the company allow you to choose your own collision repair facility?
- Where are claims handled?
Specifics of your insurance policy
Having a good grasp of insurance can help you determine appropriate coverage and proper limits and deductibles. Policy terminology can be confusing and reading a policy is terribly boring.
Collision coverage protection
This will pay to fix damage to your 9-3 caused by collision with another vehicle or an object, but not an animal. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.
Collision coverage protects against things like hitting a mailbox, crashing into a ditch, backing into a parked car and scraping a guard rail. Collision coverage makes up a good portion of your premium, so consider removing coverage from lower value vehicles. You can also increase the deductible on your 9-3 to bring the cost down.
Protection from uninsured/underinsured drivers
Your UM/UIM coverage provides protection from other motorists when they are uninsured or don't have enough coverage. Covered claims include hospital bills for your injuries and also any damage incurred to your Saab 9-3.
Since a lot of drivers carry very low liability coverage limits (20/40/15), it doesn't take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage should not be overlooked. Most of the time your uninsured/underinsured motorist coverages are set the same as your liability limits.
Coverage for liability
Liability insurance provides protection from damage or injury you incur to a person or their property by causing an accident. It protects YOU from claims by other people, and doesn't cover damage to your own property or vehicle.
Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You might see liability limits of 20/40/15 that means you have $20,000 bodily injury coverage, a limit of $40,000 in injury protection per accident, and $15,000 of coverage for damaged property. Another option is one number which is a combined single limit that pays claims from the same limit and claims can be made without the split limit restrictions.
Liability insurance covers things such as court costs, attorney fees, repair bills for other people's vehicles and medical services. How much liability coverage do you need? That is a personal decision, but you should buy as large an amount as possible. Illinois requires drivers to carry at least 20/40/15 but drivers should carry better liability coverage.
Medical expense insurance
Coverage for medical payments and/or PIP kick in for bills like funeral costs, prosthetic devices and EMT expenses. They can be utilized in addition to your health insurance plan or if there is no health insurance coverage. It covers both the driver and occupants as well as if you are hit as a while walking down the street. Personal Injury Protection is not an option in every state but can be used in place of medical payments coverage
Comprehensive (Other than Collision)
Comprehensive insurance covers damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then your comprehensive coverage will pay.
Comprehensive can pay for things such as a broken windshield, vandalism and hitting a bird. The maximum payout your insurance company will pay is the actual cash value, so if the vehicle's value is low consider removing comprehensive coverage.
Be persistent and save
Drivers leave their current company for many reasons like high rates after DUI convictions, an unsatisfactory settlement offer, delays in responding to claim requests and even poor customer service. It doesn't matter what your reason, choosing a new company can be easy and end up saving you some money.
In this article, we presented a lot of ways to reduce Saab 9-3 insurance prices online in Chicago. The most important thing to understand is the more you quote Chicago car insurance, the more likely it is that you will get a better rate. You may even find the biggest savings come from the least-expected company.
Cheaper insurance in Chicago is possible from both online companies and with local Chicago insurance agents, so get free Chicago car insurance quotes from both of them to have the best rate selection. Some insurance companies may not have price quotes online and these small, regional companies work with independent agents.
For more information, feel free to browse these articles:
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- Vehicle Safety Ratings (iihs.org)
- What Does No-Fault Insurance Cover? (Allstate)