Car owners not familiar with comparing auto insurance prices on the internet are likely to discover purchasing inexpensive Saab 9-3 insurance in Newark can be quite challenging.
It’s an obvious statement that car insurance companies don’t want policyholders to compare prices from other companies. People who shop around for the cheapest rate are highly likely to switch companies because there is a good probability of finding a cheaper policy. A recent survey discovered that people who shopped around annually saved on average $72 a month compared to those who never shopped around for cheaper prices.
If finding the best price on insurance in Newark is the reason you’re here, learning how to get free comparison quotes and analyze auto insurance can make shopping around easier.
It’s a great practice to compare prices periodically because rates fluctuate regularly. If you had the best deal on Saab 9-3 insurance in Newark a few years ago you can probably find a lower rate today. Ignore everything you know about auto insurance because I’m going to teach you the proper way to reduce your cost while increasing coverage.
If you have insurance now, you should be able to get lower rates using the concepts covered in this article. Finding quotes for cheaper insurance in Newark is not that difficult. But New Jersey car owners can benefit from knowing how companies sell insurance online.
The are a couple different ways to get quotes from lots of New Jersey insurance companies. By far the easiest way to find the lowest Saab 9-3 rates is to use the internet to compare rates. It’s important to know that getting more free quotes will enable you to find lower pricing.
The following companies offer free rate quotes in Newark, NJ. In order to find cheap car insurance in Newark, it’s highly recommended you visit as many as you can to get a more complete price comparison.
Here’s why insurance is not optional
Despite the high cost, paying for insurance may not be optional for several reasons.
- The majority of states have minimum mandated liability insurance limits which means the state requires specific limits of liability in order to drive the car. In New Jersey these limits are 15/30/5 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.
- If your Saab has a loan, almost all lenders will make it a condition of the loan that you have insurance to guarantee payment of the loan. If you default on your policy, the lender will be forced to insure your Saab at a much higher premium rate and require you to reimburse them a much higher amount than you were paying before.
- Insurance safeguards your car and your assets. Insurance will also pay for most medical and hospital costs incurred in an accident. One of the most valuable coverages, liability insurance, will also pay for a defense attorney if you cause an accident and are sued. If damage is caused by hail or an accident, collision and comprehensive (also known as other-than-collision) coverage will pay to repair the damage.
The benefits of carrying enough insurance definitely exceed the price paid, particularly when you have a large claim. But the average driver in New Jersey is wasting up to $865 each year so compare quotes from several companies at every renewal to help ensure money is not being wasted.
Rate information and statistics
The coverage table shown below highlights different insurance costs for Saab 9-3 models. Learning how insurance quotes are formulated can be of help when 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 | $322 | $612 | $384 | $22 | $114 | $1,454 | $121 |
| 9-3 2.0T Station Wagon | $322 | $612 | $384 | $22 | $114 | $1,454 | $121 |
| 9-3 2.0T XWD 4-Dr Sedan | $322 | $612 | $384 | $22 | $114 | $1,454 | $121 |
| 9-3 Aero 4-Dr Sedan | $360 | $704 | $384 | $22 | $114 | $1,584 | $132 |
| 9-3 2.0T 2-Dr Convertible | $360 | $704 | $452 | $26 | $136 | $1,678 | $140 |
| 9-3 2.0T XWD Station Wagon | $360 | $704 | $384 | $22 | $114 | $1,584 | $132 |
| 9-3 Aero Station Wagon | $360 | $704 | $384 | $22 | $114 | $1,584 | $132 |
| 9-3 Aero XWD 4-Dr Sedan | $360 | $704 | $384 | $22 | $114 | $1,584 | $132 |
| 9-3 Aero 2-Dr Convertible | $396 | $798 | $452 | $26 | $136 | $1,808 | $151 |
| Get Your Own Custom Quote Go | |||||||
Data assumes married female driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and New Jersey minimum liability limits. Discounts applied include multi-policy, homeowner, multi-vehicle, safe-driver, and claim-free. Premium amounts do not factor in vehicle location which can impact auto insurance rates significantly.
Choosing deductibles
One of the more difficult decisions when buying insurance is what deductibles to buy. The data tables below approximate the differences in premium rates when you choose different physical damage coverage deductibles. The first set of rates uses a $250 deductible for comp and collision and the second price grid uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| 9-3 2.0T 4-Dr Sedan | $420 | $738 | $408 | $24 | $122 | $1,737 | $145 |
| 9-3 2.0T Station Wagon | $420 | $738 | $408 | $24 | $122 | $1,737 | $145 |
| 9-3 2.0T XWD 4-Dr Sedan | $420 | $738 | $408 | $24 | $122 | $1,737 | $145 |
| 9-3 Aero 4-Dr Sedan | $466 | $848 | $408 | $24 | $122 | $1,893 | $158 |
| 9-3 2.0T 2-Dr Convertible | $466 | $848 | $480 | $28 | $144 | $1,991 | $166 |
| 9-3 2.0T XWD Station Wagon | $466 | $848 | $408 | $24 | $122 | $1,893 | $158 |
| 9-3 Aero Station Wagon | $466 | $848 | $408 | $24 | $122 | $1,893 | $158 |
| 9-3 Aero XWD 4-Dr Sedan | $466 | $848 | $408 | $24 | $122 | $1,893 | $158 |
| 9-3 Aero 2-Dr Convertible | $514 | $960 | $480 | $28 | $144 | $2,151 | $179 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| 9-3 2.0T 4-Dr Sedan | $340 | $594 | $408 | $24 | $122 | $1,488 | $124 |
| 9-3 2.0T Station Wagon | $340 | $594 | $408 | $24 | $122 | $1,488 | $124 |
| 9-3 2.0T XWD 4-Dr Sedan | $340 | $594 | $408 | $24 | $122 | $1,488 | $124 |
| 9-3 Aero 4-Dr Sedan | $380 | $684 | $408 | $24 | $122 | $1,618 | $135 |
| 9-3 2.0T 2-Dr Convertible | $380 | $684 | $480 | $28 | $144 | $1,716 | $143 |
| 9-3 2.0T XWD Station Wagon | $380 | $684 | $408 | $24 | $122 | $1,618 | $135 |
| 9-3 Aero Station Wagon | $380 | $684 | $408 | $24 | $122 | $1,618 | $135 |
| 9-3 Aero XWD 4-Dr Sedan | $380 | $684 | $408 | $24 | $122 | $1,618 | $135 |
| 9-3 Aero 2-Dr Convertible | $418 | $774 | $480 | $28 | $144 | $1,844 | $154 |
| Get Your Own Custom Quote Go | |||||||
Table data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and New Jersey minimum liability limits. Discounts applied include claim-free, multi-policy, homeowner, multi-vehicle, and safe-driver. Rate information does not factor in specific garaging location which can lower or raise coverage rates substantially.
Based on these figures, using a $250 deductible would cost the average driver about $23 more each month or $276 every year than requesting the higher $500 deductible. Since the policyholder would be required to pay $250 more to settle a claim with a $500 deductible as compared to a $250 deductible, if you tend to go at a minimum 11 months between claim filings, you would probably save some money by going with a higher deductible.
Violations and accidents raise rates
The example below highlights how traffic violations and fender-benders can raise Saab 9-3 annual premium costs for different age groups. The data assumes a single female driver, full physical damage coverage, $1,000 deductibles, and no policy discounts are applied.
Rate comparison of males versus females in Newark
The example below shows the comparison of Saab 9-3 car insurance rates for male and female drivers. The premiums assume no tickets, no at-fault accidents, full physical damage coverage, $100 deductibles, single status, and no other discounts are factored in.
Cheaper Saab 9-3 insurance quotes in Newark
The cost of insuring your cars can be expensive, but you may find discounts that may help make it more affordable. Many of these discounts will be applied automatically when you quote, but a few must be requested specifically prior to receiving the credit.
- Seat Belts Save – Drivers who always wear seat belts and also require passengers to wear their seat belts can save a little off PIP or medical payments premium.
- Early Payment Discounts – If you pay your bill all at once rather than paying in monthly installments you can actually save on your bill.
- Savings for New Vehicles – Buying car insurance coverage on a new vehicle is cheaper since new vehicles are generally safer.
- Sign Online – Some of the larger companies will discount your bill up to fifty bucks for signing up digitally online.
- Drive Less and Save – Low mileage vehicles could be rewarded with slightly better car insurance rates than normal.
- Discount for Good Grades – Maintaining excellent grades can be rewarded with saving of up to 25%. Most companies allow this discount up to age 25.
- Professional Organizations – Having an affiliation with specific professional or occupational memberships or organizations is a good way to get lower rates on your policy.
- Multiple Policy Discount – If you have multiple policies with the same company you could earn a discount of approximately 10% to 15%.
- Distant Student – College-age children who are enrolled in higher education away from home and won’t have access to an insured vehicle may qualify for this discount.
- Senior Citizens – Drivers that qualify as senior citizens may be able to get reduced rates.
It’s important to note that most credits do not apply to your bottom line cost. A few only apply to the cost of specific coverages such as collision or personal injury protection. Just because it seems like you could get a free car insurance policy, you’re out of luck. Any qualifying discounts will reduce your policy premium.
The information below illustrates the difference between Saab 9-3 insurance costs with and without discounts applied. The data is based on a male driver, no claims or driving violations, New Jersey state minimum liability limits, full physical damage coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, safe-driver, marriage, multi-policy, multi-car, and homeowner discounts applied.
If you would like to choose from a list of car insurance companies that provide some of the discounts listed above in New Jersey, click this link.
Compare prices but buy from a local Newark insurance agency
A small number of people still like to get advice from a local agent and that is a smart decision One of the great benefits of price shopping on the web is the fact that drivers can get lower premium rates and also buy local.
By using this form (opens in new window), the quote information is transmitted to insurance agents in Newark that give free quotes for your insurance coverage. It simplifies rate comparisons since you won’t have to find an agent on your own since price quotes are sent immediately to your email address. You’ll get the best rates without requiring a lot of work. If you have a need to get a price quote from a specific insurance company, feel free to jump over to their website and give them your coverage information.
Picking a provider needs to be determined by more than just a cheap price quote. Some important questions to ask are:
- Does their agency support local causes in Newark?
- Is the agency covered by Errors and Omissions coverage?
- Do you have coverage for a rental car if your vehicle is in the repair shop?
- How often do they review policy coverages?
- Are aftermarket or OEM parts used to repair vehicles?
- Where are claims handled?
Two types of auto insurance agents
If you’re trying to find a local Newark insurance agency, you must know there are a couple types of insurance agents and how they function. Agents in Newark can either be independent (non-exclusive) or exclusive.
Exclusive Insurance Agents
Exclusive agencies are contracted to one company like Farmers Insurance, State Farm, Allstate, and AAA. Exclusive agents are unable to compare other company’s rates so if the price isn’t competitive there isn’t much they can do. These agents receive extensive training on what they offer which helps offset the inability to provide other markets. Consumers sometimes purchase coverage from exclusives mostly because of the prominence of the brand and the convenience of having all coverages with one company.
Shown below is a list of exclusive insurance agencies in Newark who may provide you with comparison quotes.
- Farmers Insurance: Anthony Pugliese
217 Chestnut St – Newark, NJ 07105 – (973) 536-2060 – View Map - State Farm: Greg Daniels
681 1/2 Mt Prospect Ave – Newark, NJ 07104 – (973) 484-5772 – View Map - Allstate Insurance: Celia Caro
66 Wilson Ave – Newark, NJ 07105 – (973) 690-6400 – View Map
Independent Insurance Agents
Independent agents do not write with just one company so they can quote policies with an assortment of companies and potentially find a lower price. If they quote lower rates, your agent can switch companies without you having to go to a different agency.
When comparing insurance prices, you need to get several quotes from a couple of independent agencies to get the most accurate price comparison. Many independent agencies also insure through small regional insurance companies that many times have cheaper rates.
Below is a short list of independent agencies in Newark that can give you rate quotes.
- Acosta Agency
568 Broadway # B – Newark, NJ 07104 – (973) 482-5898 – View Map - Newark Cheaper Auto Insurance
11 Mulberry St – Newark, NJ 07102 – (206) 337-9544 – View Map - Astor C Wilson Insurance Agency
88 Pacific St – Newark, NJ 07105 – (973) 491-0002 – View Map
Best auto insurance in Newark
Buying coverage from a high-quality insurance company can be rather challenging considering how many choices drivers have in Newark. The ranking data in the next section may help you select which coverage providers you want to consider shopping your coverage with.
Top 10 Newark Car Insurance Companies Ranked by Value
- The Hartford
- Mercury Insurance
- Farmers Insurance
- Safeco Insurance
- AAA Insurance
- 21st Century
- Travelers
- State Farm
- Progressive
- American Family
Top 10 Newark Car Insurance Companies Ranked by Claims Service
- Progressive
- USAA
- Liberty Mutual
- GEICO
- State Farm
- Nationwide
- Allstate
- 21st Century
- The Hartford
- Farmers Insurance
Cheaper coverage is out there
Budget-conscious Saab 9-3 insurance can be purchased both online as well as from insurance agents, and you should compare price quotes from both to have the best selection. Some car insurance companies don’t offer the ability to get quotes online and many times these regional insurance providers sell through independent agents.
You just learned a lot of ways to save on Saab 9-3 insurance in Newark. The key concept to understand is the more rate quotes you have, the better chance you’ll have of finding low cost Newark auto insurance quotes. Consumers may even find the best price on car insurance is with a smaller regional carrier.
As you quote Newark auto insurance, don’t be tempted to skimp on coverage in order to save money. There have been many cases where drivers have reduced collision coverage only to regret that the savings was not a smart move. Your objective should be to buy enough coverage at the lowest possible cost and still be able to protect your assets.
How to find lower priced Saab 9-3 insurance in Newark
It takes a little time, but the best way to get budget Saab 9-3 insurance is to compare prices once a year from insurance carriers who can sell car insurance in Newark.
- Step 1: Try to understand coverages and the measures you can take to prevent rate increases. Many rating criteria that increase rates like tickets, at-fault accidents, and bad credit can be eliminated by making minor changes in your lifestyle.
- Step 2: Obtain price quotes from direct carriers, independent agents, and exclusive agents. Exclusive and direct companies can give quotes from one company like GEICO or State Farm, while agents who are independent can provide prices from multiple insurance companies.
- Step 3: Compare the quotes to the price on your current policy to determine if switching companies saves money. If you find a lower rate and make a switch, make sure the effective date of the new policy is the same as the expiration date of the old one.
- Step 4: Tell your current agent or company of your intention to cancel your current auto insurance policy. Submit a signed application and payment to your new insurance company. Be sure to put the certificate verifying coverage with the vehicle registration.
A good piece of advice is that you use similar coverage information on each quote and and to get rates from as many companies as feasibly possible. Doing this helps ensure an accurate price comparison and many rates to choose from.
Additional detailed information is available by following these links:
- Get the Right Protection (InsureUonline.org)
- What Auto Insurance is Cheapest for Drivers Over Age 60 in Newark? (FAQ)
- Who Has Cheap Newark Auto Insurance Quotes for Uber Drivers? (FAQ)
- What Car Insurance is Cheapest for Safe Drivers in Newark? (FAQ)
- Who Has the Cheapest Newark Car Insurance Rates for Drivers with Good Credit? (FAQ)
- Rental Reimbursement Coverage (Allstate)
- Warning systems don’t curb driver distraction (Insurance Institute for Highway Safety)
- Young Drivers: The High Risk Years Video (iihs.org)