How long has it been since you compared quotes for more affordable car insurance rates in Lincoln, NE? Lincoln consumers have many options when looking for low-cost Saab 9-5 insurance. You can either waste hours contacting agents to compare prices or utilize the internet to compare rates.
There is a better way to buy car insurance so you’re going to learn the quickest way to price shop coverage on a Saab and obtain the cheapest rates from Lincoln insurance agents and online providers.
It’s an obvious statement that auto insurance companies don’t want customers comparing rates. Drivers who do rate comparisons are very likely to buy a new policy because there is a great chance of finding discount prices. A recent survey discovered that drivers who regularly compared rates saved an average of $865 annually compared to drivers who never shopped around for cheaper prices.
If finding discount rates on car insurance is your ultimate goal, knowing how to get price quotes and compare coverages can help you succeed in finding affordable rates.
If you have coverage now or just want to save money, use these techniques to shop for the lowest rates and still get good coverage. Our goal in writing this article let you in on the best ways to compare prices and some money-saving tips. Consumers just have to understand the quickest method to compare insurance rates from multiple carriers.
How to compare Saab 9-5 insurance quotes in Lincoln
Finding cheaper Lincoln insurance rates is an easy way to save money. You just have to invest a little time comparing price quotes from online providers.
The companies in the list below are ready to provide comparison quotes in Nebraska. If your goal is to find the best cheap car insurance in Nebraska, we suggest you visit as many as you can to find the lowest auto insurance rates.
Car insurance statistics for a Saab 9-5
The rate information displayed below outlines different rate quotes for Saab 9-5 models. Learning as much as possible about how car insurance premiums are determined can be of help when making smart choices when buying a car insurance policy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| 9-5 Aero XWD 4-Dr Sedan | $344 | $808 | $390 | $24 | $116 | $1,682 | $140 |
| Get Your Own Custom Quote Go | |||||||
Price data assumes single female driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Nebraska minimum liability limits. Discounts applied include multi-vehicle, safe-driver, multi-policy, claim-free, and homeowner. Premium costs do not factor in Lincoln location which can alter insurance rates substantially.
How high should deductibles be?
One of the hardest decisions when shopping for car insurance is which comprehensive and collision deductibles to buy. The following tables show how much more you’ll pay when you select higher and lower insurance deductibles. The first rate quote example uses a $100 deductible for comp and collision and the second rate table uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| 9-5 Aero XWD 4-Dr Sedan | $358 | $716 | $300 | $18 | $90 | $1,507 | $126 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| 9-5 Aero XWD 4-Dr Sedan | $198 | $376 | $300 | $18 | $90 | $982 | $82 |
| Get Your Own Custom Quote Go | |||||||
Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Nebraska minimum liability limits. Discounts applied include multi-vehicle, safe-driver, homeowner, multi-policy, and claim-free. Premium amounts do not factor in vehicle location which can raise or lower price quotes greatly.
Based on these figures, using a $100 deductible could cost the average driver approximately $44 more each month or $528 each year than quoting the higher $1,000 deductible. Since you would have to pay $900 more out of your own pocket with a $1,000 deductible as compared to a $100 deductible, if you go at a minimum 20 months between claim filings, you would save money by selecting a higher deductible.
Safe drivers pay less for car insurance
The diagram below illustrates how speeding tickets and at-fault claims can increase Saab 9-5 annual premium costs for each age group. The premiums assume a single female driver, comp and collision included, $1,000 deductibles, and no policy discounts are applied.
You are unique and your auto insurance should be too
Always keep in mind that when comparing your policy for your vehicles, there really is no single plan that fits everyone. Coverage needs to be tailored to your specific needs and a cookie cutter policy won’t apply.
Here are some questions about coverages that can aid in determining whether you might need an agent’s assistance.
- How much underlying liability do I need for an umbrella policy?
- Am I covered when driving on a suspended license?
- Does medical payments coverage apply to all occupants?
- Am I covered if I break a side mirror?
- Does coverage extend to a rental car in a foreign country?
- Can I pay claims out-of-pocket if I buy high deductibles?
- Am I covered when driving someone else’s vehicle?
- Does my personal policy cover me when driving out-of-state?
- Does rental coverage apply when I am renting a car?
- Am I covered if I crash into my own garage door?
If you can’t answer these questions but a few of them apply, you might consider talking to a licensed insurance agent. If you want to speak to an agent in your area, fill out this quick form or you can go here for a list of companies in your area. It is quick, free and can help protect your family.
Exclusive or independent insurance agencies
Many people just want to sit down with an agent. Experienced insurance agents are trained risk managers and will help you if you have claims. An additional benefit of getting online price quotes is the fact that you can find the lowest rates and still buy from a local agent. And buying from neighborhood insurance agencies is especially important in Lincoln.
For easy comparison, once you complete this form (opens in new window), the coverage information is instantly submitted to local insurance agents in Lincoln who will give you quotes for your coverage. It simplifies rate comparisons since you won’t have to visit any agencies as quotes are delivered instantly to you. If for some reason you want to get a comparison quote from a specific insurance provider, you can always search and find their rate quote page and give them your coverage information.
Types of car insurance agents in Lincoln
When searching for a local insurance agency, it’s helpful to know the types of insurance agents that you can choose from. Insurance agents are considered either exclusive or independent (non-exclusive). Either one can provide insurance policies, but it’s important to know why they differ since it may influence which agent you choose.
Independent Agencies or Brokers
These agents can sell policies from many different companies and that allows them to write policies with a variety of different insurance companies enabling the ability to shop coverage around. If your premiums go up, they can switch companies in-house and you won’t have to switch agencies.
When comparing insurance rates, it’s recommended you include price quotes from multiple independent agents in order to have the best price comparison. Many can place coverage with smaller regional carriers that may provide cheaper insurance rates.
Listed below are Lincoln independent agencies that may be able to give rate quotes.
- Ogden Insurance Agency, Inc.
8531 Lexington Ave #102a – Lincoln, NE 68505 – (402) 466-5655 – View Map - Copple Insurance Agency, Inc.
1640 L St – Lincoln, NE 68508 – (402) 475-3213 – View Map - Jeff Munns Agency, Inc.
1617 Normandy Ct #102 – Lincoln, NE 68512 – (402) 436-2140 – View Map
Exclusive Insurance Agents
Exclusive agents work for only one company and examples are Farmers Insurance and State Farm. They generally cannot give you multiple price quotes so it’s a take it or leave it situation. Exclusive agencies receive a lot of sales training on their products and sales techniques and that enables them to sell even at higher rates. Consumers sometimes choose to use an exclusive agent primarily because of the prominent brand name rather than low price.
The following is a list of exclusive insurance agents in Lincoln who can help you get price quote information.
- John Eshleman – State Farm Insurance Agent
7501 O St #103 – Lincoln, NE 68510 – (402) 483-7578 – View Map - Allstate Insurance: Erik Brooks
1600 Normandy Ct #110 – Lincoln, NE 68512 – (402) 261-3959 – View Map - Allstate Insurance: Earnest and Associates, Inc
4221 O St – Lincoln, NE 68510 – (402) 488-0955 – View Map
Choosing a insurance agent should include more criteria than just the price. Get answers to these questions too.
- Do they have advanced training designations such as CPCU, AAI, AIC, or CIC?
- Do they offer rental car reimbursement?
- Can glass claims be handled at your home?
- Do the coverages you’re quoting properly cover your vehicle?
- Is the agency covered by Errors and Omissions coverage?
- If you are a high risk driver, do they have special markets for your coverage?