Auto Insurance Quotes for a Saab 9-3 in Honolulu

Discount Saab 9-3 insuranceIf saving money is your primary concern, then the best way to get low-cost auto insurance rates is to start doing an annual price comparison from insurers in Honolulu.

The key thing to know about shopping around is to make sure you enter the same liability limits and deductibles on each quote and and to analyze every insurance company. Doing this provides an apples-to-apples comparison and a complete selection of prices.

A study showed that the vast majority of drivers have bought insurance from the same company for at least four years, and practically 40% of insurance customers have never compared rate quotes at all. Honolulu consumers could cut their rates by roughly 40% a year, but they assume it’s a waste of time to compare rates online.

If you are already insured or need new coverage, you can follow these tips to lower your rates while maximizing coverage. This article’s intent is to instruct you on how to compare rates easily and how to save the most money. Drivers just have to know the quickest method to compare insurance rates online.

Cheap Saab insurance prices in Honolulu

The car insurance companies shown below can provide price comparisons in Hawaii. If multiple companies are listed, we recommend you click on several of them in order to get a fair rate comparison.

Auto insurance statistics and figures

The premium table displayed next showcases a range of prices for Saab 9-3 models. Having a good grasp of how insurance premiums are determined helps drivers make decisions on the best policy to buy.


Saab 9-3 Insurance Rates in Honolulu, HI
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
9-3 2.0T 4-Dr Sedan $136 $288 $292 $18 $88 $822 $69
9-3 2.0T Station Wagon $136 $288 $292 $18 $88 $822 $69
9-3 2.0T XWD 4-Dr Sedan $136 $288 $292 $18 $88 $822 $69
9-3 Aero 4-Dr Sedan $152 $332 $292 $18 $88 $882 $74
9-3 2.0T 2-Dr Convertible $152 $332 $344 $20 $104 $952 $79
9-3 2.0T XWD Station Wagon $152 $332 $292 $18 $88 $882 $74
9-3 Aero Station Wagon $152 $332 $292 $18 $88 $882 $74
9-3 Aero XWD 4-Dr Sedan $152 $332 $292 $18 $88 $882 $74
9-3 Aero 2-Dr Convertible $168 $376 $344 $20 $104 $1,012 $84
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Premium data assumes single female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Hawaii minimum liability limits. Discounts applied include multi-vehicle, multi-policy, homeowner, claim-free, and safe-driver. Price information does not factor in Honolulu location which can affect prices significantly.

Physical damage deductibles: Should you raise them?

The hardest decision when buying coverage is how high should the deductibles for physical damage be. The following tables can help illustrate the costs and benefits when you choose different coverage deductibles. The first set of rates uses a $250 physical damage deductible and the second pricing table uses a $500 deductible.


Saab 9-3 insurance prices with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
9-3 2.0T 4-Dr Sedan $230 $406 $226 $14 $68 $969 $81
9-3 2.0T Station Wagon $230 $406 $226 $14 $68 $969 $81
9-3 2.0T XWD 4-Dr Sedan $230 $406 $226 $14 $68 $969 $81
9-3 Aero 4-Dr Sedan $258 $468 $226 $14 $68 $1,059 $88
9-3 2.0T 2-Dr Convertible $258 $468 $264 $16 $80 $1,111 $93
9-3 2.0T XWD Station Wagon $258 $468 $226 $14 $68 $1,059 $88
9-3 Aero Station Wagon $258 $468 $226 $14 $68 $1,059 $88
9-3 Aero XWD 4-Dr Sedan $258 $468 $226 $14 $68 $1,059 $88
9-3 Aero 2-Dr Convertible $284 $528 $264 $16 $80 $1,197 $100
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Saab 9-3 insurance prices with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
9-3 2.0T 4-Dr Sedan $188 $328 $226 $14 $68 $824 $69
9-3 2.0T Station Wagon $188 $328 $226 $14 $68 $824 $69
9-3 2.0T XWD 4-Dr Sedan $188 $328 $226 $14 $68 $824 $69
9-3 Aero 4-Dr Sedan $210 $378 $226 $14 $68 $896 $75
9-3 2.0T 2-Dr Convertible $210 $378 $264 $16 $80 $948 $79
9-3 2.0T XWD Station Wagon $210 $378 $226 $14 $68 $896 $75
9-3 Aero Station Wagon $210 $378 $226 $14 $68 $896 $75
9-3 Aero XWD 4-Dr Sedan $210 $378 $226 $14 $68 $896 $75
9-3 Aero 2-Dr Convertible $230 $426 $264 $16 $80 $1,016 $85
Get Your Own Custom Quote Go

Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Hawaii minimum liability limits. Discounts applied include claim-free, multi-vehicle, safe-driver, multi-policy, and homeowner. Estimates do not factor in specific zip code location which can decrease or increase premiums substantially.

Using the data above, we can ascertain that using a $250 deductible will cost you about $13 more each month or $156 each year than requesting the higher $500 deductible. Because you would be required to pay $250 more to file a claim with a $500 deductible as compared to a $250 deductible, if you average more than 19 months between claims, you would probably be better off if you elect the higher deductible.

Calculate savings of higher deductibles

Average monthly premium for $250 deductibles: $88
Average monthly premium for $500 deductibles (subtract): – $75
Monthly savings from raising deductible: $13
Difference between deductibles ($500 – $250): $250
Divide difference by monthly savings: $250 / $13
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 19 months

The illustration below highlights how deductible choice and can change Saab 9-3 insurance costs for each different age category. The premiums are based on a single male driver, full physical damage coverage, and no other discounts are factored in.

Careless driving habits raise Honolulu auto insurance rates

The information below demonstrates how traffic citations and accidents can impact Saab 9-3 insurance rates for different age groups of insureds. The costs are based on a single female driver, full coverage, $100 deductibles, and no discounts are factored in.

Full coverage versus liability only rates

The chart below compares Saab 9-3 auto insurance rates with full physical damage coverage and with liability coverage only. The costs are based on no accidents, no driving violations, $250 deductibles, single status, and no discounts are taken into consideration.

When to buy liability coverage only

There isn’t a steadfast formula that works best for making the decision to drop physical damage insurance, but there is a general school of thought. If the yearly cost for physical damage coverage is more than 10% of the replacement cost minus the deductible, then you might want to think about dropping full coverage.

For example, let’s assume your Saab 9-3 replacement value is $8,000 and you have $1,000 policy deductibles. If your vehicle is severely damaged, you would only receive $7,000 after paying your deductible. If premiums are more than $700 annually to have full coverage, then you might want to think about dropping full coverage.

There are some circumstances where dropping physical damage coverage is not advised. If you have an outstanding loan on your vehicle, you have to carry full coverage as part of the loan conditions. Also, if you cannot afford to purchase a different vehicle in the even your car is totaled, you should not buy liability only.

Get cheaper Saab 9-3 insurance in Honolulu with discounts

Car insurance can be pricey, but you can get discounts that could drop your premiums quite a bit. Certain discounts will be triggered automatically at the time of quoting, but some must be requested specifically before they will apply.

Just know that most discounts do not apply to all coverage premiums. Most only cut the cost of specific coverages such as medical payments or collision. So when it seems like having all the discounts means you get insurance for free, companies wouldn’t make money that way.

The illustration below shows the comparison of Saab 9-3 insurance costs with and without discounts applied to the premium. The prices are based on a male driver, a clean driving record, no at-fault accidents, Hawaii state minimum liability limits, comp and collision included, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, marriage, safe-driver, multi-policy, homeowner, and claim-free discounts applied.

A list of car insurance companies and some of their more popular discounts are outlined below.

Before purchasing a policy, check with every insurance company to give you their best rates. Some of the discounts discussed earlier may not be available in Honolulu. To choose companies with discount rates in Hawaii, follow this link.

Local Honolulu insurance agencies

Many drivers just prefer to go talk to an agent and that can be a smart move Most agents can point out coverage gaps and give you someone to call. An additional benefit of comparing insurance prices online is that you can find lower car insurance rates and also buy local. And buying from neighborhood agents is important especially in Honolulu.

Insurance agency in HonoluluTo find an agent, once you fill out this short form, your information is sent to local insurance agents in Honolulu who can give free rate quotes and help you find cheaper coverage. There is no reason to search for an agent since rate quotes are delivered immediately to you. If you want to quote rates from a particular provider, feel free to navigate to their website and give them your coverage information.

Shown below is a short list of car insurance companies in Honolulu that are able to give price quote information for Saab 9-3 insurance in Honolulu.

More Honolulu agents

Finding a good company shouldn’t rely on just a cheap price quote. You should also get answers to these questions.

Upon receiving satisfactory answers to your questions as well as an affordable premium quote, it’s possible that you found an insurer that meets the criteria to properly insure your vehicles.

Compare car insurance rates regularly to save

Some companies do not offer internet price quotes and many times these smaller companies only sell through independent agencies. Cheaper Saab 9-3 insurance in Honolulu can be bought on the web as well as from independent agents in Honolulu, and you need to price shop both so you have a total pricing picture.

When getting Honolulu auto insurance quotes online, do not skimp on critical coverages to save a buck or two. There are too many instances where consumers will sacrifice liability limits or collision coverage and found out when filing a claim that saving that couple of dollars actually costed them tens of thousands. Your objective should be to buy a smart amount of coverage at an affordable rate, but do not skimp to save money.

Insureds leave their current company for a number of reasons such as delays in responding to claim requests, policy cancellation, not issuing a premium refund or unfair underwriting practices. It doesn’t matter what your reason, finding a new car insurance company is not as difficult as it may seem.

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