1993 Oldsmobile Achieva Car Insurance Rates – 5 Tips to Save

Shopping for the most affordable car insurance online can seem to be somewhat difficult for people who are new to buying insurance online. With so many insurers to choose from, how can consumers even start to compare every one to find the best pricing?

Consumers should take time to check car insurance prices before your policy renews since rates trend upward over time. If you had the best price on Achieva coverage a year ago you can probably find a better price now. Don’t believe everything you read about car insurance on the internet, so with this article, you’re going to get some good information on how to find cheap car insurance.

Finding affordable coverage is not rocket science. If you are paying for car insurance now, you will be able to cut costs considerably using these techniques. But drivers benefit from understanding the way insurance companies compete online and apply this information to your search.

The most recommended method to compare insurance rates in your area takes advantage of the fact most insurance companies have advanced systems to provide you with free rate quotes. To start a quote, the only thing you need to do is provide information including the ages of drivers, the make and model of your vehicles, if you have a valid license, and how much school you completed. Your insurance information is instantly provided to multiple companies and they provide comparison quotes with very little delay.

Auto insurance myths debunked

State Farm, Geico and Progressive regularly use ads on television and other media. All the companies have a common claim that you’ll save big if you move your coverage to them. How can each company make almost identical claims? This is how they do it.

All the different companies have a certain “appetite” for the right customer they prefer to insure. An example of a driver they prefer could be a mature driver, has no tickets, and drives less than 7,500 miles a year. A propective insured who meets those qualifications receives the best rates and most likely will cut their rates substantially.

Consumers who are not a match for the “perfect” profile will have to pay higher premiums which usually ends up with business not being written. The ads say “drivers who switch” not “people who quote” save money. That is how companies can truthfully advertise the savings. Because of the profiling, drivers should compare many company’s rates. Because you never know which company will provide you with the cheapest Oldsmobile Achieva insurance rates.

You probably qualify for some discounts

Car insurance companies don’t list every available discount in an easy-to-find place, so we researched both the well known and also the lesser-known savings tricks you should be using.

  • Accident Waiver – Certain companies will forgive one accident before raising your premiums so long as you haven’t had any claims prior to the accident.
  • Low Mileage Discounts – Low mileage vehicles can earn a substantially lower rate.
  • Multiple Cars – Insuring all your vehicles with the same company could earn a price break for each car.
  • Life Insurance – Select insurance companies reward you with lower rates if you buy a life insurance policy as well.
  • Passive Restraint Discount – Factory air bags or automatic seat belts can receive discounts of 20% or more.

Consumers should know that some of the credits will not apply the the whole policy. Some only reduce individual premiums such as liability and collision coverage. So even though they make it sound like you can get free auto insurance, you’re out of luck.

Companies that may have some of the above discounts may include but are not limited to:

Double check with each insurance company how you can save money. Some discounts may not be available in every state.

There’s no such thing as the perfect policy

When choosing the right insurance coverage, there really is not a perfect coverage plan. Coverage needs to be tailored to your specific needs.

Here are some questions about coverages that might help in determining if your situation might need professional guidance.

  • Does liability extend to a camper or trailer?
  • Will my rates increase for filing one claim?
  • Can I afford low physical damage deductibles?
  • Why am I required to buy high-risk coverage?
  • Is my Oldsmobile Achieva covered if I use it for business?
  • How do I insure my teen driver?
  • Why do I need rental car insurance?

If it’s difficult to answer those questions but you think they might apply to your situation then you might want to talk to an agent. To find an agent in your area, complete this form.

Auto insurance coverage information

Having a good grasp of your policy can help you determine the right coverages at the best deductibles and correct limits. Auto insurance terms can be confusing and coverage can change by endorsement.

Comprehensive coverages

Comprehensive insurance coverage pays for damage that is not covered by collision coverage. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things such as hitting a bird, hail damage, damage from getting keyed and vandalism. The most you’ll receive from a claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Coverage for collisions

Collision insurance will pay to fix damage to your Achieva from colliding with another vehicle or an object, but not an animal. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision can pay for claims such as colliding with a tree, scraping a guard rail, colliding with another moving vehicle and crashing into a ditch. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are 8 years or older. It’s also possible to increase the deductible to bring the cost down.

Coverage for medical payments

Personal Injury Protection (PIP) and medical payments coverage provide coverage for immediate expenses such as doctor visits, prosthetic devices, pain medications, X-ray expenses and dental work. They can be used to cover expenses not covered by your health insurance policy or if you do not have health coverage. It covers you and your occupants as well as being hit by a car walking across the street. PIP is not universally available and may carry a deductible

Liability coverage

This provides protection from damage that occurs to other people or property in an accident. This insurance protects YOU against other people’s claims. Liability doesn’t cover damage sustained by your vehicle in an accident.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see liability limits of 50/100/50 that translate to a limit of $50,000 per injured person, a limit of $100,000 in injury protection per accident, and a total limit of $50,000 for damage to vehicles and property.

Liability insurance covers things like pain and suffering, funeral expenses and attorney fees. How much coverage you buy is up to you, but buy as large an amount as possible.

Uninsured and underinsured coverage

This coverage gives you protection from other motorists when they do not carry enough liability coverage. This coverage pays for hospital bills for your injuries as well as damage to your Oldsmobile Achieva.

Since a lot of drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is a good idea.

Affordable insurance is out there

Consumers leave their current company for any number of reasons including questionable increases in premium, policy non-renewal, an unsatisfactory settlement offer or unfair underwriting practices. Whatever your reason, finding a great new company is actually quite simple.

We just presented a lot of ways to shop for 1993 Oldsmobile Achieva insurance online. The key concept to understand is the more providers you compare, the higher the chance of saving money. You may even find the biggest savings come from the least-expected company.

As you shop your coverage around, you should never skimp on critical coverages to save a buck or two. In many instances, someone dropped full coverage and learned later that it was a big mistake. Your aim should be to buy a smart amount of coverage at the best price while not skimping on critical coverages.

Additional insurance coverage information can be read on the following sites: