1996 Oldsmobile Achieva Car Insurance Quotes

Searching for the cheapest insurance rates for your Oldsmobile Achieva? Tired of being strong-armed each month for car insurance? You’re in the same situation as most other car owners.

Drivers have multiple insurers to purchase coverage from, and although it’s a good thing to have a selection, having more car insurance companies makes it harder to compare rates.

You need to compare rates quite often because insurance rates fluctuate regularly. Even if you got the lowest rates for Achieva coverage last year a different company probably has better rates today. There is a lot of bad information regarding insurance on the web, but with this article, you’re going to get some excellent ideas to find affordable insurance.

Buying affordable coverage is easy if you know what you’re doing. In a nutshell, every driver who buys car insurance will more than likely be able to reduce their rates. Although consumers need to have an understanding of how companies sell insurance online.

Don’t miss out on these money-saving discounts

Properly insuring your vehicles can get expensive, but there are discounts available that can drop the cost substantially. Larger premium reductions will be automatically applied when you complete an application, but some must be specially asked for in order for you to get them.

  • Seat Belts Save more than Lives – Buckling up and requiring all passengers to buckle their seat belts could cut 10% or more off your PIP or medical payments premium.
  • Discounts for Safe Drivers – Drivers who avoid accidents may receive a discount up to 45% less for Achieva coverage than drivers with accident claims.
  • 55 and Retired – If you’re over the age of 55, you can possibly qualify for a discount up to 10% for Achieva coverage.
  • Drivers Education – Cut your cost by having your teen driver successfully complete driver’s ed class if offered at their school.
  • Early Switch Discount – A few companies offer discounts for buying a policy prior to your current policy expiration. It’s a savings of about 10%.
  • Student in College – Kids in college living away from home attending college without a vehicle on campus may qualify for this discount.

As a disclaimer on discounts, some credits don’t apply the the whole policy. Some only reduce the price of certain insurance coverages like medical payments or collision. Even though it may seem like it’s possible to get free car insurance, you’re out of luck. But any discount will help reduce the cost of coverage.

Companies that may offer these benefits include:

Double check with all companies you are considering how you can save money. Savings might not be offered everywhere.

What determines your Oldsmobile Achieva insurance premium

Smart consumers have a good feel for some of the elements that play a part in calculating the price you pay for auto insurance. When you know what positively or negatively impacts premium levels enables informed choices that could result in much lower annual insurance costs.

  • Liability coverage is cheap – Liability insurance is the protection when you are found liable for causing damage or personal injury in an accident. Liability provides you with a defense in court up to the limits shown on your policy. Liability insurance is quite affordable compared to physical damage coverage, so buy as much as you can afford.
  • Tickets mean higher rates – Whether or not you get tickets has a big impact on rates. Only having one moving violation may increase your cost by twenty percent. Drivers with clean records get better rates than bad drivers. Drivers with serious tickets like hit and run, DWI or reckless driving convictions are required to file a SR-22 with their state DMV in order to continue driving.
  • Add-on coverages can add up – There are a ton of add-on coverages that you can get tricked into buying on your auto insurance policy. Coverages for personal injury protection, accidental death and term life insurance may be wasting your money. These may sound like a good investment at first, but if they’re wasting money eliminate them to save money.
  • Where you reside plays a part – Residing in a rural area has it’s advantages when insuring your vehicles. City drivers have to deal with congested traffic and longer commutes to work. Fewer people means fewer accidents and also fewer theft and vandalism claims.
  • Do you qualify for a multi-policy discount? – Some auto insurance companies will give a discount to customers who have multiple policies with them in the form of a multi-policy discount. Even with this discount, you may still want to compare rates to ensure the best deal.
  • An active claims history can cost you – Car insurance companies provide discounts to policyholders who do not file claims often. If you are a frequent claim filer, you can definitely plan on either higher rates or even cancellation. Car insurance is designed for the bigger claims that can’t be paid out-of-pocket.
  • Do you work long hours in a high stress job? – Occupations like doctors, business owners and financial analysts tend to have higher average rates attributed to job stress and long work days. Conversely, jobs such as scientists, engineers and the unemployed receive lower rates for Achieva coverage.
  • Safer cars cost less to insure – Cars with high safety ratings get lower rates. Safer cars reduce injuries and lower injury rates translates into fewer and smaller insurance claims passed on to you as lower rates. If your Oldsmobile Achieva earned at least four stars on Safercar.gov or an “acceptable” rating on iihs.org you are probably receiving a discount.

Do I need special coverages?

When buying the best auto insurance coverage for your vehicles, there really is no best way to insure your cars. Each situation is unique so this has to be addressed. These are some specific questions may help highlight if you would benefit from professional advice.

  • Am I covered if hit by an uninsured driver?
  • What is the ISO rating for a 1996 Oldsmobile Achieva?
  • Am I covered when driving someone else’s vehicle?
  • Is my Oldsmobile Achieva covered if I use it for business?
  • Am I covered when pulling a rental trailer?
  • Are rental cars covered under my policy?
  • Am I missing any policy discounts?
  • Should I bundle my homeowners policy with my auto?

If you don’t know the answers to these questions but one or more may apply to you then you might want to talk to a licensed agent. If you want to speak to an agent in your area, complete this form or you can also visit this page to select a carrier

Is there deception in advertising?

Geico, State Farm and Progressive constantly bombard you with ads on TV and radio. All the companies make the same claim of big savings if you switch your policy. But how can every company say the same thing? It’s all in the numbers.

All the different companies can use profiling for the type of customer that makes them money. A good example of a profitable customer might be between 25 and 40, insures multiple vehicles, and has excellent credit. A propective insured who matches those parameters is entitled to the best price and is almost guaranteed to save when they switch companies.

Potential customers who fall outside this ideal profile must pay higher prices which usually ends up with the driver buying from a lower-cost company. The ads state “customers who switch” but not “drivers who get quotes” save that much. This is how companies can truthfully advertise the way they do.

This illustrates why you should compare as many rates as you can. It’s impossible to know which insurance companies will have the lowest Oldsmobile Achieva insurance rates.

Specific coverage details

Understanding the coverages of your insurance policy can help you determine the right coverages and the correct deductibles and limits. The coverage terms in a policy can be impossible to understand and coverage can change by endorsement. Shown next are the normal coverages found on most insurance policies.

Uninsured Motorist or Underinsured Motorist insurance – This coverage gives you protection from other motorists when they either have no liability insurance or not enough. This coverage pays for injuries sustained by your vehicle’s occupants and also any damage incurred to your Oldsmobile Achieva.

Because many people only purchase the least amount of liability that is required, their limits can quickly be used up. For this reason, having high UM/UIM coverages is very important. Normally these coverages do not exceed the liability coverage limits.

Comprehensive coverage (or Other than Collision) – This coverage covers damage from a wide range of events other than collision. A deductible will apply then your comprehensive coverage will pay.

Comprehensive can pay for things like hitting a deer, damage from a tornado or hurricane and a broken windshield. The maximum payout your insurance company will pay is the market value of your vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Liability coverages – Liability coverage provides protection from damage or injury you incur to people or other property. It protects you from claims by other people, and doesn’t cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show policy limits of 100/300/100 which stand for $100,000 in coverage for each person’s injuries, a limit of $300,000 in injury protection per accident, and a limit of $100,000 paid for damaged property. Alternatively, you may have a combined single limit or CSL that pays claims from the same limit rather than limiting it on a per person basis.

Liability can pay for claims like medical expenses, repair bills for other people’s vehicles, emergency aid, loss of income and legal defense fees. The amount of liability coverage you purchase is a personal decision, but you should buy as high a limit as you can afford.

Insurance for medical payments – Coverage for medical payments and/or PIP pay for expenses such as chiropractic care, surgery and rehabilitation expenses. They are often used in conjunction with a health insurance program or if you do not have health coverage. It covers not only the driver but also the vehicle occupants as well as getting struck while a pedestrian. Personal Injury Protection is not an option in every state and gives slightly broader coverage than med pay

Collision – Collision insurance will pay to fix damage to your Achieva resulting from colliding with another vehicle or an object, but not an animal. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against things such as rolling your car, crashing into a ditch, driving through your garage door, backing into a parked car and damaging your car on a curb. This coverage can be expensive, so consider removing coverage from older vehicles. Drivers also have the option to raise the deductible to save money on collision insurance.

More quotes. Lower rates.

In this article, we presented many tips how you can shop for 1996 Oldsmobile Achieva insurance online. The most important thing to understand is the more you quote, the better your comparison will be. You may be surprised to find that the lowest priced auto insurance comes from some of the smallest insurance companies. These smaller insurers can often provide lower rates in certain areas than their larger competitors like Progressive and Geico.

Discount insurance is possible from both online companies as well as from independent agents, and you need to comparison shop both to have the best selection. A few companies don’t offer online quoting and these small, regional companies work with independent agents.

To learn more, take a look at the resources below: