Lower Your 1997 Oldsmobile Aurora Insurance Quotes

Looking for the cheapest insurance rates for your Oldsmobile Aurora? Finding the cheapest insurance for an Oldsmobile Aurora can be an all-consuming task, but you can learn our insurance buying tips and make it easy.

There are more efficient ways to find insurance online and we’ll show you the best way to price shop coverage for your Oldsmobile and get the best price possible from both online companies and local agents.

It is always a good idea to take a look at other company’s rates before your policy renews because insurance rates tend to go up over time. Even if you got the best deal for Aurora insurance six months ago you can probably find a lower rate today. Forget all the misinformation about insurance because we’re going to demonstrate the tricks you need to know to eliminate unnecessary coverages and save money.

Compare the Market for Insurance

Finding lower insurance rates doesn’t have to be difficult. Just take a few minutes comparing price quotes from different insurance companies. This can be done in a couple of different ways.

  • Probably the best way to get quotes for comparison is to use a rate comparison form click here to open form in new window. This easy form eliminates the need for boring form submissions for every insurance company. In just a few minutes this one form compares rates from insurance companies with the best prices. This is perfect if you don’t have a lot of time.
  • A more time consuming way to get comparison quotes is to manually visit the website of each company to complete a price quote. For sake of this example, let’s assume you want comparison quotes from Progressive, State Farm and Liberty Mutual. To get rate quotes you would need to spend time on each company’s site to input your insurance information, and that’s why the first method is more popular. To view a list of companies in your area, click here.

Which method you use is up to you, but double check that you are using exactly the same coverage limits for every quote you compare. If you enter different values for each quote it will be impossible to determine the best price for your Oldsmobile Aurora.

When should I talk to an agent?

When it comes to buying the best insurance coverage for your personal vehicles, there isn’t really a perfect coverage plan. Everyone’s situation is a little different.

For example, these questions could help you determine whether or not you could use an agent’s help.

  • At what point should I drop full coverage?
  • Do all my vehicles need collision coverage?
  • Why is insurance for a teen driver so high?
  • Does my medical payments coverage pay my health insurance deductible?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • Can I afford to pay high deductible claims out of pocket?
  • Is a new car covered when I drive it off the dealer lot?
  • When would I need rental car insurance?
  • Are rock chip repairs covered?
  • Where can I find DUI or SR-22 insurance?

If you’re not sure about those questions but a few of them apply, you might consider talking to a licensed agent. If you want to speak to an agent in your area, take a second and complete this form. It’s fast, doesn’t cost anything and you can get the answers you need.

What car insurance coverages do you need?

Learning about specific coverages of your policy can help you determine the best coverages at the best deductibles and correct limits. Car insurance terms can be difficult to understand and even agents have difficulty translating policy wording.

Collision coverage

Collision coverage pays for damage to your Aurora from colliding with another car or object. You first must pay a deductible then your collision coverage will kick in.

Collision insurance covers things like rolling your car, sustaining damage from a pot hole and damaging your car on a curb. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are older. You can also choose a higher deductible in order to get cheaper collision rates.

Coverage for uninsured or underinsured drivers

Your UM/UIM coverage gives you protection from other drivers when they do not carry enough liability coverage. This coverage pays for medical payments for you and your occupants as well as damage to your Oldsmobile Aurora.

Since many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. So UM/UIM coverage is very important. Most of the time these coverages are set the same as your liablity limits.

Comprehensive car insurance

This coverage pays for damage that is not covered by collision coverage. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive insurance covers claims such as hail damage, damage from getting keyed, damage from a tornado or hurricane, falling objects and hitting a deer. The maximum amount you can receive from a comprehensive claim is the actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Liability auto insurance

This protects you from damage that occurs to other people or property in an accident. It protects YOU against other people’s claims. It does not cover your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see liability limits of 25/50/25 which stand for $25,000 bodily injury coverage, $50,000 for the entire accident, and a total limit of $25,000 for damage to vehicles and property. Some companies may use one limit called combined single limit (CSL) which provides one coverage limit and claims can be made without the split limit restrictions.

Liability coverage pays for things like court costs, bail bonds, medical expenses and medical services. How much liability coverage do you need? That is a personal decision, but buy as much as you can afford.

Coverage for medical expenses

Coverage for medical payments and/or PIP kick in for expenses for things like prosthetic devices, ambulance fees, EMT expenses, doctor visits and nursing services. They can be utilized in addition to your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover you and your occupants and will also cover getting struck while a pedestrian. PIP coverage is not an option in every state and may carry a deductible