View 1997 Oldsmobile LSS Car Insurance Quotes

Are you intimidated by the crazy number of car insurance options? You’re not the only one! You have so many options available that it can be more work than you anticipated to compare prices.

What determines your Oldsmobile LSS insurance premium

It’s important that you understand some of the elements that play a part in calculating the rates you pay for auto insurance. Having a good understanding of what determines base rates enables informed choices that can help you get big savings.

  • Consolidate policies to earn discounts – The majority of insurers provide better rates to people who carry more than one policy in the form of a multi-policy discount. Even though this discount sounds good, you may still want to compare other company rates to confirm you are receiving the best rates possible. Consumers may find better rates by buying insurance from more than one company.
  • How your age affects price – Youthful drivers are statistically proven to be careless and easily distracted when driving so auto insurance rates are higher. Adding a young driver to your auto insurance policy can really hurt. More mature drivers are more cautious drivers, tend to cause fewer accidents and receive fewer citations.
  • Traffic citations inflate rates – Your driving record has a huge affect on how much you pay. Drivers with clean records have lower premiums compared to drivers with tickets. Just one citation may increase your cost forty percent or more. Drivers who get flagrant violations like hit and run, DWI or reckless driving convictions may be required to submit a SR-22 or proof of financial responsibility with their state motor vehicle department in order to keep their license.
  • An active claims history can cost you – If you frequently file small claims, you can pretty much guarantee either higher rates or even cancellation. Companies generally give lower rates to drivers who do not file claims often. Car insurance is intended for the large, substantial claims.
  • Occupation reflects on rates – Did you know that where you work can have an impact on rates? Occupations such as doctors, architects and financial analysts tend to pay higher average rates in part from high stress levels and lots of time spent at work. Conversely, occupations such as pilots, engineers and homemakers have the lowest average rates for LSS insurance.

Discounts are basically free money

Insurance can be prohibitively expensive, but you may find discounts to help bring down the price. Some trigger automatically when you quote, but lesser-known reductions have to be asked for in order for you to get them.

  • More Vehicles More Savings – Insuring multiple cars or trucks on the same car insurance policy could earn a price break for each car.
  • Distant Student – Any of your kids living away from home attending college and do not have a car may be able to be covered for less.
  • No Charge for an Accident – A handful of insurance companies will forgive one accident without raising rates so long as you haven’t had any claims for a particular time prior to the accident.
  • Sign Early and Save – Select companies give a discount for signing up prior to your current policy expiring. It can save you around 10%.
  • Drivers Ed for Students – Require your teen driver to successfully complete driver’s ed class if it’s offered in school.
  • New Car Discount – Putting insurance coverage on a new car can be considerably cheaper since new cars are generally safer.
  • Safety Course Discount – Taking part in a course in driver safety could possibly earn you a 5% discount if your company offers it.

Consumers should know that most discount credits are not given to all coverage premiums. Most cut the cost of specific coverages such as collision or personal injury protection. So despite the fact that it appears all the discounts add up to a free policy, companies don’t profit that way. Any qualifying discounts will bring down the amount you have to pay.

Insurance companies that possibly offer these discounts are:

It’s a good idea to ask all companies you are considering which discounts they offer. Savings may not be available in every state.

Slick advertising tricks that work

Companies like Progressive, Allstate and GEICO consistently run ads in print and on television. All the ads make the same claim that you’ll save big if you change your policy. How do they all make the same claim?

Insurance companies have a certain “appetite” for the type of customer that makes them money. A good example of a profitable customer might be profiled as over the age of 40, has no prior claims, and has a short commute. A propective insured who fits that profile receives the best rates and most likely will save when they switch companies.

Consumers who don’t qualify for the requirements will be charged a higher premium which usually ends up with the customer not buying. The ads state “people who switch” not “everybody who quotes” save that much. That is how insurance companies can confidently state the savings.

That is why you need to get as many quotes as possible. You cannot predict which insurance companies will fit your personal profile best.

Which insurance is the “right” coverage?

When it comes to buying the right insurance coverage, there really is no best way to insure your cars. Coverage needs to be tailored to your specific needs.

For instance, these questions might point out if you would benefit from an agent’s advice.

  • Is my nanny covered when driving my vehicle?
  • Does my insurance cover my expensive audio equipment?
  • Should I buy more coverage than the required minimum liability coverage?
  • Why does it cost so much to insure a teen driver?
  • Am I covered if I drive in a foreign country?
  • Are rental cars covered under my policy?
  • Is there coverage for injuries to my pets?
  • When would I need additional glass coverage?
  • Do I have coverage if my license is suspended?
  • Does coverage extend to Mexico or Canada?

If you can’t answer these questions but a few of them apply, you might consider talking to a licensed agent. To find lower rates from a local agent, take a second and complete this form.

What insurance coverages do you need?

Having a good grasp of your insurance policy aids in choosing the right coverages and proper limits and deductibles. Insurance terms can be confusing and even agents have difficulty translating policy wording.

Auto collision coverage

This pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers things such as damaging your car on a curb, driving through your garage door and hitting a mailbox. This coverage can be expensive, so analyze the benefit of dropping coverage from older vehicles. You can also bump up the deductible in order to get cheaper collision rates.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other motorists when they either have no liability insurance or not enough. Covered losses include medical payments for you and your occupants and also any damage incurred to your Oldsmobile LSS.

Since a lot of drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. So UM/UIM coverage is important protection for you and your family. Usually your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Comprehensive auto coverage

Comprehensive insurance pays for damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims like fire damage, hail damage and damage from flooding. The maximum amount you’ll receive from a claim is the actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Medical payments and PIP coverage

Personal Injury Protection (PIP) and medical payments coverage pay for immediate expenses for dental work, pain medications and prosthetic devices. The coverages can be used to fill the gap from your health insurance policy or if you lack health insurance entirely. Coverage applies to you and your occupants in addition to being hit by a car walking across the street. Personal Injury Protection is not universally available but can be used in place of medical payments coverage

Liability

This protects you from damage that occurs to other people or property that is your fault. It protects you against other people’s claims, and doesn’t cover your own vehicle damage or injuries.

Coverage consists of three different 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 means $25,000 in coverage for each person’s injuries, $50,000 for the entire accident, and a total limit of $25,000 for damage to vehicles and property. Alternatively, you may have one limit called combined single limit (CSL) which provides one coverage limit and claims can be made without the split limit restrictions.

Liability coverage protects against things like funeral expenses, legal defense fees, repair costs for stationary objects and pain and suffering. The amount of liability coverage you purchase is a personal decision, but buy as high a limit as you can afford.

More quotes. Lower rates.

Cheaper 1997 Oldsmobile LSS insurance can be bought from both online companies and with local insurance agents, so you should compare both in order to have the best price selection to choose from. There are still a few companies who do not offer the ability to get a quote online and many times these regional insurance providers only sell through independent insurance agents.

As you go through the steps to switch your coverage, it’s not a good idea to skimp on coverage in order to save money. Too many times, an accident victim reduced full coverage and discovered at claim time that it was a big mistake. Your goal should be to buy the best coverage you can find at the best price, not the least amount of coverage.

We just covered some good ideas how you can compare insurance prices online. The most important thing to understand is the more rate comparisons you have, the better likelihood of reducing your rate. Consumers could even find that the best prices are with the smaller companies.

Additional insurance information can be read below: