Cheaper 1998 Oldsmobile Bravada Car Insurance Cost

Searching for low-cost insurance for your Oldsmobile Bravada could be a lot of work, but you can follow these tips to save time. There is a right way and a wrong way to find auto insurance online so we’re going to tell you the quickest way to compare rates for a Oldsmobile and find the cheapest rates.

The method we recommend to get rate comparisons is to know most of the bigger providers provide online access to quote your coverage. To begin a comparison, all you need to do is give the companies some data including how much you drive, if you lease or own, if a SR-22 is needed, and driver details. The rating information is instantly sent to multiple top-rated companies and they return rate quotes quickly.

To get price quotes for your 1998 Oldsmobile Bravada, click here and enter your zip code.

Why your Oldsmobile Bravada insurance rates may be high

Smart consumers have a good feel for the different types of things that come into play when calculating your auto insurance rates. Having a good understanding of what influences your rates empowers consumers to make smart changes that could result in lower auto insurance prices.

  • Theft deterrents lower rates – Driving a car with a theft deterrent system can help bring down rates. Theft prevention features such as LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system all hinder car theft.
  • Don’t get talked into coverage you don’t need – There are a lot of additional coverages that can waste your money on your Bravada policy. Insurance for rental car reimbursement, accident forgiveness and motor club memberships may be wasting your money. They may seem like a good idea when you first buy your policy, but if you don’t need them eliminate the coverages to reduce your premium.
  • More claims means more premium – Car insurance companies generally give lower rates to insureds who are claim-free. If you frequently file small claims, you can expect either a policy non-renewal or much higher rates. Car insurance is designed for the bigger claims that can’t be paid out-of-pocket.
  • Lower rates come with age – Older drivers tend to be more responsible, tend to file fewer claims and tend to be better behind the wheel. Young drivers tend to be more careless behind the wheel therefore auto insurance rates are much higher.
  • Do men or women drive better? – The statistics show women are more cautious behind the wheel. However, this does not mean women are BETTER drivers than men. Both sexes are in accidents in similar numbers, but the males have costlier accidents. They also receive more costly citations such as DWI and reckless driving. Youthful male drivers tend to get in the most accidents and therefore are the most expensive to insure.
  • Liability coverage protects you – Your policy’s liability coverage provides coverage if ever a court rules you are at fault for damages caused by your negligence. Liability provides legal defense which can be incredibly expensive. This coverage is very inexpensive as compared to coverage for physical damage, so do not cut corners here.

Do you qualify for a discount?

Car insurance companies don’t always advertise all available discounts in a way that’s easy to find, so the following is a list of both well-publicized as well as the least known car insurance savings. If you aren’t receiving every discount available, you’re just leaving money on the table.

  • Theft Prevention System – Cars that have factory anti-theft systems prevent vehicle theft and earn discounts up to 10%.
  • Save over 55 – Older drivers may receive better car insurance rates on Bravada insurance.
  • Government Employees – Being employed by or retired from a federal job can earn a discount up to 10% on Bravada insurance with select insurance companies.
  • Use Seat Belts – Using a seat belt and requiring all passengers to use a seat belt could save 15% off your PIP or medical payments premium.
  • New Car Discount – Buying coverage on a new vehicle can save up to 30% because new vehicles have to meet stringent safety requirements.
  • Good Student Discount – Performing well in school can earn a discount of 20% or more. The discount lasts well after school through age 25.
  • Drive Safe and Save – Safe drivers can pay as much as 50% less on Bravada insurance than less cautious drivers.

As a disclaimer on discounts, most credits do not apply to the overall cost of the policy. Most only cut the price of certain insurance coverages like collision or personal injury protection. Even though it may seem like having all the discounts means you get insurance for free, car insurance companies aren’t that generous.

Insurance companies that may offer these discounts are:

Before buying, ask every prospective company which discounts you may be entitled to. Some discounts might not be offered in your state.

What coverages do I need?

When it comes to buying proper insurance coverage, there really is not a cookie cutter policy. Everyone’s needs are different.

For instance, these questions might point out if you might need professional guidance.

  • Can my teen drive my company car?
  • Who is covered by my policy?
  • How many claims can I have before being cancelled?
  • Can I make deliveries for my home business?
  • Should I bundle my homeowners policy with my auto?
  • Are there companies who specialize in insuring high-risk drivers?
  • Do I get a pro-rated refund if I cancel my policy early?
  • Should I drop comprehensive coverage on older vehicles?
  • Is rental equipment covered for theft or damage?

If you don’t know the answers to these questions but one or more may apply to you, you might consider talking to a licensed insurance agent. To find lower rates from a local agent, take a second and complete this form. It only takes a few minutes and you can get the answers you need.

Auto insurance coverages

Knowing the specifics of insurance can be of help when determining the best coverages at the best deductibles and correct limits. Insurance terms can be ambiguous and nobody wants to actually read their policy.

Liability – This protects you from injuries or damage you cause to other’s property or people that is your fault. It protects YOU from claims by other people, and doesn’t cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see liability limits of 25/50/25 that means you have $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.

Liability coverage protects against claims such as emergency aid, bail bonds, attorney fees, structural damage and repair bills for other people’s vehicles. How much liability coverage do you need? That is your choice, but buy as high a limit as you can afford.

Med pay and Personal Injury Protection (PIP) – Med pay and PIP coverage kick in for expenses for doctor visits, rehabilitation expenses, hospital visits and dental work. They can be used to fill the gap from your health insurance policy or if there is no health insurance coverage. Coverage applies to you and your occupants and also covers if you are hit as a while walking down the street. PIP coverage is not an option in every state and may carry a deductible

Collision – Collision coverage will pay to fix damage to your Bravada caused by collision with another vehicle or an object, but not an animal. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things like scraping a guard rail, hitting a mailbox and colliding with another moving vehicle. Collision is rather expensive coverage, so consider dropping it from vehicles that are 8 years or older. Drivers also have the option to choose a higher deductible to bring the cost down.

Comprehensive insurance – This will pay to fix damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things like hail damage, a broken windshield, fire damage and hitting a bird. The maximum amount you’ll receive from a claim is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Uninsured/Underinsured Motorist (UM/UIM) – Your UM/UIM coverage provides protection when the “other guys” either are underinsured or have no liability coverage at all. This coverage pays for hospital bills for your injuries as well as your vehicle’s damage.

Due to the fact that many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is a good idea.

Cheaper insurance is a realistic goal

Consumers change insurance companies for any number of reasons including unfair underwriting practices, high prices, extreme rates for teen drivers or even an unsatisfactory settlement offer. Whatever your reason, finding a new company is actually quite simple.

When trying to cut insurance costs, don’t be tempted to buy less coverage just to save a little money. In too many instances, consumers will sacrifice liability limits or collision coverage only to discover later that their decision to reduce coverage ended up costing them more. Your focus should be to purchase a proper amount of coverage for the lowest price while still protecting your assets.

Cost effective 1998 Oldsmobile Bravada insurance is definitely available both online and with local insurance agents, so you should compare both so you have a total pricing picture. A few companies do not offer online price quotes and usually these smaller companies provide coverage only through local independent agents.

Additional insurance coverage information is available on the following sites: