Trying to find lower auto insurance rates for your Oldsmobile Intrigue? Are you a victim of overpriced auto insurance? Believe me when I say you’re not the only one. Lots of car insurance companies contend for your business, and it can be difficult to compare rates and get the definite best price available.
Companies that sell car insurance don’t list every available discount in a way that’s easy to find, so we break down some of the best known and the more hidden insurance savings. If you aren’t receiving every discount available, you are throwing money away.
It’s important to note that most of the big mark downs will not be given to all coverage premiums. A few only apply to individual premiums such as physical damage coverage or medical payments. Even though it may seem like it’s possible to get free car insurance, insurance companies aren’t that generous.
Companies that may offer these money-saving discounts include:
Double check with every prospective company what discounts are available to you. Some discounts might not apply in every state.
Lowering your 1998 Oldsmobile Intrigue insurance rates is a fairly straight forward process. Drivers just need to spend a little time comparing rates provided by online insurance companies. This can be accomplished in just a few minutes using one of these methods.
To view a list of companies in your area, click here.
It’s up to you how you get prices quotes, just ensure you are comparing the exact same information for each comparison quote. If you compare different values for each quote you will not be able to truly determine the lowest rate.
Smart consumers have a good feel for the rating factors that help determine auto insurance rates. Understanding what controls the rates you pay empowers consumers to make smart changes that could result in big savings.
The following are a few of the “ingredients” used by your company to calculate premiums.
When it comes to buying coverage, there really is not a “best” method to buy coverage. Every insured’s situation is different so your insurance needs to address that. For instance, these questions can help discover if your situation might need an agent’s assistance.
If it’s difficult to answer those questions, you may need to chat with an insurance agent. To find lower rates from a local agent, complete this form or go to this page to view a list of companies. It only takes a few minutes and may give you better protection.
Knowing the specifics of your auto insurance policy can be of help when determining the best coverages at the best deductibles and correct limits. The coverage terms in a policy can be ambiguous and reading a policy is terribly boring. Listed below are typical coverages available from auto insurance companies.
Coverage for medical payments and/or PIP provide coverage for bills for things like EMT expenses, nursing services, ambulance fees and surgery. The coverages can be utilized in addition to your health insurance plan or if there is no health insurance coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants and also covers getting struck while a pedestrian. PIP is only offered in select states but can be used in place of medical payments coverage
This coverage pays for damage that is not covered by collision coverage. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive insurance covers things such as rock chips in glass, a broken windshield, damage from getting keyed and vandalism. The maximum payout your auto insurance company will pay is the actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.
Collision insurance pays for damage to your Intrigue resulting from colliding with another car or object. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.
Collision insurance covers claims such as scraping a guard rail, crashing into a ditch, sustaining damage from a pot hole, driving through your garage door and colliding with another moving vehicle. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are older. You can also bump up the deductible to save money on collision insurance.
Liability coverage can cover damage that occurs to people or other property that is your fault. This insurance protects YOU against other people’s claims. Liability 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. As an example, you may have policy limits of 50/100/50 which means a limit of $50,000 per injured person, a per accident bodily injury limit of $100,000, and a limit of $50,000 paid for damaged property.
Liability coverage pays for things like emergency aid, legal defense fees, pain and suffering, funeral expenses and medical services. How much coverage you buy is your choice, but it’s cheap coverage so purchase as large an amount as possible.
This protects you and your vehicle 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 Intrigue.
Due to the fact that many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is important protection for you and your family.
You just read a lot of techniques to lower your 1998 Oldsmobile Intrigue insurance rates. It’s most important to understand that the more price quotes you have, the higher your chance of finding lower rates. You may even find the lowest premiums are with a small mutual company. Smaller companies may often insure only within specific states and give getter rates than the large multi-state companies such as Progressive and GEICO.
As you shop your coverage around, never reduce coverage to reduce premium. Too many times, someone sacrificed full coverage only to find out that the savings was not a smart move. Your aim should be to buy the best coverage you can find for the lowest price, not the least amount of coverage.