Looking for cheaper car insurance rates for your Oldsmobile Aurora? No one enjoys paying for car insurance, especially when their premiums are through the roof. Companies like Progressive, GEICO and Farmers Insurance all claim big savings, bombarding you with fancy advertisements and consumers find it hard to ignore the flying pigs and cute green geckos and find the best price available.
If you have a policy now or are just looking to switch companies, you can learn to reduce the price you pay and still get good coverage. Finding affordable coverage is easy if you know what you’re doing. Drivers only need to know the tricks to compare rates online.
Shopping for lower car insurance rates can be a daunting task if you aren’t aware of the fastest way to get free quotes. You could waste a few hours discussing policy coverages with agents in your area, or you could save time and use the web to get the quickest rates.
Most of the larger companies participate in an industry program that allows shoppers to send in one quote, and at least one company returns a rated price based on that information. This saves time by eliminating repetitive form submissions to every company.
To fill out one form to compare multiple rates now click to open in new window.
The single downside to using this type of form is you are unable to specify which carriers to get pricing from. If you prefer to choose from a list of companies for rate comparison, we have a page of companies who write car insurance in your area. Click here for list of insurance companies.
It’s up to you how you get prices quotes, just make absolute certain that you use apples-to-apples deductibles and coverage limits for each price quote. If the quotes have mixed coverages you can’t possibly make an equal comparison.
Companies that sell car insurance don’t always list every discount very clearly, so the following is a list of some of the best known as well as the least known ways to save on car insurance. If you’re not getting every credit you deserve, you’re paying more than you need to.
It’s important to note that most of the big mark downs will not be given to the entire policy premium. Some only reduce the cost of specific coverages such as comp or med pay. So when the math indicates you could get a free car insurance policy, car insurance companies aren’t that generous.
Companies that possibly offer these discounts include:
Check with each company which discounts you may be entitled to. Savings might not apply in every state.
When it comes to buying the right insurance coverage for your vehicles, there isn’t really a cookie cutter policy. Coverage needs to be tailored to your specific needs and a cookie cutter policy won’t apply. These are some specific questions may help you determine if your situation would benefit from an agent’s advice.
If you’re not sure about those questions but you think they might apply to your situation, then you may want to think about talking to an agent. If you don’t have a local agent, simply complete this short form or click here for a list of auto insurance companies in your area. It’s fast, free and may give you better protection.
Having a good grasp of insurance can be of help when determining which coverages you need at the best deductibles and correct limits. Policy terminology can be impossible to understand and reading a policy is terribly boring. These are typical coverage types found on most insurance policies.
Liability insurance provides protection from damage that occurs to a person or their property in an accident. It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see limits of 50/100/50 that translate to a $50,000 limit per person for injuries, a limit of $100,000 in injury protection per accident, and property damage coverage for $50,000.
Liability insurance covers things like structural damage, medical services, repair costs for stationary objects, emergency aid and medical expenses. How much coverage you buy is your choice, but consider buying higher limits if possible.
This protects you and your vehicle from other drivers when they either are underinsured or have no liability coverage at all. Covered claims include injuries to you and your family as well as your vehicle’s damage.
Because many people have only the minimum liability required by law, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.
Medical payments and Personal Injury Protection insurance kick in for expenses such as prosthetic devices, pain medications, X-ray expenses, surgery and nursing services. They are often used to fill the gap from your health insurance policy or if there is no health insurance coverage. It covers all vehicle occupants as well as any family member struck as a pedestrian. PIP coverage is not an option in every state and gives slightly broader coverage than med pay
Collision coverage covers damage to your Aurora from colliding with an object or car. You have to pay a deductible and the rest of the damage will be paid by collision coverage.
Collision coverage pays for claims like colliding with another moving vehicle, colliding with a tree and rolling your car. Paying for collision coverage can be pricey, so consider dropping it from lower value vehicles. Another option is to raise the deductible to bring the cost down.
This pays for damage that is not covered by collision coverage. You first have to pay a deductible then your comprehensive coverage will pay.
Comprehensive coverage pays for things such as theft, a tree branch falling on your vehicle, damage from flooding and hitting a bird. The most you can receive from a comprehensive claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.
While you’re price shopping online, make sure you don’t reduce coverage to reduce premium. In many cases, drivers have reduced uninsured motorist or liability limits only to discover later that the small savings ended up costing them much more. The proper strategy is to get the best coverage possible at the best price.
We just presented quite a bit of information on how to save on 1999 Oldsmobile Aurora insurance. The key concept to understand is the more price quotes you have, the better your chances of lowering your rates. Drivers may discover the lowest priced auto insurance comes from a lesser-known regional company. These smaller insurers may cover specific market segments cheaper than their larger competitors like Progressive and GEICO.
Much more information about auto insurance can be read at the links below