Lower Your 1999 Oldsmobile Bravada Car Insurance Cost

I can’t think of anyone who likes paying for car insurance, in particular when the cost is too high.

Insurance companies such as State Farm, Allstate, Geico and Progressive promote their brand names with advertising and it is challenging if not impossible to separate fact from fiction and do the work needed to find the best deal.

It’s important to take a look at other company’s rates every six months since insurance rates change regularly. If you had the lowest rates on Bravada insurance a year ago there is a good chance you can find better rates now. There is too much inaccurate information about car insurance online but with this article, you’re going to get some proven techniques to buy car insurance cheaper.

If you are paying for car insurance now, you should be able to lower your premiums substantially using this strategy. Finding affordable coverage is not that difficult. Although car owners do need to understand how companies market on the web.

Discounts can save BIG

Car insurance companies don’t list every available discount very clearly, so we researched both well-publicized as well as the least known insurance savings.

  • Accident Forgiveness – Some insurance companies will allow you to have one accident before hitting you with a surcharge so long as you haven’t had any claims for a certain period of time.
  • Passive Restraint Discount – Factory air bags or motorized seat belts can receive discounts of up to 25% or more.
  • Senior Discount – Older drivers may receive a small decrease in premiums on Bravada insurance.
  • Use Seat Belts – Buckling up and requiring all passengers to buckle their seat belts could save 15% off your medical payments premium.
  • Payment Method – If paying your policy premium upfront instead of making monthly payments you may reduce your total bill.

Consumers should know that some credits don’t apply the the whole policy. Some only apply to the price of certain insurance coverages like collision or personal injury protection. So when the math indicates you could get a free insurance policy, insurance companies aren’t that generous.

Car insurance companies that possibly offer these money-saving discounts include:

It’s a good idea to ask every prospective company how you can save money. Discounts may not be available in your state.

Will just any policy work for me?

When buying the best auto insurance coverage, there really is not a perfect coverage plan. Every insured’s situation is different so this has to be addressed. For instance, these questions may help you determine if your insurance needs could use an agent’s help.

  • Do I need more liability coverage?
  • Does my car insurance cover rental cars?
  • Am I insured when driving a different vehicle?
  • How many claims can I have before being cancelled?
  • If my 1999 Oldsmobile Bravada is totaled, can I afford another vehicle?
  • What can I do if my company denied a claim?

If you’re not sure about those questions but you know they apply to you then you might want to talk to a licensed agent. If you don’t have a local agent, simply complete this short form or you can also visit this page to select a carrier

Car insurance 101

Having a good grasp of a auto insurance policy can be of help when determining which coverages you need and the correct deductibles and limits. The terms used in a policy can be difficult to understand and even agents have difficulty translating policy wording. Below you’ll find typical coverage types available from auto insurance companies.

Collision coverage – This pays for damage to your Bravada from colliding with another car or object. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage pays for claims such as crashing into a building, colliding with a tree and scraping a guard rail. Collision coverage makes up a good portion of your premium, so you might think about dropping it from lower value vehicles. Another option is to raise the deductible to get cheaper collision coverage.

Uninsured/Underinsured Motorist (UM/UIM) – Uninsured or Underinsured Motorist coverage provides protection when other motorists either have no liability insurance or not enough. Covered claims include injuries sustained by your vehicle’s occupants and also any damage incurred to your Oldsmobile Bravada.

Because many people carry very low liability coverage limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages should not be overlooked.

Med pay and Personal Injury Protection (PIP) – Coverage for medical payments and/or PIP kick in for short-term medical expenses like dental work, nursing services, ambulance fees and hospital visits. They are often used to cover expenses not covered by your health insurance plan or if you are not covered by health insurance. They cover you and your occupants and will also cover getting struck while a pedestrian. PIP coverage is not available in all states and gives slightly broader coverage than med pay

Liability – This coverage can cover injuries or damage you cause to a person or their property in an accident. This insurance protects YOU from claims by other people. It does not cover damage sustained by your vehicle in an accident.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have values of 25/50/25 which stand for $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and $25,000 of coverage for damaged propery.

Liability can pay for claims such as court costs, structural damage, attorney fees, funeral expenses and emergency aid. How much coverage you buy is up to you, but it’s cheap coverage so purchase as much as you can afford.

Comprehensive insurance – Comprehensive insurance coverage pays for damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for things like a tree branch falling on your vehicle, falling objects, hail damage, theft and vandalism. The maximum amount you’ll receive from a claim is the actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

In Summary

We just showed you a lot of techniques to lower your 1999 Oldsmobile Bravada insurance rates. The key thing to remember is the more quotes you get, the better your chances of lowering your rates. Consumers may even find the biggest savings come from some of the lesser-known companies. These companies can often provide lower rates in certain areas than the large multi-state companies such as State Farm and Allstate.

When trying to cut insurance costs, it’s not a good idea to reduce needed coverages to save money. There are many occasions where an insured cut collision coverage and found out when filing a claim that they should have had better coverage. Your aim should be to purchase a proper amount of coverage at an affordable rate, not the least amount of coverage.

Additional insurance information can be read on the following sites: