Save on 1999 Oldsmobile Intrigue Car Insurance Rates

No one in their right mind likes having to buy insurance coverage, particularly when their premiums are through the roof. Drivers have so many insurance companies to insure vehicles with, and although it’s a good thing to have a choice, it can be more challenging to find the lowest cost provider.

Shopping for affordable protection is not that difficult. If you have insurance now or are looking for a new policy, you can learn to reduce the price you pay while maximizing coverage. Drivers only need an understanding of the proper methods to compare rates over the internet.

Why your Oldsmobile Intrigue might be costing you more

An important part of buying insurance is that you know the different types of things that come into play when calculating insurance coverage rates. Knowing what impacts premium levels enables informed choices that could result in big savings.

  • Don’t cancel a policy without a new one in place – Driving your car without having proper coverage is a misdemeanor and your next policy will cost more because you let your coverage have a gap. Not only will you pay more, but not being able to provide proof of insurance can result in a license revocation or jail time.
  • Liability insurance protects assets – The liability section of your policy is the coverage that protects you if you are found liable for damages caused by your negligence. It provides you with a defense in court up to the limits shown on your policy. Carrying liability coverage is mandatory and cheap compared to insuring for physical damage coverage, so buy as much as you can afford.
  • Men are more aggressive – Statistics have proven that men are more aggressive behind the wheel. However, don’t assume that men are worse drivers. They both have accidents in similar percentages, but the men cause more damage and cost insurance companies more money. Men also statistically have more aggressive citations such as DWI and reckless driving.
  • Do you need those extra coverages? – There are a lot of extra coverages that can waste your money on your insurance coverage policy. Things like rental car reimbursement, accident forgiveness and motor club memberships may be wasting your money. These coverages may sound good when talking to your agent, but if you don’t need them remove them from your policy.
  • Car features impact rates – Driving a car with anti-theft technology or alarm system can save you a little every year. Theft prevention features such as GM’s OnStar, tamper alarm systems and vehicle immobilizers all hinder your vehicle from being stolen.
  • How many coverages with the same company – Most insurance companies provide better rates to insureds who consolidate policies with them such as combining an auto and homeowners policy. Discounts can be 10 percent or more. Even if you’re getting this discount it’s still a good idea to shop around to confirm you are receiving the best rates possible.

Compare Quotes for Insurance Coverage

Reducing your 1999 Oldsmobile Intrigue insurance rates is actually quite simple. All that’s required is to invest a little time comparing rates online with multiple companies. This is very easy and can be done in a couple of different ways.

  1. The first (and easiest) way to get quotes is to use a rate comparison form click here to open form in new window. This type of form prevents you from having to do separate quotes for every insurance coverage company. A single, simple form will get you price quotes instantly.
  2. A more time consuming way to shop for insurance coverage online consists of going to each company website to complete a price quote. For instance, let’s assume you want rates from Farmers, Liberty Mutual and State Farm. You would have to spend time on each company’s site and enter your information, which is why the first method is more popular. For a handy list of car insurance company links in your area, click here.
  3. The most time-consuming way to get comparison rates is to spend time driving to insurance agents’ offices. The internet has reduced the need for local agents unless you require the personal advice of a local agent. You can, however, price shop online and still use a local agent and you’ll learn how to do that later.

It’s up to you how you get prices quotes, just be sure to compare identical coverage information with each company. If you use unequal deductibles or liability limits it will be next to impossible to determine the lowest rate for your Oldsmobile Intrigue.

Save with discounts on Oldsmobile Intrigue insurance

Insurance can be prohibitively expensive, but companies offer discounts to help offset the cost. Some trigger automatically at the time of purchase, but less common discounts must be specifically requested before they will apply. If you aren’t receiving every discount you deserve, you are paying more than you should be.

  • Multiple Policy Discount – If you have multiple policies with one insurance company you will save up to 20% off your total premium.
  • Braking Control Discount – Vehicles with anti-lock braking systems prevent accidents and will save you 10% or more.
  • Club Memberships – Participating in a professional or civic organization is a good way to get lower rates on your policy for Intrigue insurance.
  • Passive Restraints and Air Bags – Vehicles with factory air bags or motorized seat belts can qualify for discounts up to 30%.
  • Paperless Signup – Certain companies may give you up to $50 simply for signing on their website.
  • Save with a New Car – Adding a new car to your policy is cheaper compared to insuring an older model.
  • Safe Drivers – Drivers who avoid accidents can pay as much as 50% less for Intrigue insurance than their less cautious counterparts.
  • Student Driver Training – Cut your cost by having your teen driver take driver’s ed class if offered at their school.

It’s important to understand that most credits do not apply to the entire cost. Most cut the cost of specific coverages such as comp or med pay. So even though they make it sound like you can get free auto insurance, auto insurance companies aren’t that generous. Any qualifying discounts will cut the cost of coverage.

A partial list of companies that possibly offer these money-saving discounts include:

Before buying, ask every prospective company how you can save money. Savings may not be available in your state.

Tailor your coverage to you

When choosing proper insurance coverage for your personal vehicles, there really is no cookie cutter policy. Each situation is unique and your policy should reflect that. For example, these questions may help you determine whether your personal situation would benefit from an agent’s advice.

  • Should I file a claim if it’s only slightly more than my deductible?
  • Should I buy only the required minimum liability coverage?
  • What happens if I owe more than my 1999 Oldsmobile Intrigue is worth?
  • Do I need higher collision deductibles?
  • Where can I get insurance after a DUI in my state?
  • Where can I find high-risk insurance?
  • What is the minimum liability in my state?
  • Does insurance cover damages from a DUI accident?

If you can’t answer these questions but you know they apply to you, you might consider talking to an agent. If you want to speak to an agent in your area, simply complete this short form or click here for a list of insurance companies in your area. It only takes a few minutes and you can get the answers you need.

Detailed coverages of your insurance policy

Understanding the coverages of insurance aids in choosing which coverages you need for your vehicles. The terms used in a policy can be confusing and even agents have difficulty translating policy wording. These are the normal coverages found on most insurance policies.

Collision – Collision insurance covers damage to your Intrigue caused by collision with an object or car. You first must pay a deductible then your collision coverage will kick in.

Collision coverage pays for things like hitting a parking meter, scraping a guard rail, hitting a mailbox and backing into a parked car. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are older. Another option is to choose a higher deductible to get cheaper collision coverage.

Uninsured/Underinsured Motorist coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other drivers when they either have no liability insurance or not enough. This coverage pays for medical payments for you and your occupants and also any damage incurred to your Oldsmobile Intrigue.

Since many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. So UM/UIM coverage should not be overlooked. Usually the UM/UIM limits do not exceed the liability coverage limits.

Liability coverage – This coverage can cover injuries or damage you cause to people or other property. This insurance protects YOU from legal claims by others, and doesn’t cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show values of 50/100/50 that translate to $50,000 in coverage for each person’s injuries, a per accident bodily injury limit of $100,000, and $50,000 of coverage for damaged propery. Another option is a combined limit which combines the three limits into one amount without having the split limit caps.

Liability can pay for claims such as repair bills for other people’s vehicles, structural damage, bail bonds and attorney fees. How much coverage you buy is up to you, but you should buy as high a limit as you can afford.

Comprehensive coverage – This will pay to fix 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 coverage pays for claims like damage from a tornado or hurricane, a broken windshield and rock chips in glass. The maximum payout 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 coverage and PIP – Medical payments and Personal Injury Protection insurance kick in for short-term medical expenses like ambulance fees, hospital visits, funeral costs and X-ray expenses. They are often used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. They cover not only the driver but also the vehicle occupants and also covers any family member struck as a pedestrian. PIP coverage is not available in all states and gives slightly broader coverage than med pay

Buy Smart and Save

As you shop your coverage around, don’t be tempted to buy lower coverage limits just to save a few bucks. In many instances, someone dropped liability coverage limits only to regret at claim time that saving that couple of dollars actually costed them tens of thousands. Your focus should be to find the BEST coverage at a price you can afford.

In this article, we covered some good ideas how to shop for 1999 Oldsmobile Intrigue insurance online. 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 biggest savings come from a lesser-known regional company. They often have lower prices on specific markets than their larger competitors like Allstate or State Farm.

Cheap insurance can be bought on the web in addition to many insurance agents, so you should compare both in order to have the best price selection to choose from. A few companies do not provide online price quotes and many times these small, regional companies only sell through independent insurance agents.

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