2000 Oldsmobile Bravada Car Insurance Quotes

Have you fallen victim to an underperforming, overpriced car insurance policy? Believe me, you’re not the only one.

Having so many car insurance companies to choose from, it can be challenging to find the right car insurance company.

It’s a great practice to get comparison quotes periodically due to the fact that insurance rates change quite often. Even if you think you had the lowest rates for Bravada coverage a couple years back you will most likely find a better rate today. There is a lot of bad information regarding car insurance on the internet, so with this article, you’re going to get some tested techniques to slash your car insurance rates.

Finding Insurance Coverage Deals

Most major insurance companies such as 21st Century, Allstate and State Farm provide pricing online. The process is pretty easy as you simply enter your coverage preferences as detailed in the form. Once you submit the form, the company’s rating system makes automated requests for your credit score and driving record and returns a price based on these and other factors. Online quotes streamlines rate comparisons, but the work required to visit several different sites and enter the same data into a form can be a bit tiresome and repetitive. But it is imperative to get many rate quotes in order to find better prices.

A more efficient way to get multiple rate quotes utilizes a single form that analyzes rates from several different companies. The form is fast, helps eliminate reptitive entry, and makes online price comparison much more enjoyable. As soon as the form is sent, it gets priced and you can select any of the pricing results.

If one or more price quotes are lower than your current rates, you simply finish the application and buy the new coverage. It takes less than 15 minutes and can result in significant savings.

To find out how much you’re overpaying now, simply click here to open in new window and enter your vehicle and coverage information. If you have a policy now, it’s recommended you copy the limits and deductibles as shown on your current policy. This helps ensure you’re receiving rate comparison quotes using the exact same coverages.

Cut your premium with discounts

Insuring your vehicles can cost a lot, but there are discounts available that many people don’t even know exist. Most are applied when you complete an application, but some must be requested specifically before you get the savings.

  • Military Discounts – Having a deployed family member may qualify for rate reductions.
  • Braking Control Discount – Vehicles equipped with ABS or steering control can avoid accidents and qualify for as much as a 10% discount.
  • Own a Home – Simply owning a home can help you save on insurance coverage due to the fact that maintaining a home is proof that your finances are in order.
  • Senior Citizens – Mature drivers may receive a small decrease in premiums for Bravada coverage.
  • No Accidents – Good drivers with no accidents can earn big discounts compared to bad drivers.
  • Discounts for Safe Drivers – Drivers who avoid accidents can get discounts for up to 45% lower rates for Bravada coverage than their less cautious counterparts.

Consumers should know that some credits don’t apply to the entire cost. A few only apply to individual premiums such as physical damage coverage or medical payments. So when it seems like having all the discounts means you get insurance for free, it just doesn’t work that way. But any discount will help reduce the cost of coverage.

Car insurance companies that may have these benefits include:

Before buying, ask each company what discounts are available to you. Discounts may not be available in your area.

What is the best insurance coverage?

When buying the right insurance coverage, there is no one size fits all plan. Everyone’s needs are different and a cookie cutter policy won’t apply. For instance, these questions may help highlight whether your personal situation might need an agent’s assistance.

  • When would I need rental car insurance?
  • I have good health insurance, so how much medical payments coverage do I need?
  • What companies insure drivers after a DUI or DWI?
  • Can I rent a car in Mexico?
  • What exactly is covered by my policy?
  • Do I need more liability coverage?
  • Do I need roadside assistance coverage?
  • Is business property covered if stolen from my car?
  • Is a blown tire covered by insurance?
  • What should my uninsured motorist coverage limits be in my state?

If you don’t know the answers to these questions but you know they apply to you, you may need to chat with an insurance agent. To find lower rates from a local agent, simply complete this short form or go to this page to view a list of companies.

Pieces of the Oldsmobile Bravada insurance rate puzzle

Consumers need to have an understanding of some of the elements that come into play when calculating the price you pay for auto insurance. Knowing what controls the rates you pay empowers consumers to make smart changes that will entitle you to lower auto insurance prices.

The list below includes a few of the “ingredients” used by your company to calculate prices.

  • Don’t sacrifice liability coverage – Liability insurance will protect you if you are found to be at fault for causing damage or personal injury in an accident. Liability insurance provides you with a defense in court starting from day one. Carrying liability coverage is mandatory and cheap compared to physical damage coverage, so do not cut corners here.
  • Battle of the sexes – Statistics demonstrate women are more cautious behind the wheel. That doesn’t necessarily mean that men are WORSE drivers than women. They both cause accidents in similar numbers, but the male of the species cause more damage. Men also tend to receive more costly citations like reckless driving and DUI. Teenage male drivers are several times more likely to be in an accident and are penalized with high auto insurance rates.
  • Being married is a good thing – Having a wife or husband helps lower the price when buying auto insurance. Marriage means you’re more mature and responsible and statistics show married couples file fewer claims.
  • Do you work long hours in a high stress job? – Did you know your auto insurance rates can be affected by your occupation? Occupations such as judges, architects and dentists are shown to have the highest average rates due to stressful work requirements and long work days. Other occupations like actors, historians and homemakers pay the least for Bravada coverage.
  • Your age impacts your rates – Older drivers are more cautious drivers, tend to file fewer claims and tend to be better behind the wheel. Young drivers tend to be careless and easily distracted behind the wheel therefore auto insurance rates are much higher.

Do drivers who switch really save $478 a year?

21st Century, Allstate and State Farm continually stream ads in print and on television. All the companies make an identical promise of big savings after switching to their company. How do they all make the same claim? This is how they do it.

All the different companies are able to cherry pick for the type of customer they prefer to insure. For instance, a desirable insured might be profiled as between the ages of 40 and 55, a clean driving record, and drives less than 10,000 miles a year. Any new insured that hits that “sweet spot” is entitled to the best price and is almost guaranteed to save when they switch companies.

Potential insureds who are not a match for these standards will be quoted higher prices which usually ends up with the driver buying from a lower-cost company. The ad wording is “drivers who switch” not “everyone that quotes” save that much money. That’s why companies can make the claims of big savings.

This emphasizes why you need to quote coverage with many companies. It’s impossible to know which car insurance company will provide you with the cheapest Oldsmobile Bravada insurance rates.

The coverage is in the details

Learning about specific coverages of car insurance can be of help when determining the right coverages at the best deductibles and correct limits. Policy terminology can be impossible to understand and nobody wants to actually read their policy. Shown next are the usual coverages found on the average car insurance policy.

Liability coverages

Liability insurance can cover injuries or damage you cause to people or other property that is your fault. It protects YOU from legal claims by others, and doesn’t cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see limits of 50/100/50 which means $50,000 in coverage for each person’s injuries, a per accident bodily injury limit of $100,000, and property damage coverage for $50,000. Some companies may use a combined limit which combines the three limits into one amount without having the split limit caps.

Liability insurance covers claims such as bail bonds, legal defense fees, emergency aid and loss of income. How much liability coverage do you need? That is a personal decision, but consider buying as high a limit as you can afford.

Comprehensive coverage (or Other than Collision)

This coverage will pay to fix damage that is not covered by collision coverage. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things such as theft, hitting a bird and a broken windshield. The maximum payout a car insurance company will pay at claim time is the actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Uninsured Motorist or Underinsured Motorist insurance

This provides protection from other drivers when they either are underinsured or have no liability coverage at all. Covered losses include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Because many people carry very low liability coverage limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is important protection for you and your family. Frequently these limits are identical to your policy’s liability coverage.

Insurance for medical payments

Med pay and PIP coverage kick in for short-term medical expenses for things like prosthetic devices, nursing services, ambulance fees, EMT expenses and chiropractic care. They are often used to cover expenses not covered by your health insurance policy or if you do not have health coverage. Medical payments and PIP cover you and your occupants and will also cover if you are hit as a while walking down the street. PIP coverage is not available in all states and gives slightly broader coverage than med pay

Collision insurance

Collision insurance will pay to fix damage to your Bravada resulting from a collision with another vehicle or an object, but not an animal. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for claims such as driving through your garage door, colliding with another moving vehicle, hitting a parking meter and crashing into a building. Collision coverage makes up a good portion of your premium, so consider removing coverage from lower value vehicles. It’s also possible to bump up the deductible to save money on collision insurance.

Save for a rainy day

Cheap 2000 Oldsmobile Bravada insurance is possible both online as well as from independent agents, so compare prices from both to have the best chance of lowering rates. Some insurance companies don’t offer the ability to get a quote online and usually these regional insurance providers provide coverage only through local independent agents.

We’ve covered some good ideas how to shop for insurance online. The key thing to remember is the more rate quotes you have, the better your comparison will be. You may be surprised to find that the lowest priced insurance comes from a small local company. They may only write in your state and offer lower rates as compared to the big name companies such as Allstate, Geico and Progressive.

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