Consumers have options when looking for affordable Oldsmobile Intrigue insurance. You can either spend your time contacting agents to compare prices or leverage the internet to find the lowest rates.
There is a right way and a wrong way to compare car insurance rates so you’re going to learn the quickest way to compare rates for your Oldsmobile and get the lowest possible price.
It’s a good idea to compare rates every six months because rates tend to go up over time. Just because you found the best deal for Intrigue insurance a year ago a different company probably has better rates today. There is a lot of bad information regarding car insurance on the web, but we’re going to give you some solid techniques on how to slash your car insurance rates.
Most companies allow you to get prices for coverage on their websites. Obtaining pricing is fairly simple as you simply enter the coverages you want as detailed in the form. After you complete the form, the company’s rating system pulls information on your driving record and credit history and provides a quote based on these factors.
This streamlines rate comparisons, but the time required to go to a lot of sites and enter the same data into a form is not the best way to spend an afternoon. But it’s very important to compare as many rates as possible in order to find a lower rate.
The easiest way to lower your car insurance bill makes use of a single form that gets price quotes from multiple companies. It’s a real time-saver, requires much less work on your part, and makes comparison shopping much simpler. After sending the form, your coverage is rated and you are able to buy any or none of the returned quotes.
If the quotes result in lower rates, you can simply submit the application and buy the policy. The entire process takes 15 minutes at the most and you will know how your current rates stack up.
In order to compare rates now, simply click here to open in new window and begin entering your coverage information. If you have a policy now, it’s recommended you type in your coverages identical to your current policy. This guarantees you’re receiving a price comparison for exact coverage.
An important part of buying insurance is that you know the factors that come into play when calculating the rates you pay for insurance. Understanding what controls the rates you pay enables informed choices that may reward you with big savings.
The list below includes some of the factors insurance companies consider when setting rates.
The cost of insuring your cars can be expensive, but discounts can save money and there are some available to help offset the cost. Larger premium reductions will be automatically applied when you quote, but lesser-known reductions have to be asked about prior to getting the savings. If you’re not getting every credit available, you are paying more than you should be.
Consumers should know that many deductions do not apply to all coverage premiums. The majority will only reduce individual premiums such as liability, collision or medical payments. Just because you may think you can get free auto insurance, it doesn’t quite work that way. Any qualifying discounts will help reduce your overall premium however.
Insurance companies that may offer these money-saving discounts may include but are not limited to:
Before buying, ask every prospective company how you can save money. Savings may not be available in your state.
When buying adequate coverage, there really is not a cookie cutter policy. Everyone’s situation is a little different.
For instance, these questions can help discover if you would benefit from an agent’s advice.
If it’s difficult to answer those questions, then you may want to think about talking to an insurance agent. If you don’t have a local agent, fill out this quick form. It is quick, free and may give you better protection.
Having a good grasp of a car insurance policy helps when choosing which coverages you need and proper limits and deductibles. Policy terminology can be difficult to understand and even agents have difficulty translating policy wording.
Coverage for liability – This will cover damage that occurs to a person or their property by causing an accident. This coverage protects you against claims from other people, and doesn’t cover damage sustained by your vehicle in an accident.
Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You might see liability limits of 25/50/25 which stand for $25,000 in coverage for each person’s injuries, a total of $50,000 of bodily injury coverage per accident, and a total limit of $25,000 for damage to vehicles and property. Occasionally you may see one number which is a combined single limit which provides one coverage limit with no separate limits for injury or property damage.
Liability insurance covers things like medical services, medical expenses, pain and suffering and bail bonds. How much liability should you purchase? That is up to you, but buy as high a limit as you can afford.
Uninsured and underinsured coverage – This coverage gives you protection from other drivers when they either have no liability insurance or not enough. Covered losses include medical payments for you and your occupants and also any damage incurred to your Oldsmobile Intrigue.
Since a lot of drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. So UM/UIM coverage is a good idea. Normally these coverages do not exceed the liability coverage limits.
Coverage for medical payments – Coverage for medical payments and/or PIP reimburse you for short-term medical expenses such as dental work, funeral costs, hospital visits, ambulance fees and nursing services. They are often used in conjunction with a health insurance plan or if you are not covered by health insurance. It covers all vehicle occupants and also covers getting struck while a pedestrian. Personal injury protection coverage is not available in all states and gives slightly broader coverage than med pay
Comprehensive coverages – This coverage will pay to fix damage OTHER than collision with another vehicle or object. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.
Comprehensive can pay for things such as theft, damage from a tornado or hurricane, damage from getting keyed and falling objects. The most your car insurance company will pay is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.
Collision coverages – Collision coverage pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You first must pay a deductible and the rest of the damage will be paid by collision coverage.
Collision can pay for things such as sideswiping another vehicle, driving through your garage door, crashing into a building, hitting a mailbox and hitting a parking meter. This coverage can be expensive, so you might think about dropping it from lower value vehicles. It’s also possible to choose a higher deductible to get cheaper collision coverage.
While you’re price shopping online, do not skimp on coverage in order to save money. In many cases, an insured dropped comprehensive coverage or liability limits and learned later that the few dollars in savings costed them thousands. The proper strategy is to buy enough coverage for the lowest price while not skimping on critical coverages.
Low-cost 2000 Oldsmobile Intrigue insurance can be bought from both online companies and with local insurance agents, and you need to price shop both to have the best chance of lowering rates. Some insurance providers do not offer online quoting and many times these small, regional companies only sell through independent insurance agents.
In this article, we covered a lot of information how to lower your insurance rates. It’s most important to understand that the more times you quote, the higher your chance of finding lower rates. Consumers may even find the most savings is with some of the smallest insurance companies.
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