Cheap 2001 Oldsmobile Aurora Car Insurance Rates

Are you confused by the dozens of insurance coverage company choices? Many other consumers are too. There are so many choices that it can be more work than you anticipated to locate the lowest price.

You should make it a habit to do rate comparisons periodically because insurance rates trend upward over time. Even if you got the lowest price for Aurora coverage a couple years back you can probably find a better price now. Starting now, block out anything you think you know about insurance coverage because I’m going to teach you the fastest and easiest way to remove unneeded coverages and save money.

Get lower rates on Oldsmobile Aurora insurance

Companies that sell car insurance don’t always advertise every discount very well, so here is a list some of the more common and also the lesser-known car insurance savings.

  • Sign Early and Save – Select companies give a discount for buying a policy before your current expiration date. It can save you around 10%.
  • Claim Free – Good drivers with no accidents can save substantially when compared with drivers who are more careless.
  • Anti-lock Brakes – Vehicles equipped with ABS or steering control can avoid accidents and will save you 10% or more.
  • Sign Online – A few companies give back up to $50 for buying a policy and signing up on their website.
  • Defensive Driving Course – Completing a course in driver safety could possibly earn you a 5% discount if your company offers it.

It’s important to note that most of the big mark downs will not be given to your bottom line cost. Some only reduce specific coverage prices like medical payments or collision. So even though they make it sound like you would end up receiving a 100% discount, companies wouldn’t make money that way.

Companies that may offer some of the above discounts are:

Before buying, ask each insurance company what discounts are available to you. Discounts might not be offered in your state.

Fast and Easy Insurance Coverage Quotes

There are several ways you can shop for Oldsmobile Aurora insurance coverage but some are less labor-intensive and much quicker. You could waste time talking to local insurance agents in your area, or you can stay home and use the internet to get rates in a matter of minutes.

Many popular insurance companies participate in an industry program where prospective buyers complete one form, and at least one company can give them a price based on that data. This system prevents you from having to do repetitive form submissions to every company.

To find out how much you’re overpaying now click here (opens in new window).

The one disadvantage to doing it this way is you are unable to specify which providers to get quotes from. So if you want to choose specific insurance companies to request quotes from, we have assembled a list of the cheapest insurance coverage companies in your area. Click here to view list.

It’s up to you which method you use, but double check that you are using identical coverages for each price quote. If you use different limits and deductibles on each one it will be very difficult to determine the lowest rate for your Oldsmobile Aurora. Just a small difference in coverage limits may cause a big price difference. It’s important to know that getting more free quotes gives you a better chance of getting the best price.

Tailor your coverage to you

When choosing the best auto insurance coverage, there isn’t really a one size fits all plan. Everyone’s needs are different.

Here are some questions about coverages that may help highlight whether you might need an agent’s assistance.

  • Is pleasure use cheaper than using my 2001 Oldsmobile Aurora to commute?
  • Is a new car covered when I drive it off the dealer lot?
  • Do I have any recourse if my insurance company denies a claim?
  • Is my ex-spouse still covered by my policy?
  • Am I covered when driving a rental car?
  • Does my liability insurance cover pulling a trailer or camper?
  • Does my policy pay for OEM or aftermarket parts?
  • Do I need replacement cost coverage on my 2001 Oldsmobile Aurora?
  • Who is covered by my policy?
  • Is there coverage for injuries to my pets?

If you’re not sure about those questions but one or more may apply to you, you might consider talking to an insurance agent. If you don’t have a local agent, simply complete this short form.

Insurance coverage breakdown

Understanding the coverages of your policy can help you determine which coverages you need and the correct deductibles and limits. The terms used in a policy can be confusing and coverage can change by endorsement.

Medical costs insurance

Personal Injury Protection (PIP) and medical payments coverage kick in for immediate expenses such as chiropractic care, surgery, X-ray expenses, ambulance fees and pain medications. They are used to cover expenses not covered by your health insurance program or if you are not covered by health insurance. It covers you and your occupants and will also cover being hit by a car walking across the street. PIP coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Collision protection

This coverage pays for damage to your Aurora resulting from a collision with another car or object. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage pays for things like backing into a parked car, rolling your car and crashing into a ditch. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Another option is to increase the deductible in order to get cheaper collision rates.

UM/UIM Coverage

This coverage protects you and your vehicle from other drivers when they either are underinsured or have no liability coverage at all. Covered losses include injuries to you and your family as well as your vehicle’s damage.

Due to the fact that many drivers have only the minimum liability required by law, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.


This can cover injuries or damage you cause to people or other property by causing an accident. It protects YOU from claims by other people, and does not provide coverage for your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show liability limits of 25/50/25 which means a $25,000 limit per person for injuries, a per accident bodily injury limit of $50,000, and a total limit of $25,000 for damage to vehicles and property.

Liability can pay for claims such as loss of income, repair costs for stationary objects, emergency aid and structural damage. How much liability coverage do you need? That is a personal decision, but you should buy higher limits if possible.

Comprehensive or Other Than Collision

This pays to fix your vehicle from damage from a wide range of events other than collision. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims like falling objects, hitting a deer, a broken windshield and hitting a bird. The maximum amount you’ll receive from a claim is the ACV or actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Find Good Coverage for Less

Drivers who switch companies do it for any number of reasons including high rates after DUI convictions, lack of trust in their agent, poor customer service or even questionable increases in premium. It doesn’t matter what your reason, finding a great new company is actually quite simple.

As you prepare to switch companies, don’t be tempted to buy poor coverage just to save money. There have been many situations where an insured dropped physical damage coverage only to find out they didn’t purchase enough coverage. The proper strategy is to buy enough coverage for the lowest price while still protecting your assets.

Throughout this article, we presented many ideas to lower your 2001 Oldsmobile Aurora insurance rates. The most important thing to understand is the more providers you compare, the higher your chance of finding lower rates. You may even discover the most savings is with some of the lesser-known companies.

Even more information can be found by following these links: