Cheap 2003 Oldsmobile Bravada Car Insurance Quotes

Looking for better insurance rates for your Oldsmobile Bravada? Finding the cheapest insurance on the internet may be impossible for consumers not familiar with comparing rates online. With dozens of companies competing online, how can consumers effectively compare them all to find the lowest price?

Consumers need to price shop coverage once or twice a year because prices tend to go up over time. If you had the best rates on Bravada coverage last year there is a good chance you can find better rates now. Forget all the misinformation about insurance because you’re about to find out the things you must know in order to get good coverage at a lower rate.

If you have car insurance now, you will most likely be able to cut costs considerably using these methods. The purpose of this post is to introduce you to how to get online quotes and some tips to save money. Nevertheless, consumers benefit from understanding the way insurance companies sell insurance online and take advantage of how the system works.

Don’t pay full price with these discounts

Companies that sell car insurance do not advertise all available discounts very clearly, so the following is a list of both well-publicized as well as the least known ways to save on insurance.

  • Memberships – Participating in certain professional organizations is a good way to get lower rates when shopping for insurance on Bravada coverage.
  • Accident Waiver – Some insurance companies will allow you to have one accident before hitting you with a surcharge as long as you don’t have any claims for a certain period of time.
  • Own a Home – Being a homeowner can help you save on insurance because of the fact that having a home demonstrates responsibility.
  • Low Mileage Discounts – Fewer annual miles on your Oldsmobile could be rewarded with discounted rates on garaged vehicles.
  • Safe Drivers – Drivers who avoid accidents can pay as much as 50% less on Bravada coverage than less cautious drivers.
  • Seat Belts Save more than Lives – Drivers who require all occupants to use a seat belt could cut 10% or more off your PIP or medical payments premium.
  • Accident Free – Good drivers with no accidents can earn big discounts compared to drivers who are more careless.
  • Student in College – Any of your kids who attend school more than 100 miles from home and do not have access to a covered vehicle may be able to be covered for less.
  • More Vehicles More Savings – Buying coverage for multiple cars or trucks on one policy can get a discount on all vehicles.

A little note about advertised discounts, most discount credits are not given to all coverage premiums. A few only apply to the price of certain insurance coverages like collision or personal injury protection. Just because you may think adding up those discounts means a free policy, insurance companies aren’t that generous.

A partial list of companies that possibly offer these benefits include:

Before buying, ask each insurance company how you can save money. Some discounts may not apply in your state.

Your personal situation dictates your coverage

When choosing adequate coverage for your personal vehicles, there isn’t really a “best” method to buy coverage. Every insured’s situation is different.

For example, these questions might point out whether you would benefit from professional advice.

  • Do I need roadside assistance coverage?
  • Am I covered if I drive in a foreign country?
  • What is the rate difference between pleasure use and commuting?
  • What is the minimum liability in my state?
  • How do I buy GAP insurance?
  • Am I covered if I hit a deer?
  • Am I insured when driving a different vehicle?
  • Will my vehicle be repaired with OEM or aftermarket parts?
  • Do I need PIP coverage since I have good health insurance?
  • Is motorclub coverage worth it?

If it’s difficult to answer those questions then you might want to talk to an insurance agent. To find an agent in your area, simply complete this short form.

The insurance coverage bait and switch

Insurance coverage companies such as 21st Century, Allstate and State Farm consistently run television and radio advertisements. They all seem to have a common claim that you’ll save big if you change your policy. How does each company claim to save you money?

All the different companies are able to cherry pick for the right customer that earns them a profit. For instance, a preferred risk could possibly be between 25 and 40, insures multiple vehicles, and drives less than 7,500 miles a year. Any new insured that hits that “sweet spot” will qualify for the lowest rates and most likely will save when they switch companies.

Potential insureds who do not match this ideal profile must pay higher rates which leads to business going elsewhere. The ads state “customers that switch” not “everybody who quotes” save that kind of money. That’s why insurance companies can advertise the savings. This illustrates why you absolutely need to compare as many rates as you can. It’s not possible to predict the company that will give you the biggest savings on Oldsmobile Bravada insurance.

Insurance coverage options for a 2003 Oldsmobile Bravada

Learning about specific coverages of your policy can be of help when determining appropriate coverage and proper limits and deductibles. Insurance terms can be ambiguous and coverage can change by endorsement.

Uninsured Motorist or Underinsured Motorist insurance – Your UM/UIM coverage protects you and your vehicle’s occupants when other motorists either are underinsured or have no liability coverage at all. It can pay for medical payments for you and your occupants as well as your vehicle’s damage.

Because many people only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is a good idea.

Collision – This coverage 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 like rolling your car, scraping a guard rail and backing into a parked car. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are older. Another option is to raise the deductible to bring the cost down.

Liability coverage – This will cover damages or injuries you inflict on a person or their property that is your fault. It protects YOU from claims by other people, and doesn’t cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show liability limits of 100/300/100 that means you have $100,000 in coverage for each person’s injuries, a total of $300,000 of bodily injury coverage per accident, and a total limit of $100,000 for damage to vehicles and property.

Liability can pay for things such as medical services, structural damage, loss of income and bail bonds. How much liability coverage do you need? That is a decision to put some thought into, but you should buy as high a limit as you can afford.

Comprehensive coverage (or Other than Collision) – Comprehensive insurance coverage will pay to fix damage from a wide range of events other than collision. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things such as hail damage, damage from flooding, a tree branch falling on your vehicle and a broken windshield. The maximum payout a insurance company will pay at claim time 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.

Insurance for medical payments – Med pay and PIP coverage kick in for bills like funeral costs, dental work and chiropractic care. The coverages can be used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. They cover all vehicle occupants in addition to if you are hit as a while walking down the street. PIP coverage is only offered in select states but can be used in place of medical payments coverage

More effort can pay off

Discount 2003 Oldsmobile Bravada insurance can be found both online as well as from independent agents, and you should be comparing both to have the best rate selection. Some auto insurance companies don’t offer online price quotes and most of the time these regional insurance providers sell through independent agents.

As you prepare to switch companies, you should never skimp on coverage in order to save money. In many instances, consumers will sacrifice physical damage coverage and found out when filing a claim that the few dollars in savings costed them thousands. The proper strategy is to buy the best coverage you can find at an affordable rate while still protecting your assets.

We covered a lot of tips how to shop for insurance online. The key thing to remember is the more rate comparisons you have, the higher your chance of finding lower rates. Consumers could even find that the lowest rates come from a company that doesn’t do a lot of advertising.

More detailed auto insurance information is available by following these links: