1994 Oldsmobile Achieva Car Insurance Rates – 7 Savings Tips

Getting the lowest price car insurance may be rather challenging for vehicle owners not familiar with shopping for insurance over the internet. With such a large choice of insurance companies available, how can vehicle owners be able to compare each option to find cheaper car insurance rates?

How to get auto insurance rate quotes

Most companies allow you to get pricing directly from their websites. Getting online rates is fairly straightforward as you simply enter the coverage amounts you desire as detailed in the form. Behind the scenes, the quote system orders information on your driving record and credit history and generates pricing information based on these and other factors.

Being able to quote online makes it a lot easier to compare rates but having to visit a lot of sites and type in the same information is a waste of time. But it is imperative to compare as many rates as possible if you are searching for better prices.

There is an easier way!

The quickest way to lower your auto insurance bill requires only one form that analyzes rates from a lot of companies. This type of form saves time, requires less work, and makes comparison shopping a lot less work. As soon as the form is sent, it is quoted and you can select your choice of the returned quotes. If a lower price is quoted, you can click and sign and buy the policy. This process takes just a few minutes to complete and may result in a nice savings.

If you want to fill out one form to compare multiple rates now, click here and begin entering your coverage information. If you have a policy now, it’s recommended you duplicate the coverages exactly as shown on your declarations page. This makes sure you will have an apples-to-apples comparison using the exact same coverages.

Seven discounts for affordable insurance coverage rates

Some companies do not advertise the complete list of policy discounts in a way that’s easy to find, so we break down some of the more common and the more hidden credits available to bring down your rates.

• Federal Employees – Employees or retirees of the government can save as much as 8% on Achieva coverage with some insurance coverage companies.
• Discount for Swiching Early – Some insurance companies reward drivers for switching policies before your current expiration date. It can save you around 10%.
• Discount for Home Ownership – Owning a home may earn you a small savings since owning and maintaining a home is proof of financial responsibility.
• Accident Waiver – This isn’t a discount exactly, but some companies like Progressive and Allstate may permit one accident before hitting you with a surcharge if you have no claims for a certain period of time.
• Save with More Vehicles Insured – Drivers who insure all your vehicles with the same company could earn a price break for each car.
• Anti-theft System – Cars, trucks, and SUVs optioned with advanced anti-theft systems are stolen less frequently and can earn a small discount on your policy.
• Driver Education Discount – Have your child take driver’s ed class in high school.

Please keep in mind that most credits do not apply the the whole policy. The majority will only reduce individual premiums such as medical payments or collision. Despite the fact that it seems like having all the discounts means you get insurance for free, companies don’t profit that way. But any discount should help lower your policy premiums.

The best insurance coverage companies and a selection of discounts are outlined below.

• GEICO has discounts for anti-lock brakes, defensive driver, good student, seat belt use, and five-year accident-free.
• Travelers may offer discounts for multi-car, save driver, multi-policy, hybrid/electric vehicle, payment discounts, and student away at school.
• Farm Bureau offers premium reductions for renewal discount, 55 and retired, good student, youthful driver, driver training, safe driver, and multi-vehicle.
• Liberty Mutual includes discounts for newly retired, multi-car, new graduate, hybrid vehicle, safety features, and good student.
• American Family discounts include air bags, Steer into Savings, good driver, defensive driver, early bird, mySafetyValet, and good student.
• Progressive has savings for multi-vehicle, multi-policy, good student, continuous coverage, homeowner, and online quote discount.

When getting a coverage quote, ask every company how many discounts you can get. All car insurance discounts may not be offered in every state. If you would like to choose from a list of companies with the best discounts, click here to view.

You may need specialized car insurance coverage

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

Here are some questions about coverages that might help in determining whether you may require specific advice.

• Can I get a multi-policy discount for packaging my home and auto coverage?
• Will my insurance pay for OEM parts?
• Does medical payments coverage apply to all occupants?
• Do I pay less for low miles?
• Can I rate high risk drivers on liability-only vehicles?
• Does my liability insurance cover pulling a trailer or camper?
• Why is insurance for a teen driver so high?
• Am I better off with higher deductibles on my 1994 Oldsmobile Achieva?
• Which is better, split liability limits or combined limits?
• What is no-fault insurance?

If you can’t answer these questions but you know they apply to you then you might want to talk to an insurance agent. If you want to speak to an agent in your area, simply complete this short form.

Specifics of your insurance policy

Understanding the coverages of a insurance policy helps when choosing the best coverages and proper limits and deductibles. Insurance terms can be difficult to understand and coverage can change by endorsement.

Coverage for medical payments

Coverage for medical payments and/or PIP kick in for expenses for funeral costs, ambulance fees, dental work, prosthetic devices and surgery. The coverages can be used to fill the gap from your health insurance policy or if you are not covered by health insurance. It covers you and your occupants and will also cover getting struck while a pedestrian. PIP coverage is only offered in select states and gives slightly broader coverage than med pay

Comprehensive coverages

Comprehensive insurance covers damage from a wide range of events other than collision. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive can pay for things such as theft, hitting a deer, damage from flooding, vandalism and hail damage. The highest amount you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle’s value is low consider dropping full coverage.

Uninsured and underinsured coverage

Uninsured or Underinsured Motorist coverage gives you protection from other drivers when they either are underinsured or have no liability coverage at all. Covered claims include hospital bills for your injuries as well as damage to your 1994 Oldsmobile Achieva.

Due to the fact that many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is important protection for you and your family.

Liability

Liability coverage can cover damage that occurs to a person or their property. Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show policy limits of 25/50/25 that means you have $25,000 in coverage for each person’s injuries, $50,000 for the entire accident, and a total limit of $25,000 for damage to vehicles and property.

Liability coverage pays for things like emergency aid, pain and suffering and medical services. The amount of liability coverage you purchase is a decision to put some thought into, but buy as high a limit as you can afford.

Collision protection

This will pay to fix damage to your Achieva caused by collision with another car or object. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage pays for claims like hitting a parking meter, driving through your garage door, colliding with a tree, backing into a parked car and sideswiping another vehicle. Collision is rather expensive coverage, so you might think about dropping it from lower value vehicles. You can also increase the deductible in order to get cheaper collision rates.