How Much Does 1997 Oldsmobile Bravada Insurance Cost?

Are you regretting the purchase of an expensive auto insurance policy? Trust us when we tell you many drivers feel the same as you.

Insurance companies such as GEICO and Progressive all promote huge savings with catchy ads and it is challenging if not impossible to see through the cute green geckos and mayhem and effectively compare rates to find the best deal.

It is always a good idea to price shop coverage quite often because rates are constantly changing. Just because you had the lowest premium rates for Bravada insurance on your last policy you can probably find a better price now. You can find a lot of misleading information regarding auto insurance on the internet, but by reading this article, you’re going to learn some good information on how to quit paying high auto insurance rates.

Compare insurance rates

To find the best insurance rates, there are several ways to compare rate quotes from different companies. The easiest way by far to compare rates is to jump online and get quotes. It is quite easy and can be accomplished in several different ways.

  1. Experts agree that the best way to get quotes for comparison would be an industry-wide quote request form click to view form in new window. This style of form prevents you from having to do repetitive form entry for every insurance company. In just a few minutes this one form will get you price quotes from insurance companies with the best prices.
  2. A different way to analyze rates is to manually visit the website for each individual company to request a price quote. For example, let’s say you want to get rates from Liberty Mutual, GEICO and American Family. You would be required to spend time on each company’s site and enter your policy data, which can get old fast.

    To view a list of companies in your area, click here.

  3. The last method to find and compare rates is actually driving to insurance agents’ offices. Quoting and buying insurance online has reduced the need for local agents unless you have a need for the peace of mind of a local agency. Some companies do allow you to comparison shop your insurance online but still have the advice of a local agent.

The method you choose is up to you, but make sure you are using equivalent quote data on every price quote you get. If you compare different values for each quote it will be next to impossible to make a fair comparison for your Oldsmobile Bravada. Just a small difference in coverage limits may cause a big price difference. And when price shopping your coverage, having more price comparisons helps improve the odds of finding a better price.

Car insurance rates and discounts

Car insurance companies don’t necessarily list every possible discount in an easy-to-find place, so the next list breaks down both well-publicized and also the more inconspicuous discounts that you may qualify for.

  • Homeowners Discount – Being a homeowner may trigger a policy discount on car insurance since home ownership requires a higher level of personal finance.
  • Good Grades Discount – Getting good grades may save you up to 25%. Many companies even apply the discount to college students up to age 25.
  • Payment Method – By paying your policy upfront as opposed to paying monthly you could save up to 5%.
  • Renewal Discounts – A few car insurance companies give discounts for renewing your policy before your current expiration date. You can save around 10% with this discount.
  • Active Military Service – Having a deployed family member could mean lower car insurance rates.
  • Discount for New Cars – Adding a new car to your policy can get you a discount since new model year vehicles have better safety ratings.

Policy discounts save money, but most discounts do not apply to the entire cost. A few only apply to specific coverage prices like comp or med pay. So even though they make it sound like you would end up receiving a 100% discount, you aren’t that lucky.

Some of the larger companies that may include most of the discounts above are:

When getting free insurance quotes, it’s a good idea to all companies you are considering which discounts can lower your rates. Some discounts might not apply in your area. If you would like to see a list of insurance companies who offer free car insurance quotes, click here.

Learn how to get auto insurance at a discount

Lots of factors are used when premium rates are determined. Some are obvious such as your driving record, but other factors are more obscure such as your marital status or your vehicle rating.

The itemized list below are some of the factors used by companies to determine your premiums.

  • Better credit means lower prices – Credit rating is a big factor in your rate calculation. People that have very good credit scores tend to file fewer claims as compared to drivers with lower credit ratings. If your credit rating can use some improvement, you could save money insuring your 1997 Oldsmobile Bravada by improving your credit score.
  • Teenage drivers are expensive to insure – Mature drivers are viewed as being more responsible, are lower risk to insure .Youthful drivers have a tendency to be inattentive and easily distracted in a vehicle therefore auto insurance rates are much higher.
  • Cautious drivers have lower rates – Careful drivers have lower premiums than their less careful counterparts. Having a single moving violation can bump up the cost substantially. Drivers with flagrant violations such as reckless driving, hit and run or driving under the influence are required to file a SR-22 with their state’s licensing department in order to legally drive.
  • More traffic equals higher costs – Having an address in a rural area may provide you with better prices when shopping for auto insurance. Fewer drivers and short commutes corresponds to lower accident rates in addition to fewer liability claims. Drivers who live in large cities have more auto accidents and more severe claims. Spending more time driving translates into higher accident risk.
  • Lower rates with alarms and GPS tracking – Driving a car that has an advanced theft prevention system can help lower your premiums. Theft prevention devices like OnStar found on GM vehicles, advanced tracking like LoJack, and vehicle immobilization systems all help stop vehicle theft.
  • Never let your auto insurance policy lapse – Not having insurance is a big no-no and auto insurance companies will penalize you for letting your coverage cancel without a new policy in place. And not only will your rates increase, failure to provide proof of insurance could result in a steep fine or even jail time. You may have to prove you have insurance by filing a SR-22 with your state DMV.

Situations that may require an agent’s advice

When it comes to buying adequate coverage, there really is not a “best” method to buy coverage. Everyone’s situation is a little different and your policy should reflect that. Here are some questions about coverages that can help discover if your insurance needs could use an agent’s help.

  • Do I benefit by insuring my home with the same company?
  • Should I have a commercial auto policy?
  • Does my 1997 Oldsmobile Bravada qualify for pleasure use?
  • Does my 1997 Oldsmobile Bravada need full coverage?
  • What is roadside assistance coverage?
  • Do I have coverage when pulling a U-Haul trailer?
  • Do I need rental car coverage?

If you don’t know the answers to these questions but a few of them apply, you may need to chat with a licensed insurance agent. To find an agent in your area, simply complete this short form or you can go here for a list of companies in your area.

Auto insurance coverages

Understanding the coverages of your policy aids in choosing the best coverages at the best deductibles and correct limits. Car insurance terms can be confusing and reading a policy is terribly boring. These are the normal coverages found on the average car insurance policy.

Uninsured or underinsured coverage

This protects you and your vehicle’s occupants from other drivers when they are uninsured or don’t have enough coverage. This coverage pays for medical payments for you and your occupants as well as damage to your Oldsmobile Bravada.

Since a lot of drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is a good idea.

Collision protection

This coverage pays for damage to your Bravada resulting from a collision with another car or object. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things such as scraping a guard rail, rolling your car and sustaining damage from a pot hole. Paying for collision coverage can be pricey, so consider removing coverage from older vehicles. Drivers also have the option to raise the deductible to bring the cost down.

Comprehensive protection

This coverage will pay to fix damage from a wide range of events other than collision. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive insurance covers things like hitting a bird, theft and a tree branch falling on your vehicle. The most you’ll receive from a claim is the market value of your vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Coverage for liability

This provides protection from injuries or damage you cause to people or other property that is your fault. It protects you from claims by other people. Liability doesn’t cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have policy limits of 100/300/100 which means $100,000 bodily injury coverage, 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 insurance covers claims such as attorney fees, loss of income, medical expenses, structural damage and repair bills for other people’s vehicles. The amount of liability coverage you purchase is a decision to put some thought into, but it’s cheap coverage so purchase as high a limit as you can afford.

Medical expense coverage

Coverage for medical payments and/or PIP reimburse you for immediate expenses for chiropractic care, prosthetic devices, surgery, EMT expenses and nursing services. They are used to cover expenses not covered by your health insurance policy or if you do not have health coverage. Medical payments and PIP cover all vehicle occupants and also covers getting struck while a pedestrian. PIP is only offered in select states and gives slightly broader coverage than med pay

Better coverage you can count on

In this article, we presented some good ideas how you can compare 1997 Oldsmobile Bravada insurance rates online. It’s most important to understand that the more price quotes you have, the better chance you’ll have of finding cheaper insurance. Consumers could even find that the most savings is with an unexpected company. Some small companies may have significantly lower auto insurance rates on certain market segments than the large multi-state companies such as State Farm and Allstate.

While you’re price shopping online, make sure you don’t buy lower coverage limits just to save a few bucks. There are a lot of situations where an insured cut liability coverage limits only to regret at claim time that they should have had better coverage. Your objective should be to buy a smart amount of coverage at a price you can afford while not skimping on critical coverages.

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