1998 Oldsmobile Achieva Insurance Cost

Have you finally had enough of scraping the payment together each month for insurance coverage? You are in the same boat as the majority of other vehicle owners.

Companies like State Farm and GEICO continually bombard you with TV and radio ads and it is difficult to see past the geckos and flying pigs and find the best price available.

Consumers should take time to check insurance coverage prices on a regular basis due to the fact that insurance prices are adjusted regularly by insurance companies. Even if you got the best deal on Achieva insurance six months ago you may be paying too much now. Ignore everything you know about insurance coverage because we’re going to show you how to quote online to save money, get proper coverage and the best rates.

If you currently have a car insurance policy, you will be able to reduce your rates substantially using these tips. Finding affordable coverage is easy if you know what you’re doing. But car owners need to learn the methods companies use to compete online.

How insurance providers determine Oldsmobile Achieva insurance rates

When buying insurance coverage it’s important to understand the different types of things that are used to determine insurance coverage rates. If you know what controls the rates you pay, this allows you to make good choices that could result in much lower annual insurance costs. Lots of things are part of the equation when you quote your car insurance policy. Some of the criteria are obvious like an MVR report, although some other factors are not as apparent such as your marital status and annual miles driven.

  • No policy claims equals better rates – Car insurance companies give lower rates to policyholders who do not rely on their insurance for small claims. If you frequently file small claims, you can definitely plan on much higher rates or policy non-renewal. Your car insurance is intended to be relied upon for claims that you cannot pay yourself.
  • Single drivers may get higher costs – Getting married can actually save you money compared to being single. Having a spouse is viewed as being more responsible and statistics show drivers who are married are more cautious.
  • Premiums for guys may be higher – Over the last 30 years, statistics show females are less aggressive when driving. However, this does not mean females are better drivers. Males and females tend to get into at-fault accidents at about the same rate, but males tend to have higher claims. They also have more aggressive citations such as reckless driving. Males from age 16 to 21 generally have the highest accident percentage and therefore pay the highest rates.
  • Lower rates by increasing physical damage deductibles – Physical damage deductibles are the amount of money you are required to spend out-of-pocket before your insurance coverage pays a claim. Physical damage protection, commonly called comprehensive (or other-than-collision) and collision coverage, covers damage that occurs to your car. Some coverage claims would be rearending another vehicle, vandalism, and damage caused by road hazards. The more money you are required to pay out-of-pocket, the less your insurance coverage will be on Achieva insurance.
  • Lower miles driven equals lower premium – The higher the mileage driven every year the more you’ll pay to insure your vehicle. Most companies rate vehicles based upon how you use the vehicle. Vehicles not used for work or commuting get more affordable rates than vehicles that are driven to work every day. Double check that your vehicle rating is showing the correct usage. Having an incorrect usage rating on your Achieva may be costing you higher rates.
  • Youthful drivers pay high prices – Teenage drivers are statistically shown to get distracted easily in a vehicle so they pay higher insurance coverage rates. More mature drivers are more responsible, cost insurance companies less in claims .

Quote insurance coverage online

To find more affordable rates, there are a couple of ways to compare rate quotes from lots of insurance coverage companies. The simplest method to find cheaper Oldsmobile Achieva rates consists of obtaining rate quotes online. This is very easy and can be done in just a few minutes using one of these methods.

  1. One of the simplest ways to get quotes is a comparison rater form click here to open form in new window. This form saves time by eliminating separate quote forms for every company. One form compares rates instantly.
  2. A slightly less efficient method to analyze rates consists of going to each individual company website and fill out a new quote form. For example, let’s say you want to compare USAA, Liberty Mutual and GEICO. To find out each rate you need to spend time on each company’s site and enter your information, which is why the first method is more popular.

    For a list of companies in your area, click here.

It doesn’t matter which method you choose, just ensure you are comparing apples-to-apples information for each price quote. If you are comparing differing limits you can’t possibly decipher which rate is best. Even a minor difference in insurance coverages or limits can make a big difference in price. And when comparing insurance coverage rates, know that more quotes helps you find better pricing. Not every company does price estimates online, so it’s recommended that you also compare prices from them as well.

Take policy discounts and save

Some companies don’t list their entire list of discounts very clearly, so the next list breaks down a few of the more well known as well as the least known discounts you could be receiving when you buy auto insurance online.

  • Anti-lock Brake System – Cars with ABS braking systems or traction control can stop better under adverse conditions and will save you 10% or more.
  • Resident Student – Children who live away from home at college and leave their car at home can be insured at a reduced rate.
  • Seat Belts Save more than Lives – Drivers who require all occupants to use a seat belt may be able to save a few bucks on the medical payments or PIP coverage costs.
  • More Vehicles More Savings – Buying a policy with several vehicles on the same insurance policy may reduce the rate for each vehicle.
  • New Car Discount – Putting insurance coverage on a new car can get you a discount because newer models have to meet stringent safety requirements.
  • One Accident Forgiven – This one is not really a discount per se, but certain companies will allow you to have one accident without raising rates if you are claim-free prior to the accident.
  • Senior Discount – Seniors could receive a small discount on rates on Achieva insurance.
  • Auto/Home Discount – If you insure your home and vehicles with the same company you could save approximately 10% to 15%.
  • Safety Course Discount – Successfully completing a safe driver course is a good idea and can lower rates and easily pay for the cost of the class.

Drivers should understand that most discount credits are not given to the entire policy premium. The majority will only reduce specific coverage prices like liability, collision or medical payments. So when the math indicates you can get free auto insurance, companies don’t profit that way. But any discount will cut the cost of your policy.

Some of the insurance companies that may offer quotes with some of the above discounts include:

When comparing rates, check with each company or agent which discounts you may be entitled to. Savings might not be offered in your area. To locate companies offering insurance discounts, click here.

Which policy gives me the best coverage?

When it comes to choosing the right insurance coverage for your vehicles, there really is not a perfect coverage plan. Every situation is different so your insurance needs to address that. These are some specific questions might help in determining if your insurance needs might need professional guidance.

  • Should I get collision insurance on every vehicle?
  • What is no-fault insurance?
  • Is business property covered if stolen from my car?
  • What can I do if my company denied a claim?
  • Do I have coverage when pulling a U-Haul trailer?
  • Should I have combined single limit or split liability limits?
  • Am I better off with higher deductibles on my 1998 Oldsmobile Achieva?
  • Is my vehicle covered by my employer’s policy when using it for work?
  • Are rock chip repairs covered?

If you’re not sure about those questions but you know they apply to you, you may need to chat with a licensed insurance agent. To find an agent in your area, fill out this quick form or you can go here for a list of companies in your area.

Coverage specifics

Knowing the specifics of your insurance policy helps when choosing which coverages you need at the best deductibles and correct limits. The terms used in a policy can be ambiguous and nobody wants to actually read their policy. Shown next are the normal coverages available from insurance companies.

Comprehensive protection – Comprehensive insurance covers damage that is not covered by collision coverage. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for things like falling objects, damage from a tornado or hurricane, hitting a bird and vandalism. The highest amount a insurance company will pay at claim time is the market value of your vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Coverage for liability – This coverage can cover injuries or damage you cause to other’s property or people in an accident. It protects you against other people’s claims. It does not cover damage sustained by your vehicle in an accident.

It consists of 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 values of 50/100/50 that translate to a limit of $50,000 per injured person, a per accident bodily injury limit of $100,000, and a total limit of $50,000 for damage to vehicles and property.

Liability coverage pays for claims such as medical services, bail bonds and repair costs for stationary objects. How much liability should you purchase? That is a personal decision, but buy as much as you can afford.

Uninsured or underinsured coverage – This provides protection from other drivers when they are uninsured or don’t have enough coverage. This coverage pays for injuries to you and your family and also any damage incurred to your Oldsmobile Achieva.

Due to the fact that many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Medical expense coverage – Personal Injury Protection (PIP) and medical payments coverage pay for expenses such as EMT expenses, hospital visits and dental work. 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 all vehicle occupants as well as getting struck while a pedestrian. PIP is not available in all states but it provides additional coverages not offered by medical payments coverage

Collision coverage – This covers damage to your Achieva resulting from colliding with a stationary object or other vehicle. You have to pay a deductible then your collision coverage will kick in.

Collision can pay for things such as sideswiping another vehicle, hitting a parking meter, colliding with another moving vehicle, driving through your garage door and rolling your car. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from older vehicles. You can also raise the deductible to get cheaper collision coverage.

Don’t be a big spender

When you buy auto insurance online, never reduce needed coverages to save money. There are many occasions where drivers have reduced liability limits or collision coverage only to regret at claim time that saving that couple of dollars actually costed them tens of thousands. Your strategy should be to buy enough coverage for the lowest price while still protecting your assets.

In this article, we covered many ideas to save on 1998 Oldsmobile Achieva insurance. The key thing to remember is the more providers you compare, the better your chances of lowering your rates. Drivers may discover the lowest priced car insurance comes from some of the smallest insurance companies. Regional companies can often provide lower rates in certain areas than their larger competitors like Progressive and GEICO.

Even more information is available at these sites: