Lower Your 1998 Oldsmobile Intrigue Insurance Rates

Looking for lower insurance rates for your Oldsmobile Intrigue? Finding low-cost insurance for a new or used Oldsmobile Intrigue can normally be a painful process, but you can follow a few tricks and make it easy. There is a right way and a wrong way to shop for insurance and we’ll show you the best way to compare rates for a new or used Oldsmobile and locate the best price possible.

It is always a good idea to do price comparisons periodically because rates change quite often. If you had the lowest rate on Intrigue coverage last year there may be better deals available now. Forget anything you know (or think you know) about insurance because I’m going to let you in on the secrets to the things you must know in order to eliminate unnecessary coverages and save money.

Buying car insurance is not rocket science. If you have insurance now or need a new policy, you can use this information to shop for the lowest rates and possibly find even better coverage. Drivers just need to know the tricks to compare company rates online.

How to get free insurance coverage quotes online

Most companies allow consumers to get pricing on the web. Getting quotes is fairly simple because you just enter the amount of coverage you want as requested by the quote form. After you complete the form, the company’s rating system automatically retrieves your driving and credit reports and quotes a price based on these factors.

Being able to quote online helps simplify price comparisons, but the work required to visit a lot of sites and enter the same data into a form gets old quite quickly. But it is imperative to compare as many rates as possible in order to get the lowest price.

The better way to compare rates

The preferred way to find lower prices uses one simple form that gets price quotes from a lot of companies. This type of form saves time, eliminates form submissions, and makes comparison shopping much easier. As soon as the form is sent, it is quoted with multiple companies and you can pick your choice of the resulting price quotes. If a lower price is quoted, it’s easy to complete the application and buy the policy. This process takes 15 minutes at the most and you’ll know if lower rates are available.

In order to get comparison pricing now, click here to open in a new tab and input your coverage information. To compare your current rates, we recommend you duplicate the limits and deductibles just like they are on your policy. Doing this guarantees you will get a rate comparison for the exact same coverage.

Drivers can save with these discounts

Buying auto insurance is not cheap, but you may qualify for discounts that you may not even be aware of. Certain credits will be shown at the time of quoting, but occassionally some discounts must be specially asked for in order for you to get them.

  • Professional Organizations – Having an affiliation with a qualifying organization is a simple method to lower premiums on your next renewal.
  • Low Mileage – Keeping the miles down on your Oldsmobile could qualify for lower premium rates due to less chance of an accident.
  • Accident-Free Discounts – Insureds who avoid accidents and claims are rewarded with significantly better rates on car insurance quote as compared to drivers with a long claim history.
  • Distant Student – College-age children who are enrolled in a college that is more than 100 miles from home and leave their car at home may be insured at a cheaper rate.
  • Braking Control Discount – Cars and trucks with ABS braking systems or traction control can stop better under adverse conditions and the ABS can save up to 10%.
  • New Vehicle Savings – Buying a new car model can get you a discount compared to insuring an older model.
  • One Accident Forgiven – but some insurance companies may permit one accident before raising your premiums as long as you don’t have any claims prior to the accident.

Remember that many deductions do not apply to your bottom line cost. A few only apply to the price of certain insurance coverages like liability, collision or medical payments. So even though you would think all those discounts means the company will pay you, it’s just not the way it works.

Some companies that may have these discounts include:

Before you buy a policy, ask each company which discounts they offer. Some discounts listed above might not be offered in your area. If you would like to view insurers that offer many of these discounts, click here to view.

Special considerations

When buying the right insurance coverage for your personal vehicles, there is no best way to insure your cars. Everyone’s needs are different.

For example, these questions could help you determine if your situation would benefit from professional advice.

  • Do I really need UM/UIM coverage?
  • Can I drive in Mexico and have coverage?
  • Should I bundle my homeowners policy with my auto?
  • Do I have newly-aquired coverage?
  • Am I getting all the discounts available?
  • What if I don’t agree with a claim settlement offer?
  • How can I get high-risk coverage after a DUI?
  • How much liability do I need to cover my assets?
  • Does my policy cover me when driving someone else’s vehicle?
  • Is a blown tire covered by insurance?

If it’s difficult to answer those questions but you know they apply to you, then you may want to think about talking to a licensed agent. If you want to speak to an agent in your area, complete this form. It’s fast, doesn’t cost anything and you can get the answers you need.

Car insurance coverage considerations

Learning about specific coverages of a car insurance policy can be of help when determining which coverages you need and proper limits and deductibles. Car insurance terms can be impossible to understand and reading a policy is terribly boring.

Comprehensive coverage – Comprehensive insurance coverage pays for damage OTHER than collision with another vehicle or object. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage protects against things like damage from a tornado or hurricane, damage from getting keyed, hail damage and a broken windshield. The highest amount your car insurance company will pay is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Collision coverages – This coverage pays for damage to your Intrigue resulting from colliding with an object or car. You first must pay a deductible and then insurance will cover the remainder.

Collision insurance covers claims such as hitting a parking meter, hitting a mailbox, sustaining damage from a pot hole and colliding with a tree. This coverage can be expensive, so consider removing coverage from lower value vehicles. Drivers also have the option to raise the deductible to get cheaper collision coverage.

Uninsured/Underinsured Motorist coverage – Uninsured or Underinsured Motorist coverage provides protection when other motorists either have no liability insurance or not enough. Covered claims include injuries to you and your family as well as damage to your Oldsmobile Intrigue.

Since many drivers carry very low liability coverage limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Liability insurance – Liability insurance provides protection from damage that occurs to a person or their property in an accident. It protects YOU against claims from other people, and does not provide coverage for your own vehicle damage or injuries.

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 50/100/50 which means a limit of $50,000 per injured person, a total of $100,000 of bodily injury coverage per accident, and $50,000 of coverage for damaged propery.

Liability can pay for things like medical services, legal defense fees, bail bonds, court costs and medical expenses. How much coverage you buy is a decision to put some thought into, but consider buying as large an amount as possible.

Medical payments coverage and PIP – Medical payments and Personal Injury Protection insurance pay for bills such as nursing services, ambulance fees and chiropractic care. They can be utilized in addition to your health insurance plan or if you lack health insurance entirely. It covers you and your occupants and will also cover any family member struck as a pedestrian. PIP is not an option in every state but it provides additional coverages not offered by medical payments coverage