View 1999 Oldsmobile Intrigue Insurance Rates

Want the cheapest insurance rates for your Oldsmobile Intrigue? Are you sick and tired of not being able to afford to keep your car insured? You are no different than many other consumers.

Due to the abundance of companies and agents to choose from, it can be impossible to locate a lower cost insurance company.

Buying cheaper insurance is simple if you know the tricks. In a nutshell, anyone who carries insurance will be able to find lower rates. Although vehicle owners benefit from understanding how the larger insurance companies market insurance on the web and use this information to your advantage.

The best way to get rate comparisons is to take advantage of the fact all the major auto insurance companies participate in a system to compare rate quotes. The only thing you need to do is give the companies some data including how much school you completed, your credit rating estimate, daily mileage, and if you lease or own. Those rating factors is instantly provided to multiple companies and they return quotes instantly.

Do drivers who switch really save $418 a year?

Big name companies like Progressive, GEICO, Allstate and State Farm seem to constantly run ads on television and other media. They all make the point that you can save after switching your coverage. It sounds good, but how can they all say the same thing? This is the way they can do it.

Insurance companies quote their best rates for the right customer that will most likely be profitable. A good example of a preferred risk might have to be between the ages of 30 and 50, carries full coverage, and drives a safe vehicle. Anyone who matches that profile will most likely get cheap prices and most likely will save when switching.

Insureds who are not a match for this ideal profile may be forced to pay a more expensive rate which results in the customer not buying. If you listen closely, the ads state “people that switch” not “everyone that quotes” will save that much if they switch. That’s why insurance companies can confidently state the savings.

Because of these techniques, it is so important to compare quotes as often as possible. It’s just too difficult to predict the company that will give you lower prices than your current company.

The Oldsmobile Intrigue insurance premium equation

Smart consumers have a good feel for the rating factors that help calculate the rates you pay for insurance coverage. When you know what positively or negatively positively or negatively impacts your premiums, this allows you to make educated decisions that may reward you with lower premium levels.

The following are just a few of the factors companies use to determine your rates.

  • Don’t get traffic citations – Having a clean driving record influences premium rates substantially. Only having one moving violation may increase your cost by as much as twenty percent. Attentive drivers pay less for auto insurance than bad drivers. Drivers who get careless citations like DUI or willful reckless driving are required to submit a SR-22 form to the state department of motor vehicles in order to prevent a license revocation.
  • Cheap rates for being claim-free – Insurance companies award discounts to policyholders who only file infrequent claims. If you are a frequent claim filer, you can look forward to higher premiums or even policy non-renewal. Insurance coverage is meant to be used in the event of claims that you cannot pay yourself.
  • Alarms and GPS tracking lower prices – Choosing a vehicle with a theft deterrent system can save you a little every year. Systems that thwart theives like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all help prevent car theft and help bring rates down.
  • Liability – The liability section of your policy will afford coverage if ever you are determined to be liable for causing damage or personal injury in an accident. Your policy’s liability insurance provides you with a defense in court up to the limits shown on your policy. Carrying liability coverage is mandatory and cheap compared to insuring for physical damage coverage, so drivers should make sure they buy enough to cover all assets.
  • Do you work long hours in a stressful vocation? – Do you work in a high-stress field? Careers such as doctors, architects and emergency personnel generally pay higher premiums than the average policyholder in part from high stress and lots of time spent away from family. On the other hand, occupations like scientists, engineers and retirees get better rates for Intrigue insurance.
  • Consolidate policies with the same company – The majority of insurance coverage companies give discounts for people that buy multiple policies such as combining an auto and homeowners policy. This can amount to five, ten or even twenty percent. Even if you already get this discount, you still need to compare other company rates to make sure you are getting the best deal.
  • Bad credit hurts insurance premiums – A driver’s credit score is a big factor in determining your rates. So if your credit score is lower than you’d like, you could pay less to insure your 1999 Oldsmobile Intrigue by spending a little time repairing your credit. Insureds with high credit ratings tend to be more responsible than drivers who have lower credit scores.

Lower-cost auto insurance quotes with discounts

Insurance can cost an arm and a leg, but you might already qualify for some discounts that could drop your premiums quite a bit. Some discounts will apply at the time you complete a quote, but a few need to be asked for before you get the savings. If you are not receiving all the discounts available, you are just wasting money.

  • Discount for Home Ownership – Owning a home can save a few bucks because maintaining a house means you have a higher level of financial diligence.
  • Sign Early and Save – A few larger companies offer discounts for switching policies prior to the expiration date on your current policy. This discount can save up to 10%.
  • Sign Online – A few larger companies may give you up to $50 get car insurance digitally online.
  • Accident Free – Claim-free drivers are rewarded with significantly better rates on car insurance quote in comparison to drivers with a long claim history.
  • Low Mileage Discounts – Driving less may allow you to get slightly better auto insurancerates than normal.
  • College Student – Children who attend college more than 100 miles from home and don’t have a car could qualify for this discount.
  • Service Members Pay Less – Having a deployed family member could be rewarded with lower premium rates.
  • Driver’s Education for Students – Make teen driver coverage more affordable by requiring them to complete a driver education course as it will make them better drivers and lower rates.
  • Senior Citizens – If you’re over the age of 55, you can get a slight reduction on a car insurance quote for Intrigue insurance.

Please keep in mind that most discount credits are not given to your bottom line cost. A few only apply to the price of certain insurance coverages like comprehensive or collision. Even though it may seem like it’s possible to get free car insurance, companies wouldn’t make money that way. But all discounts will help lower your policy cost.

A few popular companies and some of the discounts are detailed below.

  • Progressive has savings for online signing, multi-vehicle, good student, homeowner, multi-policy, continuous coverage, and online quote discount.
  • The Hartford may have discounts that include good student, anti-theft, air bag, bundle, and driver training.
  • Mercury Insurance has discounts for age of vehicle, multi-policy, multi-car, anti-theft, and ease of repair.
  • GEICO includes discounts for five-year accident-free, air bags, defensive driver, good student, and membership and employees.
  • AAA offers premium reductions for anti-theft, good student, multi-car, good driver, and pay-in-full.
  • State Farm discounts include driver’s education, defensive driving training, good driver, multiple autos, safe vehicle, Drive Safe & Save, and multiple policy.

Before purchasing a policy, check with every prospective company the best way to save money. Some of the discounts discussed earlier may not apply to policyholders in your area. To view insurers offering auto insurance discounts, follow this link.

Tailor your auto insurance coverage to you

When it comes to buying adequate coverage for your personal vehicles, there really is no “perfect” insurance plan. Everyone’s situation is a little different so this has to be addressed. For example, these questions can help discover if your situation will benefit from professional help.

  • Will my insurance pay for OEM parts?
  • Is upholstery damage covered by car insurance?
  • Do I have coverage when using my vehicle for my home business?
  • Should I bundle my homeowners policy with my auto?
  • Can I make deliveries for my home business?
  • Do I need replacement cost coverage on my 1999 Oldsmobile Intrigue?
  • Why do I only qualify for high-risk insurance?
  • Does my insurance cover a custom paint job?

If you’re not sure about those questions but you think they might apply to your situation, you might consider talking to a licensed agent. If you don’t have a local agent, simply complete this short form or you can also visit this page to select a carrier

Insurance policy coverages for an Oldsmobile Intrigue

Understanding the coverages of your insurance policy can help you determine the best coverages and proper limits and deductibles. Insurance terms can be confusing and nobody wants to actually read their policy. Listed below are typical coverage types found on most insurance policies.

Medical costs insurance – Coverage for medical payments and/or PIP kick in for expenses for EMT expenses, X-ray expenses, pain medications and dental work. They are used to fill the gap from your health insurance policy or if you are not covered by health insurance. It covers not only the driver but also the vehicle occupants as well as if you are hit as a while walking down the street. PIP coverage is not universally available and may carry a deductible

Collision coverages – Collision insurance pays for damage to your Intrigue resulting from a collision with another car or object. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage protects against claims such as damaging your car on a curb, sustaining damage from a pot hole and driving through your garage door. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from older vehicles. You can also choose a higher deductible to get cheaper collision coverage.

Auto liability insurance – This protects you from damage that occurs to other people or property in an accident. It protects YOU from claims by other people. Liability doesn’t cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. As an example, you may have liability limits of 100/300/100 which stand for a limit of $100,000 per injured person, a limit of $300,000 in injury protection per accident, and a limit of $100,000 paid for damaged property. Occasionally you may see a combined single limit or CSL that pays claims from the same limit without having the split limit caps.

Liability coverage protects against things such as emergency aid, medical expenses, medical services and structural damage. How much liability should you purchase? That is up to you, but it’s cheap coverage so purchase as high a limit as you can afford.

UM/UIM Coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle from other drivers when they do not carry enough liability coverage. This coverage pays for hospital bills for your injuries and also any damage incurred to your Oldsmobile Intrigue.

Due to the fact that many drivers have only the minimum liability required by law, their limits can quickly be used up. This is the reason having UM/UIM coverage is important protection for you and your family. Most of the time these limits are similar to your liability insurance amounts.

Comprehensive or Other Than Collision – Comprehensive insurance covers damage that is not covered by collision coverage. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage pays for things such as damage from a tornado or hurricane, hitting a bird, damage from flooding, a tree branch falling on your vehicle and a broken windshield. 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 probably time to drop comprehensive insurance.

More effort can pay off

As you quote car insurance, make sure you don’t buy poor coverage just to save money. There are many occasions where someone dropped uninsured motorist or liability limits to discover at claim time that the small savings ended up costing them much more. Your objective should be to get the best coverage possible at the best price, but don’t skip important coverages to save money.

You just learned a lot of ways to compare 1999 Oldsmobile Intrigue insurance premium rates online. The most important thing to understand is the more companies you get prices for, the better your chances of lowering your prices. You may even discover the lowest premium rates come from the smaller companies. These companies often have lower prices on specific markets compared to the large companies like State Farm, GEICO and Nationwide.

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