1999 Oldsmobile LSS Insurance Quotes – 9 Tricks for Cheapest Rates

Price shopping your auto insurance can be frustrating for drivers new to online rate comparisons. There are so many agents and companies to choose from that it can easily be a real difficult job to find cheaper prices.

It’s important to quote other rates before your policy renews because prices fluctuate regularly. Despite the fact that you may have had the lowest quotes for LSS insurance six months ago you can probably find a lower rate today. Forget anything you know (or think you know) about auto insurance because you’re about to find out one of the easiest ways to find the best coverage while lowering your premiums.

Cheap auto insurance rate quotes

To get cheap insurance quotes, there a variety of ways to obtain and compare prices from local auto insurance companies. The recommended way to lower the rate you pay for Oldsmobile LSS insurance is to use the internet to compare rates. It is quite easy and can be accomplished in several different ways.

Experts agree that the best way to get quotes would be an industry-wide quote request form like this one (opens in new window). This quick form prevents you from having to do repetitive form submissions for each price estimate. In just a few minutes this one form gets coverage cost estimates from multiple companies. It’s definitely the quickest method.

A more time consuming way to analyze rates is to manually visit the website for every company you want to comare to request a price quote. For sake of this example, we’ll assume you want to compare prices for State Farm, GEICO and Allstate. To do that, you would have to spend time on each company’s site and enter your information, which can take a lot of time. For a list of links to insurance companies in your area, click here.

The hardest method to quote and compare insurance rates is to waste gas driving to all the different insurance agencies. Buying insurance online eliminates this option unless you’re the type of person who wants the trained guidance that only a licensed agent can provide. However, consumers can get prices online and get advice from an agent in your area.

Whichever way you use, be sure you’re using apples-to-apples quote information for every company. If you are comparing different liability limits it will be very difficult to make a fair rate comparison. Even a minor difference in coverage limits can make a big difference in price. And when price shopping your coverage, having more price comparisons helps you find lower pricing. Some insurance companies are not set up to provide price estimates online, so you need to compare prices from them as well.

Nine discounts for cheap auto insurance rates

Car insurance companies do not advertise every policy discount very well, so below is a list a few of the more well known and the more hidden credits that may apply to you. If you’re not getting every credit possible, you could be getting lower rates.

• Active Military Service – Having a family member in the military could mean lower auto insurance rates.
• Passive Restraint Discount – Factory air bags or automatic seat belts may earn rate discounts as much as 30%.
• Paper-free Discount – A few larger online companies will discount your bill up to fifty bucks for buying a policy and signing up online.
• Professional Memberships – Having an affiliation with certain professional organizations may earn a discount on your next renewal.
• Use Seat Belts – Drivers who always wear seat belts and also require passengers to use their safety belts can save a little off PIP or medical payments premium.
• Life Insurance Discount – Insurance companies who offer life insurance give a lower rate if you buy a life insurance policy as well.
• Government Employees – Federal government employees could qualify for a slight premium decrease for LSS insurance with certain companies.
• Theft Deterent Discount – Cars and trucks optioned with advanced anti-theft systems are stolen with less frequency and therefore earn up to a 10% discount.
• Resident Student – College-age children who are enrolled in a college that is more than 100 miles from home and won’t have access to an insured vehicle can be insured at a reduced rate.

A little disclaimer on discounts, most of the big mark downs will not be given to the overall cost of the policy. Most only apply to specific coverage prices like comprehensive or collision. Just because it seems like you can get free auto insurance, auto insurance companies aren’t that generous.

A list of companies and the discounts they provide can be found below.

• State Farm may include discounts for good student, safe vehicle, student away at school, driver’s education, and anti-theft.
• GEICO may offer discounts for seat belt use, driver training, air bags, anti-theft, emergency military deployment, and good student.
• Progressive offers discounts for online signing, homeowner, multi-policy, online quote discount, multi-vehicle, good student, and continuous coverage.
• 21st Century has discounts for anti-lock brakes, air bags, good student, driver training, early bird, and defensive driver.
• American Family discounts include early bird, good student, multi-vehicle, air bags, and Steer into Savings.
• The Hartford offers discounts including bundle, vehicle fuel type, driver training, defensive driver, air bag, anti-theft, and good student.
• AAA offers premium reductions for multi-car, good student, good driver, pay-in-full, and education and occupation.

When comparing rates, check with all the companies which credits you are entitled to. Some of the discounts discussed earlier may not apply in your area. To view insurers who offer auto insurance discounts, click here.

You may need specialized car insurance coverage

When it comes to choosing proper insurance coverage, there really is not a “best” method to buy coverage. Each situation is unique.

For instance, these questions can aid in determining whether you would benefit from an agent’s advice.

• How much can I save by bundling my policies?
• Do I have coverage for damage caused while driving under the influence?
• Do I need special endorsements for business use of my vehicle?
• Am I covered when renting a car or should I buy coverage from the car rental agency?
• Do I have coverage if my license is suspended?
• Will I lose any money if I cancel my policy before it expires?
• What is the rate difference between pleasure use and commuting?
• Am I covered when driving a rental car?

If you can’t answer these questions, you might consider talking to an insurance agent. To find lower rates from a local agent, take a second and complete this form.

Parts of your insurance policy

Having a good grasp of a insurance policy helps when choosing appropriate coverage for your vehicles. Insurance terms can be ambiguous and reading a policy is terribly boring.

Auto collision coverage

Collision insurance will pay to fix damage to your LSS caused by collision with another car or object. You first must pay a deductible then your collision coverage will kick in.

Collision can pay for claims such as backing into a parked car, colliding with a tree, colliding with another moving vehicle, crashing into a ditch and rolling your car. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. You can also choose a higher deductible to bring the cost down.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance pays for damage that is not covered by collision coverage. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims such as hail damage, damage from getting keyed, a tree branch falling on your vehicle, damage from a tornado or hurricane and damage from flooding. The maximum amount you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle is not worth much consider dropping full coverage.

Insurance for medical payments

Medical payments and Personal Injury Protection insurance kick in for short-term medical expenses such as ambulance fees, pain medications, doctor visits and hospital visits. They are often utilized in addition to your health insurance plan or if you lack health insurance entirely. Medical payments and PIP cover all vehicle occupants and will also cover if you are hit as a while walking down the street. PIP coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Auto liability insurance

This coverage can cover damage or injury you incur to people or other property in an accident. This insurance protects YOU from claims by other people, and doesn’t cover your own vehicle damage or injuries.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show liability limits of 25/50/25 that means you have a limit of $25,000 per injured person, $50,000 for the entire accident, and a total limit of $25,000 for damage to vehicles and property. Some companies may use one limit called combined single limit (CSL) which provides one coverage limit and claims can be made without the split limit restrictions.

Liability insurance covers claims such as court costs, legal defense fees, medical services and medical expenses. How much liability should you purchase? That is a personal decision, but buy as much as you can afford.

Uninsured Motorist or Underinsured Motorist insurance

Your UM/UIM coverage gives you protection when the “other guys” either are underinsured or have no liability coverage at all. This coverage pays for hospital bills for your injuries as well as your vehicle’s damage.

Since many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages should not be overlooked. Frequently these coverages are identical to your policy’s liability coverage.