2000 Oldsmobile Intrigue Car Insurance Quotes

Want the cheapest insurance coverage rates? Drivers have a choice when trying to find the best price on Oldsmobile Intrigue insurance. You can either waste hours struggling with agents trying to get quotes or use the internet to find the lowest rates.

There is a better way to find insurance coverage online and you need to know the best way to price shop coverage for your Oldsmobile and find the cheapest rates from local insurance agents and online providers.

Smart consumers take time to compare premium rates at least once a year since prices fluctuate regularly. Even if you got the best deal for Intrigue insurance at your last renewal you can probably find a better premium rate now. Forget all the misinformation about insurance coverage because you’re about to learn one of the easiest ways to remove unneeded coverages and save money.

Affordable insurance quotes

There are a lot of ways you can shop for insurance and some are less labor-intensive and much quicker. You can spend your afternoon driving to local insurance agents in your area, or you can utilize the web to get the quickest rates.

Many insurance companies participate in an industry program that enables customers to only type in their quote data once, and each participating company returns a competitive quote determined by their information. This eliminates the need for quotation requests to each individual insurance company. To enter your information into the quoting system, click here to open in new window.

The only drawback to getting quotes like this is that you can’t choose which companies to get pricing from. If you would rather choose specific insurance companies for rate comparison, we have assembled a list of the cheapest insurance companies in your area. View list of insurance companies.

The approach you take is up to you, just make sure you use identical coverage limits and deductibles for each price quote. If you use different limits and deductibles on each one it’s not possible to make a fair rate comparison.

Insurance coverage companies are expert advertisers

Consumers can’t get away from all the ads that promise big savings for switching by companies like State Farm and Allstate. They all tend to make the same promise that people will save if you get a free insurance quote and switch your policy.

How do they all give you a lower rate? Just pay attention to how they say it.

Insurance companies can use profiling for the right customer that will not have excessive claims. For example, a driver they prefer might be described as over the age of 50, has no driving citations, and drives a vehicle with a low ISO rating. Anyone who fits that profile receives the best rates and therefore will save when they switch companies.

Drivers who may not quite match this ideal profile will see higher premiums and business not being written. If you listen closely, the ads state “people who switch” not “everyone who quotes” save money. That’s why insurance companies can advertise the way they do.

This really drives home the point why you really need to do a price quote comparison at every renewal. Because you cannot predict the company that will provide you with the cheapest car insurance rates.

Seven factors that influence insurance premiums

Consumers need to have an understanding of some of the factors that help calculate the price you pay for insurance. If you have some idea of what positively or negatively impacts your premiums, this allows you to make good choices that can earn you cheaper rates. Lots of factors are considered when premium rates are determined. Some are pretty understandable such as your driving history, but other factors are more obscure such as your marital status or how safe your car is.

The following are just a few of the factors used by companies to determine your prices.

  • When should you not file a policy claims? – If you tend to file frequent claims, you can definitely plan on increased rates or even have your policy non-renewed. Insurance companies provide most affordable rates to drivers that do not abuse their auto insurance. Your car insurance is meant to be used in the event of major claims that would cause financial hardship.
  • Marriage is a factor – Having a significant other helps lower the price compared to being single. Marriage demonstrates that you tend to be more mature than a single person and insurance companies like that married drivers tend to file fewer claims.
  • Amount of liability – The liability section of your policy will afford coverage if you are found to be at fault for damages from an accident. Liability insurance provides legal defense coverage starting from day one. Carrying liability coverage is mandatory and cheap as compared to coverage for physical damage, so buy as much as you can afford.
  • Poor credit decisions can cost you – Having a good credit score will be a significant factor in determining what you pay for insurance. If your credit rating can be improved, you could potentially save money when insuring your 2000 Oldsmobile Intrigue by repairing your credit. Drivers who have high credit ratings tend to be better risks to insure than drivers with poor credit scores.
  • Occupation and insurance insurance rates – Did you know your job can affect your rates? Jobs like fire fighters, business owners and miners tend to pay higher rates than average in part from high stress and incredibly demanding work hours. On the flip side, professions such as actors, historians and retirees have lower than average premiums for Intrigue insurance.
  • Never let your insurance policy lapse – Having an insurance coverage lapse will be a guaranteed way to trigger a rate increase. And not only will your rates increase, failure to provide proof of insurance might get you a hefty fine and possibly a revoked license. You could then be forced to prove you have insurance by filing a SR-22 with your state motor vehicle department.
  • Cheaper rates using alarm systems – Choosing a vehicle with anti-theft technology or alarm system can help lower your rates. Theft deterrent systems such as GM’s OnStar, tamper alarm systems and vehicle immobilizers can thwart auto theft.

Auto insurance discounts are available to slash your rates

Car insurance is not cheap, but discounts can save money and there are some available that can drop the cost substantially. Many of these discounts will be applied automatically at the time you complete a quote, but a few need to be asked for before you get the savings. If they aren’t giving you every credit possible, you could be saving more on your auto insurance.

  • Driver’s Ed – Reduce the cost of insurance for teen drivers by having them enroll in driver’s education if offered at their school.
  • College Student – Youth drivers who are enrolled in higher education away from home and don’t have a car could qualify for this discount.
  • Good Students Pay Less – Maintaining excellent grades can be rewarded with saving of up to 25%. The good student discount can last up until you turn 25.
  • No Claim Discounts – Drivers with accident-free driving histories have much lower rates in comparison with bad drivers.
  • Early Renewal Discounts – Some auto insurance companies provide a discount for signing up prior to the expiration date on your current policy. This can save 10% or more.

One thing to note about discounts is that most credits do not apply to all coverage premiums. Most only cut the cost of specific coverages such as liability and collision coverage. So even though you would think all those discounts means the company will pay you, nobody gets a free ride.

Some companies that may offer many of the previously listed discounts include:

When getting free insurance quotes, it’s a good idea to every insurance company which credits you are entitled to. Some discounts may not apply to policyholders in every state. If you would like to choose from a list of providers that offer some of these discounts, click this link.

Everyone needs different insurance coverages

When choosing adequate coverage, there isn’t really a cookie cutter policy. Everyone’s situation is a little different.

For instance, these questions can help discover if your insurance needs would benefit from professional advice.

  • Do I benefit by insuring my home with the same company?
  • Why do I only qualify for high-risk insurance?
  • Should I sign the liability waiver when renting a car?
  • When should I drop full coverage on my 2000 Oldsmobile Intrigue?
  • Does my medical payments coverage pay my health insurance deductible?
  • I have a DUI can I still get coverage?

If it’s difficult to answer those questions but a few of them apply then you might want to talk to an insurance agent. If you want to speak to an agent in your area, fill out this quick form. It is quick, free and can provide invaluable advice.

Insurance specifics

Understanding the coverages of your insurance policy can help you determine which coverages you need and the correct deductibles and limits. Insurance terms can be ambiguous and nobody wants to actually read their policy.

Medical expense insurance

Medical payments and Personal Injury Protection insurance kick in for immediate expenses such as surgery, X-ray expenses, hospital visits and chiropractic care. The coverages can be used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover all vehicle occupants in addition to getting struck while a pedestrian. PIP coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Protection from uninsured/underinsured drivers

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other motorists when they are uninsured or don’t have enough coverage. This coverage pays for hospital bills for your injuries as well as your vehicle’s damage.

Since many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is important protection for you and your family. Normally these coverages are similar to your liability insurance amounts.

Comprehensive (Other than Collision)

This coverage covers damage from a wide range of events other than collision. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims like hitting a bird, damage from flooding and a broken windshield. The most a insurance company will pay at claim time is the cash value of the vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

Liability

Liability coverage can cover injuries or damage you cause to other people or property by causing an accident. It protects you from claims by other people. It does not cover your injuries or vehicle damage.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have limits of 25/50/25 which stand for $25,000 in coverage for each person’s injuries, a limit of $50,000 in injury protection per accident, and property damage coverage for $25,000. Some companies may use a combined limit which limits claims to one amount without having the split limit caps.

Liability coverage pays for things like medical expenses, bail bonds, repair bills for other people’s vehicles, legal defense fees and emergency aid. How much liability should you purchase? That is a personal decision, but you should buy higher limits if possible.

Coverage for collisions

Collision insurance covers damage to your Intrigue from colliding with another car or object. You have to pay a deductible then your collision coverage will kick in.

Collision insurance covers things like crashing into a ditch, damaging your car on a curb, sustaining damage from a pot hole, sideswiping another vehicle and backing into a parked car. Paying for collision coverage can be pricey, so consider removing coverage from older vehicles. It’s also possible to bump up the deductible to get cheaper collision coverage.

Smart shoppers get results

Consumers leave their current company for many reasons like high rates after DUI convictions, extreme rates for teen drivers, poor customer service or even questionable increases in premium. Regardless of your reason for switching companies, finding a new auto insurance company is actually quite simple.

You just read some good ideas how you can reduce 2000 Oldsmobile Intrigue insurance rates online. The key thing to remember is the more rate comparisons you have, the better your chances of lowering your car insurance rates. You may even find the lowest priced auto insurance comes from a small local company.

When shopping online for auto insurance, make sure you don’t skimp on coverage in order to save money. In many cases, an insured cut collision coverage and found out when filing a claim that the small savings ended up costing them much more. Your objective should be to buy a smart amount of coverage at the lowest possible cost and still be able to protect your assets.

More detailed auto insurance information can be read in these articles: