Cheaper 2001 Oldsmobile Bravada Insurance Quotes

No normal person is fond of buying insurance, especially when they are aware that the cost is way too high. Multiple insurance companies compete for your insurance dollar, so it’s not easy to compare every company to find the best price available.

If you have a policy now or are looking for a new policy, you will benefit by learning to find better prices and still get good coverage. Choosing the best insurance company for you is easy if you know what you’re doing. Vehicle owners just need to understand the proper way to compare prices over the internet.

How to get cheap car insurance

Effectively comparing car insurance prices can take hours if you aren’t aware of the easiest way. You could waste a few hours driving to insurance agencies in your area, or you could use the web to get rates in a matter of minutes.

The majority of car insurance companies take part in a program that enables customers to enter their policy data once, and each participating company can give them a price based on that data. This prevents consumers from doing quotation requests for every car insurance company.

To participate in this free quote system, click here to open in new window.

The one disadvantage to comparing rates this way is you can’t choose which companies to get pricing from. So if you prefer to choose from a list of companies to compare prices, we have a page of car insurance companies in your area. Click to view list.

You can choose any of those ways to find more affodable coverage, but ensure you are comparing exactly the same coverages and limits on every quote you get. If the quotes have unequal deductibles or liability limits it will be impossible to decipher which rate is best.

Learn how to lower your insurance rates

Lots of factors are used in the calculation when pricing auto insurance. A few of the factors are predictable such as your driving record, but some are less apparent such as your marital status or your vehicle rating.

The itemized list below are some of the factors that factor into rates.

  • Extra coverages can cost a lot – Insurance policies have a lot of additional coverages that you can buy if you don’t pay attention. Insurance for things like coverage for rental cars, towing coverage, and extra life insurance coverage are examples of these. The coverages may be enticing when talking to your agent, but if you don’t need them remove them from your policy.
  • Theft deterrents lower insurance coverage rates – Selecting a car model with an alarm system can save you some money. Advanced theft deterrents like OnStar found on GM vehicles, advanced tracking like LoJack, and vehicle immobilization systems can thwart auto theft and help lower rates.
  • Where do you drive? – Driving more miles each year the higher your rate. Most insurance companies calculate rates based upon how much you drive. Cars and trucks left parked in the garage qualify for better rates than vehicles that are driven to work every day. An improperly rated Bravada can result in significantly higher rates. It’s always a good idea to double check that your insurance coverage declarations sheet states the correct driver usage.
  • Do you really need to file that policy claims? – Insurance companies provide cheaper rates to insureds who only file infrequent claims. If you are a frequent claim filer, you can expect higher premiums or even policy non-renewal. Your car insurance is meant to be used in the event of major claims that would cause financial hardship.
  • Rates may be higher where you live – Choosing to live in a rural area can be a good thing if you are looking for the lowest rates. Lower population means reduced accidents and lower theft and vandalism rates. Residents of big cities tend to have more aggressive driving styles and more time behind the wheel. More time behind the wheel means a statistically higher chance of an accident.
  • High deductibles cost less – Physical damage insurance, termed comprehensive and collision coverage on your policy, is used to repair damage to your Oldsmobile. Examples of some claims that would be covered are colliding with a building, hail damage, and rolling your vehicle. The deductibles define how much you are willing to pay out-of-pocket before a claim is paid by your company. The more of the claim the insured has to pay upfront, the lower your rates will be for Bravada coverage.
  • Gaps in coverage mean higher premiums – Going without insurance is a guaranteed way to drive up your policy premiums. Not only will rates go up, failure to provide proof of insurance might get you fines and jail time. Then you may be required to provide proof of insurance in the form of an SR-22 filing with your state department of motor vehicles.

Take advantage of every car insurance discount

Some providers don’t list the entire discount list in an easy-to-find place, so below is a list both the well known as well as the least known credits available to bring down your rates.

  • New Vehicle Savings – Buying a new car model can cost up to 25% less due to better safety requirements for new vehicles.
  • Anti-lock Brakes – Cars and trucks with ABS and/or traction control can stop better under adverse conditions so companies give up to a 10% discount.
  • Membership in Organizations – Having an affiliation with a civic or occupational organization could earn you a nice discount on car insurance.
  • Service Members Pay Less – Being on active duty in the military could be rewarded with lower prices.
  • Discounts for Multiple Vehicles – Buying a policy with several vehicles with one company may reduce the rate for each vehicle.
  • Smart Student Discounts – This discount can earn a discount of 20% or more. Many companies even apply the discount to college students well after school through age 25.
  • Driver Education Discount – Cut your cost by having your teen driver enroll and complete driver’s education as it will make them better drivers and lower rates.
  • Own a Home – Being a homeowner may earn you a small savings because of the fact that having a home is proof that your finances are in order.
  • Drive Less and Save – Driving less can qualify you for better car insurancerates on cars that stay parked.
  • 55 and Retired – Drivers over the age of 55 may be able to get a discount up to 10% for Bravada coverage.

While discounts sound great, it’s important to understand that most discount credits are not given to your bottom line cost. Most only cut specific coverage prices like liability, collision or medical payments. So even though they make it sound like all the discounts add up to a free policy, that’s just not realistic.

Larger car insurance companies and their offered discounts are outlined below.

  • GEICO has savings for air bags, anti-lock brakes, emergency military deployment, driver training, five-year accident-free, multi-policy, and federal employee.
  • SAFECO includes discounts for safe driver, teen safe driver, homeowner, multi-car, anti-theft, anti-lock brakes, and drive less.
  • State Farm may offer discounts for defensive driving training, multiple policy, good student, multiple autos, driver’s education, Steer Clear safe driver discount, and anti-theft.
  • MetLife offers discounts for good driver, defensive driver, multi-policy, claim-free, good student, accident-free
  • 21st Century has discounts for theft prevention, defensive driver, student driver, 55 and older, and good student.
  • Progressive policyholders can earn discounts including homeowner, multi-vehicle, online signing, multi-policy, good student, continuous coverage, and online quote discount.

When getting a coverage quote, ask each insurance company the best way to save money. A few discounts may not be available in every state. To locate companies with discount car insurance rates, click this link.

How to know if you need help

When it comes to choosing the best insurance coverage, there isn’t really a perfect coverage plan. Everyone’s needs are different so your insurance needs to address that. Here are some questions about coverages that could help you determine whether or not you would benefit from an agent’s advice.

  • Is upholstery damage covered by car insurance?
  • I have a DUI can I still get coverage?
  • Do I have coverage when making deliveries for my home business?
  • Is my teenager covered with friends in the car?
  • I have good health insurance, so how much medical payments coverage do I need?
  • Should I waive the damage coverage when renting a car?

If it’s difficult to answer those questions, you might consider talking to a licensed insurance agent. To find lower rates from a local agent, take a second and complete this form or you can go here for a list of companies in your area. It’s fast, doesn’t cost anything and can help protect your family.

Auto insurance specifics

Understanding the coverages of your auto insurance policy can help you determine the right coverages for your vehicles. The coverage terms in a policy can be confusing and coverage can change by endorsement. These are typical coverage types available from auto insurance companies.

Collision protection

Collision insurance covers damage to your Bravada from colliding with another vehicle or an object, but not an animal. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims like damaging your car on a curb, crashing into a ditch and scraping a guard rail. Collision is rather expensive coverage, so consider removing coverage from lower value vehicles. Another option is to increase the deductible to bring the cost down.

Medical expense insurance

Medical payments and Personal Injury Protection insurance reimburse you for immediate expenses like dental work, nursing services, surgery, ambulance fees and rehabilitation expenses. They are used to fill the gap from your health insurance plan or if there is no health insurance coverage. It covers not only the driver but also the vehicle occupants as well as any family member struck as a pedestrian. PIP is only offered in select states and may carry a deductible

Comprehensive (Other than Collision)

This pays for damage from a wide range of events other than collision. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims like a broken windshield, vandalism, falling objects, rock chips in glass and hitting a bird. The most your auto insurance company will pay is the ACV or actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Liability car insurance

This can cover damage that occurs to other’s property or people in an accident. It protects YOU against claims from other people, and doesn’t cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show values of 25/50/25 that translate to $25,000 bodily injury coverage, a total of $50,000 of bodily injury coverage per accident, and a total limit of $25,000 for damage to vehicles and property. Alternatively, you may have one number which is a combined single limit which provides one coverage limit with no separate limits for injury or property damage.

Liability insurance covers things such as repair bills for other people’s vehicles, pain and suffering and loss of income. How much coverage you buy is up to you, but it’s cheap coverage so purchase as much as you can afford.

Protection from uninsured/underinsured drivers

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 medical payments for you and your occupants as well as your vehicle’s damage.

Since many drivers have only the minimum liability required by law, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Frequently these limits are identical to your policy’s liability coverage.

A penny earned…

We’ve covered quite a bit of information on how to get a better price on 2001 Oldsmobile Bravada insurance. It’s most important to understand that the more quotes you get, the higher your chance of finding cheaper auto insurance. You may be surprised to find that the most savings is with a smaller regional carrier. Regional companies may have significantly lower rates on certain market segments as compared to the big name companies such as State Farm, GEICO and Nationwide.

While you’re price shopping online, it’s not a good idea to skimp on coverage in order to save money. In many cases, an insured cut liability coverage limits to discover at claim time that their decision to reduce coverage ended up costing them more. Your goal should be to buy enough coverage at the lowest possible cost, but do not sacrifice coverage to save money.

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