Cheaper 2001 Oldsmobile Intrigue Insurance Rates

Searching for cheaper insurance coverage rates for your Oldsmobile Intrigue? No car owner likes having to buy insurance coverage, in particular when they are paying too much.

Due to the large number of options when it comes to insurance coverage, it can be diffult for drivers to pick the most affordable company.

Compare insurance coverage rates

When shopping for affordable car insurance quotes, there are a couple of ways to obtain and compare prices from many insurance coverage companies in your state. The best method to compare 2001 Oldsmobile Intrigue insurance prices is to jump online and get quotes. This is quite simple and can be completed in a couple of different ways.

  • If you’re in a hurry, the quickest way to find the lowest comparison rates is an all-inclusive rate comparison click to view form in new window. This type of form keeps you from doing separate forms to each individual insurance coverage company. One quote request gets rate comparisons from multiple low-cost companies.
  • A harder way to find lower rates is spending the time to visit the website for every company you want to comare and request a quote. For examples sake, let’s say you want to view quotes from State Farm, Farmers and Liberty Mutual. In order to get each rate, you would have to spend time on each company’s site and repeatedly type in your coverage information, which can get rather old.

    For a list of companies in your area, click here.

  • The least efficient way of getting rate comparisons to local insurance agencies. The ability to buy insurance online makes this process obsolete unless you want the extra assistance of a local agent. Some companies do allow you to comparison shop online but purchase the actual policy in an agency.

It’s up to you how you get prices quotes, just do your best to enter exactly the same deductibles and coverage limits on every quote you get. If each company quotes unequal deductibles or liability limits then you won’t be able to determine the lowest rate for your Oldsmobile Intrigue. Quoting even small variations in insurance coverages may result in a large different in cost. Just remember that quoting more helps locate better pricing. Some regional insurers cannot provide prices over the internet, so you need to compare quotes from them, too.

Take advantage of every insurance discount

Some insurance providers don’t always advertise the complete list of policy discounts in an easy-to-find place, so the list below contains a few of the more well known and also the more inconspicuous discounts that you can inquire about if you buy car insurance online. If you don’t get every credit possible, you are paying more than you should be.

  • First Accident Forgiveness – This one is not really a discount per se, but some companies like Allstate and Progressive will forgive one accident before your rates go up as long as you don’t have any claims prior to being involved in the accident.
  • Driver’s Education for Students – Require your teen driver to participate in a local driver’s education class in high school.
  • Senior Citizen Rates – If you qualify as a senior citizen, you may qualify for reduced rates on Intrigue insurance.
  • College Student Discount – Kids who live away from home at college and leave their car at home can receive lower rates.
  • Passive Restraints and Air Bags – Vehicles equipped with air bags or automatic seat belts could see savings up to 30%.
  • Fewer Miles Equal More Savings – Driving less can earn lower rates due to less chance of an accident.
  • Bundled Policy Discount – When you combine your auto and homeowners insurance with one insurance company you may save up to 20% and get you affordable car insurance.

As a sidenote, many deductions do not apply to the overall cost of the policy. Most only reduce specific coverage prices like physical damage coverage or medical payments. Even though the math looks like you would end up receiving a 100% discount, you’re out of luck. But any discount will definitely reduce your overall bill.

Companies and some of the premium reductions they offer are shown below.

  • State Farm includes discounts for driver’s education, Steer Clear safe driver discount, passive restraint, anti-theft, Drive Safe & Save, and multiple policy.
  • Progressive offers discounts including online signing, homeowner, online quote discount, continuous coverage, and good student.
  • Travelers offers premium reductions for continuous insurance, payment discounts, good student, multi-car, hybrid/electric vehicle, and driver training.
  • American Family has savings for air bags, mySafetyValet, Steer into Savings, early bird, and defensive driver.
  • Liberty Mutual offers discounts for multi-policy, newly retired, teen driver discount, hybrid vehicle, new vehicle discount, and newly married.

If you want cheaper car insurance quotes, ask each company to apply every possible discount. Some of the discounts discussed earlier may not be offered in your area.

How to know if you need help

When choosing the best insurance coverage coverage for your vehicles, there really is not a “best” method to buy coverage. Everyone’s situation is unique so your insurance should reflect that These are some specific questions might point out whether you could use an agent’s help.

  • Does my policy cover my teen driver if they drive my company car?
  • I have good health insurance, so how much medical payments coverage do I need?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • How much underlying liability do I need for an umbrella policy?
  • Should I buy only the required minimum liability coverage?
  • What should my uninsured motorist coverage limits be in my state?
  • Do I need PIP coverage since I have good health insurance?
  • What happens if I owe more than my 2001 Oldsmobile Intrigue is worth?

If you don’t know the answers to these questions but one or more may apply to you then you might want to talk to an agent. If you don’t have a local agent, take a second and complete this form or click here for a list of insurance coverage companies in your area.

How to lower your insurance costs

Many things are used when you get your auto insurance bill. Some of the criteria are obvious like your driving record, but others are less obvious like where you live or your financial responsibility.A large part of saving on car insurance is knowing the factors that go into determining the level of your policy premiums. If you have some idea of what determines base rates, this helps enable you to make changes that could help you find cheaper rates.

The itemized list below are a few of the “ingredients” companies use to determine rates.

  • Frequent car insurance claims increase rates – Car insurance companies give most affordable rates to insureds who are not frequent claim filers. If you tend to file frequent claims, you can expect either a policy non-renewal or much higher rates. Your insurance policy is intended to be relied upon for larger claims.
  • Men drivers tend to cost more – Over the last 30 years, statistics show women are more cautious behind the wheel. It does not mean men are worse drivers. Both genders are in at-fault accidents at a similar rate, but the male of the species tend to have more serious accidents. Men also get cited for more serious violations like DWI (DUI) or reckless driving. Males from age 16 to 21 are the most expensive to insure and therefore are the most expensive to insure.
  • Marriage can save you money – Walking down the aisle may save some money compared to being single. Marriage usually means you are more stable financially and insurance companies like that married drivers tend to file fewer claims.
  • Eliminate unneeded add-on coverages – There are a lot of extra add-on coverages that you can buy on your Intrigue policy. Insurance for things like rental car reimbursement, better glass coverage, and membership fees may be wasting your money. They may seem like a good idea when talking to your agent, but your money might be better spent on other coverage so eliminate the coverages to reduce your premium.
  • Never let your car insurance policy lapse – Driving with no insurance is against the law and car insurance companies will penalize you for letting your coverage lapse. In addition to paying higher premiums, not being able to provide proof of insurance can result in fines and jail time.

What insurance coverages do you need?

Learning about specific coverages of your policy can be of help when determining which coverages you need at the best deductibles and correct limits. The coverage terms in a policy can be confusing and coverage can change by endorsement. Below you’ll find the normal coverages found on most insurance policies.

Liability insurance

Liability coverage protects you from damages or injuries you inflict on other people or property by causing an accident. It protects YOU against other people’s claims, and doesn’t cover damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You commonly see liability limits of 25/50/25 that means you have a limit of $25,000 per injured person, a total of $50,000 of bodily injury coverage per accident, and a limit of $25,000 paid for damaged property.

Liability can pay for claims like repair bills for other people’s vehicles, structural damage, bail bonds, legal defense fees and funeral expenses. How much liability coverage do you need? That is your choice, but you should buy as large an amount as possible.

Medical costs insurance

Coverage for medical payments and/or PIP reimburse you for short-term medical expenses such as hospital visits, X-ray expenses, EMT expenses and surgery. The coverages can be used to fill the gap from your health insurance plan or if you lack health insurance entirely. It covers not only the driver but also the vehicle occupants in addition to any family member struck as a pedestrian. Personal Injury Protection is only offered in select states but it provides additional coverages not offered by medical payments coverage

UM/UIM Coverage

Your UM/UIM coverage protects you and your vehicle when other motorists are uninsured or don’t have enough coverage. Covered claims include injuries sustained by your vehicle’s occupants and also any damage incurred to your 2001 Oldsmobile Intrigue.

Because many people only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is a good idea.

Collision coverage

Collision coverage pays to fix your vehicle from damage caused by collision with another car or object. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims such as crashing into a building, backing into a parked car and sustaining damage from a pot hole. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are older. It’s also possible to bump up the deductible to bring the cost down.

Comprehensive or Other Than Collision

Comprehensive insurance will pay to fix damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things such as falling objects, damage from flooding, hitting a deer, hail damage and vandalism. The most you’ll receive from a claim is the cash value of the vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Best coverage at the best price

We covered a lot of information how to get a better price on 2001 Oldsmobile Intrigue insurance. The key thing to remember is the more price quotes you have, the better your comparison will be. You may even find the lowest premium rates come from a lesser-known regional company. Some small companies may only write in your state and offer lower prices compared to the large companies like Progressive and GEICO.

As you prepare to switch companies, it’s a bad idea to buy lower coverage limits just to save a few bucks. In many instances, an insured dropped liability coverage limits only to regret at claim time that the few dollars in savings costed them thousands. Your objective should be to find the BEST coverage at the lowest possible cost while still protecting your assets.

Budget-friendly auto insurance is available from both online companies and with local insurance agents, and you need to comparison shop both to get a complete price analysis. Some companies may not have rates over the internet and many times these smaller companies work with independent insurance agents.

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