2002 Oldsmobile Intrigue Car Insurance Quotes – 7 Ideas for Cheaper Rates

Searching for better insurance coverage rates for your Oldsmobile Intrigue? Locating better insurance prices for an Oldsmobile Intrigue can be an all-consuming task, but you can learn our insurance coverage buying tips to save time. There are both good and bad ways to shop for insurance coverage so you’re going to learn the proper way to get price quotes for your Oldsmobile and get the lowest price either online or from local insurance agents.

It is always a good idea to do rate comparisons before your policy renews because prices change regularly. If you had the lowest rates for Intrigue coverage a year ago there is a good chance you can find better rate quotes now. Ignore everything you know about insurance coverage because you’re about to find out the things you must know in order to save money, get proper deductibles and limits, all at the lowest rate.

If you have a current auto insurance policy or need new coverage, you can learn to find the best rates and possibly find even better coverage. Finding the best auto insurance is easy if you know what you’re doing. Vehicle owners only need an understanding of the best way to find the lowest price on the web.

Drivers can save with these seven rate-reducing discounts

Companies don’t always advertise the entire discount list very well, so the list below contains some of the more common and the more hidden discounts that may be available.

  • Military Rewards – Being on active duty in the military can result in better prices.
  • Responsible Drivers – Drivers who don’t get into accidents could pay up to 40% less for Intrigue coverage than drivers with accidents.
  • Discounts for New Vehicles – Buying a new car instead of a used car can get you a discount since newer models have better safety ratings.
  • Clubs and Organizations – Being in qualifying employment or professional organizations could earn you a nice discount on your policy.
  • Save over 55 – Seniors may be able to get reduced rates for Intrigue coverage.
  • Resident Student – Older children living away from home attending college without a vehicle on campus can receive lower rates.
  • Claim-Free Discount – Drivers with accident-free driving histories can save substantially in comparison to policyholders that have many claims.

We need to note that most discounts do not apply to your bottom line cost. The majority will only reduce individual premiums such as medical payments or collision. Even though it may seem like you could get a free auto insurance policy, nobody gets a free ride.

Some of the insurance companies that possibly offer some of the discounts shown above may include but are not limited to:

If you are trying to find inexpensive insurance quotes, ask all companies you are considering which discounts you may be entitled to. Depending on the company, some discounts might not be offered on policies in your state. To choose companies that have a full spectrum of discounts, click here to view.

The easiest way to compare car insurance company rates is to realize almost all companies pay for the opportunity to provide you with free rate quotes. All consumers are required to do is take a few minutes to give details including the type of vehicles you drive, if your license is active, if it has an anti-theft system, and if you lease or own. The data is instantly sent to multiple car insurance providers and you get price estimates almost instantly.

Do I need special coverages?

When choosing proper insurance coverage, there really is not a “perfect” insurance plan. Every situation is different.

For instance, these questions may help highlight if you might need professional guidance.

  • Is a new car covered when I drive it off the dealer lot?
  • Do I need rental car coverage?
  • What is the ISO rating for a 2002 Oldsmobile Intrigue?
  • Do I need replacement cost coverage on my 2002 Oldsmobile Intrigue?
  • When should I not file a claim?
  • What is no-fault insurance?

If you don’t know the answers to these questions, you might consider talking to an agent. To find an agent in your area, complete this form. It is quick, free and can provide invaluable advice.

Specific coverage details

Understanding the coverages of a insurance policy can help you determine the best coverages and the correct deductibles and limits. Insurance terms can be difficult to understand and even agents have difficulty translating policy wording.

Collision insurance

Collision coverage covers damage to your Intrigue resulting from a collision with a stationary object or other vehicle. You have to pay a deductible then your collision coverage will kick in.

Collision coverage pays for things such as driving through your garage door, colliding with another moving vehicle and crashing into a building. This coverage can be expensive, so consider removing coverage from vehicles that are 8 years or older. You can also bump up the deductible to save money on collision insurance.

Liability

Liability coverage will cover damage that occurs to other people or property that is your fault. Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show liability limits of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, a total of $100,000 of bodily injury coverage per accident, and property damage coverage for $50,000.

Liability can pay for claims like attorney fees, repair costs for stationary objects, pain and suffering and medical expenses. The amount of liability coverage you purchase is a decision to put some thought into, but consider buying as large an amount as possible.

Coverage for uninsured or underinsured drivers

Your UM/UIM coverage provides protection when the “other guys” either are underinsured or have no liability coverage at all. It can pay for injuries sustained by your vehicle’s occupants as well as damage to your Oldsmobile Intrigue.

Since many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. So UM/UIM coverage is important protection for you and your family.

Comprehensive insurance

Comprehensive insurance covers damage OTHER than collision with another vehicle or object. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims like damage from flooding, falling objects, hail damage, damage from getting keyed and fire damage. The highest amount you’ll receive from a claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Coverage for medical expenses

Personal Injury Protection (PIP) and medical payments coverage provide coverage for expenses like chiropractic care, rehabilitation expenses, pain medications, nursing services and surgery. They are often used to fill the gap from your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover you and your occupants and also covers being hit by a car walking across the street. PIP coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Keep this in mind

Lower-priced 2002 Oldsmobile Intrigue insurance is available online as well as from independent agents, and you should be comparing both to have the best chance of lowering rates. Some car insurance companies may not offer online quoting and many times these small, regional companies prefer to sell through independent agents.

When trying to cut insurance costs, it’s not a good idea to reduce coverage to reduce premium. There are too many instances where drivers have reduced physical damage coverage only to discover later that their decision to reduce coverage ended up costing them more. The aim is to get the best coverage possible at the best possible price while still protecting your assets.

Consumers change insurance companies for a number of reasons such as denial of a claim, delays in responding to claim requests, an unsatisfactory settlement offer and poor customer service. It doesn’t matter why you want to switch switching companies is pretty easy and you might even save some money in the process.

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