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Oldsmobile Alero Insurance Rates

Shopping for auto insurance through online providers can be fast and easy and there is a good chance you may find lower rates. The most important part is to compare rates from as many companies as possible so you can get all your choices.

If shopping for auto insurance online is new to you, you can be overwhelmed by the hoards of online auto insurance companies and websites selling insurance. Getting cheaper insurance rates is surprisingly easy. The only requirement is to invest a few minutes to compare quotes provided by online insurance companies. This is very easy and can be done by completing this short form.

Insurance premiums for your Oldsmobile Alero will vary greatly depending on several factors. Some of these factors include:

  • A clean driving record keeps rates low
  • Your credit history
  • Where you reside can make a big difference
  • High miles vs. low miles
  • Your gender can raise or lower rates
  • Low deductibles cost more
  • Safety rating of your Alero
  • Whether or not you have claims
  • No coverage lapses saves money
  • Whether you own your home

One important consideration that will help determine your rates is the age of the vehicle. New vehicles have a higher replacement value compared to older Oldsmobile models so the cost to replace them will push premiums up. Conversely, newer models have more advanced features such as active head restraints, automatic crash notification, blind-spot warning system, and adaptive cruise control so those may give discounted rates.

To get a better idea how rates are influenced for your specific model year, select the year of your vehicle below.

Liability auto insurance

This coverage protects you from damage that occurs to other's property or people by causing an accident. Liability insurance covers things like legal defense fees, bail bonds, and repair bills for other people's vehicles. Coverage is generally pretty cheap so buy as much as you can afford.

Auto collision coverage

Collision coverage pays for damage to your Oldsmobile resulting from colliding with another car or object. You have to pay a deductible then your collision coverage will kick in. Collision coverage makes up a good portion of your premium, so you might think about dropping it from lower value vehicles. It's also possible to increase the deductible to bring the cost down.

Comprehensive (Other than Collision)

Comprehensive insurance coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. A deductible will apply then your comprehensive coverage will pay. The maximum amount you'll receive from a claim is the ACV or actual cash value, so if the vehicle's value is low consider dropping full coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Your UM/UIM coverage protects you and your vehicle from other drivers when they do not carry enough liability coverage. Due to the fact that many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. So UM/UIM coverage is important protection for you and your family.

Medical expense insurance

Med pay and PIP coverage pay for short-term medical expenses like nursing services, prosthetic devices, and dental work. They are utilized in addition to your health insurance plan or if you do not have health coverage. Personal Injury Protection is not available in all states but it provides additional coverages not offered by medical payments coverage.

How Much are Oldsmobile Alero Insurance Rates?