Lower Your 1997 Oldsmobile Aurora Car Insurance Rates

Searching for cheaper insurance for your Oldsmobile Aurora could be an all-consuming task, but you can follow our insurance coverage buying tips to make it easier.

There is a right way and a wrong way to shop for insurance coverage so we’re going to tell you the absolute fastest way to quote coverages for your Oldsmobile and find the lowest price.

Consumers need to compare rates quite often since insurance prices are rarely the same from one policy term to another. Just because you found the best deal for Aurora insurance six months ago you may be paying too much now. Forget anything you know (or think you know) about insurance coverage because you’re going to learn how to quote online to reduce your cost while increasing coverage.

Locating the best coverage is easy if you know what you’re doing. If you have insurance now or are looking for a new policy, you can learn to reduce the price you pay while maintaining coverages. Drivers just need to learn the most efficient way to get comparison quotes on the web.

How much is insurance coverage?

Most larger insurance companies give price estimates online. Obtaining pricing doesn’t take much effort as all you need to do is type in your personal and coverage information as detailed in the form. When complete, the company’s rating system gets reports for credit and driving violations and returns pricing information.

Online price estimates makes it a lot easier to compare rates but the process of having to visit several different sites and type in your information can be a bit repetitive. But it is imperative to get many rate quotes if you want to get better insurance coverage pricing.

Compare rates the easy way

The quickest way to lower your rates is to use a quote form that gets prices from several companies at one time. This type of form saves time, reduces the work, and makes online price comparison much simpler. As soon as the form is sent, it is rated and you can choose any one of the quotes that you receive.

If one or more price quotes are lower than your current rates, you simply finish the application and buy the policy. This process just takes a couple of minutes and can result in significant savings.

In order to compare rates now, click here to open in new window and complete the simple form. If you have coverage now, it’s recommended you enter the coverage information exactly as they are listed on your policy. Doing this guarantees you will have rate comparison quotes based on identical coverages.

Insurance policy discounts

Some providers don’t list every possible discount in an easy-to-find place, so here is a list some of the more common and also the more inconspicuous discounts you could be receiving when you buy insurance coverage online.

  • Discounts for Seat Belt Usage – Drivers who require all vehicle occupants to buckle up before driving can save up to 10 percent (depending on the company) off the PIP or medical payment premium.
  • Air Bags and Passive Restraints – Vehicles equipped with air bags or automatic seat belts can qualify for discounts of up to 25% or more.
  • Anti-lock Brake Discount – Vehicles with ABS and/or traction control can reduce accidents so companies give up to a 10% discount.
  • Active Military Service – Being on active duty in the military may lower your prices slightly.
  • Onboard Data Collection – Drivers that enable their company to monitor driving habits by using a telematics device in their vehicle such as Snapshot from Progressive or Drivewise from Allstate may see discounts if they exhibit good driving behavior.
  • Claim-Free Discount – Insureds who avoid accidents and claims pay less as opposed to drivers who are more careless.
  • Online Discount – A few larger online companies may give you up to $50 for signing up on their website.

As a footnote on discounts, some of the credits will not apply to the entire cost. Most cut individual premiums such as liability, collision or medical payments. If you do the math and it seems like all those discounts means the company will pay you, nobody gets a free ride.

If you would like to see a list of providers with discount insurance rates, click here to view.

How do I know if I need professional advice?

When it comes to buying adequate coverage for your personal vehicles, there really is not a perfect coverage plan. Everyone’s needs are different.

For example, these questions might help in determining whether your personal situation would benefit from professional advice.

  • Do I need more liability coverage?
  • Which companies will insure high-risk drivers?
  • At what point should I drop full coverage?
  • Am I covered when delivering products for my home-based business?
  • When does my teenage driver need to be added to my policy?
  • Does my liability insurance cover pulling a trailer or camper?
  • Can I afford to pay high deductible claims out of pocket?
  • Is rental equipment covered for theft or damage?
  • Why do I need rental car insurance?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?

If you don’t know the answers to these questions but one or more may apply to you, you might consider talking to a licensed agent. To find lower rates from a local agent, complete this form. It only takes a few minutes and may give you better protection.

Educate yourself about auto insurance coverages

Knowing the specifics of auto insurance helps when choosing which coverages you need for your vehicles. The coverage terms in a policy can be confusing and nobody wants to actually read their policy.

Collision insurance

This coverage pays to fix your vehicle from damage resulting from a collision with another vehicle or an object, but not an animal. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for things such as damaging your car on a curb, hitting a mailbox, colliding with a tree, scraping a guard rail and crashing into a ditch. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are 8 years or older. Another option is to raise the deductible to save money on collision insurance.

Liability coverages

This provides protection from injuries or damage you cause to other’s property or people in an accident. It protects you from legal claims by others. Liability doesn’t cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see limits of 100/300/100 which means $100,000 bodily injury coverage, a limit of $300,000 in injury protection per accident, and a limit of $100,000 paid for damaged property. Alternatively, you may have one number which is a combined single limit which provides one coverage limit without having the split limit caps.

Liability insurance covers claims like medical services, legal defense fees and emergency aid. How much liability coverage do you need? That is your choice, but you should buy as large an amount as possible.

Medical costs insurance

Medical payments and Personal Injury Protection insurance kick in for short-term medical expenses like X-ray expenses, chiropractic care and rehabilitation expenses. They are often utilized in addition to your health insurance policy or if you lack health insurance entirely. Coverage applies to you and your occupants in addition to any family member struck as a pedestrian. Personal injury protection coverage is only offered in select states and may carry a deductible

Comprehensive or Other Than Collision

This coverage pays for damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims like a tree branch falling on your vehicle, damage from flooding, falling objects, fire damage and rock chips in glass. The maximum amount your auto insurance company will pay is the market value of your vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

UM/UIM Coverage

This gives you protection when other motorists either have no liability insurance or not enough. This coverage pays for injuries to you and your family and damage to your Oldsmobile Aurora.

Since many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is very important. Most of the time these coverages are identical to your policy’s liability coverage.