View 1998 Oldsmobile Aurora Insurance Quotes

Trying to find the cheapest auto insurance rates? Buyers have a choice when searching for the lowest priced Oldsmobile Aurora insurance. You can either spend your time struggling with agents to compare prices or use the internet to make rate comparisons.

There is a right way and a wrong way to compare auto insurance rates so we’re going to tell you the best way to price shop coverage for a new or used Oldsmobile and find the lowest possible price.

Smart consumers take time to compare rates occasionally because prices are variable and change quite frequently. Despite the fact that you may have had the best quotes for Aurora insurance six months ago other companies may now be cheaper. Ignore everything you know about auto insurance because you’re going to get a crash course in the best way to remove unneeded coverages and save money.

Low cost car insurance quotes

There are a variety of methods to shop for car insurance, but some are easier and takes less work. You can waste a lot of time talking about coverages with insurance agencies in your area, or you can utilize the internet to get the quickest rates.

Many insurance companies participate in a marketplace that enables customers to only type in their quote data once, and every company then returns a price quote based on the submitted data. This prevents consumers from doing quote requests for each company you want a rate for.

To use this form to compare rates click here to open in new window.

The single downside to pricing coverage this way is that you can’t choose which providers you want to price. If you wish to select individual companies to compare rates, we put together a list of low cost car insurance companies in your area. Click here to view list.

How you compare quotes is your choice, just double check that you are using identical coverage limits and deductibles for each quote you get. If your comparisons have higher or lower deductibles you will not be able to make a fair rate comparison.

You may qualify for discounts

Insurance coverage is not an enjoyable expense, but you might already qualify for some discounts to help offset the cost. Some discounts apply automatically at the time you complete a quote, but less common discounts must be requested specifically before being credited.

  • Discounts for Multiple Vehicles – Having primary and secondary vehicles on a single policy may reduce the rate for each vehicle.
  • Early Signing – A few insurance companies give discounts for switching to them before your current coverage expires. This can save 10% or more.
  • Organization Discounts – Having an affiliation with qualifying clubs or civic groups is a simple method to lower premiums on your next insurance coverage statement.
  • Anti-lock Brake System – Vehicles equipped with ABS or steering control can reduce accidents so companies give up to a 10% discount.
  • Telematics Data Discounts – Drivers that enable data collection to monitor vehicle usage through the use of a telematics system such as Progressive’s Snapshot may get a rate reduction as long as the data is positive.
  • Passive Restraints and Air Bags – Factory air bags and/or automatic seat belt systems may earn rate discounts of more than 20%.
  • Seat Belts Save – Drivers who always wear seat belts and also require passengers to buckle up may be able to save a few bucks off PIP or medical payments premium.
  • Save with a New Car – Putting insurance coverage on a new car can be considerably cheaper because new vehicles keep occupants safer.
  • Employee of Federal Government – Active or former government employment can earn a discount up to 10% for Aurora insurance depending on your company.

A little disclaimer on discounts, most of the big mark downs will not be given to all coverage premiums. Most cut individual premiums such as comprehensive or collision. So even though they make it sound like you can get free auto insurance, insurance companies wouldn’t stay in business.

Some of the insurance companies that have most of the discounts above may include but are not limited to:

When comparing rates, check with all the companies to apply every possible discount. Some of the earlier mentioned discounts might not apply in your area. To see companies with discount rates, click here.

There’s no such thing as the perfect car insurance policy

When buying adequate coverage, there really is not a “perfect” insurance plan. Everyone’s needs are different.

For instance, these questions could help you determine if your insurance needs would benefit from professional advice.

  • Do I need an umbrella policy?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • Should I buy full coverage?
  • Are my friends covered when driving my car?
  • What happens if I owe more than my 1998 Oldsmobile Aurora is worth?
  • Which companies will insure high-risk drivers?
  • Can I afford to buy a different vehicle if my 1998 Oldsmobile Aurora is totaled?
  • Is my teenager covered with friends in the car?
  • Is my business laptop covered if it gets stolen from my vehicle?
  • What is no-fault insurance?

If you’re not sure about those questions, you may need to chat with a licensed agent. If you don’t have a local agent, take a second and complete this form. It’s fast, doesn’t cost anything and can help protect your family.

How do insurance companies determine Oldsmobile Aurora insurance prices?

Multiple criteria are used in the calculation when you get your auto insurance bill. A few of the factors are predictable such as your driving record, but other factors are more transparent such as your credit history and annual miles driven.

The list below includes some of the most common factors used by companies to determine prices.

  • Your spouse saves you money – Walking down the aisle may earn you lower rates on auto insurance. It generally demonstrates drivers are more mature and responsible and statistics prove drivers who are married are more cautious.
  • More than one policy can earn a discount – Many auto insurance companies give lower prices to customers that buy multiple policies. It’s known as a multi-policy discount. The amount of the discounts can be anywhere from five to ten percent in most cases. Even with this discount, you still need to comparison shop to verify if the discount is saving money. Consumers may save even more than the discount even if you insure with multiple companies
  • Tickets will cost you – Even a single chargable violation could increase your next policy renewal twenty percent or more. Drivers who don’t get tickets have lower premiums compared to bad drivers. People who have flagrant violations like DUI or reckless driving may be required to file a proof of financial responsibility form (SR-22) with their state’s licensing department in order to prevent their license from being revoked.
  • Your age impacts your costs – Inexperience drivers are proven to be inattentive and easily distracted when driving with friends therefore auto insurance rates are much higher. Adding a inexperienced driver to your auto insurance policy will cause a huge premium hike. Older people tend to be more responsible, file fewer claims .
  • Too many policy claims drive up auto insurance rates – Companies award lower rates to drivers who are claim-free. If you frequently file small claims, you can definitely plan on either a policy non-renewal or much higher rates. Your insurance policy is intended to be relied upon for major claims that would cause financial hardship.

Can you really save $494 a year?

Drivers constantly see and hear ads for insurance coverage savings from the likes of 21st Century, Allstate and State Farm. All the companies convey the message that drivers can save some big amount if you get a free car insurance quote and switch your insurance coverage coverage to their company.

How does every company cost less than your current company? It’s all in how they say it.

Insurance providers have an ideal profile for the type of customer that earns them a profit. For example, a profitable risk profile might have to be between the ages of 30 and 50, has had continuous coverage, and drives a car with an anti-theft system. Any customer that meets those criteria will get low premium rates and will probably save when they switch companies.

Consumers who cannot meet the “perfect” profile may be required to pay a higher premium and this results in business going elsewhere. If you listen to the ad wording, they say “customers who switch” but not “all drivers who get quotes” save money. This is how insurance companies can lure you into getting a quote.

Different companies use different criteria so you should get as many free car insurance quotes as possible. It’s just too difficult to predict which company will fit you best based on your risk profile.

What insurance coverages do you need?

Learning about specific coverages of insurance aids in choosing which coverages you need and proper limits and deductibles. The coverage terms in a policy can be ambiguous and reading a policy is terribly boring.

Coverage for medical expenses – Med pay and PIP coverage provide coverage for bills for things like ambulance fees, chiropractic care, nursing services, EMT expenses and X-ray expenses. They can be used in conjunction with a health insurance plan or if there is no health insurance coverage. Coverage applies to both the driver and occupants as well as any family member struck as a pedestrian. Personal injury protection coverage is not an option in every state and may carry a deductible

Collision coverages – This pays to fix your vehicle from damage resulting from colliding with an object or car. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims like hitting a parking meter, sideswiping another vehicle, sustaining damage from a pot hole and damaging your car on a curb. Collision is rather expensive coverage, so consider removing coverage from vehicles that are 8 years or older. Another option is to choose a higher deductible to save money on collision insurance.

Coverage for uninsured or underinsured drivers – This coverage protects you and your vehicle’s occupants from other motorists when they either are underinsured or have no liability coverage at all. It can pay for hospital bills for your injuries as well as your vehicle’s damage.

Due to the fact that many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Usually the UM/UIM limits are similar to your liability insurance amounts.

Auto liability – This will cover injuries or damage you cause to other’s property or people in an accident. It protects YOU from claims by other people. Liability doesn’t cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have policy limits of 50/100/50 which means $50,000 in coverage for each person’s injuries, a total of $100,000 of bodily injury coverage per accident, and a total limit of $50,000 for damage to vehicles and property. Another option is one limit called combined single limit (CSL) which limits claims to one amount without having the split limit caps.

Liability insurance covers things such as repair costs for stationary objects, legal defense fees, attorney fees and repair bills for other people’s vehicles. How much liability should you purchase? That is up to you, but you should buy as much as you can afford.

Comprehensive insurance – This coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims like rock chips in glass, hitting a bird, hitting a deer and damage from a tornado or hurricane. The maximum payout a insurance company will pay at claim time is the market value of your vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

More quotes. Lower rates.

Drivers who switch companies do it for a number of reasons such as policy cancellation, an unsatisfactory settlement offer, not issuing a premium refund and being labeled a high risk driver. It doesn’t matter why you want to switch finding a new car insurance company can be less work than you think.

In this article, we presented a lot of tips how to compare 1998 Oldsmobile Aurora insurance premium rates online. The most important thing to understand is the more quotes you get, the better your comparison will be. You may be surprised to find that the biggest savings come from the smaller companies.

When you buy car insurance online, you should never reduce coverage to reduce premium. There have been many cases where an accident victim reduced liability coverage limits only to regret that saving that couple of dollars actually costed them tens of thousands. The goal is to purchase plenty of coverage at a price you can afford.

Even more information can be found at these sites: