1998 Oldsmobile Bravada Car Insurance Quotes

Searching for better auto insurance rates for your Oldsmobile Bravada? Searching for budget auto insurance over the internet may at first seem to be problematic for price shopping online. With such a large number of agents and companies in the marketplace, how can people have a chance to compare each option to find cheaper auto insurance prices?

Buying affordable coverage is quite easy. Basically, every driver who is required by state law to have insurance should be able to cut their insurance bill. But consumers must comprehend how companies market insurance on the web and use this information to your advantage.

Quote car insurance online

Shopping for lower car insurance rates can be challenging if you don’t understand the fastest way to get free quotes. You could spend the better part of a day talking to agents in your area, or you could save time and use online quoting for quick rates.

Most of the larger companies take part in a program that allows shoppers to only type in their quote data once, and each participating company then returns a price quote based on that information. This prevents consumers from doing form submissions for each company you want a rate for.

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

The only downside to doing it this way is you cannot specify the insurers to receive prices from. If you prefer to choose specific insurance companies to receive pricing from, we have a listing of car insurance companies in your area. Click here for list of insurance companies.

It’s up to you how you get prices quotes, just ensure you are comparing the same deductibles and coverage limits on every quote. If you are comparing mixed coverages it’s not possible to determine the lowest rate for your Oldsmobile Bravada. Quoting even small variations in insurance coverages can make a big difference in price. And when price shopping your coverage, comparing more rates from different companies helps improve the odds of finding the best rates. Not every company allows you to get online price quotes, so you need to compare rates from them, too.

Lower rate quotes by getting discounts

Companies don’t necessarily list every discount they offer in an easy-to-find place, so we researched both the well known and also the lesser-known discounts that you can inquire about if you buy car insurance online.

  • E-sign – Many insurance companies will discount your bill up to fifty bucks for buying a policy and signing up on your computer.
  • Senior Citizen Rates – Drivers that qualify as senior citizens may be able to get a slight reduction on a car insurance quote for Bravada insurance.
  • Seat Belt Discounts – Drivers who require all vehicle occupants to buckle their seat belts may be able to save a few bucks off the personal injury premium cost.
  • Theft Deterent Discount – Anti-theft and alarm system equipped vehicles are less likely to be stolen and that can save you a little bit as well.
  • Early Payment Discounts – By paying your entire bill at once instead of monthly or quarterly installments you may have a lower total premium amount.
  • College Student – Any of your kids who are attending college and leave their car at home may be insured at a cheaper rate.
  • Federal Government Employee – Simply working for the federal government could provide a small rate reduction for Bravada insurance with some insurance companies.

As is typical with insurance, most discounts do not apply to all coverage premiums. The majority will only reduce the price of certain insurance coverages like physical damage coverage or medical payments. Even though it appears all those discounts means the company will pay you, company stockholders wouldn’t be very happy.

Companies and some of the premium reductions they offer include:

  • 21st Century policyholders can earn discounts including anti-lock brakes, air bags, automatic seat belts, 55 and older, and theft prevention.
  • State Farm may have discounts that include multiple autos, Drive Safe & Save, anti-theft, good driver, and Steer Clear safe driver discount.
  • AAA has discounts for multi-policy, anti-theft, multi-car, good student, AAA membership discount, education and occupation, and good driver.
  • Liberty Mutual offers premium reductions for safety features, exclusive group savings, good student, multi-policy, and newly retired.
  • Progressive has savings for homeowner, online quote discount, multi-policy, continuous coverage, multi-vehicle, and good student.

When quoting, ask each company which discounts you may be entitled to. Some of the earlier mentioned discounts may not apply to policies in your area.

Get more affordable insurance costs by understanding these factors

Lots of factors are considered when quoting car insurance. Some of the criteria are obvious like an MVR report, although others are more transparent such as whether you are married or your vehicle rating.An important part of buying insurance is that you know the rating factors that come into play when calculating your insurance rates. If you have some idea of what determines base rates, this allows you to make good choices that will entitle you to big savings.

The itemized list below are some of the most rate-impacting factors that factor into your rates.

  • Too many insurance claims will drive premiums up – Companies give cheaper rates to insureds who do not file claims often. If you file claims often, you can look forward to higher premiums or even policy non-renewal. Auto insurance is designed for major claims that would cause financial hardship.
  • Amount of liability protection – The liability coverage on your policy kicks in if ever you are responsible for physical damage or personal injury to other. It will provide legal defense which can cost thousands of dollars. Liability is cheap compared to other policy coverages, so do not skimp.
  • Better premiums with anti-theft devices – Purchasing a vehicle with an alarm system can help bring down rates. Anti-theft devices like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all help prevent your vehicle from being stolen.
  • Pay more out-of-pocket – Comp and collision deductibles define how much you are required to spend if the claim is covered. Insurance for physical damage, termed comprehensive and collision coverage on your policy, insures against damage to your car. Examples of some claims that would be covered could be a windshield broken by a bird, vandalism, and damage from wind. The higher the amount the insured is willing to pay, the less your company will charge you for insurance for Bravada insurance.
  • Compare rates if you consolidate your policies – Many companies give a discount to insureds who carry more than one policy. It’s known as a multi-policy discount. Even with this discount applied, it’s still a good idea to compare other insurance prices to confirm you are receiving the best rates possible.
  • Where you live is a factor – Residing in smaller towns and rural areas of the country is a positive aspect if you are looking for the lowest rates. Fewer drivers means fewer accidents. City drivers regularly have much more traffic and longer commutes to work. Higher commute times means more chances of being involved in an auto accident.
  • Know your credit rating – Having a good credit score can be an important factor in determining what you pay for insurance. Insureds that have very high credit ratings tend to file fewer claims than drivers who have lower ratings. Therefore, if your credit history could use some work, you may save money insuring your 1998 Oldsmobile Bravada by taking the time to improve your credit score.

Your car insurance coverage should be tailored to you

When choosing coverage for your personal vehicles, there really is no “perfect” insurance plan. Every situation is different.

For example, these questions can aid in determining if your situation will benefit from professional help.

  • Does my insurance cover a custom paint job?
  • How much underlying liability do I need for an umbrella policy?
  • Where can I find high-risk insurance?
  • How many claims can I have before being cancelled?
  • What can I do if my company won’t pay a claim?
  • Does my personal policy cover me when driving out-of-state?

If you don’t know the answers to these questions but you think they might apply to your situation, then you may want to think about talking to a licensed insurance agent. If you don’t have a local agent, fill out this quick form.

Parts of your insurance policy

Knowing the specifics of a insurance policy can be of help when determining the best coverages at the best deductibles and correct limits. Policy terminology can be impossible to understand and even agents have difficulty translating policy wording.

Liability coverages

This will cover damage or injury you incur to people or other property by causing an accident. It protects YOU against claims from other people. Liability doesn’t cover damage sustained by your vehicle in an accident.

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 stand for $50,000 in coverage for each person’s injuries, a limit of $100,000 in injury protection per accident, and a total limit of $50,000 for damage to vehicles and property. Occasionally you may see one limit called combined single limit (CSL) that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability coverage protects against things such as attorney fees, medical services, funeral expenses and repair costs for stationary objects. How much liability should you purchase? That is a personal decision, but consider buying as high a limit as you can afford.

Coverage for uninsured or underinsured drivers

Your UM/UIM coverage gives you protection from other drivers when they either have no liability insurance or not enough. Covered claims include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since a lot of drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Normally your uninsured/underinsured motorist coverages are set the same as your liablity limits.

Auto collision coverage

Collision insurance covers damage to your Bravada resulting from a collision with an object or car. A deductible applies then your collision coverage will kick in.

Collision coverage pays for claims such as driving through your garage door, scraping a guard rail and colliding with a tree. This coverage can be expensive, so consider dropping it from lower value vehicles. Drivers also have the option to choose a higher deductible to bring the cost down.

Comprehensive insurance

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

Comprehensive insurance covers things such as vandalism, theft and hail damage. The highest amount your insurance company will pay is the actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Coverage for medical expenses

Med pay and PIP coverage kick in for expenses for dental work, funeral costs and pain medications. The coverages can be used to fill the gap from your health insurance program or if you do not have health coverage. Coverage applies to not only the driver but also the vehicle occupants as well as if you are hit as a while walking down the street. PIP coverage is not available in all states and gives slightly broader coverage than med pay

Better coverage you can count on

When buying insurance coverage, never skimp on critical coverages to save a buck or two. There are a lot of situations where drivers have reduced liability limits or collision coverage only to find out they didn’t purchase enough coverage. Your focus should be to get the best coverage possible at the best cost but still have enough coverage for asset protection.

Some car insurance companies don’t offer the ability to get a quote online and most of the time these regional insurance providers prefer to sell through local independent agencies. Cost effective 1998 Oldsmobile Bravada insurance can be purchased from both online companies as well as from insurance agents, so you should compare both to have the best selection.

In this article, we presented quite a bit of information on how to compare 1998 Oldsmobile Bravada insurance premium rates online. The key concept to understand is the more rate comparisons you have, the better chance you’ll have of finding the cheapest car insurance. You may even find the best premium rates are with the least-expected company.

Additional car insurance information can be found on the following sites: