1999 Oldsmobile Alero Car Insurance Cost

Want cheaper auto insurance rates for your Oldsmobile Alero? Consumers that are new to comparing insurance coverage rates online are likely to find sourcing cheap car insurance is very challenging.

Consumers need to compare prices occasionally due to the fact that insurance prices are usually higher with each renewal. Just because you had the best rates on Alero coverage a couple years back there is a good chance you can find better rate quotes now. Forget all the misinformation about auto insurance because you’re going to get a crash course in how to use the internet to remove unneeded coverages and save money.

Do you qualify for discount auto insurance?

Insurance can be prohibitively expensive, but there’s a good chance there are discounts to help offset the cost. Certain discounts will be applied when you quote, but some may not be applied and must be asked for prior to receiving the credit.

  • Data Collection Discounts – Policyholders that allow companies to study vehicle usage by using a telematic data system like Allstate’s Drivewise could save a few bucks if their driving habits are good.
  • Senior Citizens – Older drivers could receive a discount up to 10% on Alero coverage.
  • Policy Bundle Discount – If you can combine your homeowners and auto policy and insure them with the same company you may earn 10% to 20% off each policy.
  • Driver Safety – Successfully completing a class that teaches defensive driver techniques could possibly earn you a 5% discount depending on where you live.
  • Accident Free – Insureds with no claims or accidents pay less when compared to frequent claim filers.
  • ABS and Traction Control Discounts – Cars, trucks, and SUVs with anti-lock braking systems have fewer accidents and earn discounts up to 10%.
  • Discounts for Multiple Vehicles – Buying insurance for several vehicles on one policy can reduce the rates for all insured vehicles.
  • Seat Belt Discounts – Drivers who require all vehicle occupants to wear their seat belts can save a little off the personal injury premium cost.
  • Accident Forgiveness Coverage – but some companies like Allstate, Progressive, and Geico will allow you to have one accident without getting socked with a rate hike if your claims history is clear for a particular time prior to the accident.
  • Pay Upfront and Save – If you pay your bill all at once as opposed to paying monthly you may reduce your total bill.

As a disclaimer on discounts, some of the credits will not apply to the overall cost of the policy. Some only reduce the price of certain insurance coverages like liability, collision or medical payments. So when the math indicates having all the discounts means you get insurance for free, you aren’t that lucky.

Large auto insurance companies and a selection of discounts are outlined below.

  • Geico discounts include air bags, membership and employees, driver training, emergency military deployment, five-year accident-free, and anti-theft.
  • Travelers policyholders can earn discounts including payment discounts, multi-car, multi-policy, new car, and continuous insurance.
  • Nationwide offers discounts including defensive driving, anti-theft, business or organization, accident-free, Farm Bureau membership, and family plan.
  • Farmers Insurance includes discounts for alternative fuel, homeowner, good student, early shopping, pay in full, and teen driver.
  • Esurance offers premium reductions for claim free, multi-car, safety device, multi-policy, online shopper, and good driver.
  • State Farm has savings for Steer Clear safe driver discount, Drive Safe & Save, driver’s education, safe vehicle, accident-free, and anti-theft.
  • Progressive has discounts for continuous coverage, multi-policy, online quote discount, multi-vehicle, homeowner, and good student.
  • Mercury Insurance may include discounts for multi-car, anti-theft, annual mileage, good student, and professional/association.

Before you buy a policy, ask every company which discounts can lower your rates. Some of the earlier mentioned discounts might not be offered in your area. To find providers that offer discounts, click this link.

What insurance coverages do I need?

When it comes to buying coverage, there is no best way to insure your cars. Coverage needs to be tailored to your specific needs.

Here are some questions about coverages that may help highlight whether you might need professional guidance.

  • Is rental equipment covered for theft or damage?
  • Am I covered if I wreck a rental car?
  • What should my uninsured motorist coverage limits be in my state?
  • What if I total my 1999 Oldsmobile Alero and owe more than it’s worth?
  • Why do I only qualify for high-risk insurance?
  • Should I buy more coverage than the required minimum liability coverage?
  • How can I find cheaper teen driver insurance?
  • What companies insure drivers after a DUI or DWI?
  • Can I pay claims out-of-pocket if I buy high deductibles?
  • Can my babysitter drive my car?

If it’s difficult to answer those questions but you know they apply to you, you might consider talking to a licensed agent. If you want to speak to an agent in your area, simply complete this short form.

Big names are not always cheapest

Well-known insurance coverage companies like Allstate and Progressive seem to constantly run television and radio advertisements. They all make an identical promise about saving some big amount if you just switch your policy. How does each company offer drivers better rates? This is the way they can do it.

Different companies give the cheapest rates for the driver that earns them the most money. A good example of a preferred risk might be described as between the ages of 40 and 55, owns a home, and does not commute to work. Anybody that hits that “sweet spot” will qualify for the lowest rates and have a good chance to save some money.

People who are not a match for those standards will have to pay higher rates and ends up with business going elsewhere. The ads state “customers that switch” but not “everyone who gets a quote” save that much money. That is how companies can make those statements.

Because of this risk profiling, you should quote coverage with many companies. It’s not possible to predict the company that will give you lower premium rates than your current company.

Learn about auto insurance coverages for a 1999 Oldsmobile Alero

Having a good grasp of your auto insurance policy helps when choosing the right coverages for your vehicles. Policy terminology can be impossible to understand and nobody wants to actually read their policy.

Med pay and Personal Injury Protection (PIP) – Coverage for medical payments and/or PIP reimburse you for expenses for things like hospital visits, chiropractic care and X-ray expenses. They can be utilized in addition to your health insurance policy or if you do not have health coverage. They cover not only the driver but also the vehicle occupants in addition to getting struck while a pedestrian. PIP coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Collision coverage – This covers damage to your Alero caused by collision with another vehicle or an object, but not an animal. A deductible applies then your collision coverage will kick in.

Collision insurance covers claims like backing into a parked car, rolling your car and damaging your car on a curb. This coverage can be expensive, so analyze the benefit of dropping coverage from lower value vehicles. You can also choose a higher deductible in order to get cheaper collision rates.

Liability coverages – This can cover damage or injury you incur to a person or their property that is your fault. It protects you from legal claims by others, and doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have policy limits of 100/300/100 which means a limit of $100,000 per injured person, a total of $300,000 of bodily injury coverage per accident, and property damage coverage for $100,000. Occasionally you may see one number which is a combined single limit which limits claims to one amount rather than limiting it on a per person basis.

Liability coverage pays for things like pain and suffering, structural damage, funeral expenses, repair costs for stationary objects and court costs. How much coverage you buy is a decision to put some thought into, but consider buying as large an amount as possible.

Uninsured/Underinsured Motorist (UM/UIM) – This coverage provides protection from other motorists when they either are underinsured or have no liability coverage at all. This coverage pays for hospital bills for your injuries as well as damage to your Oldsmobile Alero.

Since a lot of drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Most of the time the UM/UIM limits are similar to your liability insurance amounts.

Comprehensive insurance – This coverage will pay to fix damage that is not covered by collision coverage. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive can pay for things like hitting a deer, rock chips in glass and damage from a tornado or hurricane. The highest 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 removing comprehensive coverage.

Summing up your insurance search

Throughout this article, we presented some good ideas how you can shop for 1999 Oldsmobile Alero insurance online. It’s most important to understand that the more price quotes you have, the higher your chance of finding inexpensive car insurance. Consumers may even find the lowest car insurance rates come from a small mutual company.

When shopping online for insurance, it’s not a good idea to buy poor coverage just to save money. In too many instances, an insured cut uninsured motorist or liability limits and discovered at claim time that it was a big mistake. Your objective should be to buy enough coverage at the lowest possible cost but still have enough coverage for asset protection.

Some companies do not offer the ability to get quotes online small insurance companies sell through local independent agents. Discount 1999 Oldsmobile Alero insurance can be bought both online and from local insurance agents, and you should compare rates from both in order to have the best price selection to choose from.

Much more information about insurance is available on the following sites: