Lower Your 1999 Oldsmobile Intrigue Car Insurance Rates

Looking for cheaper car insurance rates for your Oldsmobile Intrigue? No sane person fancies paying their premiums for car insurance, especially when they know they could find better prices if they shop around.

You have so many car insurance companies to choose from, and even though it’s nice to have multiple companies, more choices can make it harder to get the best deal.

The purpose of this article is to help educate you on the most effective way to quote insurance. If you are paying for car insurance now, you should be able to save some money using this strategy. Nevertheless, drivers benefit from understanding how companies sell insurance online because it can help you find the best coverage.

The quickest method to compare insurance rates in your area is to know the fact car insurance companies have advanced systems to provide you with free rate quotes. To begin a comparison, all you need to do is spend a couple of minutes providing details such as the year, make and model of vehicles, an estimate of your credit level, if the vehicle is leased, and what your job is. That information gets transmitted to many highly-rated insurers and you should receive rate quotes almost instantly.

To check rates for your car now, click here and find out if lower rates are available.

Do you qualify for discount auto insurance?

Auto insurance can be pricey, but there’s a good chance there are discounts that can dramatically reduce your bill. Certain discounts will be applied at the time of purchase, but lesser-known reductions have to be specifically requested before you will receive the discount.

  • One Accident Forgiven – This one is not really a discount per se, but companies like Geico and Liberty Mutual will forgive one accident before hitting you with a surcharge if you have no claims for a particular time prior to the accident.
  • Low Miles Discount – Low annual miles could be rewarded with lower rates on the low mileage vehicles.
  • New Vehicle Savings – Buying a new car model can be considerably cheaper because new vehicles keep occupants safer.
  • Multi-line Discount – Select auto insurance companies reward you with a discount if you purchase a life policy as well.
  • Anti-lock Brake System – Cars with ABS and/or traction control prevent accidents so you can save 10 percent or more.
  • Distant College Student Discount – Kids who live away from home at college and don’t have a car may qualify for this discount.
  • Good Student – This discount can get you a discount of up to 25%. Most companies allow this discount up to age 25.

A quick disclaimer, some credits don’t apply to the entire cost. Most only apply to individual premiums such as comprehensive or collision. If you do the math and it seems like you could get a free auto insurance policy, that’s just not realistic.

A few of the larger companies and some of the premium reductions they offer are outlined below.

  • 21st Century offers discounts including early bird, homeowners, good student, 55 and older, automatic seat belts, and theft prevention.
  • Progressive may include discounts for online quote discount, homeowner, continuous coverage, online signing, and good student.
  • State Farm has savings for Drive Safe & Save, defensive driving training, passive restraint, good student, Steer Clear safe driver discount, and accident-free.
  • Nationwide has discounts for family plan, good student, easy pay, business or organization, and Farm Bureau membership.
  • Esurance offers premium reductions for renters, anti-lock brakes, Switch & Save, online quote, Pac-12 alumni, claim free, and multi-policy.
  • The Hartford offers discounts for bundle, defensive driver, driver training, vehicle fuel type, good student, anti-theft, and air bag.

If you need cheaper insurance quotes, ask every prospective company how many discounts you can get. Depending on the company, some discounts may not apply in your state. If you would like to view companies that provide some of the discounts listed above, click here.

What insurance coverages do I need?

When it comes to choosing coverage for your vehicles, there is no perfect coverage plan. Everyone’s needs are different and a cookie cutter policy won’t apply. These are some specific questions might point out whether or not you could use an agent’s help.

  • Am I covered if I crash into my own garage door?
  • Does my policy cover my teen driver if they drive my company car?
  • At what point should I drop full coverage?
  • Are all vehicle passengers covered by medical payments coverage?
  • Does my policy cover me when driving someone else’s vehicle?
  • Do I get a pro-rated refund if I cancel my policy early?
  • What is the rate difference between pleasure use and commuting?
  • Should I put collision coverage on all my vehicles?

If you’re not sure about those questions but a few of them apply, you may need to chat with a licensed agent. If you want to speak to an agent in your area, simply complete this short form or you can also visit this page to select a carrier

Learn how to quote auto insurance cheaper

An important part of buying insurance is that you know the different types of things that aid in calculating auto insurance rates. If you have a feel for what determines base rates, this empowers consumers to make smart changes that could help you find lower rates. Many factors are taken into consideration when pricing auto insurance. Some are pretty understandable such as traffic violations, although some other factors are not quite as obvious like where you live or your vehicle rating.

The factors shown below are some of the factors used by insurance companies to determine your prices.

  • Eliminate unneeded incidental coverages – There are a lot of additional extra coverages that can waste your money if you don’t pay attention. Insurance for roadside assistance, death and dismemberment, and additional equipment coverage are examples of these. These coverages may sound good when talking to your agent, but if they’re wasting money eliminate the coverages to reduce your premium.
  • Older drivers are lower risk – Teenage drivers have a tendency to be easily distracted with other occupants in the car and because of this, their auto insurance rates are much higher. Having to add a youthful driver to your policy can cause a big jump in price. Older drivers are proven to be safer behind the wheel, statistically cause fewer accidents and get fewer tickets.
  • Do you really need to file that claims? – Car insurance companies award the best rates to insureds who only file infrequent claims. If you frequently file small claims, you can pretty much guarantee either policy cancellation or increased premiums. Your car insurance is intended to be relied upon for the large, substantial claims.
  • Lower premiums with alarm systems – Purchasing a vehicle with a theft deterrent system can help lower your rates. Theft prevention devices like GM’s OnStar, tamper alarm systems and vehicle immobilizers all help prevent your vehicle from being stolen.

Insurance specifics

Having a good grasp of your policy can help you determine the best coverages and the correct deductibles and limits. The terms used in a policy can be ambiguous and coverage can change by endorsement. Below you’ll find typical coverage types found on the average insurance policy.

Collision protection

This coverage pays for damage to your Intrigue caused by collision with another car or object. A deductible applies and then insurance will cover the remainder.

Collision can pay for things like scraping a guard rail, colliding with a tree and hitting a mailbox. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from older vehicles. You can also raise the deductible to get cheaper collision coverage.

Comprehensive or Other Than Collision

Comprehensive insurance coverage pays to fix your vehicle from damage from a wide range of events other than collision. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things such as damage from flooding, damage from a tornado or hurricane, hail damage and hitting a deer. The maximum payout you can receive from a comprehensive claim is the market value of your vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Medical costs insurance

Med pay and PIP coverage kick in for bills such as rehabilitation expenses, nursing services and hospital visits. They are often used to fill the gap from your health insurance plan or if you lack health insurance entirely. They cover you and your occupants and also covers being hit by a car walking across the street. Personal Injury Protection is not universally available and may carry a deductible

UM/UIM Coverage

This provides protection from other drivers when they are uninsured or don’t have enough coverage. It can pay for injuries to you and your family and also any damage incurred to your Oldsmobile Intrigue.

Because many people only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is very important. Normally these coverages are identical to your policy’s liability coverage.

Liability coverage

This will cover damage that occurs to people or other property by causing an accident. It protects you against claims from other people. It does not cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You might see values of 25/50/25 which means $25,000 in coverage for each person’s injuries, a per accident bodily injury limit of $50,000, and property damage coverage for $25,000. Alternatively, you may have one limit called combined single limit (CSL) which provides one coverage limit and claims can be made without the split limit restrictions.

Liability insurance covers claims such as structural damage, emergency aid and pain and suffering. How much liability coverage do you need? That is up to you, but buy as large an amount as possible.

In conclusion

Some companies may not offer rate quotes online and most of the time these small, regional companies only sell coverage through independent insurance agents. Discount 1999 Oldsmobile Intrigue insurance is available online in addition to many insurance agents, and you should compare rates from both in order to have the best chance of saving money.

While you’re price shopping online, never buy lower coverage limits just to save a few bucks. Too many times, drivers have reduced liability coverage limits and discovered at claim time they didn’t have enough coverage. The ultimate goal is to buy a smart amount of coverage at the lowest possible cost, but do not skimp to save money.

Additional insurance information is located at the links below