Save on 1999 Oldsmobile LSS Insurance Quotes

Searching for cheaper car insurance rates for your Oldsmobile LSS? There isn’t a single person who rejoices having to buy car insurance, especially knowing the cost is too high.

Since you have so many insurance companies to choose from, it is very difficult to choose the right car insurance provider.

It’s a great practice to quote other rates as often as possible because rates are usually higher with each renewal. Just because you found the best rate for LSS insurance at your last renewal you will most likely find a better price today. Forget anything you know (or think you know) about car insurance because you’re about to find out the best methods to find great coverage at a great price.

Educated choices result in lower insurance prices

Many different elements are part of the equation when you quote your car insurance policy. Some factors are common sense like your driving record, but others are more obscure such as your credit history or how financially stable you are.It’s important that you understand some of the elements that go into determining your policy premiums. When consumers understand what determines base rates, this empowers consumers to make smart changes that could help you find cheaper rates.

  • Deter car thieves – Selecting a car model with advanced anti-theft systems can save you some money. Anti-theft features like OnStar, LoJack tracking, and tamper alarms help track and prevent car theft and help bring rates down.
  • No policy lapses lowers rates – Going without insurance will be a sure-fire way to drive up your policy premiums. In addition to paying higher rates, not being able to provide proof of insurance may result in a hefty fine and possibly a revoked license. You may then be required to prove you have insurance by filing a SR-22 with your state motor vehicle department.
  • Pay less with a high NHTSA crash test rating – Vehicles that have high safety ratings tend to have better insurance rates. Vehicles engineered for safety protect occupants better and lower rates of occupant injuries translates into savings for insurance companies which can mean better rates for you. If the Oldsmobile LSS is rated at least an “acceptable” rating on the Insurance Institute for Highway Safety website you may qualify for a discount.
  • Cheaper to insure women? – Statistics show females are less aggressive when driving. The data does not necessarily mean that males are worse at driving than females. Women and men tend to get into at-fault accidents in similar numbers, but the male of the species cause more damage and cost insurance companies more money. In addition to higher claims, males also get cited for more serious violations like DWI (DUI) or reckless driving.
  • Getting married equates to better costs – Having a significant other may earn you lower rates when shopping for car insurance. Marriage is viewed as being more mature and responsible and insurance companies like that drivers who are married are more cautious.

How to get the cheapest auto insurance

When comparison shopping, there are several ways to compare rate quotes from lots of auto insurance companies. The easiest way to find cheaper 1999 Oldsmobile LSS rates involves getting comparison quotes online. This can be accomplished in several different ways.

  1. The most efficient method to compare a lot of rates at once is an all-inclusive rate comparison click to view form in new window. This style of form prevents you from having to do repetitive form entry for each price estimate. A single form will return quotes from several companies.
  2. A more time consuming way to analyze rates requires visiting each company website and repeat the quote process again and again. For sake of this example, let’s say you want to see prices from Progressive, Safeco and Liberty Mutual. To find out each rate you need to navigate to each company’s site and type in your information over and over, and that explains why we recommend the first method.

    For a handy list of car insurance company links in your area, click here.

You can use whichever method you prefer to find lower rates, just try to keep identical deductibles and coverage limits for each quote you get. If each company quotes different limits and deductibles on each one you can’t possibly determine which rate is truly the best. Quoting even small variations in limits could throw off the whole comparison. Just remember that comparing a large number of companies will enable you to find better pricing.

The ad said I’d save $408 a year!

Well-known insurance companies like State Farm, Geico and Progressive seem to constantly run ads on television and other media. All the companies say the same thing of big savings after switching your policy. How is it possible that every company can cost less than your current company? It’s all in the words they use.

Different companies have specific guidelines for a prospective insured that earns them the most money. One example of a profitable customer could be a mature driver, has no tickets, and drives a lower-performance vehicle. A customer getting a price quote who fits those characteristics will qualify for the lowest rates and will most likely save if they switch.

People who are not a match for the “perfect” profile will have to pay more expensive rates and this can result in business going elsewhere. The ads say “drivers that switch” but not “everyone who gets a quote” will save that much if they switch. That is how companies can make those statements. Because of this risk profiling, drivers should get auto insurance quotes as often as possible. Because you cannot predict the company that will give you lower car insurance rates than your current company.

Save with these discounts

The cost of insuring your cars can be expensive, but you might already qualify for some discounts that can help lower your rates. Some of these disounts will be visible when you purchase, but some discounts are required to be requested specifically before they will apply.

  • Student in College – College-age children who are enrolled in a college that is more than 100 miles from home and don’t have a car could qualify for this discount.
  • Multi-car Discount – Buying coverage for multiple vehicles on a single policy can get a discount on all vehicles.
  • Telematics Devices – Insureds that choose to allow their auto insurance company to scrutinize driving patterns through the use of a telematics system such as Drivewise from Allstate or Snapshot from Progressive could see a rate decrease as long as the data is positive.
  • Sign Online – A handful of auto insurance companies may give you up to $50 for completing your application on your computer.
  • Own a Home and Save – Just owning your own home can save a few bucks due to the fact that maintaining a home requires a higher level of personal finance.
  • Early Switch Discount – Some larger companies give discounts for renewing your policy before your current coverage expires. You may see this discount when you get auto insurance quotes online.
  • Policy Bundle Discount – If you have multiple policies and insure them both with the same insurance company you will save up to 20% off your total premium.
  • Club Memberships – Participating in a civic or occupational organization can get you a small discount on your policy.

One thing to note about discounts is that many deductions do not apply the the whole policy. Most only apply to the cost of specific coverages such as comprehensive or collision. Just because it seems like all those discounts means the company will pay you, auto insurance companies aren’t that generous.

Larger auto insurance companies and a selection of discounts include:

  • Geico offers discounts for seat belt use, military active duty, driver training, air bags, and multi-policy.
  • MetLife may have discounts that include claim-free, multi-policy, good student, good driver, and accident-free.
  • State Farm offers premium reductions for good student, Steer Clear safe driver discount, accident-free, multiple policy, good driver, and student away at school.
  • Progressive discounts include multi-policy, online quote discount, multi-vehicle, good student, homeowner, online signing, and continuous coverage.
  • Mercury Insurance may offer discounts for professional/association, multi-policy, type of vehicle, anti-theft, and good driver.
  • 21st Century offers discounts including air bags, theft prevention, automatic seat belts, teen driver, early bird, and homeowners.
  • Allstate includes discounts for safe driver, anti-lock brakes, teenSMART discount, defensive driver, EZ pay plan discount, utility vehicle, and economy car.

When getting a coverage quote, ask every insurance company how many discounts you can get. Some of the earlier mentioned discounts may not apply to policyholders in your area. If you would like to choose from a list of insurance companies who offer discounts, click here.

Special considerations

When choosing the right insurance coverage, there isn’t really a single plan that fits everyone. Everyone’s situation is unique and a cookie cutter policy won’t apply. Here are some questions about coverages that might help in determining whether you will benefit from professional help.

  • What if I don’t agree with a claim settlement offer?
  • Am I covered if I drive in a foreign country?
  • Does my liability insurance cover pulling a trailer or camper?
  • Does coverage extend to my business vehicle?
  • Where can I get insurance after a DUI in my state?
  • If my pet gets injured in an accident are they covered?
  • What is the difference between comprehensive and collision coverage?
  • Is my teenager covered with friends in the car?
  • Are split liability limits better than a combined single limit?

If you’re not sure about those questions but a few of them apply, then you may want to think about talking to an insurance agent. To find lower rates from a local agent, take a second and complete this form or go to this page to view a list of companies.

Information about specific coverages

Understanding the coverages of your policy can be of help when determining the right coverages at the best deductibles and correct limits. The coverage terms in a policy can be impossible to understand and reading a policy is terribly boring. Shown next are the usual coverages offered by insurance companies.

Auto collision coverage

This will pay to fix damage to your LSS caused by collision with an object or car. You first must pay a deductible then your collision coverage will kick in.

Collision coverage pays for claims like sideswiping another vehicle, hitting a parking meter and driving through your garage door. Collision is rather expensive coverage, so consider dropping it from older vehicles. It’s also possible to increase the deductible to get cheaper collision coverage.

Liability insurance

Liability coverage protects you from damage that occurs to a person or their property by causing an accident. It protects you from claims by other people, and does not provide coverage for damage to your own property or vehicle.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show values of 50/100/50 that translate to a limit of $50,000 per injured person, a total of $100,000 of bodily injury coverage per accident, and property damage coverage for $50,000.

Liability can pay for things such as pain and suffering, medical expenses, repair bills for other people’s vehicles and loss of income. The amount of liability coverage you purchase is a personal decision, but consider buying as large an amount as possible.

Insurance for medical payments

Medical payments and Personal Injury Protection insurance reimburse you for expenses for dental work, EMT expenses and funeral costs. They are often used to cover expenses not covered by your health insurance policy or if you do not have health coverage. They cover all vehicle occupants and also covers if you are hit as a while walking down the street. Personal Injury Protection is only offered in select states and gives slightly broader coverage than med pay

Uninsured Motorist or Underinsured Motorist insurance

This protects you and your vehicle when other motorists do not carry enough liability coverage. Covered losses include hospital bills for your injuries and also any damage incurred to your Oldsmobile LSS.

Due to the fact that many drivers carry very low liability coverage limits, their limits can quickly be used up. So UM/UIM coverage should not be overlooked.

Comprehensive coverage (or Other than Collision)

This pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage protects against claims such as damage from flooding, fire damage and rock chips in glass. The maximum payout you can receive from a comprehensive claim is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

In the end, you save

Discount 1999 Oldsmobile LSS insurance can be purchased from both online companies and from local agencies, and you need to price shop both to have the best selection. A few companies may not provide online price quotes and usually these small insurance companies only sell coverage through independent agencies.

As you go through the steps to switch your coverage, do not reduce coverage to reduce premium. There have been many cases where drivers have reduced collision coverage and learned later that a couple dollars of savings turned into a financial nightmare. The proper strategy is to get the best coverage possible at the best cost while not skimping on critical coverages.

We’ve covered quite a bit of information on how to lower your 1999 Oldsmobile LSS insurance premium rates. It’s most important to understand that the more quotes you get, the better your comparison will be. You may even find the biggest savings come from a small local company. Some small companies may often insure only within specific states and give getter rates than their larger competitors like Allstate and Progressive.

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