Save on 2000 Oldsmobile Intrigue Car Insurance Cost

Searching for the cheapest auto insurance rates for your Oldsmobile Intrigue? Saving money on auto insurance can seem to be hard for people who have little experience comparison shopping online. Since there are so many companies competing online, it can easily be a difficult challenge to locate the lowest price.

You need to do rate comparisons once or twice a year because auto insurance prices fluctuate regularly. If you had the best deal on Intrigue insurance a year ago you will most likely find a better rate quote today. Forget all the misinformation about auto insurance because you’re going to learn the quickest way to find lower rates on auto insurance.

The purpose of this post is to tell you how to get online quotes and some tips to save money. If you are paying for car insurance now, you should be able to lower your premiums substantially using this strategy. But vehicle owners must comprehend how big insurance companies market insurance on the web because it can help you find the best coverage.

Buy insurance coverage online

All major insurance coverage companies allow consumers to get price estimates direct online. Obtaining pricing is very simple because it’s just a matter of typing in your coverage information into the quote form. After you complete the form, their rating system orders your driving and credit reports and generates pricing information based on the data you entered.

This simplifies rate comparisons, but the time required to go to many different websites and type in the same information is a big time waster. Unfortunately, it is important to have as many quotes as possible if you want to get a lower rate.

The easiest way to get multiple rate quotes uses just one form to get prices from many companies. It saves time, eliminates repetitive work, and makes online price comparison a lot less work. As soon as you send your information, it is quoted and you can choose your choice of the quotes that you receive.

If the quotes result in lower rates, you can click and sign and purchase coverage. The entire process takes 15 minutes at the most and may result in a nice savings.

If you want to compare pricing, simply click here to open in new window and submit your coverage information. If you have a policy now, it’s recommended you enter the coverages identical to your current policy. Using the same limits helps guarantee you are getting an apples-to-apples comparison based on similar coverages.

Cut insurance costs with these tips

An important part of buying insurance is that you know a few of the rating criteria that play a part in calculating the rates you pay for insurance coverage. When you understand what impacts premium levels, this allows you to make good choices that will entitle you to lower premium levels.

The factors shown below are some of the major factors used by your company to calculate prices.

  • Frequent insurance coverage claims increase insurance coverage rates – Companies generally give the best rates to insureds who are claim-free. If you’re an insured who likes to file claims you can look forward to either a policy non-renewal or much higher rates. Your insurance policy is meant to be used in the event of the bigger claims that can’t be paid out-of-pocket.
  • Safer cars save money – Safer cars tend to be cheaper to insure. Highly rated vehicles have better occupant injury protection and fewer injuries translates directly to fewer claims and cheaper rates on your policy.
  • Being married equates to better costs – Your spouse may cut your premiums on your insurance coverage policy. It means you’re more mature than a single person and insurance companies like that married drivers tend to have fewer serious accidents.
  • Drivers with excellent credit save – Having a good credit score can be a huge factor in calculating your premium rate. Drivers with good credit tend to file fewer claims and have better driving records as compared to drivers with poor credit. If your credit score could use some work, you could pay less to insure your 2000 Oldsmobile Intrigue if you clean up your credit.
  • Discounts for auto and home policies – Some insurers apply lower prices for people who buy several policies from them in the form of a multi-policy discount. This can amount to anywhere from five to ten percent in most cases. Even though this discount sounds good, it’s in your best interest to comparison shop to help guarantee you have the best rates.
  • Drive less and save – The more you drive every year the more you will pay for insurance coverage. A lot of insurance companies calculate prices based upon how you use the vehicle. Autos that have low annual miles can be on a lower rate level than vehicles that are driven to work every day. Incorrect rating for your Intrigue can cost quite a bit. Make sure your insurance coverage policy correctly shows the correct driver usage, because it can save money.
  • Guys tend to take more risk – Over the last 50 years, statistics have shown that women are safer drivers than men. That doesn’t necessarily mean that women are BETTER drivers than men. Both sexes tend to get into at-fault accidents in similar percentages, but the males cause more damage. They also get higher numbers of serious violations such as driving while intoxicated (DWI) or driving recklessly.
  • How’s your driving record? – A bad driving record impacts your car insurance rates tremendously. Good drivers pay less for auto insurance compared to bad drivers. Only having one citation can increase the cost of insurance by twenty percent. Drivers who get serious tickets such as reckless driving or DUI may be required to maintain a SR-22 to the state department of motor vehicles in order to legally drive.

Are you receiving every discount?

Auto insurance companies don’t list all disounts in a way that’s easy to find, so the following list contains both well-publicized in addition to some of the lesser obvious credits available to bring down your rates.

  • Bundled Policy Discount – If you can bundle your auto and home insurance and place coverage with the same company you could get a discount of as much as 10 to 15 percent.
  • Discount for New Cars – Insuring a vehicle that is new can cost up to 25% less because newer vehicles have to meet stringent safety requirements.
  • Seat Belt Discounts – Drivers who require all vehicle occupants to use their safety belts can save 10% or more off PIP or medical payments premium.
  • Claim Free – Drivers who stay claim-free get the best car insurance rates compared to policyholders that have many claims.
  • Driving Data Discount – Drivers who elect to allow data collection to track driving manner by using a telematic data system such as Allstate’s Drivewise and State Farm’s In-Drive system could see a rate decrease if they are good drivers.
  • Braking Control Discount – Cars and trucks with ABS braking systems or traction control have fewer accidents and therefore earn up to a 10% discount.
  • Active Military Service – Being on active deployment in the military may lower your premium rates slightly.
  • Discount for Low Mileage – Keeping the miles down on your Oldsmobile may enable drivers to earn slightly better prices than normal.
  • Theft Deterent Discount – Cars and trucks equipped with anti-theft or alarm systems are less likely to be stolen and earn discounts up to 10% off your auto insurance quote.

A quick disclaimer, some credits don’t apply to the overall cost of the policy. A few only apply to the price of certain insurance coverages like liability and collision coverage. So even though it sounds like it’s possible to get free car insurance, company stockholders wouldn’t be very happy.

Car insurance companies that may have many of the previously listed discounts are:

If you are trying to find cheap auto insurance quotes, ask each insurance company which discounts you may be entitled to. Savings may not be offered in your area.

When in doubt talk to an agent

When it comes to choosing the right insurance coverage, there really is no perfect coverage plan. Everyone’s situation is unique.

For instance, these questions might point out whether your personal situation could use an agent’s help.

  • Is business equipment covered while in my vehicle?
  • Is my nanny covered when driving my vehicle?
  • Am I missing any policy discounts?
  • Is my cargo covered for damage or theft?
  • Where can I find DUI or SR-22 insurance?
  • How can I find cheaper teen driver insurance?
  • Does my policy cover my teen driver if they drive my company car?
  • Does my insurance cover a custom paint job?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?

If it’s difficult to answer those questions but one or more may apply to you then you might want to talk to a licensed agent. If you want to speak to an agent in your area, take a second and complete this form.

Car insurance coverages and their meanings

Knowing the specifics of a car insurance policy helps when choosing appropriate coverage for your vehicles. Policy terminology can be difficult to understand and even agents have difficulty translating policy wording.

Med pay and Personal Injury Protection (PIP)

Medical payments and Personal Injury Protection insurance pay for bills for things like dental work, X-ray expenses and nursing services. The coverages can be used to fill the gap from your health insurance plan or if there is no health insurance coverage. It covers both the driver and occupants and will also cover if you are hit as a while walking down the street. Personal Injury Protection is not an option in every state and may carry a deductible

Uninsured/Underinsured Motorist (UM/UIM)

Your UM/UIM coverage provides protection when the “other guys” are uninsured or don’t have enough coverage. It can pay for hospital bills for your injuries and damage to your 2000 Oldsmobile Intrigue.

Since a lot of drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is important protection for you and your family. Most of the time these limits do not exceed the liability coverage limits.

Collision coverage

This pays to fix your vehicle from damage from colliding with another car or object. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things such as scraping a guard rail, crashing into a ditch and colliding with another moving vehicle. This coverage can be expensive, so analyze the benefit of dropping coverage from lower value vehicles. It’s also possible to increase the deductible to bring the cost down.

Liability

Liability coverage provides protection from damage or injury you incur to other people or property that is your fault. This coverage protects you against other people’s claims. Liability doesn’t cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show liability limits of 50/100/50 which means a $50,000 limit per person for injuries, a limit of $100,000 in injury protection per accident, and $50,000 of coverage for damaged propery. Alternatively, you may have one number which is a combined single limit which provides one coverage limit with no separate limits for injury or property damage.

Liability insurance covers things like pain and suffering, bail bonds and legal defense fees. How much liability coverage do you need? That is a personal decision, but it’s cheap coverage so purchase as high a limit as you can afford.

Comprehensive insurance

Comprehensive insurance coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against claims such as damage from getting keyed, a broken windshield, hitting a bird, damage from a tornado or hurricane and vandalism. The most you’ll receive from a claim is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Power to the consumer

Consumers leave their current company for a variety of reasons including poor customer service, not issuing a premium refund, extreme rates for teen drivers and even being labeled a high risk driver. No matter why you want to switch, choosing a new insurance company is not as hard as you think.

When getting auto insurance quotes online, never reduce coverage to reduce premium. There are too many instances where an insured dropped uninsured motorist or liability limits and found out when filing a claim that the savings was not a smart move. Your goal is to get the best coverage possible for the lowest price.

We covered many ways to reduce 2000 Oldsmobile Intrigue insurance car insurance rates online. It’s most important to understand that the more providers you compare, the better likelihood of getting low cost auto insurance. You may even find the best car insurance rates are with some of the lesser-known companies.

More detailed auto insurance information is located in the articles below: