2001 Oldsmobile Bravada Car Insurance Quotes – 5 Discounts for Cheaper Rates

Trying to find the cheapest auto insurance rates for your Oldsmobile Bravada? Trying to find cheaper auto insurance is frustrating for drivers who are new to comparing prices online. With so many online companies, it can quickly become a challenge to find the perfect company for you.

It is always a good idea to do rate comparisons as often as possible because prices change frequently. Just because you found the best quotes on Bravada insurance a year ago there may be better deals available now. You can find a lot of information about auto insurance online but in just a couple of minutes you can learn some of the best techniques to lower your auto insurance premiums.

Find discounts to get cheap insurance quotes

Auto insurance companies don’t necessarily list the complete list of policy discounts very well, so the list below gives a summary of both well-publicized as well as the least known insurance savings.

  • Anti-lock Brake Discount – Cars that have steering control and anti-lock brakes are much safer to drive and the ABS can save up to 10%.
  • Auto/Home Discount – If you can combine your home and auto policy with the same company you could get a discount of up to 20% and get you affordable insurance coverage.
  • Driver Training Discounts – Successfully completing a driver safety class is a good idea and can lower rates and easily pay for the cost of the class.
  • Student Driver Training – Have your child enroll in driver’s education in high school.
  • Discounts for Cautious Drivers – Drivers without accidents can pay as much as 50% less on Bravada insurance than drivers with accident claims.

Consumers should know that most credits do not apply to the overall cost of the policy. Some only reduce individual premiums such as collision or personal injury protection. So even though it sounds like you could get a free insurance policy, you won’t be that lucky.

Companies and a summarized list of policyholder discounts can be read below.

  • State Farm has discounts for Drive Safe & Save, passive restraint, Steer Clear safe driver discount, multiple policy, and good driver.
  • Geico may offer discounts for driver training, good student, emergency military deployment, multi-vehicle, anti-lock brakes, and air bags.
  • Liberty Mutual offers discounts for good student, new vehicle discount, newly retired, new move discount, safety features, and hybrid vehicle.
  • The Hartford discounts include defensive driver, anti-theft, good student, vehicle fuel type, bundle, and air bag.
  • MetLife policyholders can earn discounts including defensive driver, good driver, good student, claim-free, multi-policy, accident-free
  • Progressive offers discounts including homeowner, continuous coverage, multi-policy, online quote discount, multi-vehicle, good student, and online signing.

Before you buy a policy, ask every prospective company which discounts you qualify for. Some of the discounts discussed earlier may not apply in every state.

Tailor your auto insurance coverage to you

When choosing the right insurance coverage, there really is not a “best” method to buy coverage. Coverage needs to be tailored to your specific needs.

Here are some questions about coverages that might help in determining if your situation would benefit from an agent’s advice.

  • What are the financial responsibility laws in my state?
  • What is medical payments coverage?
  • Can my teen drive my company car?
  • Is rental equipment covered for theft or damage?
  • Where can I find DUI or SR-22 insurance?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • When should I remove comp and collision on my 2001 Oldsmobile Bravada?

If you don’t know the answers to these questions, you might consider talking to a licensed insurance agent. To find lower rates from a local agent, fill out this quick form.

Will you really save $416 on insurance?

Big name companies like State Farm and Allstate consistently run television and radio advertisements. They all tend to make the same promise about how much you will save if you get a free insurance coverage quote and switch to their company. How does each company offer you a better deal? Here is the trick they use.

Most companies have specific criteria for the type of insured that will add to their bottom line. An example of a driver they prefer might be over the age of 45, has no driving citations, and has excellent credit. Any driver that hits that “sweet spot” will probably get cheap premium rates as well as save some money.

Potential insureds who are not a match for these stringent criteria may be forced to pay higher premiums with the end result being business not being written. The wording the ads use say “people who switch” not “everybody who quotes” save that much money. That is how companies can make those claims. This really illustrates why you really need to compare quotes as often as possible. It’s just too difficult to predict which company will have the best prices.

The coverage is in the details

Knowing the specifics of a insurance policy helps when choosing the right coverages for your vehicles. The coverage terms in a policy can be confusing and coverage can change by endorsement.

Coverage for medical expenses – Med pay and PIP coverage reimburse you for immediate expenses for things like chiropractic care, prosthetic devices, hospital visits, surgery and nursing services. They are often used in conjunction with a health insurance plan or if you are not covered by health insurance. Medical payments and PIP cover all vehicle occupants and will also cover being hit by a car walking across the street. PIP coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Comprehensive insurance – This coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things like a broken windshield, falling objects, hitting a deer and damage from getting keyed. The most you’ll receive from a claim is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Collision coverages – This pays for damage to your Bravada resulting from a collision with a stationary object or other vehicle. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for claims like sustaining damage from a pot hole, colliding with another moving vehicle, backing into a parked car, colliding with a tree and hitting a mailbox. This coverage can be expensive, so consider dropping it from lower value vehicles. It’s also possible to raise the deductible to get cheaper collision coverage.

Liability coverages – This can cover damage that occurs to a person or their property. Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have limits of 25/50/25 that means you have a limit of $25,000 per injured person, a total of $50,000 of bodily injury coverage per accident, and a limit of $25,000 paid for damaged property.

Liability coverage protects against claims such as repair costs for stationary objects, loss of income and repair bills for other people’s vehicles. How much coverage you buy is up to you, but buy higher limits if possible.

Coverage for uninsured or underinsured drivers – This coverage provides protection when the “other guys” do not carry enough liability coverage. It can pay for injuries sustained by your vehicle’s occupants as well as damage to your Oldsmobile Bravada.

Since many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Saving money is sweet as honey

We’ve covered some good ideas how to reduce 2001 Oldsmobile Bravada insurance car insurance rates online. The key thing to remember is the more rate comparisons you have, the better likelihood of getting affordable insurance coverage. Consumers may even find the biggest savings come from the smaller companies.

While you’re price shopping online, it’s not a good idea to sacrifice coverage to reduce premiums. In too many instances, consumers will sacrifice full coverage to discover at claim time they didn’t have enough coverage. The proper strategy is to get the best coverage possible at the lowest possible cost but still have enough coverage for asset protection.

Consumers change insurance companies for any number of reasons including high prices, delays in responding to claim requests, not issuing a premium refund and even questionable increases in premium. It doesn’t matter why you want to switch switching companies can be easier than you think.

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