2001 Oldsmobile Intrigue Car Insurance Cost – 8 Tricks for Best Prices

Buyers have many options when searching for the lowest priced Oldsmobile Intrigue insurance. They can either spend hours contacting agents trying to get quotes or utilize the internet to find the lowest rates. There are more efficient ways to find insurance coverage online so we’re going to tell you the quickest way to compare rates for your Oldsmobile and obtain the lowest price from both online companies and local agents.

It’s smart to quote other rates at least once a year because prices change regularly. Even if you got the lowest rates for Intrigue coverage a couple years back you can probably find a better rate quote now. You can find a lot of wrong information about insurance coverage on the web, but by reading this article, you’re going to learn some proven techniques to quit paying high insurance coverage rates.

Cheaper insurance quotes with discounts

Insurance is neither fun to buy or cheap, but you might find some hidden discounts to help offset the cost. Some trigger automatically when you quote, but a few must be requested specifically prior to getting the savings.

  • Seat Belt Usage – Drivers who require all occupants to buckle up before driving can save 10% or more off PIP or medical payments premium.
  • Federal Employees – Active or former government employment may qualify for a discount when you quote auto insurance for Intrigue coverage depending on your insurance provider.
  • Payment Discounts – If you can afford to pay the entire bill instead of paying each month you can avoid monthly service charges.
  • Discount for Multiple Policies – When you combine your auto and home insurance with the same company you could save at least 10 to 15 percent or more.
  • Homeowners Discount – Just being a homeowner can get you a discount because of the fact that having a home demonstrates responsibility.
  • Distant College Student Discount – Any of your kids who attend college more than 100 miles from home without a vehicle on campus could qualify for this discount.
  • 55 and Retired – Drivers over the age of 55 may be able to get a small decrease in premiums for Intrigue coverage.
  • Theft Deterent Discount – Cars that have factory anti-theft systems can help prevent theft and therefore earn up to a 10% discount.

Drivers should understand that some of the credits will not apply to all coverage premiums. Most only apply to the cost of specific coverages such as liability and collision coverage. So even though it sounds like you could get a free insurance policy, insurance companies aren’t that generous.

Larger insurance companies and some of the premium reductions they offer are included below.

  • Farm Bureau has discounts for safe driver, multi-policy, 55 and retired, driver training, and youthful driver.
  • Liberty Mutual may have discounts that include good student, multi-policy, newly retired, new graduate, and new move discount.
  • State Farm policyholders can earn discounts including multiple policy, Steer Clear safe driver discount, good student, defensive driving training, multiple autos, and Drive Safe & Save.
  • Auto-Owners Insurance includes discounts for safe vehicle, mature driver, group or association, paperless, and multiple vehicles.
  • Geico discounts include defensive driver, good student, anti-lock brakes, five-year accident-free, daytime running lights, and federal employee.
  • SAFECO offers premium reductions for safe driver, anti-theft, multi-car, anti-lock brakes, and accident prevention training.

When comparing rates, check with every insurance company to apply every possible discount. Some of the discounts discussed earlier might not apply in your area. If you would like to see a list of insurance companies with discount rates, click this link.

The cheapest insurance rate quotes online

Cutting your insurance rates is pretty simple and can save money. You just have to spend a few minutes getting comparison quotes from some recommended companies. It is quite easy and can be accomplished by following the guidelines below.

  1. The first (and easiest) way to get quotes for comparison is to use a rate comparison form click to view form in new window. This method eliminates the need for separate forms for each company you want a rate for. Filling out one form gets rate comparisons from insurance companies with the best prices. It’s definitely the quickest method.
  2. A harder way to compare prices consists of visiting the website for each individual company and fill out a new quote form. For instance, let’s assume you want to view quotes from Liberty Mutual, Geico and Farmers. You would be required to visit each site and enter your policy data, which can get old fast.

    To view a list of companies in your area, click here.

  3. If you have time to kill, the last method to do your price quoting is to drive around to all the different insurance agencies. The internet eliminates the need for an insurance agent unless you’re the type of person who wants the trained advice of an agent trained in personal lines coverage. Although you can comparison shop online and get advice from an agent in your area.

It’s your choice how you get your quotes, but make sure you use exactly the same information with each company. If each company quotes different data it will be next to impossible to find the best deal for your Oldsmobile Intrigue.

Tailor your car insurance coverage to you

When it comes to buying the best car insurance coverage for your personal vehicles, there isn’t really a single plan that fits everyone. Everyone’s situation is a little different.

For example, these questions can aid in determining whether or not you could use an agent’s help.

  • Does my liability insurance cover pulling a trailer or camper?
  • Is my teenager covered with friends in the car?
  • Can I drive in Mexico and have coverage?
  • Does my personal policy cover me when driving out-of-state?
  • Am I covered if I wreck a rental car?
  • Is motorclub coverage worth it?
  • Does having multiple vehicles earn me a discount?
  • Does my medical payments coverage pay my health insurance deductible?

If you’re not sure about those questions but you think they might apply to your situation, you may need to chat with an agent. If you want to speak to an agent in your area, fill out this quick form. It is quick, free and you can get the answers you need.

Car insurance 101

Knowing the specifics of your auto insurance policy aids in choosing the best coverages and proper limits and deductibles. Policy terminology can be impossible to understand and even agents have difficulty translating policy wording.

Liability coverage

This protects you from injuries or damage you cause to people or other property in an accident. It protects you against other people’s claims, and doesn’t cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You might see values of 50/100/50 that means you have $50,000 in coverage for each person’s injuries, a limit of $100,000 in injury protection per accident, and a total limit of $50,000 for damage to vehicles and property.

Liability can pay for claims like medical expenses, funeral expenses, attorney fees, structural damage and court costs. How much liability should you purchase? That is a personal decision, but consider buying as much as you can afford.

Medical expense coverage

Med pay and PIP coverage provide coverage for expenses such as prosthetic devices, dental work, ambulance fees, EMT expenses and hospital visits. The coverages can be used to cover expenses not covered by your health insurance plan or if there is no health insurance coverage. It covers not only the driver but also the vehicle occupants in addition to being hit by a car walking across the street. PIP coverage is not available in all states but can be used in place of medical payments coverage

Auto collision coverage

This pays for damage to your Intrigue 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 such as rolling your car, crashing into a ditch and colliding with a tree. This coverage can be expensive, so you might think about dropping it from vehicles that are older. Drivers also have the option to increase the deductible to get cheaper collision coverage.

Comprehensive protection

This pays to fix your vehicle from damage OTHER than collision with another vehicle or object. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage protects against things like vandalism, theft, fire damage, hitting a bird and a tree branch falling on your vehicle. The maximum amount your auto insurance company will pay is the actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Uninsured or underinsured coverage

This coverage provides protection from other drivers when they either have no liability insurance or not enough. This coverage pays for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is very important.

A fool and his money are soon parted

The cheapest 2001 Oldsmobile Intrigue insurance is possible both online and with local insurance agents, and you should compare rates from both to have the best selection. Some insurance providers may not offer rates over the internet and many times these smaller companies prefer to sell through independent insurance agents.

Drivers change insurance companies for a number of reasons such as high rates after DUI convictions, high prices, delays in responding to claim requests and even extreme rates for teen drivers. Regardless of your reason for switching companies, switching insurance coverage companies is pretty easy and you might even save some money in the process.

In this article, we presented a lot of information how to shop for 2001 Oldsmobile Intrigue insurance online. It’s most important to understand that the more times you quote, the better chance you’ll have of finding inexpensive auto insurance. Consumers may even find the lowest premium rates are with some of the lesser-known companies.

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