2002 Oldsmobile Intrigue Insurance Cost – 9 Ideas for Cheaper Prices

Want better insurance rates for your Oldsmobile Intrigue? Trying to find better insurance prices for an Oldsmobile Intrigue could be a painful process, but you can use a few tricks and make it easy. There is a better way to shop for insurance and you need to know the best way to get price quotes for a new or used Oldsmobile and obtain the lowest possible price from local insurance agents and online providers.

It’s a great practice to do rate comparisons once or twice a year due to the fact that insurance prices are usually higher with each renewal. Just because you had the lowest quotes on Intrigue insurance on your last policy you will most likely find a better rate today. You’ll find quite a bit of inaccurate information about insurance on the internet, but you can learn some of the best techniques to quit paying high insurance rates.

Earn discounts on insurance

Some providers do not advertise all possible discounts very well, so we took the time to find both well-publicized and also the lesser-known insurance savings. If you do not double check each discount possible, you’re just leaving money on the table.

  • Student Driver Training – Teen drivers should successfully complete driver’s ed class in school.
  • Life Insurance Discount – Not all insurance companies offer life insurance, but some may give you a break if you buy a life policy as well.
  • Sign Early and Save – Some companies provide a discount for buying a policy prior to your current policy expiring. It can save you around 10%.
  • Professional Memberships – Belonging to specific professional or occupational memberships or organizations may earn a discount on your next insurance statement.
  • Paper-free Discount – Certain larger companies will discount your bill up to fifty bucks for signing up over the internet.
  • Multiple Vehicles – Buying coverage for more than one vehicle on one policy can reduce the rates for all insured vehicles.
  • Homeowners Discount – Owning a house may trigger a policy discount on insurance since owning and maintaining a home is proof of financial responsibility.
  • Telematics Discount – Insureds that choose to allow data collection to scrutinize driving patterns by using a telematic data system such as Snapshot from Progressive or Drivewise from Allstate could see a rate decrease if their driving habits are good.
  • Payment Discounts – If paying your policy premium upfront instead of making monthly payments you can actually save on your bill.

Please keep in mind that most discounts do not apply to your bottom line cost. Some only apply to the price of certain insurance coverages like physical damage coverage or medical payments. Even though it may seem like you can get free auto insurance, companies don’t profit that way.

A list of insurance companies and a summarized list of policyholder discounts are:

  • State Farm includes discounts for accident-free, anti-theft, student away at school, multiple autos, good driver, and Drive Safe & Save.
  • American Family offers discounts for multi-vehicle, good driver, good student, TimeAway discount, defensive driver, early bird, and accident-free.
  • AAA offers premium reductions for pay-in-full, anti-theft, multi-car, good student, and AAA membership discount.
  • Geico discounts include driver training, defensive driver, multi-policy, seat belt use, good student, emergency military deployment, and anti-theft.
  • Mercury Insurance may include discounts for professional/association, location of vehicle, multi-policy, annual mileage, and anti-theft.
  • Farmers Insurance may offer discounts for homeowner, electronic funds transfer, business and professional, mature driver, early shopping, distant student, and multi-car.
  • Progressive policyholders can earn discounts including online signing, multi-policy, good student, multi-vehicle, and continuous coverage.

When getting free insurance coverage quotes, it’s a good idea to all companies you are considering to give you their best rates. Discounts might not be available to policyholders in your area. To locate insurance companies with the best insurance discounts, follow this link.

How to buy insurance coverage online

Getting a cheap price on 2002 Oldsmobile Intrigue insurance is an easy way to save money. Just take the time getting comparison quotes online from several insurance companies. It is quite easy and can be accomplished in a couple of different ways.

  • The easiest and least time consuming way to compare a lot of rates at once is to use a rate comparison form (click to open form in new window). This easy form eliminates the need for separate forms for every insurance coverage company. Just one form gets insurance cost estimates from multiple companies. It’s the fastest way to compare.
  • Another way to find more affordable insurance is to take the time to go to each company website and fill out their own quote form. For examples sake, we’ll pretend you need rates from Geico, 21st Century and GMAC. To get rate quotes you would need to spend time on each company’s site and type in your information over and over, which is not fast way to get rate quotes.

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

  • The most difficult way to find and compare rates to insurance agencies in your area. The fact that you can get quotes online has reduced the need for local agents unless you have a need for the professional advice only provided by licensed agents. Although you can get prices online but buy from a local insurance agent.

Whichever method you choose, ensure you’re using the same coverage information for each price quote. If you enter different deductibles it will be next to impossible to find the best deal for your Oldsmobile Intrigue.

Tailor your insurance coverage to you

When buying adequate coverage for your vehicles, there isn’t really a best way to insure your cars. Everyone’s situation is unique.

These are some specific questions could help you determine whether you may require specific advice.

  • Is my Oldsmobile Intrigue covered if I use it for business?
  • Does my policy pay for OEM or aftermarket parts?
  • Am I covered when driving someone else’s vehicle?
  • When do I need to add a new car to my policy?
  • I don’t drive much so do I pay less?
  • Am I covered if I break a side mirror?
  • Am I covered when driving a rental car?
  • Do all my vehicles need collision coverage?
  • Are my friends covered when driving my car?

If you don’t know the answers to these questions but you know they apply to you, you might consider talking to an insurance agent. If you want to speak to an agent in your area, fill out this quick form. It’s fast, doesn’t cost anything and can provide invaluable advice.

Educate yourself about auto insurance coverages

Learning about specific coverages of a auto insurance policy aids in choosing the right coverages at the best deductibles and correct limits. Auto insurance terms can be ambiguous and even agents have difficulty translating policy wording.

Comprehensive protection

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

Comprehensive can pay for things such as damage from flooding, vandalism, hitting a bird, fire damage and hail damage. The maximum payout your auto insurance company will pay is the market value of your vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

Medical expense coverage

Personal Injury Protection (PIP) and medical payments coverage reimburse you for immediate expenses such as chiropractic care, rehabilitation expenses, X-ray expenses and funeral costs. They can be used to fill the gap from your health insurance policy or if you lack health insurance entirely. They cover you and your occupants and also covers any family member struck as a pedestrian. Personal injury protection coverage is not universally available but can be used in place of medical payments coverage

Collision insurance

Collision insurance pays to fix your vehicle from damage from colliding with an object or car. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers claims such as hitting a parking meter, sideswiping another vehicle and sustaining damage from a pot hole. This coverage can be expensive, so you might think about dropping it from older vehicles. You can also raise the deductible to bring the cost down.

Uninsured or underinsured coverage

Your UM/UIM coverage protects you and your vehicle when other motorists either have no liability insurance or not enough. This coverage pays for medical payments for you and your occupants and damage to your Oldsmobile Intrigue.

Because many people have only the minimum liability required by law, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is a good idea.

Liability auto insurance

Liability insurance protects you from damage or injury you incur to other’s property or people that is your fault. Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show policy limits of 25/50/25 that translate to a $25,000 limit per person for injuries, a total of $50,000 of bodily injury coverage per accident, and property damage coverage for $25,000.

Liability can pay for things such as pain and suffering, legal defense fees, repair costs for stationary objects, loss of income and repair bills for other people’s vehicles. How much liability should you purchase? That is a decision to put some thought into, but buy as large an amount as possible.

Summing up your car insurance search

Cost effective 2002 Oldsmobile Intrigue insurance is available from both online companies as well as from insurance agents, so you need to quote insurance coverage with both to have the best rate selection. A few companies may not offer rates over the internet and these smaller companies provide coverage only through independent agents.

When shopping online for car insurance, it’s very important that you do not reduce needed coverages to save money. In many cases, an accident victim reduced full coverage to discover at claim time they didn’t have enough coverage. Your goal should be to buy a smart amount of coverage at the lowest possible cost, but don’t skip important coverages to save money.

You just learned many ways to save on 2002 Oldsmobile Intrigue insurance. The key concept to understand is the more rate quotes you have, the better chance you’ll have of finding cheap insurance coverage. Drivers may discover the lowest rates are with a company that doesn’t do a lot of advertising.

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