2003 Oldsmobile Aurora Car Insurance Cost

Searching for better car insurance rates for your Oldsmobile Aurora? Shopping for lower-cost car insurance can be rather challenging for consumers who are new to buying insurance on the web. With such a large number of insurers available, how are consumers able to be able to compare every one to find lower car insurance premiums?

It’s a great practice to do rate comparisons once or twice a year since rates trend upward over time. Despite the fact that you may have had the best rate on Aurora coverage two years ago you may be paying too much now. Block out anything you think you know about car insurance because you’re about to learn the best way to buy cheaper car insurance.

If you currently have a car insurance policy, you will most likely be able to reduce your rates substantially using these techniques. This information will help educate you on the best way to quote coverages and some tricks to saving. Although vehicle owners do need to learn the methods companies use to market insurance on the web and use this information to your advantage.

How to shop insurance online

There are a variety of methods to compare insurance prices but one way is less labor-intensive and much quicker. You could spend the better part of a day discussing policy coverages with insurance companies in your area, or you can stay home and use online quoting for quick rates.

Many companies belong to a marketplace that enables customers to only type in their quote data once, and each company can provide price quotes based on that data. This system prevents you from having to do quote requests to each individual insurance company.

To use this form to compare rates click here to open in new window.

The one disadvantage to pricing coverage this way is you can’t choose the providers you want pricing from. So if you prefer to pick specific insurance companies to compare, we put together a list of companies who write insurance in your area. View list of insurance companies.

You can use whichever method you prefer to find lower rates, just do your best to enter exactly the same coverage data with each company. If you have different liability limits it will be impossible to determine which rate is truly the best. Just a small difference in insurance coverages can result in a big premium difference. It’s important to know that quoting more increases your odds of finding more affordable rates.

Smart consumers save more

The best way to find cheaper insurance is to take a look at some of the elements that help calculate the level of your policy premiums. When you understand what controls the rates you pay, this allows you to make educated decisions that can earn you lower insurance prices. Multiple criteria are considered when quoting car insurance. Some are pretty understandable such as your driving history, but other criteria are not as apparent such as your credit history or your vehicle rating.

  • Optional features that lower rates – Choosing a vehicle with a theft deterrent system can get you a discount on your insurance. Systems that thwart theives such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar can help prevent car theft and help bring rates down.
  • Save miles and save money – Driving a lot of miles annually the more you’ll pay to insure your vehicle. A lot of companies rate vehicles partially by how you use the vehicle. Autos that do not get driven very much receive lower rates compared to those used for work or business. Verify your insurance policy states the correct driver usage. A policy that improperly rates your Aurora can cost quite a bit.
  • Older drivers pay less – Older insureds are proven to be safer behind the wheel, tend to file fewer claims and tend to be get fewer driving tickets.Teenage drivers are known to be less responsible in a vehicle so they pay higher insurance rates.
  • An active claims history can cost you – If you are the type of insured that files lots of claims you can expect higher premiums or even policy non-renewal. Car insurance companies generally give the lowest premiums to insureds who only file infrequent claims. Insurance coverage is designed for major claims that would cause financial hardship.
  • Liability protection limits should be high – The liability section of your policy will afford coverage if you are ruled to be at fault for physical damage or personal injury to other. Your policy’s liability insurance provides you with a defense in court up to the limits shown on your policy. Liability insurance is pretty cheap when compared with rates for comp and collision, so insureds should have plenty of protection for their assets.

Verify you’re earning every discount

Car insurance companies don’t always publicize all disounts in an easy-to-find place, so the following list contains a few of the more well known and the harder-to-find credits available to bring down your rates.

  • Multi-policy Discount – If you insure your home and vehicles with the same company you could save up to 20% and get you affordable insurance coverage.
  • Theft Deterent Discount – Cars and trucks optioned with advanced anti-theft systems are stolen less frequently so companies will give you a small discount.
  • Cautious Driver Discounts – Accident-free drivers may save up to 50% more on Aurora coverage than drivers with accidents.
  • Claim-Free Discount – Insureds with no claims or accidents can earn big discounts in comparison to frequent claim filers.
  • Waiver for an Accident – Not necessarily a discount, but some insurance companies will let one accident slide before hitting you with a surcharge if you are claim-free for a set time period.

You can save money using discounts, but most of the big mark downs will not be given to the entire policy premium. Some only reduce individual premiums such as liability and collision coverage. So despite the fact that it appears you would end up receiving a 100% discount, you aren’t that lucky.

Large car insurance companies and some of the premium reductions they offer include:

  • Geico may offer discounts for membership and employees, emergency military deployment, anti-lock brakes, defensive driver, good student, and daytime running lights.
  • Auto-Owners Insurance offers discounts including safe driver, anti-theft, teen driver, group or association, and mature driver.
  • American Family offers premium reductions for multi-vehicle, Steer into Savings, good driver, good student, and accident-free.
  • Esurance includes discounts for good student, online quote, Pac-12 alumni, DriveSense, online shopper, Switch & Save, and good driver.
  • Progressive may include discounts for good student, continuous coverage, online quote discount, homeowner, online signing, multi-vehicle, and multi-policy.
  • State Farm has savings for accident-free, anti-theft, multiple autos, defensive driving training, student away at school, Steer Clear safe driver discount, and passive restraint.
  • AAA may have discounts that include multi-policy, pay-in-full, AAA membership discount, multi-car, and good driver.

When quoting, ask all the companies how many discounts you can get. A few discounts may not apply to policies in your area. To locate providers that offer some of these discounts, click this link.

When should I discuss my situation with an agent?

When buying the right insurance coverage for your personal vehicles, there is no “best” method to buy coverage. Everyone’s situation is unique.

For example, these questions might help in determining if you would benefit from professional advice.

  • Is business property covered if stolen from my car?
  • Do I need replacement cost coverage on my 2003 Oldsmobile Aurora?
  • Do I need PIP (personal injury protection) coverage in my state?
  • How does medical payments coverage work?
  • Do I need more liability coverage?
  • How high should my medical payments coverage be?
  • What vehicles should carry emergency assistance coverage?
  • Do I have coverage for damage caused while driving under the influence?
  • What is the ISO rating for a 2003 Oldsmobile Aurora?

If you’re not sure about those questions but you think they might apply to your situation, you might consider talking to an insurance agent. If you don’t have a local agent, fill out this quick form.

Car insurance coverages for a 2003 Oldsmobile Aurora

Having a good grasp of auto insurance can be of help when determining the best coverages and proper limits and deductibles. The terms used in a policy can be ambiguous and coverage can change by endorsement.

Comprehensive insurance

This pays for damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims like hitting a bird, theft, rock chips in glass, damage from flooding and a tree branch falling on your vehicle. The highest amount your auto insurance company will pay is the ACV or actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Med pay and Personal Injury Protection (PIP)

Medical payments and Personal Injury Protection insurance pay for short-term medical expenses like doctor visits, rehabilitation expenses, pain medications, dental work and surgery. The coverages can be used to cover expenses not covered by your health insurance plan or if you lack health insurance entirely. Coverage applies to both the driver and occupants and will also cover any family member struck as a pedestrian. PIP coverage is not universally available and may carry a deductible

Auto collision coverage

Collision coverage will pay to fix damage to your Aurora from colliding with another car or object. A deductible applies and then insurance will cover the remainder.

Collision can pay for claims such as driving through your garage door, rolling your car, scraping a guard rail and crashing into a building. This coverage can be expensive, so consider dropping it from older vehicles. It’s also possible to bump up the deductible to get cheaper collision coverage.

Liability coverages

Liability insurance will cover damage that occurs to a person or their property by causing an accident. This coverage protects you against claims from other people. Liability doesn’t cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have values of 100/300/100 that means you have $100,000 in coverage for each person’s injuries, a total of $300,000 of bodily injury coverage per accident, and a limit of $100,000 paid for damaged property.

Liability insurance covers claims like loss of income, pain and suffering and legal defense fees. How much coverage you buy is up to you, but consider buying as large an amount as possible.

Uninsured/Underinsured Motorist (UM/UIM)

This coverage protects you and your vehicle when other motorists are uninsured or don’t have enough coverage. Covered losses include injuries sustained by your vehicle’s occupants as well as damage to your 2003 Oldsmobile Aurora.

Since many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Power to the consumer

Cheaper auto insurance can be sourced both online and also from your neighborhood agents, so you need to quote insurance coverage with both to have the best chance of lowering rates. Some auto insurance companies may not provide the ability to get a quote online and usually these regional carriers only sell through independent agents.

While you’re price shopping online, never skimp on critical coverages to save a buck or two. In many instances, someone dropped comprehensive coverage or liability limits only to find out they didn’t have enough coverage. Your goal is to buy enough coverage at the best cost.

In this article, we presented quite a bit of information on how to reduce 2003 Oldsmobile Aurora insurance prices online. The most important thing to understand is the more you quote insurance coverage, the more likely it is that you will get a better rate. Consumers could even find that the lowest priced auto insurance comes from the smaller companies.

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