Compare 1998 Oldsmobile Intrigue Insurance Cost

Trying to find lower insurance rates for your Oldsmobile Intrigue? Searching for low-cost insurance for a new or used Oldsmobile Intrigue can normally be a lot of work, but you can follow these tips and make it easy.

There is a right way and a wrong way to find insurance online so we’re going to tell you the proper way to compare rates for a Oldsmobile and locate the cheapest rates.

Buying affordable insurance coverage is not that difficult. If you have a current insurance policy or need new coverage, you can learn to find the best rates while maintaining coverages. Consumers just need to understand the most effective way to compare price quotes online.

Informed consumers save on insurance

Lots of things are used in the calculation when you get a price on insurance. Some are pretty understandable such as your driving record, but some are more obscure like your continuous coverage or your commute time.An important part of buying insurance is that you know the different types of things that help calculate your premiums. When you understand what impacts premium levels, this empowers consumers to make smart changes that can help you get big savings.

Shown below are some of the items that factor into prices.

• Premiums are high for teenagers – Older insureds tend to be more responsible, cause fewer claims and accidents and are safer drivers.Drivers with little experience are statistically proven to be inattentive and easily distracted when at the wheel of a vehicle and because of this, their car insurance rates are much higher.
• Your car’s features help determine car insurance rates – Owning a car with an alarm system can earn a premium discount. Advanced theft deterrents like GM’s OnStar, tamper alarm systems and vehicle immobilizers help track and prevent vehicle theft.
• Prevent policy lapses – Driving any period of time without insurance can get your license suspended and as a result your rates will increase for letting your coverage have a gap. In addition to paying higher premiums, getting caught without coverage could earn you fines and jail time.
• Are males or females drivers cheaper? – Statistics show women tend to be less risk to insure than men. The data does not necessarily mean that males are worse at driving than females. Women and men cause at-fault accidents at about the same rate, but the men have costlier accidents. Not only are claims higher, but men get cited for more serious violations such as driving while intoxicated (DWI) or driving recklessly.
• Big cities mean more claims – Living in small towns and rural areas is a good thing when buying car insurance. Lower population means reduced accidents and also fewer theft and vandalism claims. People in densly populated areas tend to have congested traffic and much longer commute distances. Longer commute distances means more chances of being involved in an auto accident.
• Stress out and pay more – Did you know your occupation can influence how much you pay for car insurance? Occupations like fire fighters, executives and accountants are shown to have higher average rates in part from job stress and incredibly demanding work hours. On the flip side, professions such as professors, historians and the unemployed pay the least for Intrigue insurance.
• Accidents can be expensive – Getting just one speeding ticket or other violation may cause rates to rise by twenty percent. Drivers with clean records get better prices compared to bad drivers. People who have serious violations like DUI or reckless driving may face state-mandated requirements to prove financial responsibility with their state’s licensing department in order to legally drive a vehicle.
• Fewer miles means better rates – The higher the miles on your Oldsmobile in a year’s time the higher your rates will be. A lot of companies charge rates based upon how much you drive. Vehicles that have low annual miles can be on a lower rate level as compared to vehicles used primarily for driving to work. Having an incorrect usage rating on your Intrigue is throwing money out the window. Ask your agent if your declarations sheet is showing the right rating data, because improper ratings can cost you money.

More discounts mean cheap premiums

Some companies don’t always advertise all available discounts very well, so below is a list some of the best known and the more hidden ways to save on car insurance.

• Cautious Driver Discount – Accident-free drivers can pay as much as 50% less for Intrigue insurance compared to rates paid by drivers with frequent claims.
• Payment Discounts – If you pay your bill all at once instead of paying each month you can actually save on your bill.
• Renewal Discounts – Select insurance companies give a discount for buying a new policy before your current coverage expires. Ten percent is about the average savings.
• Accident Forgiveness – Not really a discount, but certain companies will forgive one accident without raising rates if you are claim-free for a certain period of time.
• Low Miles Discount – Low annual miles can qualify you for lower prices on the low mileage vehicles.
• Good Student – Excelling in school may save you up to 25%. Many companies even apply the discount to college students up to age 25.
• More Vehicles More Savings – Insuring multiple vehicles on the same car insurance policy could earn a price break for each car.
• Homeowners Discount – Owning a house may earn you a small savings since home ownership requires a higher level of personal finance.

A little disclaimer on discounts, most discount credits are not given to the entire cost. A few only apply to the cost of specific coverages such as liability and collision coverage. Despite the appearance that having all the discounts means you get insurance for free, that’s just not realistic.

Car insurance companies that may offer policyholders some of the discounts shown above possibly include:

• Geico
• USAA
• Progressive
• American Family
• Esurance
• Farmers Insurance
• State Farm

Before you buy a policy, ask each company or agent how many discounts you can get. Some discounts listed above may not apply to policies in your area. To choose insurance companies that offer the discounts shown above, follow this link.

It’s not one size fits all

When it comes to buying proper insurance coverage, there is no cookie cutter policy. Each situation is unique.

For instance, these questions can aid in determining if your situation could use an agent’s help.

• Why am I required to buy liability insurance?
• Should I drop comprehensive coverage on older vehicles?
• Do I have coverage when making deliveries for my home business?
• Can my babysitter drive my car?
• Do I need an umbrella policy?
• What are the financial responsibility laws in my state?

If you can’t answer these questions but you think they might apply to your situation, you may need to chat with a licensed insurance agent. To find an agent in your area, fill out this quick form. It is quick, free and can help protect your family.

Specific coverage details

Learning about specific coverages of car insurance can help you determine appropriate coverage and the correct deductibles and limits. Car insurance terms can be difficult to understand and coverage can change by endorsement.

Auto liability insurance – This will cover injuries or damage you cause to other’s property or people. It protects you from claims by other people, and doesn’t cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see values of 25/50/25 that means you have $25,000 bodily injury coverage, a total of $50,000 of bodily injury coverage per accident, and a limit of $25,000 paid for damaged property. Another option is one number which is a combined single limit which provides one coverage limit without having the split limit caps.

Liability can pay for claims such as court costs, funeral expenses, pain and suffering and emergency aid. How much liability coverage do you need? That is a decision to put some thought into, but consider buying as much as you can afford.

Comprehensive insurance – Comprehensive insurance coverage pays to fix your vehicle from damage that is not covered by collision coverage. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against claims such as a tree branch falling on your vehicle, rock chips in glass, theft, a broken windshield and vandalism. The highest amount you’ll receive from a claim is the actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Collision – Collision coverage pays for damage to your Intrigue from colliding with another car or object. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision insurance covers things like colliding with a tree, hitting a parking meter and scraping a guard rail. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are 8 years or older. Drivers also have the option to raise the deductible in order to get cheaper collision rates.

Uninsured/Underinsured Motorist (UM/UIM) – This coverage protects you and your vehicle when the “other guys” either are underinsured or have no liability coverage at all. This coverage pays for injuries sustained by your vehicle’s occupants as well as damage to your Oldsmobile Intrigue.

Since many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is a good idea. Usually these limits are similar to your liability insurance amounts.

Med pay and Personal Injury Protection (PIP) – Coverage for medical payments and/or PIP kick in for immediate expenses such as chiropractic care, surgery and funeral costs. They are used to fill the gap from your health insurance plan or if you lack health insurance entirely. They cover both the driver and occupants as well as if you are hit as a while walking down the street. PIP is not an option in every state but can be used in place of medical payments coverage

One last thing

In this article, we covered some good ideas how you can lower your 1998 Oldsmobile Intrigue insurance rates. The key thing to remember is the more rate comparisons you have, the more likely it is that you will get a better rate. Consumers may even find the best rates are with some of the smallest insurance companies.

Cost effective 1998 Oldsmobile Intrigue insurance is possible on the web as well as from insurance agents, so you need to shop insurance coverage with both to have the best chance of lowering rates. Some insurance companies do not offer rates over the internet and these small, regional companies sell through independent insurance agents.

When trying to cut insurance costs, it’s very important that you do not skimp on critical coverages to save a buck or two. There have been many cases where drivers have reduced collision coverage only to find out that the small savings ended up costing them much more. Your objective should be to buy a smart amount of coverage at the best cost while still protecting your assets.

To learn more, feel free to browse the articles below:

• State Laws for Cellphones and Texting (iihs.org)
• Where can I buy Insurance? (Insurance Information Insitute)
• Safety Features for Your New Car (State Farm)
• Alcohol Impaired Driving FAQ (iihs.org)
• Teen Driving Statistics (Geico)
• Vehicle Safety Ratings (iihs.org)