Compare 2001 Oldsmobile Aurora Insurance Quotes

Trying to find lower insurance rates for your Oldsmobile Aurora? Did a good deal turn into overpriced insurance? Believe me, there are lots of people in the same boat.

Companies like State Farm, Progressive and Geico increase brand awareness with advertising and it can be hard to ignore the promise of big savings and effectively compare rates to find the best deal.

If you have car insurance now, you stand a good chance to be able to cut costs considerably using these methods. Finding the best rates is easy if you know what you’re doing. But vehicle owners must know how big insurance companies determine prices and take advantage of how the system works.

Take policy discounts and save

Properly insuring your vehicles can get expensive, but you may be missing some discounts that you may not know about. A few discounts will be applied at quote time, but some discounts are required to be asked about before being credited. If you don’t get every credit you deserve, you are throwing money away.

• Braking Control Discount – Anti-lock brake equipped vehicles can avoid accidents so companies give up to a 10% discount.
• Resident Student – who attend college more than 100 miles from home and don’t have a car could get you a discount.
• Multiple Vehicles – Insuring multiple cars with the same auto insurance company may reduce the rate for each vehicle.
• Auto/Home Discount – If you have multiple policies and insure them with the same company you may earn up to 20% off your total premium.
• Active Military Service – Having a deployed family member could trigger a small discount.
• Own a Home and Save – Owning a home can save a few bucks because of the fact that having a home means you have a higher level of financial diligence.
• Discount for Swiching Early – A few larger companies allow discounts for renewing your policy prior to your current policy expiring. This discount can save up to 10%.
• No Accidents – Drivers who stay claim-free pay much less as compared to accident-prone drivers.

Drivers should understand that some of the credits will not apply the the whole policy. Most cut specific coverage prices like liability, collision or medical payments. Even though it appears all those discounts means the company will pay you, it’s just not the way it works.

To see a list of providers that offer discounts, click this link.

Good decisions result in lower insurance costs

Many different elements are part of the equation when premium rates are determined. Some of the criteria are obvious like your driving record, but some are not as apparent like where you live and annual miles driven.Part of the auto insurance buying process is learning some of the factors that aid in calculating auto insurance rates. When you know what positively or negatively influences your rates, this allows you to make good choices that will entitle you to lower auto insurance prices.

• Optional features can affect rates – Buying a car with an alarm system can save you a little every year. Systems that thwart theives such as OnStar, LoJack tracking, and tamper alarms all hinder auto theft.
• Don’t abuse auto insurance claims – If you are the type of insured that files lots of claims don’t be surprised to see higher premiums or even policy non-renewal. Insurance companies provide most affordable rates to policyholders that do not abuse their auto insurance. Auto insurance is intended for claims that pose a financial burden.
• What’s your car’s safety rating? – Vehicles with good safety scores get lower rates. The safest vehicles protect occupants better and lower rates of occupant injuries means lower claim amounts and more competitive rates for policyholders. If your Oldsmobile Aurora earned at least four stars on Safercar.gov or an “acceptable” rating on iihs.org you may qualify for a discount.
• Multi-policy discounts can save money – Many auto insurance companies apply discounts for people who carry more than one policy in the form of a multi-policy discount. Discounts can be ten or even fifteen percent. Even though this discount sounds good, drivers will still want to compare rates to help ensure you have the lowest rates. Drivers may still find better rates by insuring with multiple companies.
• Traffic violations cost more than a fine – Having a single citation can increase the cost of insurance forty percent or more. Good drivers tend to pay less for car insurance than their less careful counterparts. Drivers who have gotten multiple violations like hit and run, DWI or reckless driving convictions may be required to complete a SR-22 with the DMV in their state in order to prevent their license from being revoked.
• Liability is critical – A critical coverage on your policy, liability insurance will protect you in the event that you are determined to be liable for an accident. Your policy’s liability insurance provides you with a defense in court starting from day one. Carrying liability coverage is mandatory and cheap compared to comp and collision, so insureds should have plenty of protection for their assets.

Which policy gives me the best coverage?

When it comes to buying the best car insurance coverage for your personal vehicles, there really is not a perfect coverage plan. Every situation is different so your insurance should reflect that For example, these questions may help you determine whether or not you would benefit from professional advice.

• Does my policy cover my teen driver if they drive my company car?
• Is my babysitter covered when using my vehicle?
• Is business equipment covered while in my vehicle?
• How much liability do I need to cover my assets?
• How much liability insurance is required?
• What is the difference between comprehensive and collision coverage?

If you’re not sure about those questions, then you may want to think about talking to an agent. If you want to speak to an agent in your area, fill out this quick form or click here for a list of car insurance companies in your area.

Brand name doesn’t guarantee savings

Car insurance companies such as Allstate, Geico and Progressive constantly bombard you with ads in print and on television. All the ads make the same claim that drivers can save some big amount if you just switch your car insurance policy to them. How does every car insurance company sell you cheaper insurance coverage? You have to listen carefully.

All the different companies quote their best rates for the right customer they prefer to insure. An example of a profitable insured could be over the age of 50, has a clear driving record, and has great credit. A propective insured who meets those qualifications will most likely get cheap premium rates as well as save some money.

Drivers who cannot meet the “perfect” profile will probably be forced to pay higher premium rates and ends up with the customer buying from a different company. If you listen closely, the ads state “drivers who switch” but not “all drivers who get quotes” save that much. That is how companies can make those statements. Because every company is different, it’s extremely important to do a quote comparison often. It is just not possible to predict which car insurance company will fit you best based on your risk profile.

Car insurance coverages for an Oldsmobile Aurora

Having a good grasp of your car insurance policy helps when choosing which coverages you need and proper limits and deductibles. The terms used in a policy can be difficult to understand and even agents have difficulty translating policy wording. These are the normal coverages available from car insurance companies.

Comprehensive auto coverage

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

Comprehensive insurance covers things such as theft, vandalism, hitting a deer and fire damage. The most you’ll receive from a claim is the cash value of the vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Medical payments and PIP coverage

Med pay and PIP coverage provide coverage for immediate expenses such as dental work, ambulance fees and prosthetic devices. They can be used to cover expenses not covered by your health insurance policy or if you do not have health coverage. Medical payments and PIP cover all vehicle occupants and also covers if you are hit as a while walking down the street. Personal Injury Protection is only offered in select states but can be used in place of medical payments coverage

UM/UIM (Uninsured/Underinsured Motorist) coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when other motorists either are underinsured or have no liability coverage at all. This coverage pays for injuries to you and your family as well as your vehicle’s damage.

Since a lot of drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is important protection for you and your family.

Collision coverage protection

This coverage pays for damage to your Aurora caused by collision with an object or car. A deductible applies then your collision coverage will kick in.

Collision insurance covers things such as damaging your car on a curb, hitting a parking meter, crashing into a building and hitting a mailbox. This coverage can be expensive, so analyze the benefit of dropping coverage from older vehicles. Drivers also have the option to increase the deductible to save money on collision insurance.

Coverage for liability

This coverage provides protection from damage or injury you incur to other people or property that is your fault. This insurance protects YOU from claims by other people. Liability doesn’t cover your injuries or vehicle damage.

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 liability limits of 100/300/100 that translate to $100,000 in coverage for each person’s injuries, $300,000 for the entire accident, and a total limit of $100,000 for damage to vehicles and property.

Liability can pay for claims like funeral expenses, pain and suffering, emergency aid, court costs and medical expenses. How much liability coverage do you need? That is up to you, but buy as high a limit as you can afford.

Save your cold hard cash

You just learned some good ideas how you can get a better price on 2001 Oldsmobile Aurora insurance. The key concept to understand is the more price quotes you have, the higher your chance of finding cheaper insurance coverage. Drivers may discover the lowest prices are with an unexpected company. They can often provide lower rates in certain areas as compared to the big name companies such as Allstate and Progressive.

When getting insurance coverage quotes online, it’s very important that you do not sacrifice coverage to reduce premiums. In many instances, drivers have reduced comprehensive coverage or liability limits only to regret that saving that couple of dollars actually costed them tens of thousands. The proper strategy is to get the best coverage possible for the lowest cost.

Even more information is available in the articles below:

• Uninsured Motorists: Threats on the Road (Insurance Information Insitute)
• Vehicle Insurance (Wikipedia)
• When is the Right Time to Switch Car Insurance Companies? (Allstate)
• Child Safety Seats (Insurance Information Insitute)
• What Determines the Price of My Auto Insurance Policy? (Insurance Information Insitute)