2003 Oldsmobile Bravada Insurance Rates – 8 Ways to Save

Looking for the cheapest insurance rates for your Oldsmobile Bravada? Paying cheap coverage rates for insurance can seem to be nearly impossible for drivers who are beginners to quoting coverage prices online. Drivers have so many options available that it can easily be a real difficult job to locate the lowest coverage rates.

You need to take a look at other company’s rates once or twice a year because prices are constantly changing. If you had the best rate for Bravada coverage at your last renewal you may be paying too much now. Ignore everything you know about insurance because you’re going to get a crash course in how to quote online to find lower rates on insurance.

If you have car insurance now, you will be able to cut costs considerably using this information. Shopping for affordable protection is not that difficult. But car owners do need to understand how the larger insurance companies market on the web because it can help you find the best coverage.

Get cheap auto insurance with discounts

Auto insurance companies do not advertise the complete list of policy discounts in a way that’s easy to find, so we break down a few of the more well known and also the lesser-known discounts that you may qualify for.

• Distant Student – living away from home attending college and leave their car at home could qualify for this discount.
• Early Payment Discounts – If you can afford to pay the entire bill instead of monthly or quarterly installments you could save 5% or more.
• Telematics Data – Insureds that choose to allow companies to study their driving habits by using a small device installed in their vehicle such as Progressive’s Snapshot might get better premium rates as long as the data is positive.
• Early Signing – Select insurance companies give a discount for renewing your policy prior to your current policy expiring. It could save around 10% when you buy insurance coverage online.
• Active Service Discounts – Being deployed with a military unit can result in better prices.
• Passenger Safety Discount – Vehicles equipped with air bags and/or automatic seat belt systems can get savings as much as 30%.
• Accident Forgiveness – Not really a discount, but companies like Geico, Allstate and Liberty Mutual will turn a blind eye to one accident before your rates go up if you are claim-free for a certain period of time.
• Good Student – Maintaining excellent grades can save 20 to 25%. The good student discount can last well after school through age 25.

Don’t be shocked that most credits do not apply to your bottom line cost. The majority will only reduce specific coverage prices like collision or personal injury protection. So despite the fact that it appears all the discounts add up to a free policy, companies wouldn’t make money that way.

Auto insurance companies that may offer policyholders many of the previously listed discounts may include but are not limited to:

• State Farm
• Esurance
• Progressive
• Liberty Mutual
• Auto-Owners Insurance
• Geico

Double check with every prospective company which discounts you may be entitled to. Some discounts might not be offered on policies in your area. To see providers that can offer you the previously mentioned discounts, follow this link.

Tailor your car insurance coverage to you

When choosing the right insurance coverage for your personal vehicles, there really is no cookie cutter policy. Coverage needs to be tailored to your specific needs.

For example, these questions might point out whether your personal situation would benefit from professional advice.

• What vehicles should carry emergency assistance coverage?
• Do I need PIP coverage since I have good health insurance?
• Where can I get insurance after a DUI in my state?
• Can I pay claims out-of-pocket if I buy high deductibles?
• Am I covered when driving a rental car?
• Am I covered when using my vehicle for business?
• Should I have combined single limit or split liability limits?
• Does car insurance cover theft of personal property?

If you don’t know the answers to these questions but you know they apply to you, then you may want to think about talking to a licensed insurance agent. If you want to speak to an agent in your area, fill out this quick form.

Detailed coverages of your car insurance policy

Understanding the coverages of your policy can be of help when determining which coverages you need and the correct deductibles and limits. The terms used in a policy can be ambiguous and reading a policy is terribly boring.

Uninsured/Underinsured Motorist coverage – This provides protection from other motorists when they either are underinsured or have no liability coverage at all. Covered claims include injuries sustained by your vehicle’s occupants as well as damage to your 2003 Oldsmobile Bravada.

Since many drivers have only the minimum liability required by law, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Collision coverage – This coverage pays to fix your vehicle from damage from colliding with an object or car. You first must pay a deductible then your collision coverage will kick in.

Collision coverage protects against things such as crashing into a building, crashing into a ditch, colliding with a tree and damaging your car on a curb. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are 8 years or older. You can also choose a higher deductible to get cheaper collision coverage.

Comprehensive coverage – Comprehensive insurance will pay to fix damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things such as hitting a deer, rock chips in glass, a broken windshield, vandalism and fire damage. The maximum amount a car insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Medical payments coverage and PIP – Coverage for medical payments and/or PIP kick in for bills such as dental work, rehabilitation expenses and chiropractic care. They are often utilized in addition to your health insurance plan or if you lack health insurance entirely. It covers you and your occupants in addition to any family member struck as a pedestrian. PIP coverage is not universally available and may carry a deductible

Auto liability – Liability insurance protects you from injuries or damage you cause to a person or their property that is your fault. 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 policy limits of 25/50/25 which stand for a $25,000 limit per person for injuries, $50,000 for the entire accident, and a total limit of $25,000 for damage to vehicles and property.

Liability coverage pays for claims such as structural damage, repair costs for stationary objects and bail bonds. The amount of liability coverage you purchase is a decision to put some thought into, but it’s cheap coverage so purchase as large an amount as possible.

More quotes mean more savings

We covered many ideas to lower your 2003 Oldsmobile Bravada insurance car insurance rates. The most important thing to understand is the more you quote insurance coverage, the better likelihood of getting inexpensive insurance coverage. You may even discover the lowest car insurance rates are with a small local company.

Affordable 2003 Oldsmobile Bravada insurance can be sourced online and also from your neighborhood agents, so get free insurance coverage quotes from both of them so you have a total pricing picture. Some companies may not have price quotes online and most of the time these smaller providers sell through local independent agents.

When you buy insurance coverage online, you should never buy poor coverage just to save money. In too many instances, an insured cut liability coverage limits only to regret that it was a big mistake. Your goal is to find the BEST coverage at the best cost while not skimping on critical coverages.

Other learning opportunities

• Liability Insurance Coverage (Nationwide)
• Steps to Take After an Auto Accident (Insurance Information Insitute)
• Prepare your Teens for Safe Driving (InsureUonline.org)
• Event Data Recorders FAQ (iihs.org)
• Rental Car Insurance Tips (Insurance Information Insitute)
• Teen Driving Statistics (iihs.org)