How Much Does 1994 Oldsmobile Bravada Car Insurance Cost?

Are you a victim of an overpriced insurance policy? Trust us, you are not the only one feeling buyer’s remorse. Drivers have so many insurance companies to purchase coverage from, and although it’s a good thing to have a selection, it can be more difficult to get the best deal.

How to Lower Your Auto Insurance Cost

All major auto insurance companies like Allstate and Progressive allow you to get prices online. The process doesn’t take much effort as you just type in the coverage amounts you desire as detailed in the form. When the form is submitted, the company’s rating system automatically orders your credit score and driving record and returns a price. Being able to quote online helps simplify price comparisons, but the process of having to visit different websites and complete many quote forms can get tiresome after awhile. But it’s absolutely necessary to perform this step in order to find lower prices.

A more efficient way to get multiple rate quotes utilizes a single form to return rates from a lot of companies. This type of form saves time, eliminates repetitive work, and makes online shopping much more efficient. After sending the form, it is quoted and you can choose any or none of the resulting price quotes.

If you find a better price it’s easy to complete the application and purchase coverage. This process can be completed in less than 10 minutes and may result in a nice savings.

If you want to get comparison pricing now, click here and submit your coverage information. If you have coverage now, it’s recommended you complete the form with your coverages exactly as shown on your declarations page. Doing this guarantees you will receive rate quotes based on similar coverages.

These discounts can lower your rates

Insuring your vehicles can cost a lot, but there could be available discounts to help offset the cost. Certain discounts will be triggered automatically when you complete an application, but a few need to be requested specifically before you will receive the discount. If they aren’t giving you every credit you qualify for, you’re paying more than you need to.

• Braking Control Discount – Vehicles equipped with ABS or steering control are safer to drive and earn discounts up to 10%.
• Employee of Federal Government – Employees or retirees of the government can save as much as 8% for Bravada insurance depending on your company.
• Accident Free – Drivers with accident-free driving histories can save substantially when compared with bad drivers.
• Life Insurance – Larger companies have better rates if you take out a life insurance policy as well.
• Drive Less and Save – Low mileage vehicles could qualify for a substantially lower rate.
• Discount for New Cars – Adding a new car to your policy can cost up to 25% less compared to insuring an older model.

Consumers should know that some credits don’t apply to the overall cost of the policy. Some only reduce individual premiums such as liability and collision coverage. Even though it may seem like all those discounts means the company will pay you, companies don’t profit that way. Any qualifying discounts will cut your premiums.

To see a list of companies with discount car insurance rates, click here to view.

Different people need different coverages

When it comes to buying proper insurance coverage, there really is no “best” method to buy coverage. Every situation is different so your insurance needs to address that. For instance, these questions may help highlight if your insurance needs would benefit from professional advice.

• If I drive on a suspended license am I covered?
• Should I have combined single limit or split liability limits?
• Will my insurance pay for OEM parts?
• Am I covered when driving someone else’s vehicle?
• Am I covered if my car is in a flood?
• How can I get high-risk coverage after a DUI?
• How do I file an SR-22 for a DUI in my state?

If you’re not sure about those questions, then you may want to think about talking to a licensed insurance agent. To find lower rates from a local agent, simply complete this short form or you can go here for a list of companies in your area. It is quick, free and may give you better protection.

Parts of your car insurance policy

Learning about specific coverages of a car insurance policy can be of help when determining the best coverages and proper limits and deductibles. Car insurance terms can be confusing and nobody wants to actually read their policy. Listed below are the usual coverages offered by car insurance companies.

Comprehensive car insurance – Comprehensive insurance covers damage from a wide range of events other than collision. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive insurance covers things such as fire damage, damage from a tornado or hurricane, hitting a bird and a broken windshield. The maximum amount your car insurance company will pay is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Liability coverage – This protects you from damage that occurs to other’s property or people by causing an accident. It protects you against claims from other people. Liability doesn’t cover your injuries or vehicle damage.

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 might see liability limits of 25/50/25 which stand for a limit of $25,000 per injured person, $50,000 for the entire accident, and a total limit of $25,000 for damage to vehicles and property. Alternatively, you may have one limit called combined single limit (CSL) which provides one coverage limit with no separate limits for injury or property damage.

Liability can pay for things like medical services, loss of income and structural damage. The amount of liability coverage you purchase is your choice, but buy as large an amount as possible.

Coverage for medical expenses – Med pay and PIP coverage reimburse you for immediate expenses such as hospital visits, chiropractic care, pain medications and dental work. They can be utilized in addition to your health insurance policy or if you are not covered by health insurance. It covers you and your occupants as well as if you are hit as a while walking down the street. Personal injury protection coverage is not universally available and may carry a deductible

Collision coverages – This coverage covers damage to your Bravada resulting from colliding with an object or car. A deductible applies then your collision coverage will kick in.

Collision coverage pays for things such as scraping a guard rail, backing into a parked car and hitting a mailbox. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Another option is to increase the deductible in order to get cheaper collision rates.

Coverage for uninsured or underinsured drivers – This coverage provides protection when the “other guys” do not carry enough liability coverage. Covered losses include medical payments for you and your occupants as well as damage to your Oldsmobile Bravada.

Since a lot of drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage should not be overlooked. Normally these limits are set the same as your liablity limits.