How Much Does 1996 Oldsmobile Bravada Car Insurance Cost?

Want better insurance rates for your Oldsmobile Bravada? Shopping for the lowest cost insurance on the web can be challenging for consumers not familiar with price shopping online. Because there are so many insurers available, how can anyone even start to compare them all to find the lowest rates?

Buying car insurance is easy if you know what you’re doing. Basically, anyone who is shopping for car insurance will more than likely be able to cut their insurance bill. But car owners need to learn how companies market on the web and take advantage of how the system works.

The quickest method we recommend to get policy rate comparisons is to know the trick most insurance companies will pay a fee to quote your coverage. To get started, all you need to do is give them rating details such as if it has an alarm system, which vehicles you own, if you have an active license, and if you lease or own. That information is sent automatically to insurance companies and you should receive rate quotes instantly.

Do you qualify for discounts?

Companies don’t list every available discount very clearly, so here is a list both well-publicized and the harder-to-find ways to save on car insurance.

Discount for Good Grades – Performing well in school can save 20 to 25%. The discount lasts up until you turn 25.
Multiple Cars – Having all your vehicles on one policy could earn a price break for each car.
Fewer Miles Equal More Savings – Fewer annual miles on your Oldsmobile could qualify for lower rates on the low mileage vehicles.
One Accident Forgiven – Some insurance companies permit an accident without raising rates as long as you don’t have any claims for a particular time prior to the accident.
Homeowners Discount – Simply owning a home can save you money because owning a home shows financial diligence.
Anti-theft System – Vehicles with anti-theft systems are stolen less frequently and qualify for as much as a 10% discount.
Save over 55 – If you’re over the age of 55, you may qualify for a discount up to 10% for Bravada insurance.
Student in College – Kids in college who are attending college and do not have access to a covered vehicle may qualify for this discount.

As a disclaimer on discounts, many deductions do not apply to the entire cost. Some only apply to the price of certain insurance coverages like liability, collision or medical payments. So when the math indicates having all the discounts means you get insurance for free, it doesn’t quite work that way.

For a list of companies with discount car insurance rates, follow this link.

Don’t assume everyone needs the same coverage

When choosing the right insurance coverage for your vehicles, there isn’t really a one size fits all plan. Everyone’s needs are different.

These are some specific questions can help discover whether you might need professional guidance.

Who is covered when they drive my 1996 Oldsmobile Bravada?
Do I have newly-aquired coverage?
Do I have any recourse if my insurance company denies a claim?
Can I afford to pay high deductible claims out of pocket?
Does my insurance cover my expensive audio equipment?
Is my state a no-fault state?
Does my policy cover my teen driver if they drive my company car?

If you can’t answer these questions then you might want to talk to a licensed agent. To find lower rates from a local agent, complete this form.

Auto insurance policy specifics

Knowing the specifics of your auto insurance policy helps when choosing appropriate coverage and the correct deductibles and limits. The terms used in a policy can be impossible to understand and nobody wants to actually read their policy.

Collision coverage

Collision insurance covers damage to your Bravada resulting from colliding with an object or car. A deductible applies and then insurance will cover the remainder.

Collision insurance covers things like rolling your car, colliding with another moving vehicle, crashing into a ditch, colliding with a tree and crashing into a building. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are older. You can also increase the deductible to get cheaper collision coverage.

Comprehensive or Other Than Collision

This pays for damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for claims such as falling objects, a broken windshield, rock chips in glass and hitting a bird. The most you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle is not worth much consider dropping full coverage.

Medical costs insurance

Med pay and PIP coverage provide coverage for bills for hospital visits, EMT expenses, funeral costs, pain medications and prosthetic devices. They are often used in conjunction with a health insurance plan or if you lack health insurance entirely. Coverage applies to both the driver and occupants and will also cover if you are hit as a while walking down the street. PIP is only offered in select states and gives slightly broader coverage than med pay

UM/UIM Coverage

This provides protection when the “other guys” either are underinsured or have no liability coverage at all. Covered claims include medical payments for you and your occupants as well as your vehicle’s damage.

Because many people carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is very important.

Liability

This provides protection from damage that occurs to a person or their property by causing an accident. It protects YOU from claims by other people. It does not cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see liability limits of 25/50/25 that translate to $25,000 bodily injury coverage, a limit of $50,000 in injury protection per accident, and a total limit of $25,000 for damage to vehicles and property.

Liability can pay for things like bail bonds, loss of income and repair costs for stationary objects. How much liability coverage do you need? That is a personal decision, but buy as much as you can afford.