Cheaper 1998 Oldsmobile Intrigue Car Insurance Rates

Trying to find lower auto insurance rates for your Oldsmobile Intrigue? Are you a victim of overpriced auto insurance? Believe me when I say you’re not the only one. Lots of car insurance companies contend for your business, and it can be difficult to compare rates and get the definite best price available.

Save big with these discounts

Companies that sell car insurance don’t list every available discount in a way that’s easy to find, so we break down some of the best known and the more hidden insurance savings. If you aren’t receiving every discount available, you are throwing money away.

  • Anti-lock Brake Discount – Anti-lock brake equipped vehicles prevent accidents and qualify for as much as a 10% discount.
  • Life Insurance Discount – Companies who offer life insurance give lower rates if you buy a life insurance policy as well.
  • Defensive Driver – Taking a course teaching defensive driving skills could possibly earn you a 5% discount depending on where you live.
  • Seat Belts Save more than Lives – Using a seat belt and requiring all passengers to wear their seat belts can save up to 15% off the personal injury premium cost.
  • Clubs and Organizations – Belonging to a civic or occupational organization could qualify you for a break when buying insurance on Intrigue insurance.
  • Payment Method – If you pay your entire premium ahead of time instead of paying each month you can actually save on your bill.

It’s important to note that most of the big mark downs will not be given to all coverage premiums. A few only apply to individual premiums such as physical damage coverage or medical payments. Even though it may seem like it’s possible to get free car insurance, insurance companies aren’t that generous.

Companies that may offer these money-saving discounts include:

Double check with every prospective company what discounts are available to you. Some discounts might not apply in every state.

How to Compare Insurance Rates

Lowering your 1998 Oldsmobile Intrigue insurance rates is a fairly straight forward process. Drivers just need to spend a little time comparing rates provided by online insurance companies. This can be accomplished in just a few minutes using one of these methods.

  1. The easiest and least time consuming way consumers can make multiple comparisons is an all-inclusive rate comparison (click to open form in new window). This type of form eliminates the need for separate quote forms for each company you want a rate for. In just a few minutes this one form will get you rate comparisons direct from many companies.
  2. A more time consuming way to get quotes online requires visiting each company website to complete their respective quote request forms. For instance, we’ll pretend you want to compare rates from Allstate, Esurance and Geico. To get each rate you have to go to every website to input your insurance information, which is why the first method is more popular.

    To view a list of companies in your area, click here.

It’s up to you how you get prices quotes, just ensure you are comparing the exact same information for each comparison quote. If you compare different values for each quote you will not be able to truly determine the lowest rate.

Oldsmobile Intrigue insurance rates have many determining factors

Smart consumers have a good feel for the rating factors that help determine auto insurance rates. Understanding what controls the rates you pay empowers consumers to make smart changes that could result in big savings.

The following are a few of the “ingredients” used by your company to calculate premiums.

  • Safer cars cost less to insure – Cars with high safety ratings are cheaper to insure. Safe vehicles reduce injuries and lower injury rates means less money paid by your insurance company passed on to you as lower rates. If your Oldsmobile Intrigue is rated at least four stars on Safercar.gov or an “acceptable” rating on iihs.org you may qualify for a discount.
  • How’s your driving record? – Even one moving violation may increase your cost twenty percent or more. Drivers with clean records tend to pay less for car insurance than people who have multiple driving citations. If you have severe violations like hit and run, DWI or reckless driving convictions may find they need to file a proof of financial responsibility form (SR-22) with the DMV in their state in order to drive a vehicle legally.
  • Your car’s features help determine rates – Owning a car with a theft deterrent system can get you a discount on your auto insurance. Theft prevention features such as LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system can help prevent your car from being stolen.
  • Do you need the policy add-ons? – There are many extra coverages you can purchase when buying auto insurance. Coverages for roadside assistance, better glass coverage and additional equipment coverage may be wasting your money. These may sound like a good investment when talking to your agent, but now you might not need them so eliminate them to save money.
  • Being married can save on auto insurance – Having a wife or husband helps lower the price on your policy. It usually means you are more mature and responsible and statistics show drivers who are married are more cautious.
  • High deductibles save money – Your deductibles define the amount you are willing to pay in the event of a claim. Insurance for physical damage to your car, commonly called comprehensive (or other-than-collision) and collision coverage, covers damage that occurs to your car. Examples of covered claims are running into the backend of another car, collision with an animal, and rolling your vehicle. The more expense you’re willing to pay, the bigger discount you will receive on Intrigue insurance.
  • Males pay more for insurance – Statistics demonstrate that men are more aggressive behind the wheel. That doesn’t necessarily mean that women are better drivers. They both tend to get into accidents in similar numbers, but the men cause more damage. Men also statistically have more aggressive citations like DUI and reckless driving. Youthful male drivers are the most expensive to insure and thus pay the highest rates.

But I don’t know anything about car insurance

When it comes to buying coverage, there really is not a “best” method to buy coverage. Every insured’s situation is different so your insurance needs to address that. For instance, these questions can help discover if your situation might need an agent’s assistance.

  • Is my custom paint covered by insurance?
  • Are there companies who specialize in insuring high-risk drivers?
  • Is my teen driver covered when they drive my company car?
  • Is a blown tire covered by insurance?
  • If my pet gets injured in an accident are they covered?
  • Do I need to file an SR-22 for a DUI in my state?
  • Should I have combined single limit or split liability limits?
  • Can I pay claims out-of-pocket if I buy high deductibles?

If it’s difficult to answer those questions, you may need to chat with an insurance agent. To find lower rates from a local agent, complete this form or go to this page to view a list of companies. It only takes a few minutes and may give you better protection.

Specifics of your auto insurance policy

Knowing the specifics of your auto insurance policy can be of help when determining the best coverages at the best deductibles and correct limits. The coverage terms in a policy can be ambiguous and reading a policy is terribly boring. Listed below are typical coverages available from auto insurance companies.

Coverage for medical payments

Coverage for medical payments and/or PIP provide coverage for bills for things like EMT expenses, nursing services, ambulance fees and surgery. The coverages can be utilized in addition to your health insurance plan or if there is no health insurance coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants and also covers getting struck while a pedestrian. PIP is only offered in select states but can be used in place of medical payments coverage

Comprehensive coverages

This coverage pays for damage that is not covered by collision coverage. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things such as rock chips in glass, a broken windshield, damage from getting keyed and vandalism. The maximum payout your auto insurance company will pay is the actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Coverage for collisions

Collision insurance pays for damage to your Intrigue resulting from colliding with another car or object. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims such as scraping a guard rail, crashing into a ditch, sustaining damage from a pot hole, driving through your garage door and colliding with another moving vehicle. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are older. You can also bump up the deductible to save money on collision insurance.

Liability coverages

Liability coverage can cover damage that occurs to people or other property that is your fault. This insurance protects YOU against other people’s claims. 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 policy limits of 50/100/50 which means a limit of $50,000 per injured person, a per accident bodily injury limit of $100,000, and a limit of $50,000 paid for damaged property.

Liability coverage pays for things like emergency aid, legal defense fees, pain and suffering, funeral expenses and medical services. How much coverage you buy is your choice, but it’s cheap coverage so purchase as large an amount as possible.

Uninsured and underinsured coverage

This protects you and your vehicle from other motorists when they either have no liability insurance or not enough. This coverage pays for injuries sustained by your vehicle’s occupants and also any damage incurred to your Oldsmobile Intrigue.

Due to the fact that many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is important protection for you and your family.

Save your hard earned cash

You just read a lot of techniques to lower your 1998 Oldsmobile Intrigue insurance rates. It’s most important to understand that the more price quotes you have, the higher your chance of finding lower rates. You may even find the lowest premiums are with a small mutual company. Smaller companies may often insure only within specific states and give getter rates than the large multi-state companies such as Progressive and Geico.

As you shop your coverage around, never reduce coverage to reduce premium. Too many times, someone sacrificed full coverage only to find out that the savings was not a smart move. Your aim should be to buy the best coverage you can find for the lowest price, not the least amount of coverage.

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