1991 Oldsmobile Bravada Insurance Quotes – 7 Ideas for Cheaper Rates

Locating the cheapest insurance for an Oldsmobile Bravada can turn out to be a lot of work, but you can learn these tips to make it easier.

There are both good and bad ways to compare car insurance rates so you’re going to learn the absolute fastest way to price shop coverage for a Oldsmobile and get the cheapest rates either online or from local insurance agents.

Policy discounts you shouldn’t miss

Insurance can cost an arm and a leg, buy you may qualify for discounts to cut the cost considerably. Some trigger automatically when you complete an application, but a few need to be inquired about in order for you to get them. If you aren’t receiving every discount available, you are paying more than you should be.

  • Pay Now and Pay Less – If paying your policy premium upfront instead of making monthly payments you could save 5% or more.
  • More Vehicles More Savings – Buying insurance for multiple cars or trucks on one policy may reduce the rate for each vehicle.
  • Good Student Discount – This discount can be rewarded with saving of up to 25%. This discount can apply up to age 25.
  • Seat Belts Save more than Lives – Using a seat belt and requiring all passengers to use a seat belt can save up to 15% on the medical payments or PIP coverage costs.
  • Accident Waiver – Certain companies permit an accident before raising your premiums as long as you don’t have any claims for a certain period of time.
  • Service Members Pay Less – Being deployed with a military unit can result in better rates.
  • Save with a New Car – Buying coverage on a new vehicle is cheaper since new cars are generally safer.

It’s important to understand that many deductions do not apply to the overall cost of the policy. Some only reduce individual premiums such as liability, collision or medical payments. Just because you may think all the discounts add up to a free policy, it doesn’t quite work that way. But all discounts will reduce the cost of coverage.

To see a list of insurers who offer insurance coverage discounts, click here.

Insurance myths debunked

Consumers constantly see and hear ads that promise big savings from the likes of Progressive, Allstate and Geico. They all make an identical promise that you can save after switching your coverage to them.

But how can every company make almost identical claims?

Different companies have a preferred profile for the type of driver that earns them a profit. A good example of a preferred risk could be between the ages of 30 and 50, insures multiple vehicles, and drives newer vehicles. Any new insured that hits that “sweet spot” will get the preferred rates and is almost guaranteed to save quite a bit of money when switching.

Consumers who don’t meet the “perfect” profile must pay a more expensive rate and ends up with business not being written. The ads say “drivers who switch” not “everybody who quotes” save that much money. That is how insurance companies can advertise the savings.

This illustrates why you need to get as many comparisons as possible. It’s just too difficult to predict which insurance company will provide you with the cheapest Oldsmobile Bravada insurance rates.

Insurance agents can help

When buying the best auto insurance coverage for your vehicles, there really is not a “perfect” insurance plan. Your needs are not the same as everyone else’s.

These are some specific questions may help highlight if you might need professional guidance.

  • Is my dog or cat covered if injured in an accident?
  • Am I covered if I drive in a foreign country?
  • How do I insure my teen driver?
  • What is the minimum liability in my state?
  • Does my 1991 Oldsmobile Bravada qualify for pleasure use?
  • Can I make deliveries for my home business?

If you don’t know the answers to these questions then you might want to talk to a licensed insurance agent. If you want to speak to an agent in your area, take a second and complete this form. It is quick, free and can help protect your family.

Educate yourself about insurance coverages

Having a good grasp of insurance aids in choosing the right coverages and proper limits and deductibles. The terms used in a policy can be ambiguous and nobody wants to actually read their policy.

Comprehensive coverage (or Other than Collision)

This coverage covers damage that is not covered by collision coverage. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things like falling objects, hitting a bird, a broken windshield and theft. The highest amount you’ll receive from a claim is the market value of your vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Auto liability

Liability insurance protects you from damage or injury you incur to people or other property. Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see limits of 50/100/50 that means you have a $50,000 limit per person for injuries, $100,000 for the entire accident, and property damage coverage for $50,000. Some companies may use one limit called combined single limit (CSL) that pays claims from the same limit rather than limiting it on a per person basis.

Liability coverage protects against claims like emergency aid, repair costs for stationary objects and medical services. How much liability coverage do you need? That is your choice, but buy higher limits if possible.

Insurance for medical payments

Med pay and PIP coverage pay for bills for things like prosthetic devices, chiropractic care and EMT expenses. They are often used in conjunction with a health insurance plan or if you do not have health coverage. Medical payments and PIP cover you and your occupants and will also cover if you are hit as a while walking down the street. Personal Injury Protection is only offered in select states and gives slightly broader coverage than med pay

Collision insurance

Collision coverage covers damage to your Bravada caused by collision with an object or car. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against things like crashing into a building, backing into a parked car and rolling your car. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are 8 years or older. Drivers also have the option to choose a higher deductible to get cheaper collision coverage.

Uninsured Motorist or Underinsured Motorist insurance

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when the “other guys” either are underinsured or have no liability coverage at all. It can pay for hospital bills for your injuries as well as your vehicle’s damage.

Due to the fact that many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is very important. Usually the UM/UIM limits are identical to your policy’s liability coverage.

A penny earned…

Consumers change insurance companies for many reasons like an unsatisfactory settlement offer, delays in paying claims, extreme rates for teen drivers and being labeled a high risk driver. Whatever your reason, choosing a new company can be less work than you think.

We just presented a lot of information how to compare 1991 Oldsmobile Bravada insurance prices online. The key concept to understand is the more price quotes you have, the better your comparison will be. You may be surprised to find that the best price on insurance coverage is with a smaller regional carrier.

Lower-priced insurance is attainable from both online companies and with local insurance agents, so compare prices from both to get a complete price analysis. Some insurance companies do not offer online price quotes and many times these small insurance companies only sell through independent insurance agents.

Additional insurance coverage information can be read below: