1992 Oldsmobile Bravada Car Insurance Cost

Trying to find lower car insurance rates for your Oldsmobile Bravada? Have you fallen victim to overpriced car insurance? Trust us when we tell you there are a lot of people just like you who feel imprisoned by their car insurance policy. Big companies like Geico, 21st Century and Progressive constantly bombard you with ads and it is challenging if not impossible to not get sucked in by the cute commercials and do the work needed to find the best deal.

You should take the time to shop coverage around every six months since insurance rates are constantly changing. Despite the fact that you may have had the lowest rates on Bravada coverage last year you can probably find a lower rate today. So forget all the misinformation about car insurance because we’re going to show you how to use the internet to properly buy coverages and cut your premium.

If you are insured now or are just looking to switch companies, you can use this information to get lower rates and possibly find even better coverage. Buying car insurance is quite easy. Drivers just need to know the tricks to get comparison rates over the internet.

Vehicle Insurance Comparison

There are several ways you can shop for Oldsmobile Bravada insurance coverage but some are less labor-intensive and much quicker. You can waste a few hours (or days) talking about coverages with insurance companies in your area, or you could save time and use the internet to get pricing more quickly.

All the larger companies enroll in a system that allows shoppers to only type in their quote data once, and each participating company then returns a price quote for coverage. This saves time by eliminating form submissions to each company.

To access this free quoting program, click to open in new window.

One minor caviat to doing it this way is you are unable to specify the providers you will receive quotes from. So if you prefer to choose specific insurance companies to compare rates, we put together a list of the cheapest insurance coverage companies in your area. Click to view list.

It’s up to you which method you use, but double check that you are using exactly the same quote information for every company. If you use differing limits it will be impossible to find the best deal for your Oldsmobile Bravada.

Don’t pay full price with these discounts

Properly insuring your vehicles can get expensive, but there are discounts available that you may not know about. Most are applied when you quote, but some must be asked for in order for you to get them. If you don’t get every credit possible, you are paying more than you should be.

  • Homeowners Discount – Owning a home can save you money because maintaining a house requires personal responsibility.
  • Distant Student – Youth drivers who are attending college and don’t have a car can receive lower rates.
  • Life Insurance Discount – Some companies give lower rates if you buy auto and life insurance together.
  • Memberships – Affiliation with certain professional organizations may earn a discount when shopping for insurance coverage on Bravada coverage.
  • Employee of Federal Government – Simply working for the federal government may qualify you for a discount on Bravada coverage with certain companies.
  • Good Students Pay Less – Performing well in school can get you a discount of up to 25%. This discount can apply until age 25.
  • Braking Control Discount – Cars that have steering control and anti-lock brakes prevent accidents and will save you 10% or more.
  • Seat Belts Save – Buckling up and requiring all passengers to use a seat belt can save 10% or more on the medical payments or PIP coverage costs.

Consumers should know that most of the big mark downs will not be given the the whole policy. Most only apply to specific coverage prices like physical damage coverage or medical payments. Even though it may seem like you could get a free insurance coverage policy, it just doesn’t work that way. Any qualifying discounts will bring down the cost of coverage.

A partial list of companies that may offer these discounts include:

It’s a good idea to ask each insurance company what discounts are available to you. Discounts might not be offered in every state.

Your personal situation dictates your coverage

When it comes to buying the right insurance coverage, there is no one size fits all plan. Each situation is unique so this has to be addressed. Here are some questions about coverages that can aid in determining if your situation will benefit from professional help.

  • Can I get a multi-policy discount?
  • How much underlying liability do I need for an umbrella policy?
  • Can I drive in Mexico and have coverage?
  • Do I need special endorsements for business use of my vehicle?
  • How can I find cheaper teen driver insurance?
  • How much can I save by bundling my policies?
  • Is business property covered if stolen from my car?
  • Does my medical payments coverage pay my health insurance deductible?
  • Will I be non-renewed for getting a DUI or other conviction?

If you can’t answer these questions, you might consider talking to an agent. If you want to speak to an agent in your area, simply complete this short form or click here for a list of insurance coverage companies in your area. It is quick, free and can provide invaluable advice.

Auto insurance coverage information

Learning about specific coverages of a insurance policy helps when choosing which coverages you need and proper limits and deductibles. Insurance terms can be difficult to understand and coverage can change by endorsement. Shown next are the usual coverages offered by insurance companies.

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

Comprehensive coverage protects against claims like hitting a bird, rock chips in glass and fire damage. The maximum amount your insurance company will pay is the actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Collision coverage – This covers damage to your Bravada from colliding with an object or car. You first must pay a deductible and then insurance will cover the remainder.

Collision insurance covers claims such as colliding with a tree, hitting a mailbox, sideswiping another vehicle and crashing into a building. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from older vehicles. You can also choose a higher deductible in order to get cheaper collision rates.

Uninsured/Underinsured Motorist (UM/UIM) – Your UM/UIM coverage provides protection from other motorists when they either are underinsured or have no liability coverage at all. Covered losses include medical payments for you and your occupants as well as your vehicle’s damage.

Since many drivers 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. Most of the time these limits are identical to your policy’s liability coverage.

Liability – Liability insurance provides protection from damage that occurs to other people or property that is your fault. This insurance protects YOU from claims by other people, and 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. You might see limits of 100/300/100 which stand for $100,000 in coverage for each person’s injuries, a limit of $300,000 in injury protection per accident, and property damage coverage for $100,000. Another option is a combined single limit or CSL which provides one coverage limit rather than limiting it on a per person basis.

Liability coverage protects against things like medical expenses, loss of income, medical services, funeral expenses and repair bills for other people’s vehicles. How much coverage you buy is your choice, but buy as high a limit as you can afford.

Med pay and Personal Injury Protection (PIP) – Coverage for medical payments and/or PIP reimburse you for bills like rehabilitation expenses, nursing services and pain medications. They are used to fill the gap from your health insurance plan or if you are not covered by health insurance. They cover you and your occupants and also covers getting struck while a pedestrian. Personal injury protection coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage