1993 Oldsmobile Achieva Insurance Rates – 7 Tips to Save

I can’t think of anyone who enjoys paying for insurance, in particular when their premiums are through the roof. You have multiple auto insurance companies to buy insurance from, and though it is a good thing to have a selection, so many choices can make it hard to get the best deal.

You should make it a habit to check insurance prices occasionally due to the fact that insurance rates fluctuate regularly. Even if you got the best deal for Achieva insurance six months ago there may be better deals available now. So forget all the misinformation about insurance because it’s time to teach you the tricks you need to know to save money, get proper coverage and the best rates.

How to Compare Car Insurance Costs

Comparing car insurance rates can be a lot of work if you aren’t aware of the most efficient way. You can waste a few hours (or days) discussing policy coverages with local insurance agents in your area, or you could save time and use online quotes to maximize your effort.

Most of the best insurance companies enroll in a system where insurance shoppers enter their policy data once, and at least one company then returns a price quote based on that information. This prevents consumers from doing repetitive form submissions to each company.

To participate in this free quote system, click here to start a free quote.

The only downside to using this type of form is that you can’t choose the companies you will receive quotes from. So if you want to choose individual companies to compare prices, we have a page of the cheapest car insurance companies in your area. Click here for list of insurance companies.

Which method you use is up to you, but ensure you are comparing identical coverages on every quote you get. If each company quotes unequal deductibles or liability limits it’s impossible to make an equal comparison.

Don’t pay full price with these seven discounts

Companies that sell car insurance don’t necessarily list every discount in a way that’s easy to find, so we researched some of the best known as well as the least known discounts you could be receiving. If you aren’t receiving every discount possible, you are paying more than you should be.

  • Military Rewards – Being on active duty in the military could mean lower rates.
  • Accident Forgiveness – A few companies permit an accident without raising rates if your claims history is clear prior to the accident.
  • More Vehicles More Savings – Buying coverage for multiple cars or trucks on the same car insurance policy may reduce the rate for each vehicle.
  • Driver’s Ed – Cut your cost by having your teen driver complete a driver education course in high school.
  • Life Insurance Discount – Companies who offer life insurance give better rates if you take out a life insurance policy as well.
  • Passive Restraint Discount – Vehicles equipped with air bags or motorized seat belts can qualify for discounts of up to 25% or more.
  • Paperwork-free – A few companies may give you up to $50 simply for signing on their website.

It’s important to note that some of the credits will not apply to the entire cost. Some only reduce the cost of specific coverages such as comprehensive or collision. So even though it sounds like you would end up receiving a 100% discount, it doesn’t quite work that way.

Car insurance companies who might offer these discounts include:

Double check with each company which discounts they offer. Discounts might not apply everywhere.

Your personal situation dictates your coverage

When it comes to buying coverage for your personal vehicles, there really is no perfect coverage plan. Everyone’s situation is unique and your policy should reflect that. For example, these questions can aid in determining if you may require specific advice.

  • What discounts do I qualify for?
  • Should I get collision insurance on every vehicle?
  • Are my friends covered when driving my car?
  • Does insurance cover tools stolen from my truck?
  • How much liability insurance is required?
  • What is the rate difference between pleasure use and commuting?

If you’re not sure about those questions, you might consider talking to an insurance agent. To find an agent in your area, complete this form or go to this page to view a list of companies. It only takes a few minutes and can help protect your family.

The coverage is in the details

Having a good grasp of your insurance policy helps when choosing the right coverages at the best deductibles and correct limits. Insurance terms can be impossible to understand and coverage can change by endorsement. Listed below are typical coverage types found on most insurance policies.

Comprehensive coverages

This will pay to fix damage OTHER than collision with another vehicle or object. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive can pay for claims like a tree branch falling on your vehicle, theft and rock chips in glass. The most your insurance company will pay is the ACV or actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Uninsured and underinsured coverage

Uninsured or Underinsured Motorist coverage provides protection when the “other guys” either have no liability insurance or not enough. Covered losses include hospital bills for your injuries and also any damage incurred to your Oldsmobile Achieva.

Due to the fact that many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is very important.

Liability insurance

This will cover injuries or damage you cause to a person or their property. Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have liability limits of 100/300/100 which stand for a $100,000 limit per person for injuries, a total of $300,000 of bodily injury coverage per accident, and a total limit of $100,000 for damage to vehicles and property.

Liability insurance covers claims such as court costs, emergency aid, bail bonds, repair bills for other people’s vehicles and legal defense fees. How much liability coverage do you need? That is a personal decision, but it’s cheap coverage so purchase higher limits if possible.

Coverage for medical payments

Coverage for medical payments and/or PIP kick in for immediate expenses for things like funeral costs, X-ray expenses, ambulance fees, pain medications and dental work. They are utilized in addition to your health insurance plan or if you do not have health coverage. Medical payments and PIP cover both the driver and occupants and will also cover getting struck while a pedestrian. PIP coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Coverage for collisions

This pays for damage to your Achieva caused by collision with another car or object. You first must pay a deductible and then insurance will cover the remainder.

Collision insurance covers things like colliding with another moving vehicle, driving through your garage door, crashing into a building, sustaining damage from a pot hole and colliding with a tree. Collision is rather expensive coverage, so consider dropping it from older vehicles. You can also choose a higher deductible to bring the cost down.

A penny earned…

You just read a lot of ways to lower your 1993 Oldsmobile Achieva insurance rates. It’s most important to understand that the more companies you get rates for, the higher your chance of finding lower rates. You may even discover the lowest priced auto insurance comes from a smaller regional carrier. Smaller companies often have lower prices on specific markets compared to the large companies like Allstate or State Farm.

Discount insurance is available both online and also from your neighborhood agents, so you should be comparing quotes from both in order to have the best price selection to choose from. Some companies may not provide online price quotes and many times these small insurance companies only sell through independent insurance agents.

More tips and info about auto insurance is located by following these links: