Lower Your 1995 Oldsmobile Achieva Insurance Quotes

Looking for cheaper auto insurance rates for your Oldsmobile Achieva? Nobody cherishes buying auto insurance, in particular when they are paying too much. Popular companies such as State Farm, Geico and Farmers Insurance continually bombard you with catchy ads and consumers find it hard to sift through the bull and take the time to shop coverage around.

It’s smart to take a look at other company’s rates periodically because prices are rarely the same from one policy term to another. If you had the best deal for Achieva coverage a few years ago other companies may now be cheaper. Starting now, forget all the misinformation about auto insurance because you’re about to learn how to quote online to properly buy coverages and cut your premium.

Quick Car Insurance Quotes

There are several ways to shop for Oldsmobile Achieva car insurance, and some are less time-consuming than others. You could waste a few hours talking to insurance agencies in your area, or you can utilize the web to get rates in a matter of minutes.

Many companies participate in a marketplace that enables customers to only type in their quote data once, and at least one company returns a rated price based on that data. This prevents consumers from doing quotation requests for each company. To find out how much you can save on car insurance click here to open in new window.

One minor caviat to using this type of system is you can’t choose which providers to receive prices from. So if you want to select individual companies to request quotes from, we put together a list of the cheapest car insurance companies in your area. View list of insurance companies.

However you get your quotes, compare apples-to-apples information on every quote. If you have mixed coverages then you won’t be able to decipher which rate is best.

Which insurance is the “right” coverage?

When buying the best insurance coverage coverage for your personal vehicles, there really is not a perfect coverage plan. Everyone’s needs are different so your insurance needs to address that. For example, these questions might point out if you would benefit from professional advice.

  • Am I covered if hit by an uninsured driver?
  • What can I do if my company denied a claim?
  • Does insurance cover damages from a DUI accident?
  • Are my tools covered if they get stolen from my vehicle?
  • Does coverage extend to a rental car in a foreign country?
  • Am I covered if my car is in a flood?
  • Why am I required to get a high-risk car insurance policy?

If it’s difficult to answer those questions, you might consider talking to an insurance agent. If you want to speak to an agent in your area, simply complete this short form or go to this page to view a list of companies. It is quick, free and can provide invaluable advice.

Insurance coverages 101

Learning about specific coverages of your insurance policy can be of help when determining the best coverages at the best deductibles and correct limits. Policy terminology can be confusing and coverage can change by endorsement. Listed below are the usual coverages available from insurance companies.

Comprehensive (Other than Collision)

This coverage pays for damage from a wide range of events other than collision. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things such as theft, damage from a tornado or hurricane, fire damage and hitting a bird. The maximum payout you can receive from a comprehensive claim 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

This coverage will pay to fix damage to your Achieva resulting from a collision with another vehicle or an object, but not an animal. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage protects against claims like crashing into a ditch, damaging your car on a curb, crashing into a building, backing into a parked car and hitting a mailbox. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are older. Drivers also have the option to raise the deductible in order to get cheaper collision rates.

Medical expense insurance

Personal Injury Protection (PIP) and medical payments coverage kick in for bills for things like rehabilitation expenses, hospital visits, dental work, funeral costs and surgery. The coverages can be used in conjunction with a health insurance plan or if you are not covered by health insurance. Medical payments and PIP cover you and your occupants as well as being hit by a car walking across the street. PIP coverage is only offered in select states but can be used in place of medical payments coverage

Protection from uninsured/underinsured drivers

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other drivers when they either have no liability insurance or not enough. It can pay for medical payments for you and your occupants and also any damage incurred to your Oldsmobile Achieva.

Since many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage should not be overlooked. Usually your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Liability car insurance

Liability insurance protects you from damage or injury you incur to people or other property in an accident. This insurance protects YOU from legal claims by others, and doesn’t cover your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see limits of 100/300/100 that translate to $100,000 in coverage for each person’s injuries, $300,000 for the entire accident, and property damage coverage for $100,000. Another option is one limit called combined single limit (CSL) that pays claims from the same limit without having the split limit caps.

Liability coverage pays for claims like repair costs for stationary objects, medical services, emergency aid and funeral expenses. How much coverage you buy is a personal decision, but consider buying as high a limit as you can afford.