Compare 1996 Oldsmobile Aurora Insurance Rates

Searching for cheaper insurance for an Oldsmobile Aurora can normally be a lot of work, but you can follow these tips to save time.

There is a right way and a wrong way to compare insurance rates so we’re going to tell you the absolute fastest way to quote coverages for a Oldsmobile and get the best price possible.

Pricing cheaper protection is not that difficult. If you have insurance now or need a new policy, you can learn to find the best rates while maximizing coverage. Consumers just need to understand the most efficient way to compare company rates over the internet.

Free Quotes for Auto Insurance

Finding cheaper 1996 Oldsmobile Aurora auto insurance prices is a fairly straight forward process. You just need to spend a few minutes to compare rate quotes online from several insurance companies. It is quite easy and can be accomplished in a couple of different ways.

  1. The single most time-saving way to get quotes is to use a rate comparison form like this one (opens in new window). This form saves time by eliminating multiple quote forms for every auto insurance company. One form gets rate comparisons from all major companies. Just one form and you’re done.
  2. A more difficult way to find lower rates requires you to visit each individual company website and request a quote. For example, we’ll assume you want to compare rates from USAA, Safeco and State Farm. You would have to go to every website and enter your policy data, which is why the first method is quicker. For a handy list of car insurance company links in your area, click here.

It’s your choice how you get your quotes, but make absolute certain that you use apples-to-apples deductibles and coverage limits for each comparison quote. If your comparisons have unequal deductibles or liability limits it will be very difficult to make an equal comparison.

You probably qualify for some discounts

Car insurance can cost a lot, but companies offer discounts that you may not even be aware of. A few discounts will automatically apply when you quote, but a few must be specially asked for before being credited. If they aren’t giving you every credit you deserve, you are paying more than you should be.

  • Save over 55 – Older drivers can possibly qualify for reduced rates for Aurora insurance.
  • Anti-theft Discount – Vehicles equipped with anti-theft or alarm systems can help prevent theft and earn discounts up to 10%.
  • Passive Restraints – Factory air bags or motorized seat belts can get savings of more than 20%.
  • Federal Government Employee – Employees or retirees of the government may qualify you for a discount for Aurora insurance depending on your company.
  • Safety Course Discount – Taking a course teaching defensive driving skills could possibly earn you a 5% discount if you qualify.
  • Claim Free – Drivers who don’t have accidents pay less as compared to frequent claim filers.
  • Drive Less and Save – Low mileage vehicles could qualify for a substantially lower rate.
  • Seat Belts Save more than Lives – Requiring all passengers to use their safety belts could cut 10% or more off your PIP or medical payments premium.
  • New Car Discount – Insuring a new car can save up to 30% because new vehicles have to meet stringent safety requirements.
  • Distant Student – Kids in college who are attending college without a vehicle on campus may qualify for this discount.

Consumers should know that most discount credits are not given to the entire policy premium. Most only cut the cost of specific coverages such as liability, collision or medical payments. So when the math indicates you could get a free auto insurance policy, you won’t be that lucky. Any qualifying discounts will reduce your overall premium however.

Car insurance companies that may have these benefits are:

It’s a good idea to ask each insurance company which discounts they offer. Discounts may not apply everywhere.

There’s no such thing as the perfect policy

When buying adequate coverage, there really is no perfect coverage plan. Everyone’s situation is a little different.

For instance, these questions might help in determining whether or not you would benefit from professional advice.

  • Is business equipment covered while in my vehicle?
  • Where can I get insurance after a DUI in my state?
  • Is rental equipment covered for theft or damage?
  • What companies insure drivers after a DUI or DWI?
  • Am I covered if I crash into my own garage door?
  • Am I covered if my car is in a flood?
  • Is my babysitter covered when using my vehicle?
  • Do I need higher collision deductibles?
  • Does my policy cover my teen driver if they drive my company car?
  • Does my medical payments coverage pay my health insurance deductible?

If you don’t know the answers to these questions but a few of them apply, you may need to chat with a licensed agent. If you don’t have a local agent, take a second and complete this form. It’s fast, doesn’t cost anything and may give you better protection.

Insurance coverage basics

Understanding the coverages of your insurance policy helps when choosing the best coverages at the best deductibles and correct limits. The terms used in a policy can be difficult to understand and reading a policy is terribly boring.

Comprehensive coverage

This pays to fix your vehicle from damage that is not covered by collision coverage. A deductible will apply then your comprehensive coverage will pay.

Comprehensive can pay for claims such as falling objects, damage from flooding, rock chips in glass, hitting a bird and hitting a deer. The maximum amount your insurance company will pay is the actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Collision coverage protection

Collision coverage covers damage to your Aurora from colliding with an object or car. You first must pay a deductible then your collision coverage will kick in.

Collision coverage pays for things such as driving through your garage door, hitting a mailbox and crashing into a ditch. This coverage can be expensive, so analyze the benefit of dropping coverage from lower value vehicles. Another option is to choose a higher deductible in order to get cheaper collision rates.

Medical payments coverage and PIP

Coverage for medical payments and/or PIP kick in for expenses for things like EMT expenses, rehabilitation expenses, pain medications and dental work. They are often used to fill the gap from your health insurance plan or if there is no health insurance coverage. Medical payments and PIP cover both the driver and occupants and also covers getting struck while a pedestrian. PIP coverage is not an option in every state and gives slightly broader coverage than med pay

Liability car insurance

This provides protection from damages or injuries you inflict on other’s property or people by causing an accident. This insurance protects YOU against other people’s claims, and doesn’t cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. As an example, you may have liability limits of 100/300/100 that means you have $100,000 in coverage for each person’s injuries, a limit of $300,000 in injury protection per accident, and a total limit of $100,000 for damage to vehicles and property. Another option is a combined single limit or CSL which limits claims to one amount and claims can be made without the split limit restrictions.

Liability coverage protects against things such as repair costs for stationary objects, structural damage and attorney fees. How much coverage you buy is a decision to put some thought into, but it’s cheap coverage so purchase as high a limit as you can afford.

Uninsured/Underinsured Motorist coverage

Uninsured or Underinsured Motorist coverage provides protection from other motorists when they are uninsured or don’t have enough coverage. Covered losses include injuries to you and your family and damage to your Oldsmobile Aurora.

Because many people carry very low liability coverage limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Usually these limits are similar to your liability insurance amounts.