1997 Oldsmobile LSS Insurance Rates

Searching for the cheapest insurance for an Oldsmobile LSS can turn out to be a lot of work, but you can use these tips to find lower rates.

There is a better way to shop for auto insurance so we’re going to tell you the quickest way to price shop coverage for a Oldsmobile and get the lowest possible price from local insurance agents and online providers.

If you have a current insurance policy or are shopping for new coverage, you can learn to find better prices while maximizing coverage. Finding affordable insurance is simple if you know the tricks. Consumers only need an understanding of the most efficient way to buy insurance over the internet.

Save money by taking advantage of these discounts

Insurance can be prohibitively expensive, but there are discounts available to cut the cost considerably. Certain discounts will be applied when you get a quote, but some must be inquired about before being credited. If you don’t get every credit you qualify for, you’re paying more than you need to.

  • Student in College – Youth drivers living away from home attending college and do not have access to a covered vehicle can be insured at a reduced rate.
  • Memberships – Participating in a qualifying organization may earn a discount when buying insurance for LSS coverage.
  • Anti-lock Brake System – Vehicles equipped with ABS or steering control are safer to drive and therefore earn up to a 10% discount.
  • Payment Method – If you pay your bill all at once instead of making monthly payments you may reduce your total bill.
  • Homeowners Pay Less – Owning a house may earn you a small savings because owning a home requires personal responsibility.
  • Government Employees – Employees or retirees of the government may qualify you for a discount for LSS coverage with select insurance companies.
  • Student Driver Training – Have your child complete a driver education course in high school.
  • Senior Citizens – If you qualify as a senior citizen, you can possibly qualify for a discount up to 10% for LSS coverage.
  • Early Signing – A few companies offer discounts for signing up prior to your current policy expiration. This can save 10% or more.
  • Defensive Driver – Completing a defensive driving course could cut 5% off your bill depending on where you live.

As a disclaimer on discounts, some credits don’t apply to the entire policy premium. Most only cut specific coverage prices like comprehensive or collision. So when it seems like you can get free auto insurance, it doesn’t quite work that way. Any qualifying discounts will reduce your overall premium however.

For a list of companies with the best insurance discounts, click here to view.

How to Get Insurance Comparison Quotes

Comparing insurance rates can be a daunting task if you aren’t aware of the easiest way. You can spend your afternoon discussing policy coverages with local insurance agents in your area, or you could use the web to quickly compare rates.

Most car insurance companies are enrolled in a marketplace where prospective buyers enter their policy data once, and at least one company provides a quote based on that information. This prevents consumers from doing quote requests to each individual insurance company. To fill out one form to compare multiple rates now click here (opens in new window).

The one downside to pricing coverage this way is you can’t choose the companies to get pricing from. If you wish to select from a list of companies for rate comparison, we have a page of insurance companies in your area. View list of insurance companies.

It’s your choice how you get your quotes, but make absolute certain that you use the exact same coverage limits and deductibles with every price quote. If you enter unequal deductibles or liability limits then you won’t be able to truly determine the lowest rate.

When should I use an insurance agent?

When buying adequate coverage for your personal vehicles, there really is no one size fits all plan. Everyone’s situation is a little different.

For example, these questions could help you determine whether you would benefit from an agent’s advice.

  • Is a new car covered when I drive it off the dealer lot?
  • Is rental equipment covered for theft or damage?
  • How many claims can I have before being cancelled?
  • Will my insurance pay for OEM parts?
  • When would I need rental car insurance?
  • Does insurance cover tools stolen from my truck?
  • Will my rates increase for filing one claim?

If you’re not sure about those questions but you know they apply to you, you may need to chat with a licensed insurance agent. To find an agent in your area, take a second and complete this form. It’s fast, free and can provide invaluable advice.

Auto insurance 101

Learning about specific coverages of your policy can help you determine which coverages you need and the correct deductibles and limits. Policy terminology can be ambiguous and nobody wants to actually read their policy.

Liability car insurance

This coverage provides protection from damages or injuries you inflict on other’s property or people in an accident. It protects you from legal claims by others, and does not provide coverage for damage sustained by your vehicle in an accident.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show values of 25/50/25 which means a $25,000 limit per person for injuries, a limit of $50,000 in injury protection per accident, and $25,000 of coverage for damaged propery. Alternatively, you may have a combined single limit or CSL which limits claims to one amount without having the split limit caps.

Liability coverage pays for things such as pain and suffering, emergency aid, repair bills for other people’s vehicles and medical expenses. The amount of liability coverage you purchase is up to you, but you should buy higher limits if possible.

Medical costs insurance

Coverage for medical payments and/or PIP provide coverage for bills such as ambulance fees, pain medications, funeral costs, chiropractic care and doctor visits. The coverages can be utilized in addition to your health insurance plan or if there is no health insurance coverage. It covers both the driver and occupants and will also cover getting struck while a pedestrian. PIP is only offered in select states but can be used in place of medical payments coverage

UM/UIM Coverage

Your UM/UIM coverage protects you and your vehicle’s occupants from other drivers when they are uninsured or don’t have enough coverage. It can pay for injuries to you and your family and damage to your Oldsmobile LSS.

Due to the fact that many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Most of the time the UM/UIM limits are similar to your liability insurance amounts.

Collision coverage

This coverage pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage protects against claims like hitting a parking meter, backing into a parked car, damaging your car on a curb and colliding with another moving vehicle. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from older vehicles. Drivers also have the option to bump up the deductible in order to get cheaper collision rates.

Comprehensive or Other Than Collision

This covers damage from a wide range of events other than collision. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive insurance covers claims such as damage from getting keyed, hitting a bird, theft and rock chips in glass. The maximum amount a insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Smart consumers save more

You just read many ideas to reduce 1997 Oldsmobile LSS insurance prices online. The most important thing to understand is the more times you quote, the higher your chance of finding lower rates. Consumers may even find the biggest savings come from an unexpected company.

Consumers change insurance companies for a variety of reasons including high rates after DUI convictions, high prices, policy cancellation and not issuing a premium refund. No matter why you want to switch, choosing a new insurance company can be easy and end up saving you some money.

Cheap insurance can be bought both online and also from your neighborhood agents, and you should be comparing both to have the best selection. Some companies may not provide the ability to get a quote online and most of the time these small, regional companies sell through independent agents.

More detailed auto insurance information can be found in the articles below: