Lower Your 1998 Oldsmobile Aurora Insurance Cost

Trying to find the cheapest auto insurance rates for your Oldsmobile Aurora? Searching for the cheapest insurance for an Oldsmobile Aurora can normally be difficult, but you can follow the following methods to save time.

There is a right way and a wrong way to buy auto insurance so we’re going to tell you the proper way to price shop coverage on a Oldsmobile and obtain the cheapest rates.

If you are insured now or are shopping for new coverage, you can use these techniques to reduce the price you pay while maintaining coverages. Finding affordable auto insurance is quite easy. Vehicle owners only need an understanding of the proper methods to find the lowest price over the internet.

Best discounts on 1998 Oldsmobile Aurora coverage

Car insurance is not cheap, but there are discounts available to help bring down the price. Some trigger automatically at the time you complete a quote, but less common discounts must be specially asked for before being credited. If you don’t get every credit you qualify for, you are throwing money away.

  • Safe Driver Discount – Safe drivers may save up to 50% more for Aurora insurance than drivers with accidents.
  • Payment Method – If paying your policy premium upfront instead of paying each month you can actually save on your bill.
  • Sign Online – Some insurance companies may give you up to $50 for buying your policy digitally online.
  • Homeowners Discount – Owning a home can help you save on auto insurance because maintaining a house requires personal responsibility.
  • Braking Control Discount – Vehicles with anti-lock braking systems are safer to drive and will save you 10% or more.
  • Multiple Vehicles – Insuring multiple vehicles on one policy could earn a price break for each car.

A little note about advertised discounts, many deductions do not apply to the overall cost of the policy. Some only reduce individual premiums such as comprehensive or collision. So despite the fact that it appears having all the discounts means you get insurance for free, it doesn’t quite work that way. But all discounts will help reduce your premiums.

Companies that may have these benefits may include but are not limited to:

It’s a good idea to ask each company which discounts they offer. All car insurance discounts may not be available everywhere.

Compare the Market for Car Insurance

Shopping for lower car insurance rates can be a lot of work if you don’t understand the best way to get rate quotes. You can spend countless hours driving to agents in your area, or you could save time and use the internet to achieve your goal.

Many popular insurance companies participate in an industry program where prospective buyers complete one form, and at least one company can give them a price determined by their information. This system prevents you from having to do form submissions to each individual car insurance company.

To compare 1998 Oldsmobile Aurora rates using this form now click here (opens in new window).

The only drawback to using this type of system is that you can’t choose the providers you will receive quotes from. So if you want to choose individual companies to compare, we have a listing of car insurance companies in your area. Click to view list.

It’s your choice how you get your quotes, but double check that you are using identical coverage limits for every company. If you are comparing different liability limits it will be impossible to determine which rate is truly the best.

Tailor your coverage to you

When buying the right insurance coverage, there is no cookie cutter policy. Every situation is different.

Here are some questions about coverages that might point out if your situation could use an agent’s help.

  • Is my teenager covered with friends in the car?
  • Do I benefit by insuring my home with the same company?
  • Where can I get insurance after a DUI in my state?
  • Is motorclub coverage worth it?
  • What is the rate difference between pleasure use and commuting?
  • Is borrowed equipment or tools covered if stolen or damaged?
  • Does medical payments coverage apply to all occupants?

If it’s difficult to answer those questions, then you may want to think about talking to a licensed agent. To find lower rates from a local agent, simply complete this short form. It only takes a few minutes and can help protect your family.

Educate yourself about auto insurance coverages

Having a good grasp of your auto insurance policy can help you determine the right coverages for your vehicles. Auto insurance terms can be confusing and coverage can change by endorsement.

Med pay and Personal Injury Protection (PIP)

Med pay and PIP coverage provide coverage for expenses such as EMT expenses, doctor visits, hospital visits and pain medications. The coverages can be used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. It covers all vehicle occupants and will also cover if you are hit as a while walking down the street. PIP is not an option in every state but can be used in place of medical payments coverage

Liability insurance

This coverage can cover damage that occurs to a person or their property. It protects you from claims by other people. It does not cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show values of 100/300/100 that means you have $100,000 bodily injury coverage, a per accident bodily injury limit of $300,000, and $100,000 of coverage for damaged propery. Alternatively, you may have a combined limit which provides one coverage limit rather than limiting it on a per person basis.

Liability can pay for things like emergency aid, legal defense fees, medical services, repair bills for other people’s vehicles and bail bonds. The amount of liability coverage you purchase is your choice, but you should buy as much as you can afford.

Uninsured/Underinsured Motorist (UM/UIM)

Uninsured or Underinsured Motorist coverage gives you protection when other motorists do not carry enough liability coverage. Covered losses include injuries sustained by your vehicle’s occupants as well as damage to your Oldsmobile Aurora.

Because many people only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is very important. Usually these coverages are set the same as your liablity limits.

Comprehensive insurance

Comprehensive insurance coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. A deductible will apply then your comprehensive coverage will pay.

Comprehensive insurance covers claims such as theft, fire damage, hitting a bird and damage from flooding. The maximum amount you can receive from a comprehensive claim is the actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Collision coverage

This pays for damage to your Aurora resulting from colliding with another car or object. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for things like hitting a parking meter, scraping a guard rail and crashing into a ditch. Collision is rather expensive coverage, so you might think about dropping it from older vehicles. It’s also possible to choose a higher deductible to get cheaper collision coverage.

Shop Smart and Save

We just presented quite a bit of information on how to lower your 1998 Oldsmobile Aurora insurance rates. The most important thing to understand is the more companies you get rates for, the higher the chance of saving money. You may even discover the lowest premiums are with a small mutual company.

Affordable insurance can be sourced online as well as from independent agents, and you need to comparison shop both in order to have the best price selection to choose from. Some insurance providers don’t offer online price quotes and these regional insurance providers work with independent agents.

As you shop your coverage around, make sure you don’t reduce coverage to reduce premium. Too many times, an accident victim reduced liability coverage limits only to regret at claim time that their decision to reduce coverage ended up costing them more. Your strategy should be to get the best coverage possible at an affordable rate while not skimping on critical coverages.

Much more information about insurance coverage is available at the links below