1998 Oldsmobile Bravada Insurance Quotes – 7 Tricks for Best Rates

Have you fallen victim to an underperforming, overpriced car insurance policy? Trust us, you’re not alone. Drivers have so many insurance companies to buy insurance from, and although it’s a good thing to have a selection, having more car insurance companies makes it harder to find the lowest rates.

You should make it a habit to take a look at other company’s rates periodically because prices change quite often. Just because you had the best rates for Bravada insurance a few years ago there may be better deals available now. Block out anything you think you know about car insurance because you’re about to learn the easiest way to eliminate unnecessary coverages and save money.

Compare Car Insurance Today

Finding lower car insurance rates doesn’t have to be difficult. You just have to invest a few minutes to compare rate quotes online with multiple companies. This is very easy and can be done in just a few minutes using one of these methods.

Probably the best way to find the lowest comparison rates is a comparison rater form like this one (opens in new window). This method prevents you from having to do boring form submissions for each company. A single form will get you rate comparisons from many national carriers.

A harder way to compare prices requires you to visit the website for each individual company and complete a new quote form. For instance, let’s assume you want to compare Geico, Allstate and GMAC. To get each rate you have to take the time to go to each site and enter your information, which is why the first method is more popular. To view a list of companies in your area, click here.

The hardest way of comparing rate quotes is to drive around to local insurance agencies. Shopping for car insurance online makes this process obsolete unless you have a need for the professional guidance that only a license agent can provide. It is possible to find lower rates online and get advice from an agent in your area and we’ll cover that in a bit.

It’s up to you which method you use, but ensure you’re using apples-to-apples coverage limits and deductibles for each price quote. If the quotes have unequal deductibles or liability limits it’s impossible to determine the lowest rate for your Oldsmobile Bravada.

Can switching companies really save?

Consumers can’t get away from ads that promise big savings from companies such as 21st Century, Allstate and State Farm. They all have a common claim that you can save after switching your policy.

How do they all claim to save you money? It’s all in the numbers.

Different companies have a preferred profile for the right customer they prefer to insure. A good example of a profitable customer might be profiled as a mature driver, owns a home, and chooses high deductibles. A propective insured that hits that “sweet spot” gets the lowest rates and is almost guaranteed to pay quite a bit less when switching companies.

Potential insureds who fall outside this ideal profile will be charged higher prices which usually ends up with business going elsewhere. The ads say “customers that switch” not “people who quote” save that kind of money. That’s why companies can truthfully advertise the way they do.

That is why you should get quotes from several different companies. Because you never know the company that will give you the biggest savings on Oldsmobile Bravada insurance.

Discounts are great for lower rates

The price of auto insurance can be rather high, buy you may qualify for discounts to reduce the price significantly. Some discounts apply automatically when you get a quote, but less common discounts must be inquired about prior to getting the savings. If you aren’t receiving every discount you qualify for, you are throwing money away.

  • Seat Belts Save more than Lives – Using a seat belt and requiring all passengers to use a seat belt could save 15% off your PIP or medical payments premium.
  • Safe Drivers – Insureds without accidents can pay as much as 50% less for Bravada insurance than their less cautious counterparts.
  • Military Rewards – Having a family member in the military may qualify for rate reductions.
  • No Accidents – Good drivers with no accidents pay much less when compared to bad drivers.
  • Anti-lock Brakes – Vehicles equipped with ABS or steering control can avoid accidents and therefore earn up to a 10% discount.
  • Passive Restraints – Cars that have air bags and/or automatic seat belt systems can get savings of more than 20%.
  • Discount for Good Grades – A discount for being a good student can get you a discount of up to 25%. The good student discount can last until age 25.

Drivers should understand that most discounts do not apply the the whole policy. Most only apply to the cost of specific coverages such as medical payments or collision. So even though it sounds like all the discounts add up to a free policy, auto insurance companies aren’t that generous. But all discounts will cut the cost of coverage.

For a list of providers who offer auto insurance discounts, click here to view.

You may need specialized coverage

When choosing coverage for your vehicles, there really is not a perfect coverage plan. Everyone’s needs are different so your insurance should reflect that These are some specific questions might help in determining if your insurance needs might need professional guidance.

  • How high should my uninsured/underinsured coverage be in my state?
  • Do I need higher collision deductibles?
  • Should I sign the liability waiver when renting a car?
  • Can I pay claims out-of-pocket if I buy high deductibles?
  • Is my dog or cat covered if injured in an accident?
  • Do I need PIP coverage since I have good health insurance?
  • Why do I need rental car insurance?

If you’re not sure about those questions but a few of them apply then you might want to talk 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’s fast, doesn’t cost anything and may give you better protection.

Coverages available on your auto insurance policy

Understanding the coverages of auto insurance can be of help when determining the best coverages at the best deductibles and correct limits. Policy terminology can be impossible to understand and even agents have difficulty translating policy wording. Shown next are the normal coverages found on most auto insurance policies.

Auto collision coverage

Collision coverage pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. A deductible applies then your collision coverage will kick in.

Collision insurance covers things like sustaining damage from a pot hole, scraping a guard rail, hitting a mailbox and crashing into a building. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are 8 years or older. You can also increase the deductible to get cheaper collision coverage.

Auto liability

Liability coverage will cover injuries or damage you cause to people or other property. This coverage protects you against claims from other people. It does not cover your own vehicle damage or injuries.

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 policy limits of 50/100/50 that translate to $50,000 bodily injury coverage, a total of $100,000 of bodily injury coverage per accident, and a limit of $50,000 paid for damaged property. Occasionally you may see one number which is a combined single limit which combines the three limits into one amount with no separate limits for injury or property damage.

Liability insurance covers claims such as medical services, legal defense fees and bail bonds. How much liability should you purchase? That is a personal decision, but it’s cheap coverage so purchase as much as you can afford.

Protection from uninsured/underinsured drivers

Uninsured or Underinsured Motorist coverage gives you protection when other motorists either have no liability insurance or not enough. Covered claims include injuries to you and your family and also any damage incurred to your Oldsmobile Bravada.

Due to the fact that many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Usually these coverages do not exceed the liability coverage limits.

Medical expense insurance

Medical payments and Personal Injury Protection insurance reimburse you for immediate expenses for things like ambulance fees, dental work, X-ray expenses and chiropractic care. They are often utilized in addition to your health insurance program or if you are not covered by health insurance. Medical payments and PIP cover you and your occupants in addition to any family member struck as a pedestrian. Personal injury protection coverage is not universally available and gives slightly broader coverage than med pay

Comprehensive (Other than Collision)

This covers damage OTHER than collision with another vehicle or object. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things such as a tree branch falling on your vehicle, hitting a deer and rock chips in glass. The maximum payout you’ll receive from a claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

One last thing about your coverage

We just showed you a lot of information how to get a better price on 1998 Oldsmobile Bravada insurance. The most important thing to understand is the more price quotes you have, the higher the chance of saving money. You may even find the lowest priced insurance comes from a lesser-known regional company. Regional companies can often insure niche markets at a lower cost than their larger competitors like Allstate or State Farm.

When trying to cut insurance costs, don’t be tempted to reduce needed coverages to save money. There are too many instances where drivers have reduced liability limits or collision coverage only to discover later they didn’t have enough coverage. Your strategy should be to get the best coverage possible at an affordable rate, not the least amount of coverage.

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