1998 Oldsmobile Intrigue Insurance Cost – 6 Tricks for Best Prices

Tired of not being able to afford to insure your Oldsmobile every month? Your situation is no different than millions of other consumers. Many insurance companies vie for your business, and it can be difficult to compare rates and get the best coverage at the best rates possible.

You should take the time to take a look at other company’s rates yearly since rates are adjusted regularly by insurance companies. Even if you think you had the best price on Intrigue insurance on your last policy the chances are good that you can find a lower rate today. Block out anything you think you know about insurance because I’m going to let you in on the secrets to the tricks you need to know to save money, get proper deductibles and limits, all at the lowest rate.

The quickest way to compare rates is to know the fact most larger insurance companies allow for online access to compare rate quotes. All consumers are required to do is provide a little information such as whether the vehicles are used for commuting, types of safety features, whether you are single or married, and what your job is. That rating data is sent automatically to insurance carriers in your area and they return quotes immediately.

Discounts mean cheaper 1998 Oldsmobile Intrigue insurance rates

Car insurance is not cheap, buy you may qualify for discounts to cut the cost considerably. Most are applied at the time of purchase, but some must be specially asked for before you get the savings. If you don’t get every credit you deserve, you’re just leaving money on the table.

  • Accident Forgiveness – Some insurance companies allow you one accident before your rates go up if your claims history is clear prior to the accident.
  • Good Students Pay Less – A discount for being a good student can get you a discount of up to 25%. This discount can apply up until you turn 25.
  • New Car Discount – Putting insurance coverage on a new car can be considerably cheaper since new cars are generally safer.
  • Employee of Federal Government – Being employed by or retired from a federal job can earn a discount up to 10% on Intrigue insurance depending on your company.
  • Clubs and Organizations – Participating in certain professional organizations is a good way to get lower rates when shopping for insurance on Intrigue insurance.
  • Military Discounts – Being on active duty in the military could be rewarded with lower premiums.

Consumers should know that some credits don’t apply to the entire cost. Some only apply to individual premiums such as comp or med pay. Just because it seems like all those discounts means the company will pay you, companies don’t profit that way. But all discounts will reduce the amount you have to pay.

Companies that may offer these benefits are:

Before buying, ask all companies you are considering which discounts you may be entitled to. All car insurance discounts may not apply in your state.

Tailor your coverage to you

When it comes to buying coverage for your personal vehicles, there is no best way to insure your cars. Everyone’s situation is a little different so this has to be addressed. For example, these questions may help you determine whether you might need an agent’s assistance.

  • Will my vehicle be repaired with OEM or aftermarket parts?
  • Do all my vehicles need collision coverage?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • Can I still get insurance after a DUI?
  • Does insurance cover tools stolen from my truck?
  • What are the best liability limits?
  • Do I have coverage when using my vehicle for my home business?
  • I have good health insurance, so how much medical payments coverage do I need?
  • Do I need medical payments coverage since I have good health insurance?
  • What can I do if my company denied a claim?

If you can’t answer these questions but you know they apply to you, you might consider talking to a licensed insurance agent. If you want to speak to an agent in your area, take a second and complete this form or you can go here for a list of companies in your area. It’s fast, free and you can get the answers you need.

Coverages available on your policy

Learning about specific coverages of auto insurance can help you determine the right coverages for your vehicles. The coverage terms in a policy can be ambiguous and reading a policy is terribly boring. These are the usual coverages offered by auto insurance companies.

Uninsured/Underinsured Motorist (UM/UIM)

This coverage protects you and your vehicle when other motorists are uninsured or don’t have enough coverage. This coverage pays for injuries to you and your family and damage to your Oldsmobile Intrigue.

Due to the fact that many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Normally your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Liability insurance

Liability coverage provides protection from damage that occurs to other’s property or people that is your fault. It protects you from legal claims by others, and does not provide coverage for damage sustained by your vehicle in an accident.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see policy limits of 50/100/50 that translate to a $50,000 limit per person for injuries, a limit of $100,000 in injury protection per accident, and a limit of $50,000 paid for damaged property. Alternatively, you may have a combined single limit or CSL which provides one coverage limit without having the split limit caps.

Liability coverage protects against things like medical services, loss of income and emergency aid. The amount of liability coverage you purchase is up to you, but consider buying higher limits if possible.

Auto collision coverage

Collision insurance will pay to fix damage to your Intrigue caused by collision with another vehicle or an object, but not an animal. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims like sustaining damage from a pot hole, damaging your car on a curb, hitting a mailbox, backing into a parked car and scraping a guard rail. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Drivers also have the option to bump up the deductible in order to get cheaper collision rates.

Comprehensive insurance

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

Comprehensive coverage pays for things such as hitting a deer, hail damage, a broken windshield and damage from a tornado or hurricane. The maximum amount you can receive from a comprehensive claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Med pay and Personal Injury Protection (PIP)

Med pay and PIP coverage pay for bills for funeral costs, rehabilitation expenses and hospital visits. They are utilized in addition to your health insurance policy or if you lack health insurance entirely. Coverage applies to not only the driver but also the vehicle occupants as well as if you are hit as a while walking down the street. Personal Injury Protection is only offered in select states but it provides additional coverages not offered by medical payments coverage

Buy Smart and Save

When shopping online for insurance, it’s very important that you do not reduce coverage to reduce premium. There have been many situations where an accident victim reduced full coverage and learned later they didn’t purchase enough coverage. Your strategy should be to buy a smart amount of coverage at the best price, not the least amount of coverage.

Budget-conscious 1998 Oldsmobile Intrigue insurance can be bought from both online companies and with local insurance agents, and you need to price shop both to get a complete price analysis. Some insurance providers do not offer the ability to get a quote online and most of the time these regional insurance providers sell through independent agents.

More information can be found on the following sites: