1999 Oldsmobile Bravada Insurance Quotes – 8 Discounts for Cheapest Rates

Having to pay for overpriced insurance can drain your savings account, especially in this economy. Doing a price comparison is a great way to help make ends meet. There are many insurance companies to purchase coverage from, and even though it’s nice to have a selection, it can be more challenging to compare rates and find the lowest cost insurance.

The purpose of this post is to familiarize you with how to effectively get price quotes and some tips to save money. If you currently have a car insurance policy, you will be able to cut costs considerably using this strategy. Drivers only need an understanding of the tricks to compare price quotes over the internet.

The quickest method we recommend to compare car insurance company rates is to know auto insurance companies participate in online systems to quote your coverage. The only thing you need to do is provide details including your education level, your credit rating estimate, the ages of drivers, and daily mileage. The rating information gets transmitted to insurance carriers in your area and you will receive price estimates instantly.

Switch companies and save? Really?

Consumers can’t get away from ads for car insurance savings from the likes of State Farm and Allstate. They all seem to say the same thing of big savings if you move your coverage to them.

But how can every company make the same claim?

All companies can use profiling for the type of driver that is profitable for them. For example, a profitable customer could possibly be over the age of 50, owns a home, and has great credit. A customer getting a price quote who matches those parameters gets the lowest rates and as a result will probably save a lot of money.

Consumers who don’t meet the requirements will be quoted higher rates and ends up with business not being written. Company advertisements say “drivers who switch” not “everybody who quotes” save that much money. That is how insurance companies can make those claims.

This emphasizes why you should quote coverage with many companies. It is impossible to predict which insurance company will provide you with the cheapest Oldsmobile Bravada insurance rates.

You probably qualify for some discounts

Properly insuring your vehicles can get expensive, but you may find discounts to help bring down the price. Certain discounts will be triggered automatically at quote time, but less common discounts must be specially asked for before they will apply. If you’re not getting every credit possible, you’re paying more than you need to.

  • Good Students Pay Less – Performing well in school can earn a discount of 20% or more. The discount lasts up to age 25.
  • Passive Restraints and Air Bags – Vehicles equipped with air bags or motorized seat belts can receive discounts of more than 20%.
  • Multi-policy Discount – When you combine your home and auto insurance with the same insurance company you may save 10% to 20% off each policy.
  • Low Mileage Discounts – Driving fewer miles could be rewarded with discounted rates on garaged vehicles.
  • 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 paying your policy premium upfront instead of monthly or quarterly installments you can actually save on your bill.
  • Seat Belts Save – Drivers who require all occupants to buckle their seat belts could save 15% off the personal injury premium cost.
  • Defensive Driving Course – Successfully completing a driver safety course could possibly earn you a 5% discount and easily recoup the cost of the course.

Consumers should know that most discount credits are not given to your bottom line cost. Some only apply to the price of certain insurance coverages like comp or med pay. So when the math indicates you can get free auto insurance, you’re out of luck. But any discount will reduce your overall premium however.

To see a list of providers with the best insurance discounts, click here.

There’s no such thing as the perfect policy

When it comes to choosing coverage, there really is not a single plan that fits everyone. Everyone’s situation is a little different so your insurance should reflect that Here are some questions about coverages that could help you determine if you would benefit from professional advice.

  • Does having multiple vehicles earn me a discount?
  • Can I afford to buy a different vehicle if my 1999 Oldsmobile Bravada is totaled?
  • Is my business laptop covered if it gets stolen from my vehicle?
  • How can I get my company to pay me more for my totalled car?
  • Am I covered if I drive in a foreign country?
  • How does medical payments coverage work?
  • Why do I need rental car insurance?
  • Do I really need UM/UIM coverage?
  • Is my 1999 Oldsmobile Bravada covered for smoke damage?

If it’s difficult to answer those questions but one or more may apply to you, then you may want to think about talking to a licensed agent. To find lower rates from a local agent, complete this form or you can also visit this page to select a carrier It is quick, free and may give you better protection.

Specific coverages for a 1999 Oldsmobile Bravada

Knowing the specifics of your policy helps when choosing the right coverages and proper limits and deductibles. The terms used in a policy can be impossible to understand and even agents have difficulty translating policy wording. Listed below are typical coverages found on the average auto insurance policy.

Coverage for liability – This will cover damage or injury you incur to other’s property or people that is your fault. This insurance protects YOU against other people’s claims. Liability doesn’t cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see liability limits of 25/50/25 that means you have a limit of $25,000 per injured person, a total of $50,000 of bodily injury coverage per accident, and a total limit of $25,000 for damage to vehicles and property. Another option is one number which is a combined single limit that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability can pay for claims like structural damage, funeral expenses, attorney fees, emergency aid and court costs. How much coverage you buy is a personal decision, but consider buying as large an amount as possible.

Uninsured Motorist or Underinsured Motorist insurance – This coverage protects you and your vehicle’s occupants from other drivers when they either have no liability insurance or not enough. Covered losses include injuries to you and your family and also any damage incurred to your Oldsmobile Bravada.

Due to the fact that many drivers only carry the minimum required liability limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Normally the UM/UIM limits do not exceed the liability coverage limits.

Comprehensive coverage (or Other than Collision) – Comprehensive insurance pays to fix your vehicle from damage that is not covered by collision coverage. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things like damage from flooding, a tree branch falling on your vehicle, hail damage and a broken windshield. The maximum payout you can receive from a comprehensive claim is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Insurance for medical payments – Coverage for medical payments and/or PIP provide coverage for immediate expenses such as chiropractic care, ambulance fees, prosthetic devices and dental work. They are used to cover expenses not covered by your health insurance policy or if you do not have health coverage. It covers all vehicle occupants and will also cover getting struck while a pedestrian. PIP is not universally available but it provides additional coverages not offered by medical payments coverage

Collision coverages – Collision insurance pays for damage to your Bravada resulting from a collision with another car or object. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims like crashing into a ditch, scraping a guard rail and rolling your car. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Another option is to bump up the deductible in order to get cheaper collision rates.

A penny earned…

Low-cost 1999 Oldsmobile Bravada insurance is available on the web as well as from independent agents, and you need to price shop both to have the best selection. Some insurance providers don’t offer the ability to get a quote online and these smaller companies work with independent agents.

When buying insurance coverage, it’s a bad idea to buy poor coverage just to save money. Too many times, someone sacrificed comprehensive coverage or liability limits only to regret at claim time that it was a big error on their part. Your goal should be to buy a smart amount of coverage for the lowest price.

More detailed car insurance information is available in the articles below: