Cheap 1999 Oldsmobile Intrigue Insurance Quotes

Want the cheapest car insurance rates for your Oldsmobile Intrigue? Sick and tired of scraping the payment together to buy car insurance? You are in the same boat as many other drivers.

Having so many different company options, it’s difficult to pick the lowest cost insurance company.

It’s a good idea to price shop coverage occasionally due to the fact that insurance rates fluctuate regularly. If you had the lowest rates on Intrigue coverage six months ago there is a good chance you can find better rates now. Forget all the misinformation about car insurance because we’re going to demonstrate the easiest way to find better coverage at a better price.

Compare the Market for Car Insurance

There are several ways you can shop for Oldsmobile Intrigue car insurance but one way is more efficient than others. You could spend the better part of a day discussing policy coverages with insurance companies in your area, or you can stay home and use online quoting to get rates in a matter of minutes.

Many insurance companies participate in a marketplace that allows shoppers to submit one quote, and each participating company can give them a price determined by their information. This eliminates the need for quote requests to each individual car insurance company.

To compare 1999 Oldsmobile Intrigue rates now click to open in new window.

The only downside to using this type of form is you cannot specify which carriers you want to price. If you wish to select specific insurance companies to compare prices, we have assembled a list of companies who write car insurance in your area. Click to view list.

It doesn’t matter which method you choose, just ensure you’re using the exact same quote information for every company. If you compare different liability limits it will be impossible to decipher which rate is best. Slightly different coverages may cause a big price difference. And when comparison shopping, comparing a large number of companies will enable you to find the best offered rates.

Lesser-known factors impacting Oldsmobile Intrigue insurance rates

An important part of buying insurance is that you know the factors that go into determining your insurance coverage rates. Understanding what impacts premium levels enables informed choices that will entitle you to better insurance coverage rates.

Listed below are a partial list of the pieces insurance coverage companies consider when setting prices.

  • Discounts for married couples – Being married helps lower the price on your insurance coverage policy. It translates into being more mature and it’s statistically proven that drivers who are married are more cautious.
  • Better credit scores mean better rates – Credit score is a important factor in determining your rates. Consumers who have excellent credit tend to be less risk to insure as compared to drivers with lower credit ratings. So if your credit history is low, you could be paying less to insure your 1999 Oldsmobile Intrigue by repairing your credit.
  • Pleasure use saves money – The more miles you rack up on your Oldsmobile every year the more you’ll pay to insure your vehicle. Most companies charge to insure your cars based on their usage. Autos left parked in the garage qualify for better rates than vehicles that are driven to work every day. Make sure your insurance coverage policy properly reflects how each vehicle is driven. Incorrect usage on your Intrigue may be wasting your money.
  • Consolidate policies to earn discounts – Some insurers will award you with lower prices to customers who have multiple policies with them in the form of a multi-policy discount. Even if you’re getting this discount you may still want to shop around to verify if the discount is saving money.
  • Save money with special equipment – Choosing a vehicle with anti-theft technology or alarm system can get you a discount on your insurance coverage. Anti-theft features such as GM’s OnStar, tamper alarm systems and vehicle immobilizers can thwart car theft.

Lower rates by qualifying for discounts

Car insurance is not cheap, but there are discounts available to help offset the cost. A few discounts will automatically apply when you get a quote, but a few must be specially asked for in order for you to get them.

  • Own a Home – Owning a home may trigger a insurance policy discount due to the fact that maintaining a home demonstrates responsibility.
  • Military Discounts – Having a family member in the military can result in better rates.
  • Early Switch Discount – Select companies give a discount for buying a policy prior to your current policy expiration. It’s a savings of about 10%.
  • Anti-lock Brakes – Cars that have steering control and anti-lock brakes can avoid accidents and therefore earn up to a 10% discount.
  • Federal Government Employee – Simply working for the federal government could cut as much as 10% off on Intrigue coverage with certain companies.
  • Payment Discounts – If paying your policy premium upfront instead of monthly or quarterly installments you could save up to 5%.
  • 55 and Retired – If you’re over the age of 55, you may be able to get better insurance rates on Intrigue coverage.
  • Theft Prevention System – Vehicles with anti-theft systems help deter theft and qualify for as much as a 10% discount.

As a disclaimer on discounts, some of the credits will not apply to the overall cost of the policy. Some only apply to the cost of specific coverages such as liability and collision coverage. So even though it sounds like it’s possible to get free car insurance, it just doesn’t work that way. Any amount of discount will cut the cost of coverage.

For a list of insurance companies with discount insurance rates, follow this link.

Car insurance is unique, just like you

When it comes to buying the right insurance coverage, there really is no “best” method to buy coverage. Coverage needs to be tailored to your specific needs so this has to be addressed. Here are some questions about coverages that may help highlight whether your personal situation might need professional guidance.

  • How can I get high-risk coverage after a DUI?
  • Am I covered when using my vehicle for business?
  • Do I have coverage for damage caused while driving under the influence?
  • Can I afford low physical damage deductibles?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • What is the rate difference between pleasure use and commuting?

If you don’t know the answers to these questions but a few of them apply then you might want to talk to a licensed insurance agent. To find lower rates from a local agent, fill out this quick form or you can go here for a list of companies in your area.

Insurance coverage considerations

Understanding the coverages of your insurance policy aids in choosing which coverages you need and proper limits and deductibles. The terms used in a policy can be difficult to understand and reading a policy is terribly boring. Shown next are the normal coverages found on the average insurance policy.

Auto collision coverage

This covers damage to your Intrigue resulting from colliding with an object or car. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage pays for things like scraping a guard rail, hitting a parking meter, rolling your car and hitting a mailbox. Collision is rather expensive coverage, so consider dropping it from vehicles that are older. Another option is to increase the deductible to bring the cost down.

Insurance for medical payments

Medical payments and Personal Injury Protection insurance provide coverage for short-term medical expenses like X-ray expenses, chiropractic care, pain medications, dental work and nursing services. They are often utilized in addition to your health insurance program or if you are not covered by health insurance. They cover both the driver and occupants and also covers any family member struck as a pedestrian. PIP is not available in all states and gives slightly broader coverage than med pay

Uninsured Motorist or Underinsured Motorist insurance

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when the “other guys” are uninsured or don’t have enough coverage. It can pay for injuries sustained by your vehicle’s occupants and damage to your Oldsmobile Intrigue.

Since a lot of drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is very important. Usually the UM/UIM limits are similar to your liability insurance amounts.

Liability car insurance

Liability insurance protects you from damage or injury you incur to other’s property or people that is your fault. This coverage protects you against other people’s claims, and does not provide coverage for 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 limits of 100/300/100 that translate to a $100,000 limit per person for injuries, $300,000 for the entire accident, and property damage coverage for $100,000. Occasionally you may see one limit called combined single limit (CSL) that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability can pay for claims like funeral expenses, pain and suffering, loss of income, attorney fees and repair costs for stationary objects. How much liability should you purchase? That is a personal decision, but consider buying higher limits if possible.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance will pay to fix damage OTHER than collision with another vehicle or object. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims such as hail damage, hitting a bird and theft. The maximum amount your insurance company will pay is the market value of your vehicle, so if the vehicle is not worth much consider dropping full coverage.

Be a money saver!

The cheapest 1999 Oldsmobile Intrigue insurance can be purchased online and with local insurance agents, and you should be comparing both to have the best selection. Some companies do not offer the ability to get a quote online and many times these small, regional companies only sell through independent insurance agents.

In this article, we covered many tips how you can lower your insurance rates. It’s most important to understand that the more quotes you get, the better your comparison will be. You may be surprised to find that the lowest premiums are with a lesser-known regional company. These smaller insurers often have lower prices on specific markets than the large multi-state companies such as Geico and State Farm.

Much more information about insurance coverage is located below: