2000 Oldsmobile Alero Insurance Rates – 5 Ideas for Cheaper Quotes

Want cheaper insurance rates for your Oldsmobile Alero? If shopping for insurance online is new to you, it’s easy to be confused due to the large number of companies selling insurance.

Choosing the best insurance company for you is not rocket science. Essentially every driver who carries insurance coverage most likely will be able to find better rates. But car owners should learn how insurance companies sell insurance online because it can help you find the best coverage.

The quickest method we recommend to compare car insurance company rates is to know the trick most of the larger companies allow for online access to compare rate quotes. All you need to do is take a few minutes to give details such as your job, driver details, how much school you completed, and level of coverage desired. Your insurance information is then sent to multiple insurance providers and they provide comparison quotes very quickly.

To compare rates for a 2000 Oldsmobile Alero now, click here and complete the form.

Cut your premium with these five discounts

Car insurance companies do not list all their discounts in a way that’s easy to find, so we break down both the well known and the more hidden auto insurance savings.

• Drivers Education – Have your child enroll in driver’s education in school.
• New Vehicle Savings – Adding a new car to your policy is cheaper because new vehicles have to meet stringent safety requirements.
• Safe Driver Discount – Safe drivers can pay as much as 50% less for Alero coverage than less cautious drivers.
• No Charge for an Accident – Certain companies will allow you to have one accident before hitting you with a surcharge as long as you don’t have any claims prior to the accident.
• Good Student – A discount for being a good student can get you a discount of up to 25%. The discount lasts up to age 25.

As a disclaimer on discounts, many deductions do not apply to the overall cost of the policy. Some only reduce the price of certain insurance coverages like liability and collision coverage. So when it seems like having all the discounts means you get insurance for free, it just doesn’t work that way.

To see a list of insurers with the best auto insurance discounts, follow this link.

What is the best insurance coverage?

When buying adequate coverage, there really is no cookie cutter policy. Your needs are not the same as everyone else’s.

For instance, these questions can help discover whether your personal situation could use an agent’s help.

• How can I get my company to pay me more for my totalled car?
• Will I be non-renewed for getting a DUI or other conviction?
• Why do I only qualify for high-risk insurance?
• What are the financial responsibility laws in my state?
• What are the best liability limits?
• Am I covered by my employer’s commercial auto policy when driving my personal car for business?

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, take a second and complete this form.

Parts of your auto insurance policy

Understanding the coverages of your policy aids in choosing the right coverages and the correct deductibles and limits. The coverage terms in a policy can be confusing and nobody wants to actually read their policy.

Collision insurance

Collision insurance pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You have to pay a deductible then your collision coverage will kick in.

Collision insurance covers claims such as sustaining damage from a pot hole, scraping a guard rail, hitting a mailbox, rolling your car and hitting a parking meter. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are older. You can also raise the deductible to save money on collision insurance.

UM/UIM Coverage

This coverage protects you and your vehicle from other motorists when they do not carry enough liability coverage. This coverage pays for injuries to you and your family as well as damage to your Oldsmobile Alero.

Since 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 a good idea.

Liability insurance

Liability insurance will cover damage or injury you incur to people or other property in an accident. It consists of three limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show limits of 50/100/50 that translate to a limit of $50,000 per injured person, a total of $100,000 of bodily injury coverage per accident, and property damage coverage for $50,000.

Liability coverage pays for claims like emergency aid, pain and suffering and court costs. How much coverage you buy is a decision to put some thought into, but you should buy as large an amount as possible.

Comprehensive or Other Than Collision

This coverage covers damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for things such as rock chips in glass, hitting a bird, a broken windshield and hail damage. The highest amount you’ll receive from a claim is the actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Medical costs insurance

Medical payments and Personal Injury Protection insurance kick in for bills for hospital visits, dental work and EMT expenses. They are used to cover expenses not covered by your health insurance plan or if there is no health insurance coverage. Coverage applies to not only the driver but also the vehicle occupants as well as any family member struck as a pedestrian. PIP coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage