2001 Oldsmobile Aurora Car Insurance Rates

Finding lower premiums on insurance is nearly impossible for consumers new to comparing rates online. Drivers have so many options that it can quickly become a real challenge to find the best price.

If you currently have car insurance, you stand a good chance to be able to save some money using these methods. Finding the lowest cost coverage is simple if you know the tricks. But drivers do need to understand how companies sell online and take advantage of how the system works.

The method we recommend to compare car insurance company rates is to take advantage of the fact most insurance companies pay for the opportunity to compare rate quotes. The only thing you need to do is give them rating details like your general credit rating, the make and model of your vehicles, if it has an alarm system, and what you do for a living. That rating data is automatically sent to insurance carriers in your area and they provide comparison quotes with very little delay.

To compare rates now, click here then complete the form.

Verify you’re getting all your discounts

Insurance can cost an arm and a leg, but there could be available discounts that you may not even be aware of. A few discounts will automatically apply at quote time, but some must be requested specifically before being credited.

  • Auto/Life Discount – Select insurance companies reward you with better rates if you take out auto and life insurance together.
  • Military Discounts – Being on active duty in the military could mean lower rates.
  • Sign Online – A few companies will give a small break for buying a policy and signing up online.
  • Organization Discounts – Being a member of certain professional organizations could qualify you for a break when shopping for insurance for Aurora insurance.
  • Student Driver Training – Make teen driver coverage more affordable by requiring them to successfully complete driver’s ed class in school.
  • Fewer Miles Equal More Savings – Low mileage vehicles can earn discounted rates on garaged vehicles.

It’s important to note that most discounts do not apply to the overall cost of the policy. Some only apply to the cost of specific coverages such as comp or med pay. So even though it sounds like you could get a free insurance policy, you’re out of luck. But any discount will reduce the cost of coverage.

A partial list of companies that may offer some of the above discounts may include but are not limited to:

It’s a good idea to ask all companies you are considering how you can save money. Discounts might not apply everywhere.

When should I talk to an agent?

When it comes to buying proper insurance coverage, there is no “best” method to buy coverage. Everyone’s needs are different.

For instance, these questions may help highlight if you would benefit from professional advice.

  • When should I drop full coverage on my 2001 Oldsmobile Aurora?
  • Do I need added coverage for expensive stereo equipment?
  • Will filing a claim cost me more?
  • What vehicles should carry emergency assistance coverage?
  • Why is insurance for a teen driver so high?
  • Can I drive in Mexico and have coverage?

If it’s difficult to answer those questions but a few of them apply then you might want to talk to a licensed insurance agent. If you don’t have a local agent, take a second and complete this form.

Car insurance coverage information

Learning about specific coverages of your policy aids in choosing the best coverages and proper limits and deductibles. Policy terminology can be confusing and nobody wants to actually read their policy.

Uninsured and underinsured coverage – This coverage gives you protection from other motorists when they either are underinsured or have no liability coverage at all. This coverage pays for injuries to you and your family as well as your vehicle’s damage.

Since many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Normally these coverages are identical to your policy’s liability coverage.

Collision – This coverage pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for things like sideswiping another vehicle, colliding with another moving vehicle, driving through your garage door, crashing into a building and crashing into a ditch. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are older. It’s also possible to bump up the deductible to get cheaper collision coverage.

Liability coverage – This coverage protects you from damage that occurs to people or other property that is your fault. It protects YOU from claims by other people. Liability doesn’t cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have values of 25/50/25 that translate to a limit of $25,000 per injured person, $50,000 for the entire accident, and $25,000 of coverage for damaged propery. Some companies may use one limit called combined single limit (CSL) which provides one coverage limit rather than limiting it on a per person basis.

Liability insurance covers things like structural damage, bail bonds, loss of income and attorney fees. How much liability coverage do you need? That is a decision to put some thought into, but it’s cheap coverage so purchase as large an amount as possible.

Coverage for medical payments – Personal Injury Protection (PIP) and medical payments coverage kick in for expenses such as dental work, EMT expenses, funeral costs and nursing services. They are often utilized in addition to your health insurance policy or if you do not have health coverage. It covers both the driver and occupants and also covers being hit by a car walking across the street. PIP coverage is not an option in every state and gives slightly broader coverage than med pay

Comprehensive coverages – This will pay to fix damage OTHER than collision with another vehicle or object. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims such as a tree branch falling on your vehicle, damage from flooding and rock chips in glass. The maximum payout a insurance company will pay at claim time is the actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Coverage on a shoestring budget

You just read many tips how you can lower your 2001 Oldsmobile Aurora insurance rates. It’s most important to understand that the more rate comparisons you have, the better your comparison will be. You may even find the lowest rates come from a company that doesn’t do a lot of advertising.

Lower-priced insurance can be purchased both online in addition to many insurance agents, so you should be comparing quotes from both to have the best chance of lowering rates. Some insurance providers do not provide online price quotes and these small, regional companies work with independent agents.

Drivers leave their current company for a number of reasons such as poor customer service, unfair underwriting practices, being labeled a high risk driver or even denial of a claim. Regardless of your reason for switching companies, choosing a new insurance company can be less work than you think.

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