Cheap 2001 Oldsmobile Intrigue Car Insurance Rates

Looking for lower car insurance rates for your Oldsmobile Intrigue? Have you fallen victim to high-priced car insurance? Trust us when we tell you there are a lot of people just like you who feel imprisoned by their car insurance policy.

Big-name insurance companies like Progressive, State Farm and Geico increase brand awareness with advertising and it is challenging if not impossible to not get sucked in by the cute commercials and find the best price available.

If you are paying for car insurance now, you should be able to cut costs considerably using these techniques. Finding affordable coverage is quite easy. But consumers must learn how big insurance companies sell online and apply this information to your search.

The best way we recommend to compare car insurance rates is to know all the major auto insurance companies provide online access to give you rate quotes. The only thing you need to do is give them some information such as what you do for a living, which vehicles you own, whether you are single or married, and how old drivers are. Your rating data is instantly provided to insurance carriers in your area and you receive quotes within a short period of time.

To find lower rates now, click here and see if a lower rate is available.

How to reduce 2001 Oldsmobile Intrigue insurance rates

Insuring your vehicles can cost a lot, but discounts can save money and there are some available to help offset the cost. Some discounts apply automatically at the time of purchase, but a few need to be asked about in order for you to get them.

  • Student Driver Training – Have your child enroll in driver’s education in school.
  • New Vehicle Savings – Putting insurance coverage on a new car can cost up to 25% less compared to insuring an older model.
  • Sign Early and Save – A few companies offer discounts for switching policies before your current expiration date. It can save you around 10%.
  • Senior Citizens – If you’re over the age of 55, you may be able to get reduced rates on Intrigue coverage.
  • Clubs and Organizations – Belonging to a professional or civic organization could qualify you for a break on your policy on Intrigue coverage.
  • Anti-theft Discount – Cars that have factory anti-theft systems help deter theft and will save you 10% or more.
  • Federal Government Employee – Simply working for the federal government can save as much as 8% on Intrigue coverage depending on your company.
  • Accident Waiver – A handful of insurance companies allow you one accident before raising your premiums if your claims history is clear for a certain period of time.

It’s important to understand that most credits do not apply to the overall cost of the policy. Some only reduce individual premiums such as collision or personal injury protection. Just because it seems like it’s possible to get free car insurance, companies don’t profit that way. But all discounts will bring down the cost of coverage.

For a list of insurers offering insurance coverage discounts, click this link.

Tailor your coverage to you

When choosing coverage for your personal vehicles, there really is not a one size fits all plan. Everyone’s situation is unique and a cookie cutter policy won’t apply. For example, these questions can help discover whether your personal situation might need an agent’s assistance.

  • Am I covered when driving on a suspended license?
  • Do I have any recourse if my insurance company denies a claim?
  • Are my friends covered when driving my 2001 Oldsmobile Intrigue?
  • When would I need rental car insurance?
  • Will my insurance pay for OEM parts?
  • What is the minimum liability in my state?
  • Is my Oldsmobile Intrigue covered if I use it for business?

If you’re not sure about those questions, you might consider talking to an agent. If you want to speak to an agent in your area, complete this form or click here for a list of car insurance companies in your area.

What determines your Oldsmobile Intrigue insurance premium

Smart consumers have a good feel for the different types of things that help determine the rates you pay for car insurance. Having a good understanding of what determines base rates empowers consumers to make smart changes that could result in better car insurance rates.

The following are some of the factors used by your company to calculate premiums.

  • Younger drivers pay higher rates – Youthful drivers are known to get distracted easily when driving so car insurance rates are higher. Having to add a teenage driver to your car insurance policy can be very expensive. More mature drivers are more responsible, statistically cause fewer accidents and receive fewer citations.
  • Don’t cancel a policy without a new one in place – Driving without insurance is illegal and your next policy will cost more because you let your insurance expire. And not only will insurance be more expensive, but not being able to provide proof of insurance might get you a revoked license or a big fine.You may have to prove you have insurance by filing a SR-22 with your state motor vehicle department.
  • Are you male or female? – Statistics demonstrate women tend to be less risk to insure than men. That doesn’t necessarily mean that men are WORSE drivers than women. Both sexes cause accidents at a similar rate, but the males cause more damage. They also have more aggressive citations like DUI and reckless driving. Young males are several times more likely to be in an accident and thus pay the highest rates.
  • Traffic citations inflate rates – Whether or not you get tickets has a huge affect on how much you pay. Careful drivers receive lower rates than their less careful counterparts. Even a single speeding ticket can boost insurance rates by twenty percent. Drivers with dangerous tickets like reckless driving, hit and run or driving under the influence are required to file a SR-22 with their state motor vehicle department in order to prevent a license revocation.
  • Don’t get talked into coverage you don’t need – There are many add-on coverages that you can buy if you aren’t careful. Coverages for rental car reimbursement, towing coverage and additional equipment coverage may be wasting your money. These coverages may sound good initially, but now you might not need them so eliminate them to save money.

Coverage specifics

Having a good grasp of your auto insurance policy can be of help when determining the best coverages and proper limits and deductibles. The coverage terms in a policy can be ambiguous and even agents have difficulty translating policy wording. Shown next are typical coverage types available from auto insurance companies.

Uninsured and underinsured coverage

Your UM/UIM coverage gives you protection from other drivers when they are uninsured or don’t have enough coverage. Covered claims include hospital bills for your injuries and damage to your 2001 Oldsmobile Intrigue.

Because many people only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage should not be overlooked. Most of the time these coverages are similar to your liability insurance amounts.

Liability coverages

This coverage provides protection from injuries or damage you cause to people or other property by causing an accident. This coverage protects you from legal claims by others, and does not provide coverage for damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show values of 100/300/100 which means a $100,000 limit per person for injuries, a limit of $300,000 in injury protection per accident, and $100,000 of coverage for damaged propery. Occasionally you may see a combined single limit or CSL which combines the three limits into one amount without having the split limit caps.

Liability coverage protects against claims such as funeral expenses, court costs, attorney fees and pain and suffering. How much liability should you purchase? That is up to you, but you should buy higher limits if possible.

Coverage for medical payments

Medical payments and Personal Injury Protection insurance reimburse you for immediate expenses like surgery, X-ray expenses, prosthetic devices and doctor visits. They are often used to fill the gap from your health insurance program or if there is no health insurance coverage. They cover not only the driver but also the vehicle occupants and also covers any family member struck as a pedestrian. Personal injury protection coverage is not universally available and gives slightly broader coverage than med pay

Coverage for collisions

This pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for things like colliding with another moving vehicle, crashing into a ditch and hitting a parking meter. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are older. Another option is to choose a higher deductible in order to get cheaper collision rates.

Comprehensive coverages

Comprehensive insurance coverage pays for damage that is not covered by collision coverage. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims such as vandalism, a tree branch falling on your vehicle, fire damage and theft. The most a auto insurance company will pay at claim time is the actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Better coverage you can count on

Budget-conscious 2001 Oldsmobile Intrigue insurance can be sourced online and with local insurance agents, and you need to comparison shop both so you have a total pricing picture. Some car insurance companies do not offer online quoting and most of the time these regional insurance providers sell through independent agents.

Throughout this article, we presented a lot of techniques to compare insurance prices online. The most important thing to understand is the more times you quote, the better chance you’ll have of finding lower rates. You may even discover the lowest premiums are with the least-expected company. Smaller companies can often provide lower rates in certain areas than the large multi-state companies such as State Farm or Progressive.

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