2002 Oldsmobile Intrigue Insurance Rates – 10 Policy Discounts

Searching for cheaper auto insurance rates for your Oldsmobile Intrigue? I can’t think of anyone who cherishes buying auto insurance, especially knowing their premiums are through the roof. Consumers have many auto insurance companies to buy insurance from, and even though it’s nice to have multiple companies, too many choices makes it more difficult to compare company pricing.

It is always a good idea to shop coverage around yearly since insurance rates are adjusted regularly by insurance companies. Despite the fact that you may have had the lowest rates for Intrigue insurance a few years ago there is a good chance you can find better rates now. You can find a lot of wrong information about auto insurance online, so I’m going to show you a lot of great tips on how to slash your auto insurance rates.

The purpose of this post is to familiarize you with the most effective way to quote insurance. If you are paying for car insurance now, you stand a good chance to be able to cut costs considerably using this information. Drivers only need an understanding of the most effective way to shop their coverage around online.

These ten discounts can lower your rates

Car insurance is not cheap, but you may find discounts to cut the cost considerably. Most are applied when you get a quote, but a few must be asked for in order for you to get them. If you’re not getting every credit available, you’re just leaving money on the table.

  • Good Student Discount – Performing well in school can be rewarded with saving of up to 25%. Earning this discount can benefit you up to age 25.
  • Driver’s Ed – Have your child complete a driver education course in school.
  • Memberships – Affiliation with a professional or civic organization could qualify you for a break on insurance for Intrigue insurance.
  • Resident Student – Youth drivers who attend school more than 100 miles from home without a vehicle on campus may be able to be covered for less.
  • Braking Control Discount – Anti-lock brake equipped vehicles can avoid accidents and earn discounts up to 10%.
  • Safety Course Discount – Taking a driver safety course could possibly earn you a 5% discount if your company offers it.
  • 55 and Retired – If you qualify as a senior citizen, you may be able to get a small decrease in premiums for Intrigue insurance.
  • Homeowners Pay Less – Being a homeowner can save you money because maintaining a house requires personal responsibility.
  • Claim Free – Drivers with accident-free driving histories pay less when compared to bad drivers.
  • Seat Belts Save more than Lives – Buckling up and requiring all passengers to buckle their seat belts can save 10% or more on the medical payments or PIP coverage costs.

A little note about advertised discounts, most discounts do not apply to all coverage premiums. Some only reduce specific coverage prices like physical damage coverage or medical payments. Just because it seems like adding up those discounts means a free policy, companies don’t profit that way. Any amount of discount will bring down the cost of coverage.

Insurance companies that possibly offer these money-saving discounts include:

It’s a good idea to ask all companies you are considering what discounts are available to you. Savings may not apply in your area.

Different people need different coverages

When buying the best insurance coverage, there really is not a best way to insure your cars. Everyone’s needs are different so this has to be addressed. For instance, these questions may help you determine whether you could use an agent’s help.

  • Is upholstery damage covered by car insurance?
  • Is business equipment covered while in my vehicle?
  • Does my insurance cover damage caused when ticketed for reckless driving?
  • Am I covered when driving on a suspended license?
  • What if I total my 2002 Oldsmobile Intrigue and owe more than it’s worth?
  • Should I buy only the required minimum liability coverage?

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 an agent. To find an agent in your area, complete this form or click here for a list of insurance companies in your area. It is quick, free and can provide invaluable advice.

Buyer beware of car insurance advertising tricks

Consumers get pounded daily by advertisements for car insurance savings from companies such as Progressive, Allstate and Geico. They all have a common claim that you can save after switching your policy.

But how can every company make the same claim?

Insurance companies can use profiling for the type of driver they prefer to insure. A good example of a profitable customer might be between 25 and 40, has no prior claims, and drives less than 7,500 miles a year. Any driver who fits that profile is entitled to the best price and as a result will probably save when they switch companies.

Consumers who are not a match for these standards must pay higher prices which leads to the customer not buying. Company advertisements say “customers who switch” not “everyone that quotes” save that much money. That is how insurance companies can advertise the savings.

This illustrates why it is so important to get quotes from several different companies. It’s just too difficult to predict which car insurance company will have the lowest Oldsmobile Intrigue insurance rates.

Insurance coverage options for an Oldsmobile Intrigue

Having a good grasp of insurance helps when choosing which coverages you need and the correct deductibles and limits. Policy terminology can be difficult to understand and reading a policy is terribly boring. Below you’ll find typical coverage types found on most insurance policies.

Coverage for medical payments – Personal Injury Protection (PIP) and medical payments coverage pay for short-term medical expenses like surgery, dental work, X-ray expenses and EMT expenses. They can be used to fill the gap from your health insurance plan or if you do not have health coverage. They cover both the driver and occupants and also covers being hit by a car walking across the street. Personal Injury Protection is not available in all states and may carry a deductible

Comprehensive coverages – This pays for damage OTHER than collision with another vehicle or object. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things like vandalism, hitting a deer, falling objects, damage from a tornado or hurricane and a broken windshield. The maximum amount your insurance company will pay is the actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Uninsured and underinsured coverage – This coverage provides protection when other motorists either have no liability insurance or not enough. This coverage pays for injuries sustained by your vehicle’s occupants and also any damage incurred to your 2002 Oldsmobile Intrigue.

Due to the fact that many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages should not be overlooked. Normally these limits do not exceed the liability coverage limits.

Collision – Collision insurance covers damage to your Intrigue resulting from colliding with an object or car. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims like damaging your car on a curb, crashing into a building, hitting a parking meter, colliding with a tree and scraping a guard rail. Paying for collision coverage can be pricey, so consider removing coverage from older vehicles. Drivers also have the option to choose a higher deductible to save money on collision insurance.

Liability insurance – This provides protection from damage that occurs to other people or property. This insurance protects YOU from claims by other people. Liability doesn’t cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have liability limits of 50/100/50 which stand for a limit of $50,000 per injured person, a limit of $100,000 in injury protection per accident, and a total limit of $50,000 for damage to vehicles and property. Another option is a combined single limit or CSL which provides one coverage limit rather than limiting it on a per person basis.

Liability coverage pays for things like attorney fees, medical services, legal defense fees and court costs. How much coverage you buy is up to you, but it’s cheap coverage so purchase as large an amount as possible.

Take this to the bank

Affordable 2002 Oldsmobile Intrigue insurance is attainable online in addition to many insurance agents, and you need to comparison shop both to have the best selection. There are still a few companies who do not provide the ability to get a quote online and many times these small, regional companies only sell through independent insurance agents.

You just learned a lot of tips how to compare insurance prices online. The key concept to understand is the more rate quotes you have, the better your comparison will be. Consumers may even find the most savings is with some of the lesser-known companies. They may often insure only within specific states and give getter rates as compared to the big name companies such as State Farm and Allstate.

Even more information can be read in these articles: