Cheaper 1991 Oldsmobile Bravada Insurance Quotes

Consumers have options when looking for low-cost Oldsmobile Bravada insurance. You can either spend your time contacting agents trying to get quotes or leverage the internet to compare rates.

There are both good and bad ways to compare insurance coverage rates so you’re going to learn the quickest way to compare rates on a Oldsmobile and get the lowest possible price either online or from local insurance agents.

This article will help educate you on how to get online quotes and some tips to save money. If you currently have a car insurance policy, you should be able to lower your premiums substantially using these techniques. Drivers just need to know the proper methods to shop online.

How to compare insurance rate quotes

There are several ways to shop for insurance, but some are less time-consuming than others. You could waste a few hours discussing policy coverages with insurance agencies in your area, or you could use the internet to get the quickest rates.

Many of the larger companies participate in a marketplace that enables customers to complete one form, and at least one company provides a quote based on the submitted data. This saves time by eliminating quote requests to each individual insurance company.

To get comparison pricing now click here to open in new window.

The only downside to getting quotes like this is that you can’t choose the providers to get quotes from. So if you want to select from a list of companies to receive pricing from, we have a listing of the cheapest insurance companies in your area. Click here for list of insurance companies.

Whichever method you choose, make sure you are using the exact same coverages and limits with every price quote. If you compare different values for each quote it will be impossible to make a fair comparison for your Oldsmobile Bravada.

Cheap auto insurance rates with discounts

Properly insuring your vehicles can get expensive, but there’s a good chance there are discounts to help offset the cost. Many discounts should be triggered at the time of quoting, but lesser-known reductions have to be specially asked for before you get the savings.

• Good Students Pay Less – This discount can get you a discount of up to 25%. You can use this discount normally up until you turn 25.
• Air Bag Discount – Vehicles with factory air bags and/or automatic seat belt systems could see savings of more than 20%.
• No Charge for an Accident – Not a discount per se, but a few companies such as State Farm and Progressive will let one accident slide before your rates go up if you are claim-free for a set time period.
• Seat Belts Save more than Lives – Drivers who require all occupants to use their safety belts could cut 10% or more off PIP or medical payments premium.
• Federal Government Employee – Simply working for the federal government could qualify for a slight premium decrease for Bravada insurance with certain companies.
• Drivers Education – It’s a good idea to have your young drivers enroll and complete driver’s education if it’s offered in school.

While discounts sound great, it’s important to understand that most discounts do not apply to all coverage premiums. Most cut specific coverage prices like liability and collision coverage. So even though they make it sound like adding up those discounts means a free policy, it’s just not the way it works. Any amount of discount will definitely reduce your overall bill.

A few popular companies and some of the premium reductions they offer are shown below.

• Farm Bureau discounts include renewal discount, multi-policy, 55 and retired, multi-vehicle, and driver training.
• MetLife policyholders can earn discounts including multi-policy, defensive driver, accident-free, good student, and claim-free.
• Progressive has discounts for good student, homeowner, multi-vehicle, online quote discount, online signing, multi-policy, and continuous coverage.
• AAA may have discounts that include multi-policy, pay-in-full, good driver, good student, multi-car, anti-theft, and education and occupation.
• American Family has savings for multi-vehicle, Steer into Savings, accident-free, bundled insurance, good driver, air bags, and mySafetyValet.
• Geico offers discounts including membership and employees, multi-vehicle, air bags, five-year accident-free, federal employee, multi-policy, and emergency military deployment.
• State Farm may include discounts for student away at school, good driver, driver’s education, Steer Clear safe driver discount, and safe vehicle.

Check with every company which discounts they offer. Some of the discounts discussed earlier might not be offered on policies in your state. To see companies with significant discounts, follow this link.

Tailor your auto insurance coverage to you

When it comes to choosing adequate coverage for your personal vehicles, there really is no single plan that fits everyone. Every insured’s situation is different.

For example, these questions may help highlight if you might need an agent’s assistance.

• Should I bundle my homeowners policy with my auto?
• Does coverage extend to Mexico or Canada?
• Is my nanny covered when driving my vehicle?
• Do I have newly-aquired coverage?
• What discounts do I qualify for?
• What should my uninsured motorist coverage limits be in my state?

If you don’t know the answers to these questions but you think they might apply to your situation, you may need to chat with an insurance agent. To find lower rates from a local agent, complete this form. It’s fast, free and can provide invaluable advice.

Get cheaper insurance prices by understanding these factors

The best way to find cheaper insurance is to take a look at the different types of things that come into play when calculating the price you pay for insurance. If you have a feel for what determines premiums, this enables informed choices that will entitle you to cheaper rates.

The following are some of the most rate-impacting factors utilized by car insurance companies to help set rates.

• Single drivers take more risk – Getting married may save some money on insurance. Having a spouse generally demonstrates drivers are more mature and responsible and statistics prove married couples file fewer claims.
• Do thieves like your car? – Choosing a vehicle with advanced anti-theft systems can help bring down rates. Anti-theft devices like LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system all aid in stopping auto theft.
• Policy add-ons add up – Policies have additional coverages that may not really be needed on your insurance policy. Insurance for things like personal injury protection, death and dismemberment, and term life insurance may be costing you every month. These may sound like a good investment when deciding what coverages you need, but your money might be better spent on other coverage so think about removing them and cutting costs.
• Safer cars cost less to insure – Vehicles with good safety scores are cheaper to insure. Vehicles engineered for safety help reduce the chance of injuries in an accident and reduced instances of injuries translates into savings for insurance companies and cheaper rates on your policy. If your Oldsmobile Bravada has at least four stars on Safercar.gov it may be receiving lower rates.
• Save money by raising deductibles – The deductibles you choose represent how much money you are required to spend out-of-pocket if a covered claim is submitted. Physical damage coverage, otherwise known as comp (or other than collision) and collision, protects your car from damage. Some examples of claims that would be covered would be a windshield broken by a bird, hail damage, and damage caused by road hazards. The more expense you pay before a claim is paid (deductible), the less money you will pay for insurance for Bravada insurance.
• How many miles do you drive? – Driving a lot of miles annually the more it will cost to insure it. Almost all companies calculate prices based upon how the vehicle is primarily used. Vehicles that have low annual miles can be on a lower rate level than those that get driven frequently. It’s always a good idea to double check that your vehicle rating shows the proper vehicle usage, because it can save money. A policy that improperly rates your Bravada is throwing money out the window.

Can you really save that much by switching?

Consumers can’t get away from all the ads for cheaper insurance from companies such as State Farm, Geico and Progressive. They all have a common claim that you can save after switching to their company.

But how can every company give you a better price? This is the way they can do it.

Different companies have specific criteria for the type of customer that is profitable for them. A good example of this type of risk profile may be over the age of 50, has few claims, and does not commute to work. A customer getting a price quote that fits those parameters will most likely get cheap rates and as a result will probably save when they switch companies.

People who are not a match for these criteria will probably be forced to pay a higher rate with the end result being the customer buying from a different company. The ads say “customers that switch” not “all people who quote” save that much when switching. That’s why companies can make those statements.

Because of the profiling, you need to compare rate quotes every year. It’s just not possible to know which company will have the lowest rate quotes.

Car insurance policy coverages for a 1991 Oldsmobile Bravada

Having a good grasp of your car insurance policy aids in choosing which coverages you need at the best deductibles and correct limits. The terms used in a policy can be ambiguous and coverage can change by endorsement.

Collision coverages – This covers damage to your Bravada from colliding with a stationary object or other vehicle. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for things like driving through your garage door, scraping a guard rail and hitting a mailbox. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are older. Drivers also have the option to choose a higher deductible to bring the cost down.

Coverage for medical expenses – Coverage for medical payments and/or PIP reimburse you for immediate expenses for things like surgery, ambulance fees, dental work, X-ray expenses and rehabilitation expenses. They can be used in conjunction with a health insurance program or if there is no health insurance coverage. It covers both the driver and occupants in addition to if you are hit as a while walking down the street. PIP is not available in all states and gives slightly broader coverage than med pay

Comprehensive car insurance – Comprehensive insurance coverage will pay to fix damage from a wide range of events other than collision. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive insurance covers claims like hail damage, damage from getting keyed and damage from flooding. The highest amount your car insurance company will pay is the actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Coverage for uninsured or underinsured drivers – This coverage gives you protection from other motorists when they do not carry enough liability coverage. Covered claims include injuries to you and your family as well as damage to your 1991 Oldsmobile Bravada.

Because many people only carry the minimum required liability limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is important protection for you and your family. Normally these coverages are identical to your policy’s liability coverage.

Auto liability insurance – This coverage will cover damages or injuries you inflict on other people or property. This coverage protects you against claims from other people. It does not cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You might see values of 100/300/100 which stand for a $100,000 limit per person for injuries, a total of $300,000 of bodily injury coverage per accident, and property damage coverage for $100,000. Another option is a combined limit which provides one coverage limit rather than limiting it on a per person basis.

Liability coverage protects against things like repair bills for other people’s vehicles, legal defense fees, structural damage, bail bonds and funeral expenses. The amount of liability coverage you purchase is your choice, but consider buying as high a limit as you can afford.

More choices the merrier

People change insurance companies for a variety of reasons including policy non-renewal, unfair underwriting practices, denial of a claim and being labeled a high risk driver. Whatever your reason, finding a great new company can be easier than you think.

We’ve covered some good ideas how you can compare 1991 Oldsmobile Bravada insurance auto insurance rates online. The key concept to understand is the more rate quotes you have, the better your comparison will be. You may even find the lowest priced car insurance comes from a lesser-known regional company.

As you quote insurance, don’t be tempted to buy lower coverage limits just to save a few bucks. In many cases, an insured cut physical damage coverage only to regret they didn’t have enough coverage. The ultimate goal is to buy enough coverage for the lowest cost while still protecting your assets.

For more information, feel free to visit these articles:

• Event Data Recorders FAQ (iihs.org)
• Liability Insurance Coverage (Nationwide)
• What is Covered by GAP Insurance? (Allstate)
• Parking Tips to Reduce Door Dings (State Farm)
• What is Covered by an Auto Insurance Policy? (Insurance Information Insitute)