Lower Your 1993 Oldsmobile Achieva Insurance Rates

Keep in mind that some of the credits will not apply to all coverage premiums. Some only apply to the price of certain insurance coverages like physical damage coverage or medical payments. Just because it seems like having all the discounts means you get insurance for free, insurance companies wouldn’t stay in business.

Companies and a partial list of their discounts are detailed below.

• State Farm discounts include Drive Safe & Save, passive restraint, multiple policy, anti-theft, accident-free, driver’s education, and safe vehicle.
• Esurance may have discounts that include anti-lock brakes, online shopper, multi-car, claim free, safety device, defensive driver, and good driver.
• Progressive includes discounts for homeowner, continuous coverage, online quote discount, online signing, multi-vehicle, and good student.
• Liberty Mutual may include discounts for newly married, newly retired, new graduate, good student, multi-policy, and safety features.
• Auto-Owners Insurance offers premium reductions for group or association, teen driver, company car, safe driver, and student away at school.
• Geico has savings for anti-theft, five-year accident-free, emergency military deployment, anti-lock brakes, military active duty, multi-policy, and driver training.

Before buying, ask each insurance company how many discounts you can get. Some discounts listed above may not apply to policyholders in your area. If you would like to view insurers who offer discounts, click here to view.

You may need specialized auto insurance coverage

When choosing adequate coverage, there really is no “best” method to buy coverage. Each situation is unique so this has to be addressed. For instance, these questions may help highlight if your situation would benefit from an agent’s advice.

• Does coverage extend to Mexico or Canada?
• When should I not file a claim?
• Am I covered if I crash into my own garage door?
• Where can I find high-risk insurance?
• Should I put collision coverage on all my vehicles?
• How do I insure my teen driver?
• Is my camper covered by my car insurance policy?
• Does medical payments coverage apply to all occupants?
• Am I missing any policy discounts?
• Do I need motorclub coverage?

If you’re not sure about those questions but a few of them apply, you might consider talking to a licensed insurance agent. If you don’t have a local agent, complete this form or you can go here for a list of companies in your area.

Why smart consumers pay less for Oldsmobile Achieva insurance

Many things are considered when quoting car insurance. A few of the factors are predictable such as your driving history, but other factors are less obvious such as whether you are married or how safe your car is.An important part of buying insurance is that you know the rating factors that help determine your policy premiums. If you know what impacts premium levels, this allows you to make good choices that could help you find big savings.

Listed below are some of the factors companies use to determine your rate level.

• Insure car and home with the same company – Many insurers apply discounts to clients that buy multiple policies, otherwise known as a multi-policy discount. Discounts can amount to as much as ten percent or more If you currently are using one company, you may still want to compare rates to help guarantee you have the best rates. Consumers may find a better deal by insuring with multiple companies.
• Stressful employer may mean higher rates – Did you know your career choice can influence rates? Occupations like military personnel, executives and emergency personnel generally pay the highest rates in part from intense work-related stress and lots of time spent away from family. Conversely, jobs such as professors, engineers and the unemployed generally pay rates lower than average on Achieva coverage.
• Gender and auto insurance – Statistics have proven that women are safer drivers than men. However, don’t assume that women are better drivers. Both genders have auto accidents in similar percentages, but the male of the species have accidents that have higher claims. Not only are claims higher, but men receive more major tickets like driving under the influence (DUI). Young males tend to get in the most accidents and therefore have the most expensive insurance coverage rates.
• Don’t cancel your policy without a new one in place – Driving any period of time without insurance is illegal and any future policy may cost more because you let your insurance lapse. Not only will you pay more, not being able to provide proof of insurance can result in fines or a revoked license.
• Having a spouse can lower rates – Having a spouse helps lower the price on your insurance coverage bill. Having a significant other generally demonstrates drivers are more responsible it has been statistically shown that married drivers get in fewer accidents.
• Cars with good safety ratings lower premiums – Cars with five star safety ratings cost less to insure. Highly rated vehicles reduce injuries and better occupant protection means lower claim amounts which can result in lower premiums.
• Lower rates come with age – Older people tend to be more responsible, are lower risk to insure , and usually have better credit.Teenage drivers are known to be careless and easily distracted in a vehicle and because of this, their insurance coverage rates are much higher.
• Amount of liability – A critical coverage on your policy, liability insurance is the coverage that protects you in the event that a jury decides you are liable for an accident. Your policy’s liability insurance provides legal defense coverage which can cost thousands of dollars. It is affordable coverage when compared with rates for comp and collision, so insureds should have plenty of protection for their assets.

Why you might not save $444 a year

Insurance coverage companies such as Geico, State Farm and Progressive seem to constantly run ads in print and on television. They all advertise the message that you’ll save big if you get a free car insurance quote and switch your insurance coverage coverage to their company. How is it plausible that every one can cost less than your current company?

All companies have specific criteria for the right customer that is profitable for them. For instance, this type of driver could be between the ages of 40 and 55, has no claims, and drives a safe vehicle. Anyone who matches those parameters gets the lowest rates as well as save a lot of money.

Insureds who do not match the “perfect” profile will be quoted higher prices with the end result being business going elsewhere. If you pay close attention to the ads, they say “drivers that switch” not “everybody who quotes” save that much. This is how companies can truthfully make those claims. Because each company has a different risk profile, you should get price quotes at each policy renewal. It’s not possible to predict with any certainty which company will be your best fit.

The coverage is in the details

Understanding the coverages of a insurance policy can help you determine appropriate coverage for your vehicles. Policy terminology can be ambiguous and even agents have difficulty translating policy wording. These are typical coverages found on most insurance policies.

UM/UIM Coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other drivers when they are uninsured or don’t have enough coverage. This coverage pays for medical payments for you and your occupants as well as damage to your Oldsmobile Achieva.

Due to the fact that many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is very important.

Comprehensive or Other Than Collision

This coverage pays for damage from a wide range of events other than collision. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims such as a tree branch falling on your vehicle, hitting a deer, hail damage and rock chips in glass. The highest amount a insurance company will pay at claim time is the cash value of the vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Coverage for collisions

Collision coverage pays for damage to your Achieva caused by collision with a stationary object or other vehicle. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for things like crashing into a ditch, rolling your car, crashing into a building and hitting a mailbox. This coverage can be expensive, so you might think about dropping it from older vehicles. It’s also possible to bump up the deductible to bring the cost down.

Medical costs insurance

Personal Injury Protection (PIP) and medical payments coverage kick in for immediate expenses such as chiropractic care, doctor visits, funeral costs and X-ray expenses. They are utilized in addition to your health insurance policy or if you do not have health coverage. Coverage applies to you and your occupants and also covers any family member struck as a pedestrian. PIP is not universally available but it provides additional coverages not offered by medical payments coverage

Liability car insurance

This will cover damages or injuries you inflict on other’s property or people that is your fault. This insurance protects YOU from claims by other people, and does not provide coverage for damage sustained by your vehicle in an accident.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show policy limits of 50/100/50 which stand for a $50,000 limit per person for injuries, a per accident bodily injury limit of $100,000, and a total limit of $50,000 for damage to vehicles and property.

Liability coverage protects against things such as structural damage, court costs and legal defense fees. How much liability should you purchase? That is up to you, but consider buying as much as you can afford.

Be Smart and Buy Smart

As you go through the steps to switch your coverage, it’s not a good idea to sacrifice coverage to reduce premiums. In many cases, someone sacrificed liability coverage limits only to regret at claim time that it was a big mistake. Your strategy should be to get the best coverage possible for the lowest cost but still have enough coverage for asset protection.

The cheapest 1993 Oldsmobile Achieva insurance is available both online as well as from insurance agents, so you need to shop car insurance with both in order to have the best chance of saving money. A few companies do not offer online price quotes and many times these smaller companies prefer to sell through independent agents.

To learn more, feel free to browse the following helpful articles:

• Teen Driver Statistics (Insurance Information Insitute)
• Help Your Teen Be a Better Driver (State Farm)
• What is Gap Insurance? (Insurance Information Insitute)
• Rollover Crash FAQ (iihs.org)
• Where can I buy Insurance? (Insurance Information Insitute)