Compare 1994 Oldsmobile Achieva Insurance Quotes

Buyers have options when searching for low-cost Oldsmobile Achieva insurance. You can either spend your time driving around to get rate comparisons or leverage the internet to find the lowest rates. There is a better way to shop for auto insurance so we’re going to tell you the absolute fastest way to price shop coverage for your Oldsmobile and get the lowest possible price from local insurance agents and online providers.

It’s smart to do rate comparisons as often as possible because auto insurance prices are variable and change quite frequently. Just because you found the best deal for Achieva coverage a few years ago the chances are good that you can find a lower rate today. You can find a lot of wrong information about auto insurance out there, but in a few minutes you can learn the easiest ways to lower your auto insurance premiums.

Lower rate quotes with discounts

Companies offering auto insurance don’t always list every discount in an easy-to-find place, so we researched both well-publicized in addition to some of the lesser obvious insurance savings.

  • Sign Early and Save – Some insurance companies reward drivers for signing up prior to your current policy expiration. This can save 10% or more.
  • Senior Citizens – If you qualify as a senior citizen, you may be able to get reduced rates for Achieva coverage.
  • Active Service Discounts – Having an actively deployed family member could trigger a small discount.
  • Driver’s Education for Students – It’s a good idea to have your young drivers take driver’s ed class in school or through a local driver safety program.
  • Fewer Miles Equal More Savings – Driving less could earn cheaper insurancerates.
  • Passenger Safety Discount – Options like air bags or automatic seat belts can receive discounts of more than 20%.
  • One Accident Forgiven – but a handful of insurance companies will allow you to have one accident without raising rates with the catch being you have to be claim-free for a particular time prior to the accident.
  • Data Collection Discounts – Insureds who allow driving data collection to look at their driving habits by installing a telematics device such as Progressive’s Snapshot and State Farm’s In-Drive could save a few bucks if they have good driving habits.
  • Student in College – Kids who are enrolled in a college that is more than 100 miles from home and won’t have access to an insured vehicle may be able to be covered for less.
  • Good Driver Discounts – Safe drivers may receive a discount up to 45% for Achieva coverage compared to accident prone drivers.

We need to note that most of the big mark downs will not be given to your bottom line cost. A few only apply to the price of certain insurance coverages like liability and collision coverage. If you do the math and it seems like adding up those discounts means a free policy, it doesn’t quite work that way.

Larger insurance companies and their possible discounts are detailed below.

  • State Farm may offer discounts for Steer Clear safe driver discount, defensive driving training, accident-free, passive restraint, and multiple autos.
  • Geico offers premium reductions for membership and employees, military active duty, anti-lock brakes, seat belt use, five-year accident-free, air bags, and defensive driver.
  • SAFECO discounts include drive less, accident prevention training, teen safety rewards, safe driver, and bundle discounts.
  • Farmers Insurance policyholders can earn discounts including mature driver, youthful driver, switch companies, homeowner, teen driver, and electronic funds transfer.
  • AAA offers discounts including good driver, pay-in-full, AAA membership discount, good student, multi-car, multi-policy, and education and occupation.
  • USAA has discounts for multi-policy, multi-vehicle, driver training, safe driver, and annual mileage.

When comparing rates, check with each company the best way to save money. A few discounts may not be available in your area.

What is the best auto insurance coverage?

When choosing proper insurance coverage, there really is not a “perfect” insurance plan. Everyone’s needs are different.

Here are some questions about coverages that might help in determining if your insurance needs would benefit from an agent’s advice.

  • Am I covered when driving in Canada or Mexico?
  • Do I have coverage for damage caused while driving under the influence?
  • What happens if I owe more than my 1994 Oldsmobile Achieva is worth?
  • Are rental cars covered under my policy?
  • Why am I required to buy high-risk coverage?
  • Does my policy cover my teen driver if they drive my company car?

If you’re not sure about those questions but a few of them apply, you may need to chat with a licensed agent. If you don’t have a local agent, fill out this quick form. It’s fast, free and may give you better protection.

Save $415 a year? Really?

Consumers get pounded daily by advertisements for cheaper insurance from the likes of Allstate and Progressive. All the ads advertise the message that drivers can save some big amount if you switch your policy.

How does every insurance company charge less that you’re paying now? Here is how they do it.

Companies can use profiling for the right customer that earns them the most money. For instance, this type of driver may be between 25 and 40, has a clean driving record, and drives less than 5,000 miles a year. Anybody that hits that “sweet spot” receives the best premium rates and most likely will save if they switch.

Potential insureds who cannot meet the requirements will be charged higher premium rates which results in the prospect going elsewhere. If you listen to the ad wording, they say “drivers that switch” but not “all drivers who get quotes” can save as much as they claim. This is how companies can truthfully claim big savings. This really emphasizes why it’s extremely important to get auto insurance quotes as often as possible. It’s just too difficult to predict which insurance companies will provide you with the cheapest prices.

Parts of your auto insurance policy

Knowing the specifics of your auto insurance policy helps when choosing appropriate coverage at the best deductibles and correct limits. The coverage terms in a policy can be impossible to understand and reading a policy is terribly boring.

Coverage for medical expenses

Medical payments and Personal Injury Protection insurance reimburse you for expenses for X-ray expenses, surgery, chiropractic care, funeral costs and dental work. The coverages can be used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. They cover not only the driver but also the vehicle occupants as well as getting struck while a pedestrian. PIP is not universally available but can be used in place of medical payments coverage

Auto liability insurance

Liability coverage protects you from damage or injury you incur to people or other property that is your fault. It protects you against claims from other people, and does not provide coverage for your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show liability limits of 50/100/50 that translate to 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.

Liability coverage protects against things such as court costs, medical expenses, legal defense fees and attorney fees. How much liability coverage do you need? That is up to you, but buy as large an amount as possible.

Comprehensive auto insurance

Comprehensive insurance covers damage OTHER than collision with another vehicle or object. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims such as hail damage, a tree branch falling on your vehicle and rock chips in glass. The most you can receive from a comprehensive claim is the actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Collision coverage protection

Collision insurance will pay to fix damage to your Achieva resulting from a collision with another vehicle or an object, but not an animal. You will need to pay your deductible then your collision coverage will kick in.

Collision insurance covers things like driving through your garage door, scraping a guard rail, hitting a parking meter and sustaining damage from a pot hole. Collision is rather expensive coverage, so consider removing coverage from older vehicles. Another option is to increase the deductible in order to get cheaper collision rates.

Coverage for uninsured or underinsured drivers

This coverage protects you and your vehicle when the “other guys” either are underinsured or have no liability coverage at all. Covered claims include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since a lot of drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is very important.

Smart consumers save more

Insureds who switch companies do it for any number of reasons including lack of trust in their agent, denial of a claim, delays in paying claims or even being labeled a high risk driver. No matter why you want to switch, finding a great new company is easier than you think.

You just read quite a bit of information on how to reduce 1994 Oldsmobile Achieva insurance car insurance rates online. It’s most important to understand that the more price quotes you have, the higher your chance of finding cheap auto insurance. Consumers may even find the lowest car insurance rates come from some of the lesser-known companies.

As you prepare to switch companies, you should never skimp on critical coverages to save a buck or two. In many instances, an accident victim reduced uninsured motorist or liability limits and found out when filing a claim that it was a big error on their part. Your aim should be to purchase plenty of coverage at the lowest possible cost.

Additional insurance coverage information is available at the links below

Comments About 1994 Oldsmobile Achieva Insurance

  1. Spring Rose

    Good site, thanks. Lifelong resident of Jersey City, NJ. Got quotes from 21st Century, GMAC, and Erie for my 1994 Oldsmobile Achieva and saved about $80 a year. Switched homeowners coverage too. Get lots of quotes to find the best rate. I don’t put full coverage on it.

  2. Ela Kent

    Lifelong resident of Great Falls, MT. Got quotes from Allstate, Esurance, and Hartford for my Oldsmobile and saved just over $100 a year. I get multi-vehicle and multi-policy discounts. Are quotes cheaper online?

  3. Stephenie Ewing

    What is Underinsured Motorist coverage?

  4. Santiago Lawson

    Lifelong resident of Des Moines, Iowa. Not sure of all the companies but I ended up saving about $30 each month. I got prices on the web.

  5. Felecia Branch

    I live on the north side of Kailua, Hawaii. Received quotes with State Farm, AAA, Erie, and Liberty Mutual for my Oldsmobile and I’m now saving $10 a month. I even had a DUI years ago. I only have liability coverage on it.