Cheap 1995 Oldsmobile Achieva Insurance Quotes

Have you fallen victim to an underperforming, overpriced auto insurance policy? Trust us, many drivers have buyer’s remorse. You have so many auto insurance companies to buy insurance from, and although it’s nice to be able to choose, more choices can make it harder to find the best rates for your vehicles.

You should make it a habit to compare premium rates as often as possible since insurance prices change regularly. If you had the best deal for Achieva coverage two years ago there is a good chance you can find better premium rates now. You’ll find a ton of advice on auto insurance on the internet, but in this article, you’re going to get some proven techniques to slash your auto insurance rates.

Finding the best rates is easy if you know what you’re doing. If you have insurance now or are just looking to switch companies, you can use these techniques to shop for the lowest rates while maintaining coverages. Vehicle owners just need to know the tricks to compare rates over the internet.

Lower rates by qualifying for discounts

Car insurance can cost a lot, but you may be missing some discounts that could drop your premiums quite a bit. A few discounts will be applied at the time you complete a quote, but some must be asked for before they will apply.

  • Telematics Discount – Insureds that choose to allow their insurance coverage company to track their driving habits remotely such as Drivewise from Allstate or Snapshot from Progressive might get better premium rates as long as the data is positive.
  • Seat Belt Discounts – Buckling up and requiring all passengers to use their safety belts may be able to save a few bucks off the personal injury premium cost.
  • Safety Course Discount – Taking a course that instructs on driving safety may get you a small discount depending on where you live.
  • Multiple Vehicles – Having multiple cars or trucks on one policy can get a discount on all vehicles.
  • New Vehicle Savings – Adding a new car to your policy can get you a discount due to better safety requirements for newer models.
  • Online Discount – Some larger companies will provide an incentive shop car insurance on the internet.
  • Professional Memberships – Affiliation with qualifying employment or professional organizations may earn a discount on your next renewal.
  • Payment Method – By making one initial payment rather than spreading payments over time you could save up to 5%.

Drivers should understand that most credits do not apply to the entire policy premium. Most only cut specific coverage prices like physical damage coverage or medical payments. So when it seems like all the discounts add up to a free policy, companies wouldn’t make money that way.

Popular insurance coverage companies and their offered discounts are shown below.

  • State Farm may include discounts for safe vehicle, multiple autos, Drive Safe & Save, good driver, Steer Clear safe driver discount, passive restraint, and multiple policy.
  • Farmers Insurance has savings for teen driver, electronic funds transfer, distant student, bundle discounts, and mature driver.
  • Geico may offer discounts for air bags, good student, driver training, defensive driver, emergency military deployment, and multi-policy.
  • American Family policyholders can earn discounts including good student, mySafetyValet, good driver, bundled insurance, TimeAway discount, and early bird.
  • Nationwide offers premium reductions for family plan, anti-theft, Farm Bureau membership, accident-free, multi-policy, business or organization, and good student.
  • Progressive discounts include good student, homeowner, multi-policy, online signing, online quote discount, continuous coverage, and multi-vehicle.

If you need inexpensive car insurance quotes, ask all the companies to apply every possible discount. Some of the discounts discussed earlier may not apply to policies in every state.

Auto insurance is unique, just like you

When it comes to choosing the right insurance coverage, there isn’t really a “best” method to buy coverage. Everyone’s situation is a little different so this has to be addressed. Here are some questions about coverages that can help discover if your insurance needs may require specific advice.

  • Am I covered when delivering products for my home-based business?
  • Do all my vehicles need collision coverage?
  • Why am I required to get a high-risk car insurance policy?
  • Will I lose any money if I cancel my policy before it expires?
  • What is an SR-22 filing?
  • Is rental equipment covered for theft or damage?
  • Should I buy additional glass protection?
  • When would I need rental car insurance?

If you’re not sure about those questions, you may need to chat with an agent. To find lower rates from a local agent, take a second and complete this form or click here for a list of auto insurance companies in your area. It’s fast, free and can provide invaluable advice.

Specific coverage details

Having a good grasp of a car insurance policy helps when choosing which coverages you need and the correct deductibles and limits. The terms used in a policy can be impossible to understand and reading a policy is terribly boring. Below you’ll find the normal coverages found on most car insurance policies.

Protection from uninsured/underinsured drivers

Your UM/UIM coverage protects you and your vehicle’s occupants from other motorists when they do not carry enough liability coverage. It can pay for hospital bills for your injuries and damage to your Oldsmobile Achieva.

Due to the fact that many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is a good idea.

Medical expense insurance

Personal Injury Protection (PIP) and medical payments coverage provide coverage for short-term medical expenses like surgery, rehabilitation expenses, EMT expenses and chiropractic care. They are often used to cover expenses not covered by your health insurance plan or if you are not covered by health insurance. It covers you and your occupants as well as if you are hit as a while walking down the street. Personal Injury Protection is not available in all states and gives slightly broader coverage than med pay

Liability auto insurance

Liability insurance provides protection from damages or injuries you inflict on people or other property. This insurance protects YOU against claims from other people. Liability doesn’t cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see policy limits of 50/100/50 that translate to a $50,000 limit per person for injuries, a total of $100,000 of bodily injury coverage per accident, and $50,000 of coverage for damaged propery.

Liability coverage pays for claims such as attorney fees, medical expenses, funeral expenses, bail bonds and loss of income. The amount of liability coverage you purchase is a decision to put some thought into, but buy higher limits if possible.

Comprehensive (Other than Collision)

This covers damage OTHER than collision with another vehicle or object. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims like rock chips in glass, a broken windshield, damage from flooding and fire damage. The most you can receive from a comprehensive claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Collision protection

Collision insurance pays to fix your vehicle from damage from colliding with an object or car. A deductible applies and then insurance will cover the remainder.

Collision coverage pays for claims like rolling your car, hitting a mailbox and backing into a parked car. Collision is rather expensive coverage, so consider dropping it from older vehicles. You can also increase the deductible to bring the cost down.

More choices the merrier

As you quote car insurance, it’s not a good idea to buy lower coverage limits just to save a few bucks. There are a lot of situations where an insured dropped comprehensive coverage or liability limits to discover at claim time that the small savings ended up costing them much more. The ultimate goal is to find the BEST coverage for the lowest cost while not skimping on critical coverages.

We just presented many ways to compare 1995 Oldsmobile Achieva insurance prices online. It’s most important to understand that the more providers you compare, the more likely it is that you will get a better rate. Consumers could even find that the lowest priced car insurance comes from a smaller regional carrier. They often have lower rates on specific markets than their larger competitors like State Farm, Geico and Nationwide.

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Comments About 1995 Oldsmobile Achieva Insurance

  1. Rufina Barrera

    Lifelong resident of Huntington, West Virginia. I quoted with 21st Century, AIG Insurance, and Erie for my Achieva and I’m now saving $21 a month. Insured with Safeco before. A clean driving record helps. Not sure if rates are cheaper online or not.

  2. Rebeca Knight

    Got a quote with Erie for my Achieva and saved about $100 a year. Left Amica to switch. It’s too old for full coverage.

  3. Fletcher Barnett

    Good site, thanks. Lifelong resident of Houston, TX. I quoted with Auto-Owners, Mercury, and a few others for my 1995 Oldsmobile Achieva and I think I am saving around $20 each month.

  4. Jamey Harding

    What exactly does liability cover?

  5. Sandra James

    If you have a good history and live near Norfolk, VA, check out Progressive. You might get cheaper rates. Insured with Western Auto Insurance before. You can get a rate quote online. I only have liability coverage on it.

  6. Shelia Foreman

    Thanks for putting this site together. I’m just west of Buffalo, New York. Quoted with GEICO, Amica, and some I forget for my Oldsmobile and I think I cut my rates about $30 each month. Insured with Erie before. I get lower rates because of my clean driving record. Not sure if rates are cheaper online or not. Not worth enough to pay for comprehensive and collision.

  7. Dante Hebert

    Mine is so expensive. I’m in the east part of Frederick, Maryland. Quoted quotes with American Family, Esurance, and Sentry for my 1995 Oldsmobile Achieva and saved around $110 a year. Even increased my liability limits. They were helpful in switching over.

  8. Maryland Chambers

    From northwest of Springfield, Missouri. Quoted with Liberty Mutual, Auto-Owners, Nationwide, and a couple others for my 1995 Oldsmobile Achieva and saved about $60 a year. Thankfully I have a good driving record. I don’t insure for physical damage though.

  9. Aretha Foley

    If you have a good history and live around Wichita, KS, check out State Farm. They seem to be cheaper. Left Progressive to switch. Ask about discounts. I just quoted rates online.

  10. Dallas Rojas

    In Green Bay, WI, AAA had the best rates for my 1995 Oldsmobile Achieva. I just carry liability insurance.

  11. Cherelle Velez

    Well-written and thought out article. Quoted with American Family for my Oldsmobile and cut my rates about $70 a year. Was with Progressive.

  12. Terence Hampton

    I found pretty cheap rate quotes for a 1995 Oldsmobile Achieva in Newark, Delaware. Ended up at darn near $90 every six months with Amica. Left AAA to switch. I increased coverages a little too.

  13. Lonnie Grimes

    Great info, thanks for posting. From northwest of Fargo, ND. Quoted a bunch of companies. Saved right around $20 a month. State Farm was the most affordable for me.

  14. Ilse Sandoval

    Good site, thanks. Live in the western part of Wichita, KS. Got free quotes online for a 1995 Oldsmobile Achieva. Ended up at about $70 savings annually. Went with Allstate. Was with State Farm. I get a discount for insuring multiple vehicles.