Lower Your 1996 Oldsmobile Achieva Car Insurance Quotes

Paying cheap premium rates for insurance can be nearly impossible for people who have little experience shopping for insurance online. There are so many choices that it can be a chore to find the lowest price.

Quote car insurance online

The are a couple different ways to compare prices from many car insurance companies in your state. The best method to lower the rate you pay for 1996 Oldsmobile Achieva insurance involves getting comparison quotes online. This can be done in a couple minutes as outlined below.

Without a doubt, the easiest way to get quotes for comparison would be an industry-wide quote request form like this one (opens in new window). This form eliminates the need for separate quotes for every company. One form gets prices estimates instantly.It’s the quickest way to get rates.

Another way to find lower rates requires you to visit the website of each company and repeat the quote process. For sake of this example, we’ll assume you want rates from Nationwide, State Farm and Liberty Mutual. You would need to navigate to each company’s site and punch in your information repeatedly, which is why first method is reommended.

To view a list of companies in your area, click here.

Even if you have time, the least recommended method to compare price estimates is driving to insurance agencies in your area. Buying insurance online makes this process obsolete unless you have a need for the extra assistance of a local agency. Although, it is possible price shop online but buy the policy through an agent.

Which method you use is up to you, but compare exactly the same coverage limits and deductibles for each price quote. If your comparisons have different values for each quote it’s not possible to make a fair rate comparison. Even a minor difference in coverages can mean a large discrepancy in price. And when comparing car insurance rates, know that obtaining a wide range of quotes gives you a better chance of getting more affordable rates.

Find discounts on insurance coverage

Some companies do not list the entire discount list in a way that’s easy to find, so we took the time to find both well-publicized and the more hidden discounts that may be available. If you’re not getting every credit possible, you are paying more than you should be.

• Multiple Policy Discount – When you have multiple policies and place coverage with the same company they may give you a discount of up to 20% and get you cheaper insurance.
• No Claims – Insureds who avoid accidents and claims get the best insurance coverage rates as opposed to insureds who have frequent claims or accidents.
• Paperwork-free – Many larger companies will provide an incentive get insurance online.
• Discount for Low Mileage – Driving fewer miles can qualify you for lower rates on the low mileage vehicles.
• Anti-lock Brakes – Cars and trucks with ABS and/or traction control can reduce accidents and the ABS can save up to 10%.
• Driver Education Discount – It’s a good idea to have your young drivers sucessfully take a drivers education course in school or through a local driver safety program.
• Drive Safe and Save – Insureds without accidents may save up to 50% more on Achieva insurance than drivers with accidents.

Just know that some credits don’t apply to your bottom line cost. Some only apply to the cost of specific coverages such as liability and collision coverage. Just because you may think all the discounts add up to a free policy, insurance coverage companies aren’t that generous. Any amount of discount will lower your premiums.

A list of companies and some of the premium reductions they offer are outlined below.

• Farm Bureau policyholders can earn discounts including 55 and retired, good student, safe driver, multi-policy, youthful driver, renewal discount, and multi-vehicle.
• State Farm may include discounts for Drive Safe & Save, Steer Clear safe driver discount, good driver, accident-free, and safe vehicle.
• Progressive offers discounts including continuous coverage, online quote discount, good student, multi-policy, and homeowner.
• Allstate discounts include auto/life discount, new car, multi-policy, anti-lock brakes, and passive restraint.
• Nationwide may have discounts that include business or organization, defensive driving, accident-free, anti-theft, Farm Bureau membership, multi-policy, and easy pay.
• MetLife includes discounts for good driver, defensive driver, claim-free, multi-policy, accident-free, and good student.

Before buying, ask all the companies to give you their best rates. Some discounts listed above may not apply in your area. If you would like to choose from a list of providers that can offer you the previously mentioned discounts, click this link.

Tailor your insurance coverage coverage to you

When it comes to choosing proper insurance coverage, there isn’t really a cookie cutter policy. Coverage needs to be tailored to your specific needs.

Here are some questions about coverages that could help you determine whether your personal situation will benefit from professional help.

• I have good health insurance, so how much medical payments coverage do I need?
• If my 1996 Oldsmobile Achieva is totaled, can I afford another vehicle?
• Should I have combined single limit or split liability limits?
• Does coverage extend to a rental car in a foreign country?
• Can my babysitter drive my car?
• What companies insure drivers after a DUI or DWI?

If you don’t know the answers to these questions then you might want to talk to an insurance agent. To find an agent in your area, simply complete this short form.

Auto insurance coverages explained

Understanding the coverages of auto insurance can help you determine appropriate coverage and the correct deductibles and limits. The terms used in a policy can be ambiguous and coverage can change by endorsement.

Medical payments and PIP coverage

Personal Injury Protection (PIP) and medical payments coverage provide coverage for immediate expenses for things like rehabilitation expenses, EMT expenses, doctor visits and surgery. They are used to cover expenses not covered by your health insurance program or if there is no health insurance coverage. It covers all vehicle occupants and also covers any family member struck as a pedestrian. PIP coverage is not available in all states and may carry a deductible

Liability coverage

Liability insurance can cover damage or injury you incur to other people or property in an accident. It protects YOU from claims by other people, and doesn’t cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have 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 property damage coverage for $50,000.

Liability coverage pays for things like medical expenses, legal defense fees, loss of income and pain and suffering. How much liability should you purchase? That is up to you, but it’s cheap coverage so purchase as much as you can afford.

Collision coverage protection

Collision coverage 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 coverage protects against claims like driving through your garage door, hitting a parking meter, colliding with another moving vehicle and crashing into a building. This coverage can be expensive, so analyze the benefit of dropping coverage from older vehicles. You can also bump up the deductible to get cheaper collision coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other motorists when they do not carry enough liability coverage. This coverage pays for medical payments for you and your occupants and damage to your 1996 Oldsmobile Achieva.

Since many drivers carry very low liability coverage limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Comprehensive auto coverage

This will pay to fix damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against things such as damage from a tornado or hurricane, hitting a deer and rock chips in glass. The maximum payout your auto insurance company will pay is the cash value of the vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.