Cheaper 1997 Oldsmobile LSS Insurance Rates

Trying to find better car insurance rates for your Oldsmobile LSS? Finding the most affordable car insurance on the internet can seem to be intimidating for consumers that are not comfortable with quoting and shopping for insurance on the web. Since there are so many insurers to choose from, how are consumers expected to have the ability to compare every one to find the lowest rates?

You should make it a habit to compare prices quite often because car insurance rates are variable and change quite frequently. Just because you found the best premium rates for LSS coverage a few years ago there is a good chance you can find better prices now. Ignore everything you know about car insurance because I’m going to let you in on the secrets to the best methods to find great coverage at a great price.

Learn how to quote car insurance at a discount

Lots of factors are part of the calculation when you get a price on insurance. Some are obvious such as traffic violations, but other criteria are more obscure such as whether you are married or how financially stable you are.When buying car insurance it’s important to understand some of the factors that are used to determine your policy premiums. When you know what positively or negatively impacts premium levels, this empowers consumers to make smart changes that may reward you with lower rates.

The items below are some of the most rate-impacting factors companies use to determine prices.

• Avoid car insurance lapses – Driving without insurance is a big no-no and you may have a hard time finding new coverage because you let your coverage have a gap. And not only will insurance be more expensive, not being able to provide proof of insurance might get you a hefty fine and possibly a revoked license. You could then be forced to file a SR-22 with your state DMV.
• Where you live – Choosing to live in a rural area can be a good thing when trying to find low car insurance rates. Drivers who live in large cities have to deal with more aggressive driving styles and much longer commute distances. Fewer drivers on the road translates into fewer accident claims as well as less vandalism and auto theft.
• Alarms and GPS tracking systems cut rates – Driving a car with anti-theft technology or alarm system can earn a premium discount. Anti-theft features such as GM’s OnStar, tamper alarm systems and vehicle immobilizers all aid in stopping auto theft and help lower rates.
• More policies can equal more savings – Most larger insurers will award discounts to clients who consolidate policies with them, otherwise known as a multi-policy discount. Discounts can be ten or even fifteen percent. Even with this discount, you still need to shop around to confirm you are receiving the best rates possible.
• Careless driving means higher prices – Only having one driving citation could increase your next policy renewal to the point where it’s not affordable. Drivers with clean records pay less for auto insurance compared to drivers with tickets. Drivers who have severe violations such as DUI or reckless driving may be required to complete a SR-22 with their state’s department of motor vehicles in order to keep their license.
• Deductibles are a factor – Protection for physical damage, aka comp and collision, covers your vehicle from damage. Some coverage claims would be a broken side mirror, flood damage, and rolling your vehicle. Comp and collision deductibles define the amount you are required to spend out-of-pocket if a covered claim is submitted. The more damage repair cost you choose to pay out-of-pocket, the less money you will pay for car insurance for LSS coverage.

The method we recommend to get policy rate comparisons is to realize most insurance companies actually pay money for the chance to compare rate quotes. The only thing you need to do is provide a little information like if the car is leased, whether you have decent credit, your education level, and the make and model of your vehicles. That information is automatically sent to many different companies and you will get price comparisons very quickly.

Don’t listen to company ads

Allstate, Geico and Progressive consistently run ads on TV and radio. They all have a common claim that you’ll save big if you move to them. How is it plausible that every one can have lower policy pricing? It’s all in the wording.

Different companies look for specific characteristics for the type of driver that earns them the highest profit. For instance, a preferred risk may need to be over the age of 40, has never had a claim, and drives a car with an anti-theft system. A customer that fits those parameters receives the best car insurance rates and is almost guaranteed to save if they switch.

Potential customers who cannot meet this ideal profile must pay a higher rate and ends up with the driver buying from a lower-cost company. The ads say “customers that switch” not “everyone that quotes” save that much. That’s why companies can make claims like that. Because every company is different, you should quote coverage with many companies. It is just not possible to predict the company that will provide the lowest prices.

These discounts can reduce car insurance rates

Some companies don’t list the complete list of policy discounts very clearly, so the below list has both the well known and also the more inconspicuous ways to save on car insurance.

• Passive Restraints – Vehicles with factory air bags could see savings up to 30%.
• Cautious Drivers – Insureds without accidents can save as much as half off their rates for LSS coverage than drivers with accidents.
• Lower Rates for Military – Having an actively deployed family member could mean lower prices.
• Multiple Cars – Buying a policy with primary and secondary vehicles with one company can reduce the rates for all insured vehicles.
• Club Memberships – Being a member of certain professional organizations can get you a small discount on your policy.
• Anti-theft Discount – Vehicles with anti-theft systems are less likely to be stolen and therefore earn up to a 10% discount.
• Good Grades Discount – A discount for being a good student can earn a discount of 20% or more. Earning this discount can benefit you up to age 25.
• Driving Data Discount – Drivers who elect to allow their company to study when and where they use their vehicle by using a telematic data system such as Progressive’s Snapshot and State Farm’s In-Drive could save a few bucks if they are good drivers.
• Paper-free Discount – A few larger online companies will give you a small discount simply for signing online.

One last thing about discounts, most of the big mark downs will not be given to your bottom line cost. A few only apply to specific coverage prices like comprehensive or collision. Just because you may think adding up those discounts means a free policy, you aren’t that lucky.

To see a list of insurance companies with discount car insurance rates, follow this link.

When do I need an agent’s advice?

When choosing adequate coverage, there really is no “perfect” insurance plan. Everyone’s situation is a little different.

For instance, these questions can help discover whether you may require specific advice.

• Am I covered if I break a side mirror?
• Why do I only qualify for high-risk insurance?
• When should I not file a claim?
• Does my liability insurance cover pulling a trailer or camper?
• Should I carry comprehensive and collision coverage?
• Which companies will insure high-risk drivers?
• What is no-fault insurance?

If it’s difficult to answer those questions then you might want to talk to a licensed insurance agent. To find lower rates from a local agent, simply complete this short form.

Auto insurance 101

Having a good grasp of insurance aids in choosing appropriate coverage and proper limits and deductibles. The coverage terms in a policy can be difficult to understand and even agents have difficulty translating policy wording.

Liability insurance – This provides protection from damage or injury you incur to other people or property in an accident. This insurance protects YOU against other people’s claims. Liability doesn’t cover your own vehicle damage or injuries.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You might see values of 100/300/100 that translate to $100,000 bodily injury coverage, $300,000 for the entire accident, and $100,000 of coverage for damaged propery.

Liability insurance covers things such as loss of income, pain and suffering, repair bills for other people’s vehicles, attorney fees and structural damage. How much liability should you purchase? That is up to you, but it’s cheap coverage so purchase as large an amount as possible.

Uninsured and underinsured coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other drivers when they are uninsured or don’t have enough coverage. Covered claims include injuries sustained by your vehicle’s occupants and also any damage incurred to your Oldsmobile LSS.

Since many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is a good idea.

Comprehensive coverages – This coverage pays for damage OTHER than collision with another vehicle or object. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage pays for claims like fire damage, hail damage, falling objects and damage from a tornado or hurricane. 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 dropping full coverage.

Collision – Collision insurance covers damage to your LSS resulting from a collision with another vehicle or an object, but not an animal. You first must pay a deductible then your collision coverage will kick in.

Collision coverage protects against claims such as backing into a parked car, hitting a mailbox and scraping a guard rail. Collision coverage makes up a good portion of your premium, so you might think about dropping it from older vehicles. You can also bump up the deductible to save money on collision insurance.

Coverage for medical payments – Med pay and PIP coverage reimburse you for short-term medical expenses for things like EMT expenses, dental work, prosthetic devices and funeral costs. They are often used to cover expenses not covered by your health insurance program or if you lack health insurance entirely. It covers all vehicle occupants as well as if you are hit as a while walking down the street. Personal injury protection coverage is not available in all states and gives slightly broader coverage than med pay

In the end, you save

Insureds leave their current company for any number of reasons including lack of trust in their agent, poor customer service, an unsatisfactory settlement offer and even delays in paying claims. Regardless of your reason, finding the right car insurance provider is pretty easy and you might even save some money in the process.

We just covered a lot of techniques to compare 1997 Oldsmobile LSS insurance prices online. The key thing to remember is the more times you quote, the more likely it is that you will get a better rate. Consumers could even find that the lowest prices are with the smaller companies.

When buying insurance coverage, do not sacrifice coverage to reduce premiums. There have been many cases where someone sacrificed physical damage coverage and discovered at claim time that their decision to reduce coverage ended up costing them more. Your strategy should be to purchase a proper amount of coverage at a price you can afford, but don’t skip important coverages to save money.

Much more information about car insurance can be read at these links:

• Medical Payments Coverage (Liberty Mutual)
• How Much Auto Coverage do I Need? (Insurance Information Insitute)
• Prepare your Teens for Safe Driving (InsureUonline.org)
• A Tree Fell on Your Car: Now What? (Allstate)