View 1998 Oldsmobile Achieva Insurance Quotes

Want lower insurance coverage rates for your Oldsmobile Achieva? Did a good deal turn into an overpriced insurance coverage policy? It’s quite common and you’re not the only one.

Due to the increasing number of insurance providers from which to choose, it is very difficult to choose the right insurer.

Find discounts on car insurance

Not too many consumers would say car insurance is affordable, but there could be significant discounts that could help you make your next renewal payment. A few discounts will automatically apply when you purchase, but some must be specifically requested before they will apply.

• Multiple Policy Discount – If you have multiple policies and insure them both with the same insurance company they may give you a discount of at least 10% off all policies.
• Driver Training Discounts – Successfully completing a safe driver class could earn you a small percentage discount and easily recoup the cost of the course.
• Discount for Home Ownership – Owning a home can save a few bucks due to the fact that maintaining a home is proof of financial responsibility.
• Payment Method – If you pay your entire premium ahead of time rather than spreading payments over time you may have a lower total premium amount.
• Savings for New Vehicles – Putting car insurance coverage on a new car can get you a discount compared to insuring an older model.
• Multi-Vehicle Discounts – Insuring multiple cars on one policy can get a discount on all vehicles.
• Distant Student Discount – Children who live away from home to go to college and do not have access to a covered vehicle may be able to be covered for less.
• Anti-lock Brakes – Anti-lock brake equipped vehicles can stop better under adverse conditions so companies give up to a 10% discount.

Discounts reduce rates, but you should keep in mind that most credits do not apply to the entire cost. A few only apply to the cost of specific coverages such as comprehensive or collision. So when it seems like adding up those discounts means a free policy, companies don’t profit that way.

Large car insurance companies and their offered discounts include:

• AAA discounts include AAA membership discount, anti-theft, good driver, education and occupation, multi-car, and pay-in-full.
• Progressive has savings for multi-vehicle, online quote discount, continuous coverage, homeowner, online signing, good student, and multi-policy.
• State Farm has discounts for defensive driving training, Steer Clear safe driver discount, good driver, anti-theft, safe vehicle, good student, and passive restraint.
• Esurance offers discounts including Switch & Save, online shopper, anti-lock brakes, renters, and safety device.
• Nationwide includes discounts for multi-policy, accident-free, easy pay, defensive driving, family plan, anti-theft, and good student.

When comparing rates, check with every prospective company which discounts can lower your rates. Some of the earlier mentioned discounts may not apply to policyholders in your area. To find companies who offer cheap car insurance quotes, follow this link.

Tailor your insurance coverage to you

When buying the right insurance coverage, there really is no one size fits all plan. Your needs are not the same as everyone else’s and your policy should reflect that. Here are some questions about coverages that may help you determine if your insurance needs would benefit from an agent’s advice.

• Am I covered if I hit my neighbor’s mailbox?
• Am I covered when driving a rental car?
• Am I covered if my car is in a flood?
• Is my trailer covered?
• Why am I be forced to buy a membership to get insurance from some companies?
• Do I need more liability coverage?

If you don’t know the answers to these questions but one or more may apply to you then you might want to talk to a licensed agent. If you want to speak to an agent in your area, simply complete this short form or you can also visit this page to select a carrier

Insurance policy coverages for an Oldsmobile Achieva

Having a good grasp of insurance can be of help when determining the best coverages for your vehicles. Insurance terms can be difficult to understand and nobody wants to actually read their policy. Listed below are typical coverage types offered by insurance companies.

Coverage for uninsured or underinsured drivers

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other motorists when they either have no liability insurance or not enough. Covered losses include injuries sustained by your vehicle’s occupants and also any damage incurred to your Oldsmobile Achieva.

Since a lot of drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is a good idea. Frequently your uninsured/underinsured motorist coverages are set the same as your liablity limits.

Coverage for medical expenses

Med pay and PIP coverage provide coverage for short-term medical expenses such as ambulance fees, pain medications, X-ray expenses, rehabilitation expenses and doctor visits. They are often used to fill the gap from your health insurance plan or if you do not have health coverage. They cover not only the driver but also the vehicle occupants and will also cover getting struck while a pedestrian. Personal injury protection coverage is not universally available but can be used in place of medical payments coverage

Collision insurance

Collision coverage covers damage to your Achieva resulting from colliding with another car or object. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision insurance covers things like crashing into a ditch, colliding with a tree and hitting a parking meter. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are 8 years or older. You can also raise the deductible to get cheaper collision coverage.

Comprehensive insurance

Comprehensive insurance pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive can pay for claims like damage from getting keyed, hitting a bird, falling objects, theft and fire damage. The maximum payout you’ll receive from a claim is the actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Liability insurance

Liability insurance can cover damage or injury you incur to people or other property that is your fault. This coverage protects you from claims by other people, and doesn’t cover your injuries or vehicle damage.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show limits of 100/300/100 that means you have $100,000 bodily injury coverage, a total of $300,000 of bodily injury coverage per accident, and a limit of $100,000 paid for damaged property. Alternatively, you may have one number which is a combined single limit which provides one coverage limit with no separate limits for injury or property damage.

Liability insurance covers things like emergency aid, attorney fees, structural damage and medical expenses. How much liability should you purchase? That is your choice, but buy as large an amount as possible.

Do the work, save more money

Some insurance companies may not have the ability to get quotes online and usually these small, regional companies work with local independent agencies. Cost effective 1998 Oldsmobile Achieva insurance can be purchased from both online companies in addition to local insurance agencies, and you need to comparison shop both to get a complete price analysis.

We just presented a lot of information how to reduce 1998 Oldsmobile Achieva insurance premium rates online. The most important thing to understand is the more you quote insurance, the higher the chance of saving money. You may be surprised to find that the lowest priced car insurance comes from a smaller regional carrier. These companies may only write in your state and offer lower prices than the large multi-state companies such as Allstate and Progressive.

When getting insurance quotes online, do not buy lower coverage limits just to save a few bucks. There have been many situations where consumers will sacrifice full coverage only to regret at claim time that a couple dollars of savings turned into a financial nightmare. Your strategy should be to purchase a proper amount of coverage at a price you can afford, but do not skimp to save money.

Additional information is located on the following sites:

• Five Steps to Filing an Auto Insurance Claim (Insurance Information Insitute)
• Comprehensive Coverage (Liberty Mutual)
• Senior Drivers (Insurance Information Insitute)
• Older Driver Statistics (Insurance Information Insitute)
• Understanding Rental Car Insurance (Insurance Information Insitute)