1998 Oldsmobile Aurora Insurance Rates – 6 Tips for Cheaper Quotes

Trying to find cheaper auto insurance rates for your Oldsmobile Aurora? I can’t think of a single person who likes buying auto insurance, in particular when their premiums are too high.

Lots of insurers contend for your hard-earned dollar, so it’s not easy to compare every provider to find the best rates possible.

Consumers should take time to compare rates before your next renewal because prices are rarely the same from one policy term to another. Even if you got the lowest price on Aurora coverage a couple years back a different company probably has better rates today. Forget all the misinformation about auto insurance because you’re about to learn the best methods to save on auto insurance.

Get cheaper rates by receiving these six discounts

Companies don’t always publicize every discount very clearly, so the list below details both the well known and also the more inconspicuous discounts you could be receiving when you buy car insurance online. If you are not receiving all the discounts available, you may be paying too high a price.

• Telematics Discount – Insureds that choose to allow driving data collection to monitor driving manner by using a telematics device in their vehicle such as In-Drive from State Farm or Allstate’s Drivewise system could save a few bucks if they exhibit good driving behavior.
• Accident-Free Discounts – Drivers who don’t have accidents are rewarded with significantly better rates on car insurance quote as opposed to accident-prone drivers.
• Senior Citizens – If you qualify as a senior citizen, you can get a small decrease in premiums on Aurora coverage.
• Own a Home – Just being a homeowner can save a few bucks due to the fact that maintaining a home shows financial diligence.
• Theft Deterent Discount – Cars optioned with advanced anti-theft systems help deter theft and will qualify for a discount on a car insurance quote.
• Anti-lock Brakes – Cars and trucks that have steering control and anti-lock brakes can reduce accidents and will save you 10% or more.

It’s important to understand that some of the credits will not apply to the entire cost. Some only reduce individual premiums such as medical payments or collision. Just because you may think you can get free auto insurance, you won’t be that lucky.

A list of insurance companies and a selection of discounts can be found below.

• State Farm may have discounts that include Steer Clear safe driver discount, driver’s education, multiple autos, good driver, defensive driving training, and passive restraint.
• Geico offers premium reductions for multi-vehicle, military active duty, seat belt use, air bags, and defensive driver.
• SAFECO has savings for teen safe driver, bundle discounts, drive less, safe driver, homeowner, teen safety rewards, and anti-lock brakes.
• Farmers Insurance has discounts for switch companies, multi-car, electronic funds transfer, bundle discounts, good student, mature driver, and distant student.
• AAA offers discounts for AAA membership discount, anti-theft, pay-in-full, education and occupation, good student, multi-car, and multi-policy.
• USAA offers discounts including safe driver, new vehicle, vehicle storage, military installation, multi-policy, and defensive driver.

If you want cheaper car insurance quotes, ask each company how you can save money. All car insurance discounts may not apply to policyholders in your area. To find insurers that can offer you the previously mentioned discounts, click this link.

Your auto insurance coverage should be tailored to you

When it comes to choosing adequate coverage, there really is no best way to insure your cars. Every insured’s situation is different and a cookie cutter policy won’t apply. Here are some questions about coverages that may help you determine if your insurance needs could use an agent’s help.

• What is the ISO rating for a 1998 Oldsmobile Aurora?
• How does medical payments coverage work?
• Am I getting all the discounts available?
• Which is better, split liability limits or combined limits?
• Does my policy pay for OEM or aftermarket parts?
• What is an SR-22 filing?
• Do I pay less if my vehicle is kept in my garage?

If you can’t answer these questions but a few of them apply, you might consider talking to an insurance agent. If you want to speak to an agent in your area, take a second and complete this form or go to this page to view a list of companies.

Car insurance 101

Having a good grasp of a car insurance policy aids in choosing the best coverages at the best deductibles and correct limits. The coverage terms in a policy can be difficult to understand and coverage can change by endorsement. These are typical coverage types found on most car insurance policies.

Comprehensive coverages

Comprehensive insurance coverage pays for damage that is not covered by collision coverage. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers things such as damage from flooding, a tree branch falling on your vehicle, fire damage and hail damage. The maximum amount you’ll receive from a claim is the ACV or actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Coverage for medical payments

Coverage for medical payments and/or PIP provide coverage for immediate expenses like chiropractic care, surgery, nursing services and EMT expenses. The coverages can be utilized in addition to your health insurance policy or if you are not covered by health insurance. It covers all vehicle occupants as well as being hit by a car walking across the street. Personal Injury Protection is not an option in every state and gives slightly broader coverage than med pay

Uninsured and underinsured coverage

This gives you protection from other drivers when they do not carry enough liability coverage. This coverage pays for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Due to the fact that many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is important protection for you and your family. Most of the time these limits are similar to your liability insurance amounts.

Collision coverage protection

This covers damage to your Aurora resulting from a collision with another vehicle or an object, but not an animal. You have to pay a deductible then your collision coverage will kick in.

Collision can pay for claims such as colliding with a tree, damaging your car on a curb, sustaining damage from a pot hole and backing into a parked car. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are older. Drivers also have the option to choose a higher deductible to bring the cost down.

Auto liability

Liability insurance protects you from injuries or damage you cause to other people or property in an accident. Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see values of 100/300/100 which means a limit of $100,000 per injured person, a total of $300,000 of bodily injury coverage per accident, and a total limit of $100,000 for damage to vehicles and property. Alternatively, you may have one limit called combined single limit (CSL) which combines the three limits into one amount rather than limiting it on a per person basis.

Liability coverage pays for things like repair costs for stationary objects, repair bills for other people’s vehicles and medical expenses. How much liability should you purchase? That is up to you, but you should buy as much as you can afford.

Affordable insurance is out there

In this article, we presented some good ideas how you can compare 1998 Oldsmobile Aurora insurance rates online. The most important thing to understand is the more rate comparisons you have, the better likelihood of getting affordable car insurance. You may be surprised to find that the best price on insurance is with a lesser-known regional company. Some small companies may often insure only within specific states and give getter rates than their larger competitors like Allstate or State Farm.

Cost effective 1998 Oldsmobile Aurora insurance is attainable on the web as well as from independent agents, and you should compare price quotes from both in order to have the best price selection to choose from. Some companies do not offer the ability to get a quote online and most of the time these regional carriers sell through independent insurance agencies.

For more information, take a look at the following helpful articles:

• Anti-Lock Brake FAQ (iihs.org)
• Auto Insurance FAQ (Farmers Insurance)
• How do I File a Claim? (Insurance Information Insitute)
• Child Safety Seats (Insurance Information Insitute)