Lower Your 1999 Oldsmobile Alero Insurance Rates

Nobody is fond of buying car insurance, in particular when they are paying too much.

You have so many insurers to choose from, and although it’s nice to have a choice, so many choices can make it hard to adequately compare rates.

The fastest way that we advise to compare rate quotes is to know the fact most larger insurance companies participate in online systems to give rate comparisons. To get started, all you need to do is provide a little information like distance driven, whether or not you need a SR-22, whether you are married, and whether the vehicles are used for commuting. The rating information is then sent to multiple top-rated companies and you will receive price estimates instantly to find the best rate.

Auto Insurance Discounts

Some companies don’t always publicize all possible discounts in an easy-to-find place, so the list below gives a summary of both well-publicized and the harder-to-find credits that you can use to lower your rates. If you check and find you aren’t receiving every discount possible, you are not getting the best rate possible.

• Multiple Policy Discount – When you have multiple policies and place coverage with the same company you will save up to 20% and get you cheap insurance.
• Early Renewal Discounts – A few auto insurance companies offer discounts for buying a new policy prior to the expiration date on your current policy. The savings is around 10%.
• ABS Brakes – Cars and trucks that have steering control and anti-lock brakes have fewer accidents and will save you 10% or more.
• Paperless Signup – Certain larger companies provide a small discount get insurance digitally online.
• Active Military Service – Being on active deployment in the military could trigger a small discount.

Drivers should understand that most credits do not apply to all coverage premiums. Most only reduce specific coverage prices like medical payments or collision. So when the math indicates it’s possible to get free car insurance, you aren’t that lucky.

Companies and some of the premium reductions they offer are included below.

• Progressive offers discounts for homeowner, online quote discount, good student, multi-policy, multi-vehicle, continuous coverage, and online signing.
• AAA discounts include good driver, anti-theft, good student, pay-in-full, and education and occupation.
• Farmers Insurance policyholders can earn discounts including pay in full, electronic funds transfer, bundle discounts, early shopping, and alternative fuel.
• Geico includes discounts for daytime running lights, membership and employees, federal employee, military active duty, anti-theft, anti-lock brakes, and good student.
• Esurance has discounts for good driver, online shopper, online quote, safety device, anti-lock brakes, and emergency road assistance.
• SAFECO may have discounts that include teen safe driver, anti-lock brakes, homeowner, teen safety rewards, safe driver, accident prevention training, and bundle discounts.
• State Farm may include discounts for Steer Clear safe driver discount, anti-theft, student away at school, multiple autos, Drive Safe & Save, safe vehicle, and good driver.

If you want the cheapest insurance quotes, ask every company which discounts you qualify for. Some of the earlier mentioned discounts may not apply to policies everywhere. To choose companies with discount rates, click here.

Tailor your car insurance coverage to you

When choosing coverage, there is no perfect coverage plan. Everyone’s situation is unique so this has to be addressed. Here are some questions about coverages that might help in determining if your insurance needs might need an agent’s assistance.

• I have health insurance so do I need medical payments coverage?
• Which is better, split liability limits or combined limits?
• When should I drop full coverage on my 1999 Oldsmobile Alero?
• Will I be non-renewed for getting a DUI or other conviction?
• Am I better off with higher deductibles on my 1999 Oldsmobile Alero?
• Can I make deliveries for my home business?

If you don’t know the answers to these questions but a few of them apply then you might want to talk to a licensed insurance agent. To find an agent in your area, complete this form or you can go here for a list of companies in your area.

Specific coverages for an Oldsmobile Alero

Learning about specific coverages of a auto insurance policy can be of help when determining the best coverages at the best deductibles and correct limits. Policy terminology can be ambiguous and even agents have difficulty translating policy wording. Listed below are typical coverage types found on the average auto insurance policy.

Auto liability insurance

This coverage can cover injuries or damage you cause to a person or their property by causing an accident. It protects YOU against other people’s claims. Liability doesn’t cover damage sustained by your vehicle in an accident.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see policy limits of 25/50/25 which means $25,000 in coverage for each person’s injuries, $50,000 for the entire accident, and $25,000 of coverage for damaged propery. Some companies may use one limit called combined single limit (CSL) that pays claims from the same limit without having the split limit caps.

Liability insurance covers claims such as bail bonds, repair costs for stationary objects, loss of income and attorney fees. The amount of liability coverage you purchase is a personal decision, but consider buying as large an amount as possible.

UM/UIM Coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when the “other guys” do not carry enough liability coverage. It can pay for medical payments for you and your occupants as well as damage to your Oldsmobile Alero.

Since a lot of drivers only purchase the least amount of liability that is required, their limits can quickly be used up. For this reason, having high UM/UIM coverages should not be overlooked. Usually these limits are set the same as your liablity limits.

Coverage for collisions

Collision coverage pays for damage to your Alero from colliding with another vehicle or an object, but not an animal. A deductible applies and then insurance will cover the remainder.

Collision insurance covers things such as sideswiping another vehicle, scraping a guard rail, colliding with another moving vehicle, damaging your car on a curb and colliding with a tree. This coverage can be expensive, so consider dropping it from vehicles that are 8 years or older. You can also increase the deductible to get cheaper collision coverage.

Comprehensive or Other Than Collision

Comprehensive insurance will pay to fix damage caused by mother nature, theft, vandalism and other events. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage pays for things like a broken windshield, damage from getting keyed, fire damage, vandalism and hitting a deer. The maximum payout a auto insurance company will pay at claim time is the market value of your vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Medical costs insurance

Med pay and PIP coverage reimburse you for expenses for chiropractic care, nursing services, dental work and surgery. They are often used in conjunction with a health insurance plan or if you do not have health coverage. Coverage applies to not only the driver but also the vehicle occupants as well as being hit by a car walking across the street. PIP coverage is not an option in every state and gives slightly broader coverage than med pay