Lower Your 1999 Oldsmobile LSS Car Insurance Rates

Looking for better insurance rates for your Oldsmobile LSS? Having to pay for high-priced Oldsmobile LSS insurance can bottom out your savings and make it impossible to make ends meet. Shopping your coverage around is free and is an excellent way to reduce premiums and put more money in your pocket.

Since consumers have many insurance providers from which to choose, it can be diffult for drivers to pick the most cost effective company.

Eight things that influence your insurance prices

Many things are considered when you quote your car insurance policy. Some are obvious like your driving record, but other factors are more obscure such as whether you are married or how financially stable you are.A large part of saving on insurance is knowing some of the things that go into determining your insurance rates. If you have some idea of what determines premiums, this enables informed choices that could result in much lower annual insurance costs.

• Battle of the sexes – Statistics show that females tend to be a little less risky than males. This data doesn’t prove that females are better at driving than males. Males and females are responsible for at-fault accidents in similar percentages, but males get into accidents with more damage. Men also statistically get higher numbers of serious violations such as reckless driving.
• Older drivers pay less – Teenage drivers have been known to get distracted easily behind the wheel and because of this, their insurance rates are much higher. If you’ve ever had to add a youthful driver to your insurance policy can increase premiums substantially. More mature drivers are viewed as being more responsible, cause fewer claims and accidents , and usually have better credit.
• Save money by having excellent credit – Your credit history is likely to be a major factor in determining your rates. If your credit can be improved, you could save money insuring your 1999 Oldsmobile LSS if you clean up your credit. Consumers who have high credit ratings tend to be better drivers and file fewer claims than drivers who have lower credit ratings.
• Get hitched and pay lower costs – Getting married actually saves money when shopping for insurance. Marriage generally demonstrates drivers are more responsible and insurance companies reward insureds because drivers who are married file infrequent claims.
• Raising coverage deductibles saves money – Physical damage coverage, aka comp and collision, helps pay for damage to your vehicle. Some instances where coverage would apply could be a broken side mirror, collision with an animal, and burglary. Physical damage deductibles state the amount of money the insured will be required to pay if a claim is determined to be covered. The more expense the insured is willing to pay, the lower your rates will be for LSS coverage.
• Deter car thieves – Driving a car that has a built-in theft deterrent system can help lower your rates. Advanced theft deterrents like LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system all aid in stopping auto theft.
• Liability coverage limits should be high – Liability coverage is the coverage that protects you if ever you are determined to be liable for an accident. This coverage provides legal defense which can cost thousands of dollars. Liability insurance is quite affordable compared to insuring for physical damage coverage, so drivers should make sure they buy enough to cover all assets.
• Always have insurance – Letting your insurance expire can be a fast way to increase your rates. Not only will rates go up, the inability to provide proof of insurance will get you a revoked license or a big fine. You could then be forced to prove you have insurance by filing a SR-22 with your state motor vehicle department.

How to compare insurance coverage quotes

All major insurance coverage companies allow consumers to get prices for coverage on their websites. Comparing prices online is pretty painless as all you need to do is type in your coverage information into the form. When complete, the company’s rating system will obtain your driving record and credit report and returns pricing information based on many factors. Online price quotes makes it simple to compare prices but the time required to go to different websites and fill out multiple forms is monotonous and tiresome. But it’s absolutely necessary to compare as many rates as possible if you want to find the best price on insurance coverage.

A better way to find cheaper rates requires only one form that gets prices from a bunch of companies at once. The form is fast, reduces the work, and makes online shopping much simpler. As soon as you send your information, it is rated and you can choose any one of the quote results. If a lower price is quoted, you can simply submit the application and purchase the new policy. It takes 15 minutes at the most and could lower your rates considerably.

To quickly use this form to compare rates, simply click here to open in new window and enter your vehicle and coverage information. To compare your current rates, we recommend you enter coverages and limits identical to your current policy. This makes sure you will be getting a fair comparison using the exact same coverages.

Save with with these discounts

Insurance can be prohibitively expensive, but you may qualify for discounts that many consumers don’t even know exist. Some trigger automatically at quote time, but once in a while a discount must be inquired about prior to getting the savings.

• Student in College – Youth drivers who live away from home to go to college and don’t have a car could qualify for this discount.
• Own a Home and Save – Just being a homeowner may earn you a small savings since owning and maintaining a home requires personal responsibility.
• Theft Deterent System – Cars that have factory anti-theft systems prevent vehicle theft and earn discounts up to 10% off your insurance quote.
• Good Student – This discount could provide a savings of up to 20% or more. Most companies allow this discount until age 25.
• No Charge for an Accident – but some companies like Allstate and Progressive will let one accident slide without raising rates so long as you are claim-free for a set time period.

As is typical with insurance, most discounts do not apply the the whole policy. A few only apply to the price of certain insurance coverages like physical damage coverage or medical payments. Despite the fact that it seems like having all the discounts means you get insurance for free, you aren’t that lucky.

Some of the larger companies who might offer these benefits are:

• State Farm
• Progressive
• Progressive
• MetLife
• Farm Bureau
• Geico
• SAFECO

If you are trying to find cheap insurance quotes, ask each company how many discounts you can get. Some discounts might not be offered in your state. If you would like to see a list of providers offering insurance discounts, click here to view.

Your situation helps dictate your coverage

When it comes to buying the best insurance coverage for your vehicles, there is no single plan that fits everyone. Each situation is unique so your insurance needs to address that. These are some specific questions may help highlight if your situation would benefit from professional advice.

• Which is better, split liability limits or combined limits?
• I have a DUI can I still get coverage?
• Are my tools covered if they get stolen from my vehicle?
• What is medical payments coverage?
• When can my company non-renew my policy?
• What vehicles should carry emergency assistance coverage?
• Can I rate high risk drivers on liability-only vehicles?
• When would I need rental car 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, take a second and complete this form or you can go here for a list of companies in your area.

Car insurance coverage information

Knowing the specifics of your insurance policy can be of help when determining the best coverages and the correct deductibles and limits. The coverage terms in a policy can be difficult to understand and coverage can change by endorsement. These are the normal coverages available from insurance companies.

Comprehensive coverage – This will pay to fix damage that is not covered by collision coverage. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things such as vandalism, fire damage, rock chips in glass and hitting a bird. The most you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle’s value is low consider dropping full coverage.

Medical payments coverage and PIP – Coverage for medical payments and/or PIP pay for short-term medical expenses such as ambulance fees, surgery, doctor visits, X-ray expenses and rehabilitation expenses. They can be used to fill the gap from your health insurance policy or if you do not have health coverage. It covers you and your occupants and will also cover getting struck while a pedestrian. PIP coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Uninsured/Underinsured Motorist coverage – This coverage protects you and your vehicle’s occupants from other drivers when they are uninsured or don’t have enough coverage. This coverage pays for injuries sustained by your vehicle’s occupants as well as damage to your Oldsmobile LSS.

Since a lot of drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is very important.

Liability – Liability coverage protects you from damage or injury you incur to people or other property that is your fault. This coverage protects you from legal claims by others, and doesn’t cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see liability limits of 25/50/25 that means you have $25,000 in coverage for each person’s injuries, a total of $50,000 of bodily injury coverage per accident, and property damage coverage for $25,000.

Liability coverage protects against claims such as repair bills for other people’s vehicles, attorney fees, medical services, repair costs for stationary objects and structural damage. How much liability should you purchase? That is a decision to put some thought into, but you should buy as large an amount as possible.

Collision coverage – Collision coverage covers damage to your LSS from colliding with another vehicle or an object, but not an animal. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims such as sustaining damage from a pot hole, damaging your car on a curb and crashing into a ditch. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from older vehicles. You can also choose a higher deductible to save money on collision insurance.

Knowledge is power

Throughout this article, we presented a lot of information how to compare 1999 Oldsmobile LSS insurance prices online. The key concept to understand is the more providers you compare, the more likely it is that you will get a better rate. You may even discover the biggest savings come from an unexpected company. Regional companies may often insure only within specific states and give getter rates than the large multi-state companies such as Progressive and Geico.

When buying insurance coverage, it’s very important that you do not skimp on coverage in order to save money. There are many occasions where consumers will sacrifice full coverage and found out when filing a claim that they should have had better coverage. Your goal should be to get the best coverage possible at the lowest possible cost, but do not sacrifice coverage to save money.

For more information, feel free to browse the resources below:

• Shopping for a Safe Car (Insurance Information Insitute)
• Help Your Teen Be a Better Driver (State Farm)
• Understanding Limits and Deductibles (Allstate)
• How Can I Save Money on Auto Insurance? (Insurance Information Insitute)