Save on 2000 Oldsmobile Intrigue Insurance Quotes

Trying to find lower insurance rates for your Oldsmobile Intrigue? If you’re shopping for lower-priced insurance online, are you intimidated by the number of insurance sources that you can choose from? Many other drivers are too. There are so many choices that it can turn into a difficult mission to compare rates.

You need to price shop coverage on a regular basis since insurance prices are constantly changing. Even if you got the best quotes for Intrigue coverage a year ago there may be better deals available now. Forget all the misinformation about insurance because it’s time to teach you how to use the internet to find better rates and still maintain coverage.

Educated choices result in lower insurance premiums

Lots of factors are considered when you quote your car insurance policy. Some of the criteria are obvious like your driving record, but some are more transparent like your continuous coverage or how safe your car is.Consumers need to have an understanding of a few of the rating criteria that help determine the level of your policy premiums. If you have a feel for what impacts premium levels, this empowers consumers to make smart changes that will entitle you to lower premium levels.

The itemized list below are some of the most rate-impacting factors used by insurance companies to determine rates.

• Never go without car insurance – Allowing your coverage to lapse is a sure-fire way to pay more for car insurance. In addition to paying higher premiums, not being able to provide proof of insurance can result in a steep fine or even jail time. You could then be forced to prove you have insurance by filing a SR-22 with your state department of motor vehicles.
• Better premiums with anti-theft devices – Owning a car with an alarm system can save you a little every year. Systems that thwart theives such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems can thwart your car from being stolen.
• More stress means more cost – Occupations like doctors, architects and accountants tend to pay higher rates than the rest of us in part from stressful work requirements and lots of time spent away from family. On the other hand, occupations like farmers, athletes and the unemployed receive lower rates for Intrigue coverage.
• You may save more by bundling policies – Most major insurance companies provide better rates to buyers who carry more than one policy in the form of a multi-policy discount. Discounts can amount to anywhere from five to ten percent in most cases. Even though this discount sounds good, you still need to compare rates to confirm you are receiving the best rates possible.
• Raise deductibles and save – Physical damage deductibles define the amount the insured will be required to pay if a claim is determined to be covered. Coverage for physical damage, termed comprehensive and collision coverage on your policy, insures against damage to your car. Some examples of claims that would be covered are rearending another vehicle, collision with a deer, and having a roll-over accident. The more damage repair cost you pay before a claim is paid (deductible), the bigger discount you will receive for Intrigue coverage.
• What are good liability coverage limits? – Your policy’s liability coverage is the coverage that protects you when you are ruled to be at fault for personal injury or accident damage. Liability insurance provides for a legal defense up to the limits shown on your policy. This coverage is relatively inexpensive compared to other policy coverages, so buy as much as you can afford.
• Extra coverages may not be needed – Insurance policies have a lot of additional extra coverages that may not really be needed if you aren’t diligent. Insurance for things like coverage for rental cars, accidental death, and extra equipment coverage are probably not needed. The coverages may be enticing initially, but if you don’t need them eliminate the coverages to reduce your premium.
• Reduce rates by driving vehicles with better crash test results – Safe vehicles cost less to insure. Safe vehicles help reduce the chance of injuries in an accident and fewer serious injuries translates into savings for insurance companies passed on to you as lower rates. If the Oldsmobile Intrigue has ratings of a minimum an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website you may be receiving a better rate.

The best way to get policy rate comparisons is to know auto insurance companies will pay a fee to give you rate quotes. The only thing you need to do is provide a little information including what you do for a living, which vehicles you own, your general credit rating, and if you went to college. That rating information is sent automatically to multiple companies and they provide comparison quotes quickly.

To find the cheapest car insurance rates, click here then complete the form.

Discounts to earn affordable auto insurance rates

Some insurers do not advertise all disounts in a way that’s easy to find, so we took the time to find a few of the more common as well as some of the hidden discounts that may be available.

• Telematics Data – People who choose to allow companies to look at their driving habits by using a telematics device like In-Drive from State Farm and Progressive’s Snapshot may get a rate reduction if they exhibit good driving behavior.
• 55 and Retired – Drivers over the age of 55 may qualify for a small decrease in premiums for Intrigue coverage.
• Discount for Low Mileage – Low mileage vehicles could earn substantially lower premium rates.
• Life Insurance – Larger insurance companies have a lower price if you buy life insurance.
• Theft Prevention Discount – Cars equipped with anti-theft or alarm systems are less likely to be stolen and can earn a small discount on your policy.
• Driver Safety – Participating in a defensive driving course is a good idea and can lower rates if your company offers it.
• Pay Early and Save – By making one initial payment instead of paying each month you can actually save on your bill.
• Government Employees – Being employed by or retired from a federal job can save as much as 8% for Intrigue coverage depending on your auto insurance provider.

One last thing about discounts, some credits don’t apply to the entire policy premium. Most only apply to the price of certain insurance coverages like physical damage coverage or medical payments. Despite the fact that it seems like you can get free auto insurance, you aren’t that lucky. Any qualifying discounts will help lower the premium cost.

A few popular companies and a selection of discounts include:

• Geico offers premium reductions for federal employee, anti-lock brakes, defensive driver, daytime running lights, anti-theft, and multi-vehicle.
• MetLife policyholders can earn discounts including good driver, claim-free, multi-policy, defensive driver, good student, accident-free
• Progressive includes discounts for multi-vehicle, continuous coverage, good student, online quote discount, multi-policy, and homeowner.
• Travelers has savings for home ownership, save driver, student away at school, early quote, continuous insurance, and good student.
• SAFECO may have discounts that include drive less, anti-theft, homeowner, anti-lock brakes, multi-car, teen safe driver, and bundle discounts.
• AAA may include discounts for good student, education and occupation, multi-policy, anti-theft, good driver, and pay-in-full.

Before buying, ask each company or agent which discounts you qualify for. Some of the earlier mentioned discounts might not apply in your area. If you would like to see a list of insurers that have a full spectrum of discounts, click here to view.

Tailor your insurance coverage coverage to you

When it comes to buying adequate coverage for your personal vehicles, there really is not a one size fits all plan. Each situation is unique.

For example, these questions may help you determine whether or not you may require specific advice.

• Does my policy pay for OEM or aftermarket parts?
• Will my rates increase for filing one claim?
• Do I need added coverage for expensive stereo equipment?
• At what point should I drop full coverage?
• Should I have a commercial auto policy?
• Is extra glass coverage worth it?
• Does my medical payments coverage pay my health insurance deductible?
• Do I pay less for low miles?
• Is my camper covered by my car insurance policy?
• Do I need an umbrella policy?

If you can’t answer these questions but one or more may apply to you then you might want to talk to an insurance agent. If you don’t have a local agent, take a second and complete this form.

Coverages available on your car insurance policy

Learning about specific coverages of your car insurance policy aids in choosing which coverages you need and proper limits and deductibles. The coverage terms in a policy can be difficult to understand and coverage can change by endorsement.

Collision coverage

This coverage pays to fix your vehicle from damage resulting from a collision with another vehicle or an object, but not an animal. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers things like rolling your car, crashing into a ditch and crashing into a building. This coverage can be expensive, so consider removing coverage from vehicles that are 8 years or older. It’s also possible to increase the deductible to save money on collision insurance.

Comprehensive auto coverage

This pays for damage that is not covered by collision coverage. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive insurance covers claims like damage from a tornado or hurricane, vandalism and a broken windshield. The highest amount you’ll receive from a claim is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Medical payments and PIP coverage

Medical payments and Personal Injury Protection insurance pay for bills for things like pain medications, prosthetic devices and doctor visits. The coverages can be used in conjunction with a health insurance program or if there is no health insurance coverage. It covers all vehicle occupants and also covers being hit by a car walking across the street. PIP coverage is not universally available and may carry a deductible

UM/UIM (Uninsured/Underinsured Motorist) coverage

This protects you and your vehicle’s occupants from other drivers when they either have no liability insurance or not enough. This coverage pays for medical payments for you and your occupants as well as damage to your Oldsmobile Intrigue.

Since a lot of drivers only carry the minimum required liability limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Frequently the UM/UIM limits are similar to your liability insurance amounts.

Liability car insurance

Liability coverage protects you from injuries or damage you cause to other’s property or people that is your fault. It protects YOU against claims from other people, and does not provide coverage for your injuries or vehicle damage.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see limits of 100/300/100 that translate to $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. Occasionally you may see a combined limit which provides one coverage limit and claims can be made without the split limit restrictions.

Liability coverage protects against things like emergency aid, loss of income, bail bonds and repair bills for other people’s vehicles. How much coverage you buy is up to you, but consider buying as large an amount as possible.

Be a smart shopper

People switch companies for a variety of reasons including high prices, extreme rates for teen drivers, policy cancellation or high rates after DUI convictions. Whatever your reason, choosing a new insurance company is actually quite simple.

When buying insurance coverage, don’t be tempted to sacrifice coverage to reduce premiums. There have been many cases where someone sacrificed liability limits or collision coverage only to regret at claim time that it was a big mistake. The aim is to purchase a proper amount of coverage at an affordable rate and still be able to protect your assets.

Some auto insurance companies may not have rate quotes online and usually these small insurance companies sell through local independent agencies. Cheap 2000 Oldsmobile Intrigue insurance can be found both online and from local insurance agents, so you need to compare both so you have a total pricing picture.

Additional auto insurance information is available at these links:

• What is Gap Insurance? (Insurance Information Insitute)
• Alcohol Impaired Driving FAQ (iihs.org)
• Car Insurance: When not to Skimp (BankRate.com)
• Auto Insurance Facts and Statistics (Insurance Information Insitute)
• Winter Driving (Insurance Information Insitute)