2001 Oldsmobile Bravada Insurance Rates

Getting lower priced insurance coverage might appear rather difficult for price shopping on the web. Since there are so many insurers to choose from, how can you have time to compare the different rates to find the best pricing?

Discounts for cheaper insurance quotes

Auto insurance companies don’t always list every discount they offer very well, so the next list breaks down a few of the more common and also the more inconspicuous credits available to you.

• No Claims – Good drivers with no accidents can earn big discounts compared to accident-prone drivers.
• Paperless Signup – A handful of companies may give you up to $50 shop car insurance over the internet.
• Discount for Passive Restraints – Vehicles with factory air bags and/or automatic seat belt systems may get savings as much as 30%.
• Senior Discount – Seniors may qualify for a discount up to 10% for Bravada coverage.
• Accident Waiver – This one is not really a discount per se, but certain companies will allow you to have one accident before hitting you with a surcharge so long as you haven’t had any claims prior to the accident.
• Multiple Policy Discount – When you combine your homeowners and auto insurance and insure them with the same company you may save at least 10 to 15 percent or more.
• Employee of Federal Government – Being employed by or retired from a federal job can save as much as 8% for Bravada coverage but check with your company.
• ABS Braking Discount – Vehicles with ABS braking systems or traction control can reduce accidents so companies give up to a 10% discount.
• Home Ownership Discount – Owning your own home or condo can save you money because owning a home requires personal responsibility.

You can save money using discounts, but some of the credits will not apply to the entire cost. Most cut the price of certain insurance coverages like collision or personal injury protection. Even though it may seem like you could get a free insurance policy, you won’t be that lucky.

Insurance companies that may offer many of the previously listed discounts are:

• Mercury Insurance
• Farmers Insurance
• Farm Bureau
• State Farm
• Allstate
• Geico

Before you buy a policy, ask each insurance company to give you their best rates. Some of the earlier mentioned discounts might not apply in your area.

The quickest method we recommend to get policy rate comparisons utilizes the fact most larger insurance companies pay for the opportunity to provide you with a free rate quote. All you need to do is provide the companies a bit of rating information including if you are currently licensed, an estimate of your credit level, how much coverage you want, and the ages of drivers. Your details is instantly provided to multiple companies and they return cost estimate with very little delay.

Insurance prices are influenced by these factors

Part of the auto insurance buying process is learning some of the elements that aid in calculating your auto insurance rates. If you understand what determines premiums, this enables you to make decisions that may result in lower auto insurance prices.

The factors shown below are some of the major factors used by companies to determine your premiums.

• Low deductibles can be expensive – Insurance for physical damage, also called comprehensive and collision insurance, protects your Oldsmobile from damage. Some examples of claims that would be covered are a broken windshield, hail damage, and damage caused by flying debris. Your deductibles are the amount of money you are willing to pay if the claim is covered. The more you have to pay, the better rate you will receive for Bravada coverage.
• Your credit score is important – An insured’s credit history factor in your rate calculation. If your credit score can be improved, you could potentially save money when insuring your 2001 Oldsmobile Bravada by spending a little time repairing your credit. Drivers who have very high credit ratings tend to be more responsible and file fewer claims than those with poor credit.
• Does insurance cost more for men? – Over time, data shows that men are more aggressive behind the wheel. It does not mean men are worse drivers. Both genders get in fender benders in similar percentages, but guys cause more damage and cost insurance companies more money. Men also tend to get higher numbers of serious violations such as driving while intoxicated (DWI) or driving recklessly.
• Get cheaper costs after the wedding – Walking down the aisle may earn you lower rates on your auto insurance bill. It demonstrates that you tend to be more mature than a single person and it’s proven that married couples file fewer claims.
• Only buy coverage you need – There are a ton of extra bells and whistles that can add up when buying auto insurance. Coverages for roadside assistance, towing, and term life insurance may not be needed and are just wasting money. They may seem good when discussing your needs, but your money might be better spent on other coverage so think about removing them and cutting costs.
• Vocation can influence premiums – Occupational choices like fire fighterspolice officers and dentists tend to have higher rates than the rest of us due to stressful work requirements and extremely grueling work hours. On the flip side, occupations like actors, students and retirees generally pay rates lower than average for Bravada coverage.
• Gaps in coverage mean higher premiums – Allowing your coverage to lapse will be a fast way to pay more for auto insurance. And not only will insurance be more expensive, getting caught without coverage could earn you fines and jail time.
• Pay less with a high crash test rating – Cars with high safety ratings get lower rates. These vehicles reduce occupant injuries and any reduction in injury severity translates into savings for insurance companies passed on to you as lower rates. If your Oldsmobile Bravada is rated at least four stars on Safercar.gov it is probably cheaper to insure.

You may need specialized insurance coverage coverage

When choosing coverage, there is no best way to insure your cars. Each situation is unique.

For instance, these questions may help you determine if you may require specific advice.

• Who is covered by my policy?
• Is my trailer covered?
• When should I buy a commercial auto policy?
• What is roadside assistance coverage?
• Do I need medical payments coverage since I have good health insurance?
• Where can I get insurance after a DUI in my state?
• Does coverage extend to a rental car in a foreign country?
• Should I sign the liability waiver when renting a car?
• Do I pay less if my vehicle is kept in my garage?
• How can I get my company to pay me more for my totalled car?

If it’s difficult to answer those questions but you think they might apply to your situation, then you may want to think about talking to a licensed insurance agent. If you want to speak to an agent in your area, take a second and complete this form.

But they said I’d save $495 a year!

Well-known car insurance companies like 21st Century, Allstate and State Farm constantly bombard you with television, radio, and online ads. All the ads say the same thing about how much you will save if you get a free car insurance quote and switch your policy. How is it plausible that every one can sell you cheaper insurance coverage? Here is how they do it.

All the different companies give the cheapest rates for the type of customer that will not have excessive claims. One example of a profitable customer could be a mature driver, has a clean driving record, and drives less than 10,000 miles a year. Any customer who meets those qualifications will get the preferred premium rates and will most likely save when switching.

Insureds who may not quite match this stringent profile will get higher prices which results in the prospect going elsewhere. If you pay attention, the ads say “drivers who switch” but not “everyone who gets a quote” save money. That’s why insurance companies can confidently make the claims of big savings. That is why it’s extremely important to get as many free car insurance quotes as possible. It’s just too difficult to predict which car insurance company will provide the lowest premium rates.

Auto insurance coverages

Knowing the specifics of your policy can be of help when determining the best coverages at the best deductibles and correct limits. Insurance terms can be difficult to understand and nobody wants to actually read their policy.

UM/UIM Coverage – This coverage protects you and your vehicle’s occupants when the “other guys” either are underinsured or have no liability coverage at all. It can pay for injuries sustained by your vehicle’s occupants and damage to your Oldsmobile Bravada.

Since many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. So UM/UIM coverage is important protection for you and your family.

Coverage for liability – This coverage provides protection from injuries or damage you cause to other people or property by causing an accident. This coverage protects you from legal claims by others, and doesn’t cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You commonly see limits of 25/50/25 that translate to $25,000 in coverage for each person’s injuries, a limit of $50,000 in injury protection per accident, and a limit of $25,000 paid for damaged property.

Liability coverage protects against claims such as emergency aid, loss of income and repair bills for other people’s vehicles. How much liability coverage do you need? That is your choice, but it’s cheap coverage so purchase as large an amount as possible.

Collision coverages – This will pay to fix damage to your Bravada resulting from colliding with another car or object. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for things such as colliding with another moving vehicle, colliding with a tree, 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 8 years or older. It’s also possible to increase the deductible in order to get cheaper collision rates.

Comprehensive or Other Than Collision – Comprehensive insurance coverage 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 claims like a tree branch falling on your vehicle, hitting a bird, damage from a tornado or hurricane, theft and hitting a deer. The maximum amount you can receive from a comprehensive claim is the actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Medical costs insurance – Medical payments and Personal Injury Protection insurance pay for expenses such as hospital visits, ambulance fees, surgery, funeral costs and EMT expenses. The coverages can be used to cover expenses not covered by your health insurance program or if you do not have health coverage. It covers you and your occupants in addition to being hit by a car walking across the street. PIP is only offered in select states but can be used in place of medical payments coverage

Best coverage at the best price

As you shop your coverage around, it’s a bad idea to sacrifice coverage to reduce premiums. There have been many situations where an insured dropped liability limits or collision coverage and learned later that the few dollars in savings costed them thousands. The goal is to buy a smart amount of coverage at the best possible price.

Lower-priced insurance is possible online as well as from insurance agents, so you should be comparing quotes from both in order to have the best chance of saving money. Some insurance companies do not provide internet price quotes and these small, regional companies prefer to sell through local independent agents.

We’ve covered a lot of techniques to save on 2001 Oldsmobile Bravada insurance. The key thing to remember is the more providers you compare, the better chance you’ll have of finding the cheapest car insurance. Drivers may discover the biggest savings come from a small local company.

Much more information about insurance can be read at these links:

• How to Avoid Common Accidents (State Farm)
• Choosing a Car for Your Teen (State Farm)
• Rental Reimbursement Coverage (Allstate)
• Auto Theft Statistics (Insurance Information Insitute)
• Child Safety Seats (Insurance Information Insitute)