2001 Oldsmobile Intrigue Insurance Rates

Are you sick and tired of robbing Peter to pay Paul to make your insurance coverage payment? You are in the same boat as the majority of other vehicle owners.

You have so many insurers to insure vehicles with, and though it is a good thing to have multiple companies, it makes it harder to find the lowest cost provider.

Shop auto insurance online

There are several ways to compare quotes from many different insurance companies. The easiest way to do a complete rate comparison is to perform an online rate comparison. It is quite easy and can be accomplished in a couple of different ways.

Probably the best way to find the lowest comparison rates would be an industry-wide quote request form click here to open form in new window. This type of form saves time by eliminating boring form submissions for every prospective company. Filling out one form gets coverage cost estimates from all major companies.

A harder way to analyze rates is to take the time to go to the website for every company you want to comare and complete a new quote form. For instance, let’s say you want to compare prices for Liberty Mutual, Geico and Travelers. You would need to spend time going to each site individually to enter your coverage information, which can get old fast. To view a list of companies in your area, click here.

Whichever way you choose to compare rates, be sure to compare exactly the same coverage information for every company. If you have different deductibles you can’t possibly make a fair comparison for your Oldsmobile Intrigue. Even a minor difference in coverage limits could skew the results. Just keep in mind that comparing more company’s prices helps locate the best offered rates. Some companies don’t provide prices over the internet, so it’s necessary to compare prices from those companies as well.

Get cheap car insurance with discounts

Some companies don’t necessarily list all possible discounts very well, so the below list has some of the best known as well as some of the hidden credits available to you.

• Bundle and Save – If you have multiple policies and place coverage with the same company you could earn a discount of nearly 15% which can help you find cheap insurance coverage.
• Driving Data Discount – People who choose to allow companies to monitor their driving habits by using a telematics device in their vehicle like Drivewise from Allstate or In-Drive from State Farm could save a few bucks if they have good driving habits.
• Accident Waiver – This isn’t a discount exactly, but certain companies may permit one accident before hitting you with a surcharge so long as you haven’t had any claims before the accident.
• Paperwork-free – Some companies will give a small break for buying a policy and signing up digitally online.
• Good Student – Maintaining excellent grades can earn a discount of 20% or more. This discount can apply up to age 25.
• Pay Upfront and Save – If you pay your bill all at once rather than spreading payments over time you can avoid the installment charge.
• Theft Prevention System – Cars and trucks with anti-theft systems can help prevent theft and therefore earn up to a 10% discount.
• Anti-lock Brake Discount – Vehicles with anti-lock braking systems are safer to drive and earn discounts up to 10%.

Don’t be shocked that most credits do not apply to all coverage premiums. Some only reduce specific coverage prices like comprehensive or collision. So when the math indicates it’s possible to get free car insurance, you’re out of luck.

Some of the insurance companies that have many of the previously listed discounts include:

• State Farm
• Geico
• SAFECO
• Farmers Insurance
• AAA
• USAA

Before purchasing a policy, check with all the companies how many discounts you can get. Savings may not apply in your area. If you would like to see a list of insurers that have a full spectrum of discounts, click this link.

Tailor your car insurance coverage to you

When it comes to buying proper insurance coverage, there is no cookie cutter policy. Your needs are not the same as everyone else’s so this has to be addressed. For instance, these questions may help highlight if your situation may require specific advice.

• Should I waive the damage coverage when renting a car?
• Can I rate high risk drivers on liability-only vehicles?
• Am I covered if I hit a deer?
• Does my insurance cover a custom paint job?
• Where can I find high-risk insurance?
• Why am I required to get a high-risk car insurance policy?
• What is an SR-22 filing?
• Is my cargo covered for damage or theft?
• Can I rent a car in Mexico?
• Am I missing any policy discounts?

If it’s difficult to answer those questions but you know they apply to you, you might consider talking to a licensed agent. To find an agent in your area, take a second and complete this form or you can also visit this page to select a carrier

What determines Oldsmobile Intrigue insurance rates?

Many different elements are used in the calculation when you get your auto insurance bill. Most are fairly basic such as your driving history, but others are less apparent like your continuous coverage and annual miles driven.An important part of buying insurance is that you know the factors that go into determining the price you pay for car insurance. When you know what positively or negatively influences your rates, this enables you to make decisions that can help you get cheaper rates.

• Traffic violations will cost you – Getting just one speeding ticket or other violation may cause rates to rise forty percent or more. Careful drivers receive lower rates compared to drivers with tickets. Drivers who have received careless violations like reckless driving or DUI may find that they have to to submit a SR-22 or proof of financial responsibility with their state DMV in order to drive a vehicle legally.
• Safety ratings are a factor – Cars with high safety ratings can get you lower premiums. Safe vehicles result in less severe injuries and lower rates of occupant injuries means your insurance company pays less and thus lower rates. If the Oldsmobile Intrigue scored at minimum an “acceptable” rating on the Insurance Institute for Highway Safety website you may pay a lower rate.
• Do you need those extra policy coverages? – There are a lot of extra add-on coverages that can add up on your Intrigue policy. Coverages for roadside assistance, accident forgiveness, and term life insurance may be costing you every month. These may sound like a good investment when talking to your agent, but if they’re wasting money remove them and pocket the money.
• Insurance is expensive for teen drivers – Inexperience drivers are statistically proven to be inattentive and easily distracted when at the wheel of a vehicle therefore car insurance rates are much higher. More mature drivers are shown to be more cautious, cost insurance companies less in claims and receive fewer citations.
• Commute or pleasure use – The more miles you rack up on your Oldsmobile in a year’s time the more you will pay for car insurance. A lot of companies rate vehicles based on how the vehicle is used. Cars and trucks not used for work or commuting cost less to insure than vehicles that have high annual mileage. Having an incorrect usage rating on your Intrigue can cost quite a bit. It’s a good idea to make sure your car insurance policy is rated on annual mileage.
• Credit history impact car insurance rates – Having a bad credit history is likely to be a major factor in calculating your car insurance rates. If your credit history is not that good, you could be paying less to insure your 2001 Oldsmobile Intrigue by improving your rating. Insureds with good credit tend to file fewer claims and have better driving records than drivers who have bad credit.
• Women tend to cost less – Over time, data shows that females take fewer risks when driving. However, this does not mean women are BETTER drivers than men. Men and women get in at-fault accidents at a similar rate, but men have accidents that have higher claims. In addition to higher claims, males also get higher numbers of serious violations like reckless driving and DUI.
• Bundle policies and save – Lots of insurance companies afford a discount for people who buy several policies from them such as combining an auto and homeowners policy. Even though this discount sounds good, it’s in your best interest to compare other company rates to confirm you are receiving the best rates possible. Consumers may find lower rates by splitting coverages up.

Detailed coverages of your insurance policy

Knowing the specifics of insurance can be of help when determining the right coverages and the correct deductibles and limits. Insurance terms can be impossible to understand and even agents have difficulty translating policy wording. Shown next are the usual coverages offered by insurance companies.

Comprehensive coverages – This coverage covers damage OTHER than collision with another vehicle or object. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage pays for claims like falling objects, hitting a bird and damage from flooding. The maximum payout you’ll receive from a claim is the actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Coverage for medical payments – Coverage for medical payments and/or PIP provide coverage for bills for things like hospital visits, chiropractic care and funeral costs. The coverages can be used to cover expenses not covered by your health insurance policy or if you do not have health coverage. Coverage applies to you and your occupants and will also cover being hit by a car walking across the street. PIP is not an option in every state and may carry a deductible

Uninsured and underinsured coverage – Uninsured or Underinsured Motorist coverage gives you protection when the “other guys” either have no liability insurance or not enough. Covered losses include hospital bills for your injuries as well as your vehicle’s damage.

Since many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Most of the time the UM/UIM limits are identical to your policy’s liability coverage.

Liability car insurance – Liability insurance provides protection from damage that occurs to people or other property that is your fault. It protects YOU from claims by other people, and doesn’t cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You might see values of 100/300/100 that means you have $100,000 in coverage for each person’s injuries, $300,000 for the entire accident, and a total limit of $100,000 for damage to vehicles and property. Some companies may use a combined single limit or CSL which limits claims to one amount rather than limiting it on a per person basis.

Liability coverage protects against claims like attorney fees, structural damage, medical expenses and loss of income. The amount of liability coverage you purchase is a personal decision, but you should buy as large an amount as possible.

Collision – Collision coverage pays to fix your vehicle from damage caused by collision with another car or object. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims such as crashing into a building, driving through your garage door, hitting a mailbox, damaging your car on a curb and colliding with another moving vehicle. Paying for collision coverage can be pricey, so you might think about dropping it from older vehicles. It’s also possible to choose a higher deductible in order to get cheaper collision rates.

In any little way, save everyday

We just showed you quite a bit of information on how to reduce 2001 Oldsmobile Intrigue insurance premium rates online. The most important thing to understand is the more you quote insurance coverage, the higher the chance of saving money. Drivers may discover the lowest premium rates are with an unexpected company. These companies can often insure niche markets at a lower cost compared to the large companies like Allstate or State Farm.

Cheaper auto insurance can be purchased online as well as from independent agents, so you need to quote insurance coverage with both in order to have the best chance of saving money. Some insurance companies do not provide price quotes online and these regional carriers prefer to sell through local independent agencies.

When buying insurance coverage, you should never sacrifice coverage to reduce premiums. There have been many cases where someone dropped full coverage and discovered at claim time they didn’t have enough coverage. Your focus should be to purchase plenty of coverage for the lowest price but still have enough coverage for asset protection.

More information is available on the following sites:

• Get the Right Protection (InsureUonline.org)
• Red Light Cameras (State Farm)
• How do I File a Claim? (Insurance Information Insitute)
• Older Drivers FAQ (iihs.org)