Trying to find better auto insurance rates for your Oldsmobile Alero? Getting the lowest price auto insurance online can be somewhat intimidating for consumers that are not comfortable with quoting and comparing and buying auto insurance on the web. With such a large number of agents and online companies available, how are we expected to possibly compare every auto insurance company to find the lowest price available?
Choosing the best insurance company for you is not that difficult. In a nutshell, every driver who is required by state law to have car insurance most likely will be able to cut their insurance bill. Although car owners should learn how insurance companies compete online and apply this information to your search.
Comparing insurance rates can be exhausting if you don’t understand the fastest way to get free quotes. You can waste hours talking to local insurance agents in your area, or you can utilize online quotes to accomplish the same thing much quicker.
Many companies are enrolled in a marketplace where prospective buyers submit one quote, and each participating company returns a rated price. This eliminates the need for repetitive form submissions for each company.
To enter your information into the quoting system, click here (opens in new window).
The single downside to using this type of form is you don’t know exactly which providers to get quotes from. So if you prefer to choose specific providers to compare prices, we have a listing of the cheapest insurance companies in your area. Click here for list of insurance companies.
Take whichever approach you prefer, but try to use apples-to-apples coverages and limits on every quote. If you are comparing mixed coverages you will not be able to truly determine the lowest rate. Just slight variations in coverage limits could mean much higher rates. Just remember that quoting more increases the change that you will find a lower rate. Some companies don’t provide online quotes, so it’s necessary to compare prices from them as well.
Respected companies like State Farm and Allstate regularly use television, radio, and online ads. All the ads seem to make the promise about saving some big amount if you change your coverage. How is it possible that every company can claim to save you money? It’s all in the words they use.
Most companies give the best rates for the type of driver that will generate a profit. For example, a profitable insured might be married and over the age of 30, has few claims, and does not commute to work. A driver that meets those criteria will get the preferred auto insurance rates and is almost guaranteed to save if they switch.
Insureds who do not match those standards will be quoted higher rates and ends up with the customer buying from a different company. Company advertisements say “customers who switch” not “all people who quote” save that much. This is how companies can make the claims of big savings. Each company has different criteria, so it is so important to get as many free auto insurance quotes as possible. It is impossible to predict which car insurance company will have the best auto insurance rates for your profile.
Car insurance companies don’t always publicize all their discounts in an easy-to-find place, so we researched a few of the more common and also the lesser-known insurance coverage savings. If you are not receiving all the discounts available, it’s possible you qualify for a lower rate.
A little note about advertised discounts, most discount credits are not given to the overall cost of the policy. Most cut individual premiums such as comprehensive or collision. So even though you would think all the discounts add up to a free policy, insurance companies wouldn’t stay in business.
For a list of insurance companies who offer free insurance coverage quotes, click this link.
When it comes to buying the right insurance coverage for your personal vehicles, there isn’t really a “best” method to buy coverage. Everyone’s situation is a little different.
For example, these questions can aid in determining if your situation could use an agent’s help.
If it’s difficult to answer those questions but you think they might apply to your situation then you might want to talk to a licensed insurance agent. If you don’t have a local agent, complete this form.
Understanding the coverages of a insurance policy can be of help when determining appropriate coverage for your vehicles. Policy terminology can be difficult to understand and nobody wants to actually read their policy.
Liability auto insurance – This can cover damage or injury you incur to people or other property in an accident. It consists of three limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have values of 50/100/50 which means $50,000 in coverage for each person’s injuries, $100,000 for the entire accident, and $50,000 of coverage for damaged propery.
Liability insurance covers claims like legal defense fees, bail bonds and repair costs for stationary objects. The amount of liability coverage you purchase is up to you, but buy as much as you can afford.
Uninsured Motorist or Underinsured Motorist insurance – Your UM/UIM coverage provides protection from other motorists when they do not carry enough liability coverage. Covered claims include medical payments for you and your occupants as well as damage to your 2002 Oldsmobile Alero.
Since many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is very important.
Insurance for medical payments – Coverage for medical payments and/or PIP provide coverage for bills for rehabilitation expenses, ambulance fees and dental work. They are utilized in addition to your health insurance plan or if you are not covered by health insurance. It covers all vehicle occupants as well as if you are hit as a while walking down the street. Personal injury protection coverage is not available in all states but it provides additional coverages not offered by medical payments coverage
Comprehensive coverage (or Other than Collision) – Comprehensive insurance pays for damage that is not covered by collision coverage. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.
Comprehensive coverage protects against claims like damage from a tornado or hurricane, falling objects and rock chips in glass. The maximum amount a insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.
Collision coverage – Collision insurance will pay to fix damage to your Alero from colliding with another vehicle or an object, but not an animal. You first must pay a deductible then your collision coverage will kick in.
Collision can pay for things such as backing into a parked car, rolling your car and hitting a parking meter. This coverage can be expensive, so you might think about dropping it from vehicles that are 8 years or older. It’s also possible to increase the deductible to save money on collision insurance.
You just learned a lot of information how to save on 2002 Oldsmobile Alero insurance. It’s most important to understand that the more providers you compare, the better chance you’ll have of finding inexpensive auto insurance. You may be surprised to find that the lowest priced auto insurance comes from a small local company.
Drivers leave their current company for many reasons like policy cancellation, poor customer service, questionable increases in premium and even being labeled a high risk driver. Regardless of your reason, finding a new auto insurance company is pretty easy and you might even save some money in the process.
When buying insurance coverage, it’s very important that you do not buy poor coverage just to save money. In too many instances, an insured cut liability coverage limits and discovered at claim time that saving that couple of dollars actually costed them tens of thousands. Your aim should be to find the BEST coverage at the best cost but still have enough coverage for asset protection.
More information is available on the following sites:
Damion Brock
It’s all a rip off. Lifelong resident of Gulfport, MS. Got car insurance quotes with AAA, Mercury, and USAA for my Alero and I think I am saving around $20 each month. Good multi-policy discounts. I got prices on the web.
Lakisha Moon
I’m in the east part of Kansas City, KS. I got free quotes from Western Auto Insurance, AIG Insurance, Liberty Mutual, and Sentry for my Oldsmobile and saved $66 a year. It’s still not cheap enough. When should I drop full coverage?
Louanne Hicks
Cheap is relative. From south side of Bismarck, ND. Quoted prices online for a 2002 Oldsmobile Alero. Ended up at about $80 savings annually. Went with Allstate. Have an at-fault accident tho. I just quoted rates online. My Alero doesn’t have full coverage.
Jay Fuentes
Anyone know if Allstate does SR-22s?
Daniell Riggs
Cheap is relative. Found cheapest coverage with Encompass for my Alero and saved about $100 a year. Insured with The General before. My Alero doesn’t have full coverage.
Mariano Lynch
I’m looking for cheaper coverage. I’m in the suburbs of Mesa, AZ. Received quotes from MetLife, Eastwood, GEICO, and AAA for my 2002 Oldsmobile Alero and saved just over $100 a year. Get lots of quotes to find the best rate. It’s too old for full coverage.
Liz Roberson
Quoted with Amica for my 2002 Oldsmobile Alero and cut my rates about $60 a year. Insured with USAA before. Have a couple speeding tickets too. LOL