2002 Oldsmobile Intrigue Insurance Quotes – 7 Tips for Best Rates

Comparison shopping for more affordable auto insurance can seem to be hard for drivers who have little experience online comparison shopping. With such a large number of agents and companies competing online, it can easily become more work than you anticipated to find better prices.

You need to do rate comparisons at least once a year since prices are variable and change quite frequently. Despite the fact that you may have had the lowest quotes on Intrigue insurance on your last policy you may be paying too much now. You can find a lot of misleading information regarding auto insurance online, but in just a couple of minutes you can learn a lot of great tips on how to stop overpaying for insurance.

If you have car insurance now, you will most likely be able to save some money using these techniques. The purpose of this article is to teach you how car insurance quotes work. Nevertheless, car owners must learn how companies market on the web because it can help you find the best coverage.

Compare car insurance rates

There are a lot of ways to shop for car insurance, but some are less time-consuming than others. You can spend your afternoon talking about coverages with insurance agencies in your area, or you could use the internet to get prices fast.

Many insurance companies are enrolled in a marketplace that allows shoppers to only type in their quote data once, and every company then gives them pricing based on that information. This eliminates the need for quote forms to each individual car insurance company.

To compare rates now click to open in new window.

One minor caviat to getting quotes like this is you can’t choose which providers you want to price. So if you want to choose specific insurance companies to compare prices, we put together a list of low cost car insurance companies in your area. Click here for list of insurance companies.

Whichever way you choose to compare rates, compare apples-to-apples coverage information with every price quote. If each company quotes different deductibles it will be next to impossible to make a fair rate comparison. Just a small difference in limits may cause a big price difference. Just remember that comparing a large number of companies increases your odds of finding lower pricing.

Ads can be misleading

Well-known car insurance companies like State Farm, Geico and Progressive constantly bombard you with television and radio advertisements. All the ads say the same thing that you can save if you just switch your policy. How do they all charge you a lower premium? It’s all in the wording.

Car insurance companies have strict underwriting profiles for the driver that makes them money. An example of a profitable insured may be over the age of 35, has never had a claim, and the vehicle is rated for pleasure use. Anyone that meets those criteria will probably get the lowest premium rates and have a good chance to save when switching.

People who cannot meet the requirements will probably have to pay higher premiums which usually ends up with the customer not purchasing. The trick companies use is to say “drivers who switch” not “all people who quote” save the amount stated. This is how companies can truthfully advertise the way they do.

This really drives home the point why you really need to get insurance coverage quotes from several different companies. It’s just too difficult to predict with any certainty which company will give you lower prices than your current company.

Insurance Discounts

Some companies don’t always publicize all possible discounts very well, so the following list contains a few of the more well known and the harder-to-find savings tricks you should be using when you buy insurance coverage online.

• Auto/Home Discount – If you can combine your home and auto policy with the same company you could get a discount of nearly 15% which can help you find cheaper insurance coverage.
• Full Payment Discount – By making one initial payment instead of making monthly payments you could save up to 5%.
• Theft Deterent System – Vehicles that have factory anti-theft systems are stolen less frequently and that can save you a little bit as well.
• No Charge for an Accident – Not necessarily a discount, but certain companies allow you one accident before your rates go up so long as you are claim-free prior to being involved in the accident.
• Passive Restraint Discount – Vehicles equipped with air bags can get savings of 25 to 30%.
• Discount for Life Insurance – If the company offers life insurance, you could get a discount if you purchase some life insurance in addition to your auto policy.
• College Student – Kids who are enrolled in higher education away from home and leave their car at home may be able to be covered for less.

A quick disclaimer, most of the big mark downs will not be given to the entire cost. A few only apply to the price of certain insurance coverages like comprehensive or collision. Even though the math looks like adding up those discounts means a free policy, it’s just not the way it works.

A few popular companies and their offered discounts are detailed below.

• Progressive has savings for continuous coverage, online signing, online quote discount, multi-policy, and multi-vehicle.
• MetLife may have discounts that include good driver, accident-free, good student, defensive driver, and claim-free.
• Mercury Insurance includes discounts for location of vehicle, professional/association, annual mileage, multi-policy, age of vehicle, multi-car, and good student.
• Nationwide offers discounts for multi-policy, business or organization, easy pay, Farm Bureau membership, accident-free, and anti-theft.
• Geico has discounts for defensive driver, multi-policy, anti-theft, air bags, daytime running lights, and five-year accident-free.
• AAA may include discounts for multi-car, pay-in-full, good driver, multi-policy, and good student.

If you want cheaper insurance coverage quotes, ask all companies you are considering how many discounts you can get. Some credits might not apply in your area. To locate companies with discount rates, click here to view.

Tailor your insurance coverage to you

When it comes to choosing coverage for your vehicles, there isn’t really a best way to insure your cars. Coverage needs to be tailored to your specific needs.

These are some specific questions may help highlight whether you might need professional guidance.

• Is upholstery damage covered by car insurance?
• Why do I only qualify for high-risk insurance?
• Can I rate high risk drivers on liability-only vehicles?
• Why am I required to buy liability insurance?
• Do I have coverage when pulling a U-Haul trailer?
• Do I have coverage for damage caused while driving under the influence?
• Is business property covered if stolen from my car?
• Is my camper covered by my car insurance policy?

If you’re not sure about those questions but one or more may apply to you, you may need to chat with an insurance agent. To find an agent in your area, simply complete this short form.

Insurance policy coverages for a 2002 Oldsmobile Intrigue

Understanding the coverages of insurance aids in choosing the best coverages for your vehicles. The terms used in a policy can be impossible to understand and nobody wants to actually read their policy.

Comprehensive (Other than Collision)

Comprehensive insurance pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things such as falling objects, a tree branch falling on your vehicle, rock chips in glass, a broken windshield and theft. The most your insurance company will pay is the actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Protection from uninsured/underinsured drivers

Your UM/UIM coverage gives you protection from other motorists when they do not carry enough liability coverage. Covered claims include injuries to you and your family as well as damage to your Oldsmobile Intrigue.

Due to the fact that many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is very important. Most of the time these coverages do not exceed the liability coverage limits.

Coverage for liability

Liability insurance provides protection from damage that occurs to other’s property or people in an accident. It protects YOU from legal claims by others, and doesn’t cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You commonly see policy limits of 50/100/50 which means $50,000 in coverage for each person’s injuries, a total of $100,000 of bodily injury coverage per accident, and a limit of $50,000 paid for damaged property. Some companies may use one number which is a combined single limit which limits claims to one amount with no separate limits for injury or property damage.

Liability coverage pays for claims such as medical expenses, emergency aid, funeral expenses, attorney fees and bail bonds. How much liability should you purchase? That is a personal decision, but you should buy as high a limit as you can afford.

Medical expense insurance

Personal Injury Protection (PIP) and medical payments coverage pay for short-term medical expenses for pain medications, nursing services, X-ray expenses, EMT expenses and funeral costs. They are used in conjunction with a health insurance plan or if you are not covered by health insurance. They cover not only the driver but also the vehicle occupants and also covers being hit by a car walking across the street. PIP is not universally available but it provides additional coverages not offered by medical payments coverage

Collision coverage protection

This pays for damage to your Intrigue resulting from colliding with another car or object. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for things like sideswiping another vehicle, crashing into a building and scraping a guard rail. This coverage can be expensive, so you might think about dropping it from lower value vehicles. It’s also possible to choose a higher deductible in order to get cheaper collision rates.

Be Smart and Buy Smart

Lower-priced 2002 Oldsmobile Intrigue insurance is definitely available online as well as from insurance agents, so get free insurance coverage quotes from both of them to have the best rate selection. Some insurance companies do not provide internet price quotes and many times these regional carriers work with independent insurance agencies.

You just read a lot of information how to get a better price on 2002 Oldsmobile Intrigue insurance. The key concept to understand is the more you quote insurance coverage, the more likely it is that you will get a better rate. You may even find the most savings is with the least-expected company.

As you restructure your insurance plan, don’t be tempted to skimp on coverage in order to save money. There are too many instances where someone dropped physical damage coverage only to discover later they didn’t purchase enough coverage. The goal is to buy the best coverage you can find at the lowest possible cost.

More tips and info about auto insurance is available by following these links:

• Airbag FAQ (iihs.org)
• Distracted Driving (Insurance Information Insitute)
• Older Drivers FAQ (iihs.org)
• Auto Insurance Basics (Insurance Information Insitute)
• Side Impact Crash Tests (iihs.org)
• Prom Night Tips for Teen Drivers (State Farm)