Lower Your 2003 Oldsmobile Aurora Car Insurance Quotes

Trying to find better auto insurance rates for your Oldsmobile Aurora? Being forced to pay for expensive auto insurance premiums can drain your savings account and maybe even restrict other spending. Doing a price comparison is free, only takes a few minutes, and is a good way to lower your monthly bill.

Online insurance companies like Allstate and Progressive constantly blast consumers with TV and radio ads and it is challenging if not impossible to avoid their marketing magic and take the time to shop coverage around.

You should make it a habit to get comparison quotes every six months since prices are constantly changing. Despite the fact that you may have had the best quotes for Aurora coverage two years ago there is a good chance you can find better rates now. Forget anything you know (or think you know) about auto insurance because we’re going to demonstrate how to quote online to save money, get proper deductibles and limits, all at the lowest rate.

Use discounts on insurance

Car insurance is not cheap, but there could be available discounts that can dramatically reduce your bill. Many of these discounts will be applied automatically when you get a quote, but a few must be asked about in order for you to get them.

• Life Insurance – Larger insurance companies have a break if you buy a life policy as well.
• ABS Braking Discount – Anti-lock brake equipped vehicles can stop better under adverse conditions and therefore earn up to a 10% discount.
• Early Signing – A few larger companies offer discounts for switching policies before your current coverage expires. You can save around 10% with this discount.
• Clubs and Organizations – Joining certain professional organizations could trigger savings on your bill.
• Seat Belt Discounts – Forcing all vehicle occupants to buckle up could cut 10% or more off the medical payments premium.
• Good Student – This discount can save 20 to 25%. Many companies even apply the discount to college students up to age 25.
• Passive Restraints – Cars that have air bags or automatic seat belts can receive discounts of up to 25% or more.
• Accident Forgiveness Coverage – Not necessarily a discount, but some companies like Geico, Progressive, and Allstate will forgive one accident before raising your premiums if your claims history is clear for a specific time period.
• Discounts for Multiple Vehicles – Buying a policy with more than one vehicle with one company may reduce the rate for each vehicle.
• Discount for New Cars – Buying insurance on a new vehicle is cheaper since newer models are generally safer.

As a footnote on discounts, many deductions do not apply to all coverage premiums. Most only reduce the price of certain insurance coverages like comp or med pay. If you do the math and it seems like you could get a free insurance policy, that’s just not realistic.

Some of the larger companies who might offer most of these discounts include:

• Geico
• SAFECO
• State Farm
• MetLife
• 21st Century
• Progressive

It’s a good idea to ask every insurance company to give you their best rates. Some credits may not apply to policyholders in your state.

Cheap insurance

To get cheaper insurance quotes, there a variety of ways of comparing price quotes from many different insurance companies. By far the easiest way to find the lowest 2003 Oldsmobile Aurora rates involves getting comparison quotes online. It’s really quite simple and can be done in a couple of different ways.

• One of the simplest ways to get quotes is a comparison rater form click here to open form in new window. This style of form saves time by eliminating multiple quote forms to each individual insurance company. Taking the time to complete one form will get you rate comparisons instantly.
• A more time consuming way to compare prices is going to the website for each individual company and fill out their own quote form. For instance, let’s say you want to get rates from Farmers, Allstate and American Family. You would need to go to each individual site and enter your policy data, which is why most consumers use the first method.

  For a list of links to insurance companies in your area, click here.

• The final way of getting rate comparisons is going to different agent offices. Comparing rates online eliminates this option unless you require the trained advice that you can only get from talking to an agent. However, consumers can get prices online but still have the advice of a local agent.

Whichever way you choose to compare rates, be certain you are entering identical coverage information on every price quote you get. If you enter unequal deductibles or liability limits it will be next to impossible to determine the best price for your Oldsmobile Aurora. Just slight variations in limits can mean a large discrepancy in price. Keep in mind that obtaining a wide range of quotes will increase your chances of finding a lower rate than you’re paying now.

Tailor your car insurance coverage to you

When buying the best car insurance coverage, there isn’t really a “best” method to buy coverage. Your needs are not the same as everyone else’s and your policy should reflect that. Here are some questions about coverages that could help you determine if your insurance needs might need an agent’s assistance.

• Should I carry comprehensive and collision coverage?
• Are split liability limits better than a combined single limit?
• Am I covered if I break a side mirror?
• What are the best liability limits?
• How can I force my company to pay a claim?
• Will I lose any money if I cancel my policy before it expires?
• Do I get a pro-rated refund if I cancel my policy early?
• Can I rate high risk drivers on liability-only vehicles?

If you don’t know the answers to these questions but you know they apply to you, then you may want to think about talking to a licensed agent. If you want to speak to an agent in your area, complete this form or you can also visit this page to select a carrier

Insurance coverage breakdown

Having a good grasp of your policy aids in choosing the best coverages for your vehicles. The coverage terms in a policy can be ambiguous and even agents have difficulty translating policy wording. Listed below are typical coverage types found on most insurance policies.

Comprehensive coverage (or Other than Collision) – This coverage pays for damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims such as hitting a bird, hitting a deer, damage from a tornado or hurricane and rock chips in glass. The highest amount your insurance company will pay is the ACV or actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Liability coverages – This provides protection from damages or injuries you inflict on other people or property that is your fault. This insurance protects YOU against other people’s claims, and does not provide coverage for damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You might see policy 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 $100,000 of coverage for damaged propery.

Liability coverage pays for claims like legal defense fees, loss of income, bail bonds, court costs and medical services. The amount of liability coverage you purchase is up to you, but buy as high a limit as you can afford.

Uninsured Motorist or Underinsured Motorist insurance – This coverage provides protection from other drivers when they either have no liability insurance or not enough. Covered losses include hospital bills for your injuries and damage to your Oldsmobile Aurora.

Since many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is a good idea.

Collision coverage – Collision coverage pays for damage to your Aurora from colliding with a stationary object or other vehicle. You have to pay a deductible and then insurance will cover the remainder.

Collision insurance covers claims such as sustaining damage from a pot hole, hitting a mailbox and driving through your garage door. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are older. Drivers also have the option to bump up the deductible to bring the cost down.

Insurance for medical payments – Personal Injury Protection (PIP) and medical payments coverage pay for expenses like pain medications, rehabilitation expenses, chiropractic care, doctor visits and nursing services. They are often used in conjunction with a health insurance policy or if you do not have health coverage. It covers both the driver and occupants in addition to any family member struck as a pedestrian. PIP is not available in all states but can be used in place of medical payments coverage

Compare but don’t skimp

There are still a few companies who may not have rates over the internet and these small, regional companies provide coverage only through independent agents. Low-cost 2003 Oldsmobile Aurora insurance can be bought online in addition to local insurance agencies, and you need to price shop both to have the best chance of lowering rates.

We just covered many ways to shop for 2003 Oldsmobile Aurora insurance online. The most important thing to understand is the more price quotes you have, the better likelihood of getting cheap insurance. You may even discover the most savings is with a small mutual company. Some small companies may have significantly lower premium rates on certain market segments than their larger competitors like State Farm or Progressive.

To learn more, link through to the following helpful articles:

• Understanding Rental Car Insurance (Insurance Information Insitute)
• Things to Know Before you Cancel Insurance (Allstate)
• Neck Injury FAQ (iihs.org)
• Air Bags: Potential Dangers to Your Children (Insurance Information Insitute)
• How Does Hitting a Deer Impact Insurance Rates? (Allstate)
• Coverage Information (Progressive Insurance)