2004 Oldsmobile Alero Insurance Rates – 7 Ways to Save

Trying to find cheaper insurance for your Oldsmobile Alero can normally be a painful process, but you can learn a few tricks to find lower rates. There are more efficient ways to shop for auto insurance and you need to know the quickest way to quote coverages for a new or used Oldsmobile and find the best price possible from both online companies and local agents.

Consumers need to take a look at other company’s rates before your next renewal since rates go up and down regularly. Even if you think you had the lowest premium rates for Alero coverage a few years ago you will most likely find a better price today. There is too much inaccurate information about auto insurance online, but by reading this article, you’re going to learn some excellent ideas to quit paying high auto insurance rates.

Choosing the best insurance company for you is quite easy. If you have a current car insurance policy or are just looking to switch companies, you will benefit by learning to find the best rates and possibly find even better coverage. Drivers only need to know the best way to find the lowest price on the web.

How to shop insurance coverage online

Most companies like Allstate, Geico and Progressive allow consumers to get prices for coverage direct online. The process is quite simple as all you need to do is type in the amount of coverage you want as requested by the quote form. After you complete the form, their system will obtain your driving and credit reports and returns a price quote based on many factors.

Being able to quote online streamlines rate comparisons, but the time required to go to each company’s website and repetitively fill out multiple forms is not the best way to spend an afternoon. But it’s also necessary to compare as many rates as possible if you are searching for the lowest possible prices on insurance coverage.

There is a better way!

The easiest way to find better insurance coverage pricing requires only one form that gets prices from several companies at one time. The form is fast, eliminates repetitive work, and makes rate comparisons much more enjoyable. After your information is entered, your coverage is rated and you can choose your choice of the price quotes you receive. If a lower price is quoted, it’s easy to complete the application and buy the new coverage. The whole process takes less than 15 minutes and you will know how your current rates stack up.

If you want to get comparison pricing now, click here to open in new window and enter your information. If you currently have coverage, we recommend you copy just like they are on your policy. Doing this guarantees you will receive an apples-to-apples comparison using the exact same coverages.

Cheaper rates with these seven insurance discounts

Buying insurance is not cheap, but discounts can save money and there are some available that may help make it more affordable. Many discounts should be triggered when you purchase, but less common discounts must be specifically requested prior to getting the savings.

• Driver’s Ed – Cut your cost by having your teen driver enroll in driver’s education if offered at their school.
• Good Student Discount – A discount for being a good student can get you a discount of up to 25%. Most companies allow this discount well after school through age 25.
• Distant College Student Discount – Youth drivers who live away from home to go to college without a vehicle on campus could get you a discount.
• Seat Belt Usage – Drivers who require all occupants to buckle their seat belts can save 10% or more off the PIP or medical payment premium.
• Defensive Driver Discount – Successfully completing a course teaching safe driver skills can save you 5% or more depending on where you live.
• Accident Forgiveness – Not really a discount, but a few companies such as Liberty Mutual and Geico permit an accident before they charge you more for coverage so long as you are claim-free prior to the accident.
• Passive Restraint Discount – Vehicles equipped with air bags or automatic seat belts can qualify for discounts as much as 30%.

Don’t be surprised that most discounts do not apply to all coverage premiums. A few only apply to the price of certain insurance coverages like liability, collision or medical payments. Even though it appears you would end up receiving a 100% discount, it just doesn’t work that way. Any qualifying discounts will cut the cost of your policy.

If you would like to view insurers that provide some of the discounts listed above, follow this link.

Insurance coverage can get complicated

When buying adequate coverage, there is no best way to insure your cars. Everyone’s situation is unique.

For instance, these questions might point out whether you would benefit from an agent’s advice.

• Is extra glass coverage worth it?
• Do all my vehicles need collision coverage?
• How do I insure my teen driver?
• When can my company non-renew my policy?
• How can I force my company to pay a claim?
• What should my uninsured motorist coverage limits be in my state?

If it’s difficult to answer those questions but a few of them apply, then you may want to think about talking to a licensed insurance agent. To find lower rates from a local agent, take a second and complete this form. It only takes a few minutes and you can get the answers you need.

Auto insurance coverages

Learning about specific coverages of insurance can help you determine appropriate coverage at the best deductibles and correct limits. Insurance terms can be impossible to understand and nobody wants to actually read their policy.

Comprehensive or Other Than Collision – Comprehensive insurance pays for damage OTHER than collision with another vehicle or object. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage protects against things like rock chips in glass, a broken windshield, damage from getting keyed, fire damage and falling objects. The maximum payout you can receive from a comprehensive claim is the actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Medical costs insurance – Coverage for medical payments and/or PIP reimburse you for bills for surgery, dental work and pain medications. The coverages can be used to fill the gap from your health insurance program or if there is no health insurance coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants as well as 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

UM/UIM Coverage – Uninsured or Underinsured Motorist coverage provides protection when other motorists do not carry enough liability coverage. It can pay for hospital bills for your injuries as well as your vehicle’s damage.

Since many drivers have only the minimum liability required by law, their limits can quickly be used up. So UM/UIM coverage is important protection for you and your family.

Collision coverage – This pays for damage to your Alero resulting from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage pays for claims such as sideswiping another vehicle, colliding with a tree, driving through your garage door and crashing into a ditch. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are older. Drivers also have the option to bump up the deductible to get cheaper collision coverage.

Coverage for liability – Liability insurance protects you from damage or injury you incur to a person or their property that is your fault. It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see 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 $50,000 of coverage for damaged propery.

Liability can pay for claims like emergency aid, attorney fees, structural damage, medical expenses and funeral expenses. How much coverage you buy is up to you, but it’s cheap coverage so purchase as large an amount as possible.