1991 Oldsmobile Bravada Insurance Quotes – 10 Tips for Cheaper Rates

Do you get confused by the dozens of insurance coverage choices? Drivers have so many options that it can easily turn into a real hassle to find lower premium rates.

Consumers need to shop coverage around quite often due to the fact that insurance prices are rarely the same from one policy term to another. If you had the lowest price for Bravada insurance at your last renewal other companies may now be cheaper. You’ll find a ton of advice on insurance coverage online but by reading this article, you’re going to learn a lot of great tips on how to lower your insurance coverage bill.

Buy insurance coverage online

The majority of larger companies such as 21st Century, Allstate and State Farm allow consumers to get coverage price quotes directly from their websites. Doing online quotes is quite simple because it’s just a matter of typing in the coverage amounts you desire as requested by the quote form. After the form is submitted, their quoting system will obtain information on your driving record and credit history and returns a price based on the data you entered.

This makes comparing rates easy, but the time required to go to multiple sites and type in the same data can be a bit tiresome and repetitive. But it’s very important to compare as many rates as possible in order to find the best price possible.

There is a better way!

The smarter way to get multiple rate quotes uses just one form to get prices from a bunch of companies at once. It’s a real time-saver, reduces the work, and makes online price comparison a lot less work. Once the form is submitted, it is quoted and you are able to buy any or none of the price quotes you receive.

If one or more price quotes are lower than your current rates, you can click and sign and purchase the new policy. The whole process takes less than 15 minutes and you’ll know if lower rates are available.

To use this form to compare rates, click here to open in a new tab and submit the form. If you have your current policy handy, we recommend you input coverages and limits as close as possible to your current policy. This way, you are getting rate comparison quotes based on similar coverages.

Ten discounts for lower-cost auto insurance rates

Auto insurance companies do not advertise all disounts in a way that’s easy to find, so the list below contains both the well known and the harder-to-find credits available to bring down your rates.

• Club Memberships – Belonging to a qualifying organization could qualify you for a break on your bill.
• Discount for Passive Restraints – Factory air bags may earn rate discounts as much as 30%.
• Active Military Service – Being on active duty in the military could qualify you for better rates.
• Waiver for an Accident – but a handful of insurance companies will allow you to have one accident without getting socked with a rate hike if you have no claims prior to the accident.
• Early Switch Discount – A few insurance companies give discounts for switching companies prior to your current policy expiring. It could save around 10% when you buy car insurance online.
• Theft Prevention Discount – Anti-theft and alarm system equipped vehicles prevent vehicle theft and that can save you a little bit as well.
• Discounts for Multiple Vehicles – Buying a policy with all your vehicles on the same auto insurance policy can reduce rates for all insured vehicles.
• Senior Citizens – Older drivers could receive a discount up to 10% for Bravada insurance.
• Discounts for Cautious Drivers – Drivers who don’t get into accidents can pay as much as 50% less for Bravada insurance than drivers with accident claims.
• No Claim Discounts – Claim-free drivers can earn big discounts compared to accident-prone drivers.

One thing to note about discounts is that some credits don’t apply to the entire cost. A few only apply to the cost of specific coverages such as liability and collision coverage. Despite the fact that it seems like adding up those discounts means a free policy, company stockholders wouldn’t be very happy.

Some of the insurance companies that may have some of the above discounts are:

• State Farm
• American Family
• Geico
• 21st Century
• Progressive

It’s a good idea to ask all companies you are considering which discounts you may be entitled to. A few discounts may not apply in your area. If you would like to view insurers that offer some of these discounts, click here to view.

You may need specialized auto insurance coverage

When it comes to choosing adequate coverage for your vehicles, there isn’t really a “best” method to buy coverage. Everyone’s situation is unique.

These are some specific questions may help you determine whether or not you could use an agent’s help.

• Do all my vehicles need collision coverage?
• Am I covered when renting a car or should I buy coverage from the car rental agency?
• Am I covered if I break a side mirror?
• Do I really need UM/UIM coverage?
• How can I get my company to pay me more for my totalled car?
• How high should my uninsured/underinsured coverage be in my state?
• Should I rate my 1991 Oldsmobile Bravada as pleasure use or commute?
• Should I carry comprehensive and collision coverage?
• Does coverage extend to a rental car in a foreign country?
• Do I need motorclub coverage?

If you’re not sure about those questions but you know they apply to you, then you may want to think about talking to a licensed agent. If you don’t have a local agent, take a second and complete this form.

Car insurance specifics

Knowing the specifics of car insurance aids in choosing the best coverages for your vehicles. The coverage terms in a policy can be impossible to understand and coverage can change by endorsement.

Liability insurance

This coverage protects you from damages or injuries you inflict on other’s property or people 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 values of 25/50/25 that translate to $25,000 in coverage for each person’s injuries, a limit of $50,000 in injury protection per accident, and $25,000 of coverage for damaged propery. Alternatively, you may have one number which is a combined single limit that pays claims from the same limit rather than limiting it on a per person basis.

Liability coverage pays for claims like emergency aid, repair bills for other people’s vehicles, loss of income and structural damage. How much coverage you buy is your choice, but it’s cheap coverage so purchase as much as you can afford.

Uninsured Motorist or Underinsured Motorist insurance

This protects you and your vehicle from other motorists when they either are underinsured or have no liability coverage at all. Covered losses include injuries sustained by your vehicle’s occupants and damage to your 1991 Oldsmobile Bravada.

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. So UM/UIM coverage is a good idea. Frequently your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Insurance for medical payments

Medical payments and Personal Injury Protection insurance provide coverage for expenses such as hospital visits, ambulance fees, chiropractic care, pain medications and EMT expenses. The coverages can be used in conjunction with a health insurance program or if you lack health insurance entirely. They cover not only the driver but also the vehicle occupants and will also cover if you are hit as a while walking down the street. Personal Injury Protection is only offered in select states but can be used in place of medical payments coverage

Collision coverage protection

Collision coverage covers damage to your Bravada resulting from colliding with a stationary object or other vehicle. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims such as hitting a parking meter, driving through your garage door, crashing into a ditch and scraping a guard rail. Collision coverage makes up a good portion of your premium, so consider removing coverage from lower value vehicles. It’s also possible to bump up the deductible to save money on collision insurance.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive can pay for claims such as a tree branch falling on your vehicle, hitting a bird, damage from getting keyed and hail damage. The most your car insurance company will pay is the market value of your vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.