1997 Oldsmobile Aurora Insurance Rates – 8 Tips for Best Quotes

Searching for lower insurance coverage rates for your Oldsmobile Aurora? If you’re shopping for more affordable insurance on the web, are you overwhelmed by the number of insurance coverage choices available to you? People have so many choices to choose from that it can turn into a real hassle to find the perfect company for you.

It’s a great practice to do price comparisons yearly due to the fact that insurance prices are variable and change quite frequently. If you had the best quotes for Aurora coverage a year ago the chances are good that you can find a lower rate today. There are a lot of ways to save on insurance coverage online, but I’m going to show you some of the best ways to find affordable insurance coverage.

The method we recommend to compare rates utilizes the fact most larger insurance companies provide online access to give you rate quotes. All consumers are required to do is provide a little information including the make and model of your vehicles, deductibles desired, if it has an anti-theft system, and what you do for a living. Your details gets transmitted to many of the top insurers and they return rate quotes almost instantly.

Do you qualify for these eight discounts?

Car insurance can cost a lot, but you might find some hidden discounts to help offset the cost. Some discounts will apply at the time of quoting, but a few must be asked about prior to getting the savings.

• Discounts for Safe Drivers – Insureds without accidents may receive a discount up to 45% for Aurora coverage than their less cautious counterparts.
• ABS Brakes – Anti-lock brake equipped vehicles can reduce accidents so companies give up to a 10% discount.
• Pay Early and Save – By paying your policy upfront rather than spreading payments over time you can avoid the installment charge.
• One Accident Forgiven – This isn’t a discount exactly, but companies like Progressive, State Farm and Geico will forgive one accident without getting socked with a rate hike if you are claim-free prior to being involved in the accident.
• Professional Memberships – Being a member of qualifying employment or professional organizations is a good way to get lower rates on your next auto insurance statement.
• Switch and Save Discount – A few auto insurance companies allow discounts for switching companies before your current expiration date. You could save around 10% when you buy car insurance online.
• Drive Less and Save – Low annual miles can qualify you for cheaper rates.
• Passive Restraints – Factory options such as air bags or motorized seat belts could see savings of 20% or more.

Discounts reduce rates, but you should keep in mind that some of the credits will not apply to the entire cost. The majority will only reduce individual premiums such as collision or personal injury protection. So despite the fact that it appears all the discounts add up to a free policy, that’s just not realistic.

A list of companies and their offered discounts include:

• State Farm policyholders can earn discounts including Drive Safe & Save, accident-free, good driver, multiple autos, driver’s education, safe vehicle, and passive restraint.
• Farmers Insurance may include discounts for pay in full, electronic funds transfer, multi-car, distant student, good student, and mature driver.
• Geico offers discounts including membership and employees, five-year accident-free, federal employee, driver training, anti-lock brakes, good student, and seat belt use.
• American Family may offer discounts for air bags, multi-vehicle, mySafetyValet, TimeAway discount, and good student.
• Nationwide has savings for good student, anti-theft, defensive driving, business or organization, Farm Bureau membership, family plan, and easy pay.
• Progressive includes discounts for homeowner, online signing, continuous coverage, good student, multi-policy, online quote discount, and multi-vehicle.

When getting a coverage quote, ask every prospective company which discounts you qualify for. Depending on the company, some discounts may not be offered in every state.

Don’t assume everyone needs the same auto insurance coverage

When it comes to buying the right insurance coverage, there is no perfect coverage plan. Each situation is unique.

For instance, these questions may help highlight whether or not you would benefit from an agent’s advice.

• Does my 1997 Oldsmobile Aurora qualify for pleasure use?
• Do all my vehicles need collision coverage?
• Does my policy cover me when driving someone else’s vehicle?
• Are my friends covered when driving my 1997 Oldsmobile Aurora?
• Which is better, split liability limits or combined limits?
• Is my trailer covered?
• When would I need rental car insurance?
• Am I better off with higher deductibles on my 1997 Oldsmobile Aurora?
• Am I covered if I break a side mirror?
• Do I need higher collision deductibles?

If you don’t know the answers to these questions, you may need to chat with a licensed agent. To find lower rates from a local agent, fill out this quick form.

Insurance coverage basics

Understanding the coverages of your policy can be of help when determining appropriate coverage at the best deductibles and correct limits. Policy terminology can be impossible to understand and reading a policy is terribly boring.

Comprehensive or Other Than Collision

Comprehensive insurance pays for damage from a wide range of events other than collision. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things such as damage from flooding, hitting a deer, fire damage and falling objects. The highest amount a insurance company will pay at claim time is the actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Liability auto insurance

This protects you from injuries or damage you cause to people or other property. Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see limits of 25/50/25 that means you have a $25,000 limit per person for injuries, a total of $50,000 of bodily injury coverage per accident, and a total limit of $25,000 for damage to vehicles and property. Some companies may use one limit called combined single limit (CSL) that pays claims from the same limit rather than limiting it on a per person basis.

Liability coverage protects against things like medical expenses, funeral expenses and pain and suffering. The amount of liability coverage you purchase is up to you, but it’s cheap coverage so purchase as much as you can afford.

UM/UIM Coverage

Uninsured or Underinsured Motorist coverage gives you protection when other motorists either have no liability insurance or not enough. Covered losses include injuries to you and your family as well as your vehicle’s damage.

Since a lot of drivers only carry the minimum required liability limits, their limits can quickly be used up. So UM/UIM coverage is very important. Usually these coverages do not exceed the liability coverage limits.

Medical costs insurance

Personal Injury Protection (PIP) and medical payments coverage pay for expenses for things like pain medications, prosthetic devices, surgery and hospital visits. They can be used to cover expenses not covered by your 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 any family member struck as a pedestrian. Personal injury protection coverage is only offered in select states and may carry a deductible

Collision coverage protection

This coverage covers damage to your Aurora from colliding with a stationary object or other vehicle. You first must pay a deductible then your collision coverage will kick in.

Collision can pay for things like rolling your car, crashing into a building, scraping a guard rail, damaging your car on a curb and backing into a parked car. Collision coverage makes up a good portion of your premium, so consider removing coverage from lower value vehicles. Drivers also have the option to bump up the deductible to save money on collision insurance.

Pennies from heaven

You just learned a lot of ways to shop for 1997 Oldsmobile Aurora insurance online. It’s most important to understand that the more providers you compare, the more likely it is that you will get a better rate. You may even find the lowest priced insurance coverage comes from a small mutual company.

As you quote car insurance, it’s not a good idea to skimp on coverage in order to save money. In many instances, someone sacrificed comprehensive coverage or liability limits and found out when filing a claim they didn’t have enough coverage. The ultimate goal is to buy the best coverage you can find at the lowest possible cost but still have enough coverage for asset protection.

The cheapest 1997 Oldsmobile Aurora insurance can be sourced from both online companies in addition to many insurance agents, and you need to comparison shop both in order to have the best price selection to choose from. A few companies may not have rates over the internet and these regional insurance providers provide coverage only through independent insurance agents.

For more information, feel free to browse these articles:

• What to do at the Scene of an Accident (Insurance Information Insitute)
• Drunk Driving Statistics (Insurance Information Insitute)
• Car Insurance: When not to Skimp (BankRate.com)
• How to Avoid Buying a Flooded Car (Insurance Information Insitute)