1999 Oldsmobile Bravada Insurance Rates

Trying to find lower insurance coverage rates for your Oldsmobile Bravada? Searching for low-cost insurance for an Oldsmobile Bravada can normally be a lot of work, but you can follow these tips to make it easier.

There is a right way and a wrong way to buy insurance coverage so we’re going to tell you the proper way to compare rates for a Oldsmobile and obtain the lowest price.

Compare quotes for insurance

Finding a lower price on 1999 Oldsmobile Bravada insurance is actually easier than you may think. The only thing you need to do is spend a little time to compare free insurance quotes to find out which insurance company has the cheapest insurance quotes. Rate comparisons can be done in just a few minutes using one of these methods.

1. The fastest and easiest way consumers can make multiple comparisons is to use a rate comparison form like this one (opens in new window). This easy form saves time by eliminating repetitive form submissions for each price estimate. Filling out one form compares rates from multiple companies. Just one form and you’re done.
2. A harder way to find lower rates consists of going to each individual company website to request a price quote. For example, let’s say you are doing a rate comparison from USAA, Progressive and Travelers. To get each rate you have to spend time going to each site individually and repeatedly enter your information, which is why first method is reommended. For a list of companies in your area, click here.

It’s up to you which method you use, but be sure to compare equivalent coverage information for every company. If the quotes have different data it will be next to impossible to make a fair rate comparison.

Lower rate quotes with these discounts

Some insurance providers don’t necessarily list the complete list of policy discounts very clearly, so we break down some of the more common in addition to some of the lesser obvious discounts that may be available.

• Membership in Organizations – Belonging to specific professional or occupational memberships or organizations could earn you a nice discount when getting a insurance quote.
• Anti-lock Brakes – Vehicles that have steering control and anti-lock brakes can avoid accidents and earn discounts up to 10%.
• Discount for Passive Restraints – Factory options such as air bags and/or automatic seat belt systems can receive discounts up to 30%.
• Theft Prevention Discount – Cars and trucks with anti-theft systems are stolen with less frequency and qualify for as much as a 10% discount.
• Switch and Save Discount – Select companies give a discount for switching companies prior to your current policy expiration. The savings is around 10%.

Consumers should know that most discounts do not apply to your bottom line cost. The majority will only reduce individual premiums such as medical payments or collision. So despite the fact that it appears having all the discounts means you get insurance for free, it just doesn’t work that way. Any amount of discount will definitely reduce your policy premiums.

Some companies who might offer some of the above discounts include:

• State Farm
• Geico
• Progressive
• 21st Century
• American Family
• The Hartford
• AAA

If you need lower rates, check with all companies you are considering the best way to save money. Some credits may not be available in your area. To locate providers with discount car insurance rates, click this link.

Car insurance can be complex

When it comes to choosing coverage, there really is no “best” method to buy coverage. Your needs are not the same as everyone else’s.

For instance, these questions may help you determine if you might need professional guidance.

• What is the rate difference between pleasure use and commuting?
• Are rental cars covered under my policy?
• Does my liability insurance cover pulling a trailer or camper?
• How many claims can I have before being cancelled?
• Are my friends covered when driving my car?
• Is my babysitter covered when using my vehicle?
• What should my uninsured motorist coverage limits be in my state?

If it’s difficult to answer those questions but you know they apply to you, then you may want to think about talking to a licensed insurance agent. If you don’t have a local agent, simply complete this short form. It’s fast, doesn’t cost anything and can provide invaluable advice.

Coverage specifics

Learning about specific coverages of a auto insurance policy helps when choosing the best coverages and the correct deductibles and limits. The coverage terms in a policy can be confusing and reading a policy is terribly boring.

Medical payments coverage and PIP

Medical payments and Personal Injury Protection insurance pay for short-term medical expenses like chiropractic care, pain medications and prosthetic devices. They are used in conjunction with a health insurance plan or if you lack health insurance entirely. Coverage applies to both the driver and occupants and also covers any family member struck as a pedestrian. Personal Injury Protection is not universally available but it provides additional coverages not offered by medical payments coverage

Comprehensive coverage

Comprehensive insurance pays to fix your vehicle from damage OTHER than collision with another vehicle or object. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims such as rock chips in glass, theft and vandalism. The most a auto insurance company will pay at claim time is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Collision coverage

Collision insurance will pay to fix damage to your Bravada resulting from a collision with another car or object. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage pays for things like hitting a parking meter, scraping a guard rail, colliding with another moving vehicle, rolling your car and crashing into a building. Collision is rather expensive coverage, so consider removing coverage from vehicles that are 8 years or older. It’s also possible to bump up the deductible in order to get cheaper collision rates.

Liability insurance

Liability insurance can cover damage that occurs to people or other property in an accident. This coverage protects you against claims from other people, and does not provide coverage for damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You might see liability limits of 50/100/50 that means you have a $50,000 limit per person for injuries, $100,000 for the entire accident, and $50,000 of coverage for damaged propery. Occasionally you may see one limit called combined single limit (CSL) which provides one coverage limit and claims can be made without the split limit restrictions.

Liability can pay for claims such as court costs, attorney fees and medical expenses. How much liability coverage do you need? That is up to you, but consider buying as high a limit as you can afford.

Uninsured/Underinsured Motorist coverage

Your UM/UIM coverage gives you protection when other motorists do not carry enough liability coverage. It can pay for hospital bills for your injuries and also any damage incurred to your Oldsmobile Bravada.

Since a lot of drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is very important. Usually these limits are identical to your policy’s liability coverage.