2002 Oldsmobile Aurora Insurance Quotes – 5 Ways to Save

Did you fall for a flashy sales pitch and buy an overpriced auto insurance policy? Don’t feel bad because there are a lot of people just like you who feel imprisoned by their auto insurance policy.

Companies like Allstate, Progressive and Geico continually bombard you with advertising and consumers find it hard to ignore the flying pigs and cute green geckos and effectively compare rates to find the best deal.

It is always a good idea to compare premium rates on a regular basis since rates go up and down regularly. Just because you found the best premium rates for Aurora coverage on your last policy other companies may now be cheaper. There is lot of inaccurate information about auto insurance online, but I’m going to show you the easiest ways to lower your auto insurance bill.

Save a ton with these five auto insurance discounts

Companies that sell car insurance don’t necessarily list all disounts very clearly, so the below list has some of the best known and the harder-to-find credits that may apply to you. If you check and find you aren’t receiving every discount possible, you could be paying more than you need to.

• Early Renewal Discounts – A few companies offer discounts for buying a policy prior to your current policy expiration. Ten percent is about the average savings.
• Seat Belt Discounts – Drivers who require all occupants to fasten their seat belts can save 10% or more off the medical payments premium.
• Multiple Policy Discount – If you can bundle your homeowners and auto insurance and place coverage with the same company you could earn a discount of at least 10% off all policies.
• Passenger Safety Discount – Vehicles equipped with air bags or motorized seat belts can receive discounts up to 30%.
• Defensive Driving Course – Taking time to complete a course in defensive driver could cut 5% off your bill if your company offers it.

Please keep in mind that some credits don’t apply to the overall cost of the policy. Most only apply to the cost of specific coverages such as medical payments or collision. So despite the fact that it appears all the discounts add up to a free policy, you won’t be that lucky. But all discounts will help lower the premium cost.

A few popular companies and some of the premium reductions they offer can be found below.

• State Farm may have discounts that include passive restraint, anti-theft, student away at school, safe vehicle, multiple autos, and Steer Clear safe driver discount.
• Geico discounts include membership and employees, anti-lock brakes, multi-vehicle, air bags, five-year accident-free, and defensive driver.
• SAFECO has discounts for bundle discounts, multi-car, drive less, anti-theft, teen safety rewards, and homeowner.
• Farmers Insurance offers discounts including business and professional, youthful driver, homeowner, good student, and teen driver.
• AAA offers discounts for good driver, pay-in-full, good student, AAA membership discount, anti-theft, multi-policy, and multi-car.
• USAA may offer discounts for vehicle storage, good student, loyalty savings, multi-policy, and military installation.

Before buying, ask each company which discounts they offer. Some discounts listed above may not apply to policyholders in every state.

Car insurance can get complicated

When it comes to choosing the best car insurance coverage for your personal vehicles, there isn’t really a best way to insure your cars. Every insured’s situation is different so this has to be addressed. For example, these questions can aid in determining if your situation might need an agent’s assistance.

• What can I do if my company won’t pay a claim?
• Who is covered when they drive my 2002 Oldsmobile Aurora?
• Do I have newly-aquired coverage?
• Can I get a multi-policy discount?
• Can I make deliveries for my home business?
• Does my medical payments coverage pay my health insurance deductible?
• Why is insurance for a teen driver so high?

If you can’t answer these questions but one or more may apply to you, then you may want to think about talking to an agent. To find lower rates from a local agent, simply complete this short form or click here for a list of car insurance companies in your area.

Insurance coverage basics

Having a good grasp of insurance can be of help when determining the right coverages at the best deductibles and correct limits. The terms used in a policy can be confusing and coverage can change by endorsement. These are typical coverages offered by insurance companies.

Uninsured Motorist or Underinsured Motorist insurance – This protects you and your vehicle’s occupants when other motorists either are underinsured or have no liability coverage at all. Covered claims include injuries to you and your family as well as your vehicle’s damage.

Due to the fact that 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.

Liability auto insurance – This will cover damage that occurs to other people or property in an accident. It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You might see limits of 100/300/100 which stand for a $100,000 limit per person for injuries, a total of $300,000 of bodily injury coverage per accident, and a limit of $100,000 paid for damaged property.

Liability coverage pays for things like attorney fees, repair bills for other people’s vehicles and structural damage. How much liability coverage do you need? That is your choice, but buy as large an amount as possible.

Comprehensive coverage (or Other than Collision) – Comprehensive insurance coverage pays for damage caused by mother nature, theft, vandalism and other events. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive can pay for claims such as falling objects, hitting a bird, rock chips in glass and fire damage. The most your insurance company will pay is the actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Collision coverage – This coverage pays for damage to your Aurora caused by collision with a stationary object or other vehicle. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims like hitting a parking meter, driving through your garage door and rolling your car. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are older. You can also choose a higher deductible in order to get cheaper collision rates.

Insurance for medical payments – Coverage for medical payments and/or PIP pay for bills such as pain medications, doctor visits, X-ray expenses and EMT expenses. They are often used to fill the gap from your health insurance program or if you lack health insurance entirely. Medical payments and PIP cover you and your occupants in addition to being hit by a car walking across the street. Personal Injury Protection is not an option in every state and may carry a deductible

A little work can save a LOT of money

We just covered many ideas to shop for 2002 Oldsmobile Aurora insurance online. The key concept to understand is the more quotes you get, the higher your chance of finding the cheapest car insurance. Consumers could even find that the most savings is with an unexpected company. These smaller insurers can often provide lower prices in certain areas as compared to the big name companies such as Progressive and Geico.

When you buy car insurance online, you should never reduce coverage to reduce premium. There have been many cases where an insured cut liability limits or collision coverage and found out when filing a claim that they should have had better coverage. Your goal is to purchase plenty of coverage at the best price and still be able to protect your assets.

Much more information about auto insurance can be read on the following sites:

• When is the Right Time to Switch Car Insurance Companies? (Allstate)
• Eight Auto Insurance Myths (Insurance Information Insitute)
• Choosing a Car for Your Teen (State Farm)
• Side Impact Crash Tests (iihs.org)
• Uninsured Motorists: Threats on the Road (Insurance Information Insitute)