Cheap 2002 Oldsmobile Intrigue Insurance Rates

Locating better insurance prices for a new or used Oldsmobile Intrigue can be a painful process, but you can learn a few tricks to save time.

There are both good and bad ways to shop for insurance so you’re going to learn the quickest way to get price quotes for a new or used Oldsmobile and locate the lowest possible price either online or from local insurance agents.

It’s a good idea to shop coverage around once or twice a year since insurance prices go up and down regularly. Despite the fact that you may have had the lowest price for Intrigue coverage a couple years back you will most likely find a better rate today. There is a lot of wrong information about insurance out there, but we’re going to give you some excellent ideas to find cheap insurance.

If you have a policy now or need a new policy, you can use this information to cut your premiums and still get good coverage. Locating cheaper insurance coverage is easy if you know what you’re doing. Drivers only need to know the proper methods to buy insurance coverage online.

Why informed consumers pay less for Oldsmobile Intrigue insurance

Many different elements are part of the calculation when you quote your car insurance policy. Some factors are common sense like your driving record, but some are not as apparent such as whether you are married or how financially stable you are.A large part of saving on insurance coverage is knowing some of the factors that go into determining the level of your policy premiums. If you have some idea of what positively or negatively impacts your premiums, this enables you to make decisions that could help you find big savings.

Shown below are just a few of the factors companies use to determine premiums.

• Stressful job may mean higher premiums – Careers like military generals, architects and emergency personnel generally pay higher average rates in part from job stress and incredibly demanding work hours. Other careers such as scientists, athletes and performers receive lower rates for Intrigue coverage.
• Where you live plays a part – Residing in less populated areas of the country has definite advantages when trying to find low car insurance rates. Fewer drivers on the road means reduced accidents in addition to lower liability claims Drivers who live in large cities have more traffic problems and longer commutes to work. Longer commute distances means more chances of being involved in an auto accident.
• Single drivers may have higher rates – Having a wife or husband can actually save you money on insurance coverage. Having a spouse means you’re more mature and responsible and insurance companies like that married drivers tend to have fewer serious accidents.
• Protect yourself with liability coverage – Liability coverage is the coverage that protects you when a court rules you are at fault for causing personal injury or damage in an accident. This coverage provides legal defense up to the limits shown on your policy. Liability insurance is pretty cheap compared to comp and collision, so buy as much as you can afford.
• Five star IIHS safety rating saves money – Vehicles with good safety scores tend to have lower insurance rates. Safer cars result in less severe injuries and lower rates of occupant injuries means less claims paid and cheaper rates on your policy. If your Oldsmobile Intrigue scored at minimum four stars on Safercar.gov it may be receiving lower rates.

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Discounts can really help lower rates

Insurance can be prohibitively expensive, but there’s a good chance there are discounts that you may not know about. Many discounts should be triggered at the time of quoting, but a few need to be asked for before you get the savings.

• Sign Online – Certain insurance companies will give you a small discount for completing your application on their website.
• Anti-lock Brake System – Cars, trucks, and SUVs equipped with ABS or steering control are safer to drive and earn discounts up to 10%.
• 55 and Retired – If you’re over the age of 55, you may qualify for reduced rates for Intrigue coverage.
• Early Signing – Some auto insurance companies provide a discount for buying a policy prior to the expiration date on your current policy. The savings is around 10%.
• Federal Government Employee – Employees or retirees of the government could qualify for a slight premium decrease for Intrigue coverage with some auto insurance companies.
• Theft Prevention System – Cars and trucks equipped with tracking devices and advanced anti-theft systems can help prevent theft and therefore earn up to a 10% discount.

Remember that some of the credits will not apply to your bottom line cost. Most only reduce specific coverage prices like comp or med pay. Even though the math looks like it’s possible to get free car insurance, company stockholders wouldn’t be very happy.

Some of the insurance companies who might offer these money-saving discounts include:

• Mercury Insurance
• Farmers Insurance
• Farm Bureau
• State Farm
• Allstate
• Geico

When quoting, ask every insurance company the best way to save money. Some discounts might not be offered on policies in your area.

Buyer beware of insurance coverage advertising tricks

Consumers get pounded daily by advertisements that claim the cheapest premium rates from companies such as Geico, State Farm and Progressive. All the ads make an identical promise about how much you will save if you move to them.

How is it possible that every company can charge you less for car insurance? It’s all in the words they use.

All companies have specific characteristics for the type of customer that is profitable for them. One example of a driver they prefer could possibly be a married female, has few claims, and drives less than 5,000 miles a year. Any customer that meets those criteria will get a cheap rate quote and most likely will save if they switch.

Consumers who fall short of the requirements must pay higher premium rates which usually ends up with business going elsewhere. Company advertisements say “people that switch” not “all people who quote” save that much. That’s why companies can truthfully claim big savings.

Because of the profiling, it’s extremely important to do a quote comparison often. It is impossible to predict the company that will provide the lowest prices.

Will just any policy work for me?

When it comes to buying proper insurance coverage for your vehicles, there isn’t really a best way to insure your cars. Everyone’s situation is a little different.

These are some specific questions could help you determine if your situation would benefit from an agent’s advice.

• What is the rate difference between pleasure use and commuting?
• Does my policy cover me when driving someone else’s vehicle?
• Is my Oldsmobile Intrigue covered if I use it for business?
• Does coverage extend to Mexico or Canada?
• Can I get a multi-policy discount?
• What if I owe more than I can insure my car for?
• Does liability extend to a camper or trailer?
• Am I covered if I drive in a foreign country?
• Do I have coverage for damage caused while driving under the influence?

If you can’t answer these questions but you think they might apply to your situation, you might consider talking to a licensed insurance agent. If you want to speak to an agent in your area, take a second and complete this form. It only takes a few minutes and can provide invaluable advice.

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Detailed coverages of your insurance policy

Having a good grasp of your policy helps when choosing the best coverages at the best deductibles and correct limits. The coverage terms in a policy can be impossible to understand and reading a policy is terribly boring.

Uninsured and underinsured coverage – This protects you and your vehicle when other motorists either have no liability insurance or not enough. Covered claims include injuries sustained by your vehicle’s occupants and also any damage incurred to your Oldsmobile Intrigue.

Since many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is important protection for you and your family. Usually your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Comprehensive coverages – Comprehensive insurance coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive insurance covers claims such as hitting a bird, damage from flooding and fire damage. The most you’ll receive from a claim is the cash value of the vehicle, so if the vehicle’s value is low consider dropping full coverage.

Coverage for medical payments – Coverage for medical payments and/or PIP kick in for expenses for things like nursing services, surgery, hospital visits and chiropractic care. The coverages can be used to fill the gap from your health insurance policy 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. Personal Injury Protection is only offered in select states and gives slightly broader coverage than med pay

Collision – This will pay to fix damage to your Intrigue resulting from colliding with a stationary object or other vehicle. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims such as rolling your car, scraping a guard rail, backing into a parked car, hitting a mailbox and sideswiping another vehicle. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from lower value vehicles. You can also raise the deductible in order to get cheaper collision rates.

Liability insurance – This coverage provides protection from damages or injuries you inflict on other’s property or people in an accident. This insurance protects YOU against claims from other people, and does not provide coverage for your injuries or vehicle damage.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show policy limits of 100/300/100 which means $100,000 in coverage for each person’s injuries, a total of $300,000 of bodily injury coverage per accident, and property damage coverage for $100,000. Some companies may use one number which is a combined single limit which provides one coverage limit with no separate limits for injury or property damage.

Liability coverage pays for things such as loss of income, medical expenses, pain and suffering and court costs. How much liability should you purchase? That is a decision to put some thought into, but you should buy as much as you can afford.

Don’t throw your cash in the trash

In this article, we presented many tips how you can compare 2002 Oldsmobile Intrigue insurance rates online. The key thing to remember is the more companies you get car insurance rates for, the better likelihood of getting inexpensive insurance coverage. Consumers may even find the lowest rates come from a small local company.

Cheaper 2002 Oldsmobile Intrigue insurance can be found online and also from your neighborhood agents, so you should be comparing quotes from both in order to have the best chance of saving money. Some insurance coverage companies may not offer online rate quotes and many times these small insurance companies sell through independent agents.

As you prepare to switch companies, don’t be tempted to sacrifice coverage to reduce premiums. There are many occasions where someone sacrificed liability coverage limits and found out when filing a claim that they should have had better coverage. Your strategy should be to buy a smart amount of coverage for the lowest cost.

Other resources

• Understanding Rental Car Insurance (Insurance Information Insitute)
• What does Personal Injury Protection (PIP) Cover? (Allstate)
• Side Impact Crash Tests (iihs.org)
• Insuring a Leased Car (Insurance Information Insitute)
• Information for Teen Drivers (Geico)

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