View 1999 Oldsmobile Aurora Car Insurance Rates

Sick and tired of not being able to afford to pay insurance each month? You are in the same boat as many other drivers.

You have so many auto insurance companies to buy insurance from, and though it is a good thing to have multiple companies, more options can take longer to compare rates and cut insurance costs.

Quote auto insurance online

There are multiple methods you can shop for auto insurance but one way is less labor-intensive and much quicker. You can waste a few hours (or days) driving to insurance agencies in your area, or you could use online quoting to get rate comparisons in just a few minutes.

Many insurance companies take part in a program where prospective buyers only type in their quote data once, and each participating company then returns a price quote based on that data. This prevents consumers from doing form submissions for each company you want a rate for.

To find out what other companies charge click here (opens in new window).

The single downside to using this type of form is you cannot specify the companies to get pricing from. If you would rather choose individual companies to receive pricing from, we put together a list of the cheapest auto insurance companies in your area. Click to view list.

Take whichever approach you prefer, but be sure you’re using apples-to-apples coverage limits for every company. If each company quotes differing limits you can’t possibly get a fair rate comparison. Just a small difference in coverages may result in a large different in cost. Just remember that more quotes will increase your chances of finding more affordable insurance. Some regional insurers cannot provide price estimates online, so it’s necessary to compare prices from them as well.

Discounts for lower-cost auto insurance rates

Not many people think insurance is cheap, but there could be available discounts that may help make it more affordable. Some of these disounts will be visible at the time you complete a quote, but some may not be applied and must be specifically requested prior to receiving the credit.

• Discount for Good Grades – Maintaining excellent grades may save as much as 25% on a car insurance quote. The good student discount can last until age 25.
• Anti-lock Brakes – Cars that have anti-lock braking systems are much safer to drive and qualify for as much as a 10% discount.
• Accident Forgiveness Coverage – Not necessarily a discount, but some companies like Liberty Mutual, Allstate and State Farm will allow you to have one accident before hitting you with a surcharge so long as you are claim-free prior to being involved in the accident.
• Defensive Driving Course – Passing a defensive driver class could earn you a small percentage discount if you qualify.
• Accident Free – Drivers who stay claim-free pay much less when compared with frequent claim filers.
• Military Rewards – Having an actively deployed family member could mean lower premium rates.

A little disclaimer on discounts, some credits don’t apply to your bottom line cost. Most only reduce the price of certain insurance coverages like liability and collision coverage. So when it seems like it’s possible to get free car insurance, company stockholders wouldn’t be very happy.

Companies and some of the premium reductions they offer are shown below.

• State Farm may have discounts that include driver’s education, good driver, student away at school, accident-free, anti-theft, good student, and Steer Clear safe driver discount.
• American Family offers discounts including TimeAway discount, good driver, bundled insurance, multi-vehicle, Steer into Savings, good student, and accident-free.
• AAA may include discounts for education and occupation, anti-theft, good driver, multi-car, good student, multi-policy, and AAA membership discount.
• Geico offers discounts for good student, anti-lock brakes, daytime running lights, defensive driver, and military active duty.
• Mercury Insurance policyholders can earn discounts including multi-policy, good student, low natural disaster claims, anti-theft, and accident-free.
• Farmers Insurance discounts include multi-car, alternative fuel, switch companies, electronic funds transfer, and bundle discounts.
• Progressive offers premium reductions for homeowner, continuous coverage, online quote discount, good student, and multi-policy.

When quoting, ask each company or agent what discounts are available to you. Some credits might not be offered on policies everywhere. To see a list of insurers with discount rates, click here to view.

Tailor your car insurance coverage to you

When it comes to choosing coverage, there is no cookie cutter policy. Your needs are not the same as everyone else’s and your policy should reflect that. Here are some questions about coverages that may help highlight whether your personal situation might need an agent’s assistance.

• Where can I find DUI or SR-22 insurance?
• Does my policy cover my teen driver if they drive my company car?
• Do I need higher collision deductibles?
• If my pet gets injured in an accident are they covered?
• What vehicles should carry emergency assistance coverage?
• Is pleasure use cheaper than using my 1999 Oldsmobile Aurora to commute?
• Can I get a multi-policy discount for packaging my home and auto coverage?
• Why is insurance for a teen driver so high?

If it’s difficult to answer those questions, you may need to chat with an insurance agent. If you want to speak to an agent in your area, fill out this quick form or go to this page to view a list of companies.

Specific coverages for a 1999 Oldsmobile Aurora

Understanding the coverages of your auto insurance policy aids in choosing the best coverages at the best deductibles and correct limits. The terms used in a policy can be difficult to understand and nobody wants to actually read their policy. Listed below are typical coverages offered by auto insurance companies.

Medical payments coverage and PIP – Personal Injury Protection (PIP) and medical payments coverage pay for bills like nursing services, hospital visits, dental work and X-ray expenses. The coverages can be used in conjunction with a health insurance plan or if there is no health insurance coverage. Coverage applies to you and your occupants and also covers getting struck while a pedestrian. PIP coverage is not available in all states and may carry a deductible

Comprehensive coverage – Comprehensive insurance covers damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims like hitting a deer, a broken windshield and theft. The maximum amount you’ll receive from a claim 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 will pay to fix damage to your Aurora resulting from a collision with another vehicle or an object, but not an animal. You first must pay a deductible then your collision coverage will kick in.

Collision coverage protects against claims like colliding with a tree, colliding with another moving vehicle and driving through your garage door. Collision is rather expensive coverage, so consider dropping it from vehicles that are older. You can also increase the deductible to bring the cost down.

Uninsured/Underinsured Motorist coverage – This protects you and your vehicle’s occupants from other drivers when they do not carry enough liability coverage. Covered claims include injuries to you and your family and damage to your Oldsmobile Aurora.

Due to the fact that many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is important protection for you and your family.

Liability coverages – Liability coverage can cover damage that occurs to people or other property. It protects you from legal claims by others, and doesn’t cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show liability limits of 50/100/50 that translate to $50,000 in coverage for each person’s injuries, $100,000 for the entire accident, and property damage coverage for $50,000.

Liability insurance covers things like attorney fees, medical expenses and loss of income. The amount of liability coverage you purchase is your choice, but it’s cheap coverage so purchase higher limits if possible.