1998 Oldsmobile Aurora Car Insurance Cost

Want better auto insurance rates for your Oldsmobile Aurora? High-priced auto insurance can overdraw your funds and maybe even restrict other spending. Performing a price comparison is a fast and free way to make sure you’re not throwing money away.

Many car insurance companies vie for your insurance dollar, and it can be difficult to compare rates and uncover the absolute lowest cost out there.

If you have car insurance now, you will most likely be able to save some money using these methods. Finding the best rates is not rocket science. But vehicle owners do need to understand the way insurance companies price online insurance because it can help you find the best coverage.

Discounts for lower-cost auto insurance rates

Companies that sell car insurance do not advertise all available discounts in an easy-to-find place, so the below list has both well-publicized as well as the least known credits that may apply to you.

• Telematics Devices – Drivers who agree to allow their auto insurance company to track driving habits remotely like In-Drive from State Farm and Progressive’s Snapshot might see lower rates if they have good driving habits.
• Air Bag Discount – Vehicles equipped with air bags or automatic seat belts may qualify for discounts of 20 to 30 percent.
• Multi-car Discount – Buying a policy with multiple vehicles on one policy may reduce the rate for each vehicle.
• ABS Brakes – Cars, trucks, and SUVs with anti-lock braking systems are safer to drive and will save you 10% or more.
• Federal Government Employee – Active or retired federal employment can save as much as 8% for Aurora coverage but check with your company.

Drivers should understand that some credits don’t apply the the whole policy. Some only reduce individual premiums such as liability and collision coverage. Even though it appears all those discounts means the company will pay you, auto insurance companies aren’t that generous.

If you would like to view insurance companies that offer many of these discounts, follow this link.

You may need specialized insurance coverage

When buying proper insurance coverage, there really is no perfect coverage plan. Everyone’s needs are different and a cookie cutter policy won’t apply. Here are some questions about coverages that might point out if your situation might need professional guidance.

• Should I have a commercial auto policy?
• Am I covered if my car is in a flood?
• Can I make deliveries for my home business?
• How high should deductibles be on a 1998 Oldsmobile Aurora?
• Are my tools covered if they get stolen from my vehicle?
• Can I still get insurance after a DUI?
• How high should my uninsured/underinsured coverage be in my state?

If you don’t know the answers to these questions but a few of them apply, you may need to chat with a licensed agent. To find lower rates from a local agent, complete this form or you can also visit this page to select a carrier

Insurance coverage specifics

Understanding the coverages of insurance can help you determine appropriate coverage at the best deductibles and correct limits. Insurance terms can be confusing and reading a policy is terribly boring. Below you’ll find typical coverage types found on most insurance policies.

Uninsured or underinsured coverage

Your UM/UIM coverage gives you protection from other motorists when they are uninsured or don’t have enough coverage. Covered claims include injuries sustained by your vehicle’s occupants as well as damage to your 1998 Oldsmobile Aurora.

Since a lot of drivers have only the minimum liability required by law, their limits can quickly be used up. So UM/UIM coverage is a good idea. Most of the time the UM/UIM limits are similar to your liability insurance amounts.

Liability

Liability coverage will cover damage that occurs to other people or property in an accident. It protects YOU from claims by other people. It does not cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see values of 50/100/50 which means $50,000 bodily injury coverage, a per accident bodily injury limit of $100,000, and property damage coverage for $50,000. Some companies may use a combined single limit or CSL which provides one coverage limit and claims can be made without the split limit restrictions.

Liability insurance covers claims such as legal defense fees, emergency aid, medical services, court costs and repair costs for stationary objects. How much liability coverage do you need? That is up to you, but consider buying as large an amount as possible.

Medical expense coverage

Med pay and PIP coverage pay for immediate expenses for nursing services, funeral costs, prosthetic devices and EMT expenses. They are often used to fill the gap from your health insurance policy or if there is no health insurance coverage. Coverage applies to you and your occupants in addition to getting struck while a pedestrian. Personal injury protection coverage is only offered in select states but can be used in place of medical payments coverage

Coverage for collisions

Collision coverage covers damage to your Aurora caused by collision with a stationary object or other vehicle. You have to pay a deductible and then insurance will cover the remainder.

Collision insurance covers claims like crashing into a building, backing into a parked car, rolling your car, colliding with a tree and hitting a mailbox. This coverage can be expensive, so consider removing coverage from vehicles that are older. You can also raise the deductible to save money on collision insurance.

Comprehensive protection

Comprehensive insurance will pay to fix damage from a wide range of events other than collision. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers things like damage from flooding, a broken windshield and vandalism. The maximum amount you’ll receive from a claim is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

More quotes mean more savings

Throughout this article, we presented a lot of information how to get a better price on 1998 Oldsmobile Aurora insurance. The most important thing to understand is the more quotes you get, the higher the chance of saving money. Consumers could even find that the biggest savings come from a small mutual company. These smaller insurers may often insure only within specific states and give getter rates than their larger competitors like State Farm and Allstate.

When trying to cut insurance costs, never buy less coverage just to save a little money. Too many times, an insured cut comprehensive coverage or liability limits to discover at claim time that the small savings ended up costing them much more. Your objective should be to purchase plenty of coverage at the best price while still protecting your assets.

Much more information about insurance coverage is available below:

• Think You’re a Safe Driver? (State Farm)
• Understanding Car Crashes Video (iihs.org)
• Parking Tips to Reduce Door Dings (State Farm)
• How Much Auto Coverage do I Need? (Insurance Information Insitute)