1993 Oldsmobile Bravada Car Insurance Rates – 9 Policy Discounts

Trying to find better auto insurance rates for your Oldsmobile Bravada? Paying for high-priced Oldsmobile Bravada insurance can empty your savings account, especially in this economy. Comparing price quotes is a great way to reduce premiums and put more money in your pocket. Drivers have so many car insurance companies to buy insurance from, and even though it’s nice to have a choice, it makes it harder to find the lowest cost provider.

The purpose of this post is to introduce you to the best way to quote coverages and some tips to save money. If you have car insurance now, you will most likely be able to save some money using these methods. Drivers only need an understanding of the best way to get comparison rates on the web.

Where Can I Get Cheap Car Insurance?

There are a variety of methods to shop for 1993 Oldsmobile Bravada car insurance, but some are more efficient than others. You can waste a lot of time talking about coverages with insurance agencies in your area, or you can stay home and use the internet to quickly compare rates.

Many popular insurance companies participate in a marketplace that allows shoppers to send in one quote, and at least one company then gives them pricing based on that information. This system prevents you from having to do repetitive form submissions for every car insurance company.

To use this form to compare 1993 Oldsmobile Bravada insurance rates click to open in new window.

The one downside to comparing rates this way is you are unable to specify the insurers you want pricing from. So if you want to select specific providers to compare prices, we have a listing of the cheapest car insurance companies in your area. Click here for list of insurance companies.

It’s up to you which method you use, but compare identical coverage limits and deductibles on every quote. If you use higher or lower deductibles you can’t possibly determine the lowest rate for your Oldsmobile Bravada.

Lots of discounts mean lots of savings

The cost of insuring your cars can be expensive, but companies offer discounts that you may not know about. Certain discounts will be triggered automatically when you purchase, but some may not be applied and must be manually applied before you will receive the discount. If you don’t get every credit available, you are throwing money away.

  • Club Memberships – Being a member of certain professional organizations is a good way to get lower rates on your policy for Bravada coverage.
  • Multi-policy Discount – When you combine your home and auto insurance with the same insurance company you may earn up to 20% off your total premium.
  • Driver’s Ed – Have your child enroll in driver’s education if offered at their school.
  • Payment Method – If you pay your entire premium ahead of time rather than paying monthly you may reduce your total bill.
  • Discount for New Cars – Buying coverage on a new vehicle is cheaper since new cars are generally safer.
  • Senior Discount – Older drivers may qualify for a small decrease in premiums for Bravada coverage.
  • Anti-lock Brake Discount – Vehicles equipped with ABS or steering control can reduce accidents and will save you 10% or more.
  • Resident Student – Children living away from home attending college and don’t have a car can be insured at a reduced rate.
  • No Claims – Drivers who don’t have accidents pay less when compared to drivers who are more careless.

As a disclaimer on discounts, most discount credits are not given to the overall cost of the policy. The majority will only reduce the cost of specific coverages such as liability, collision or medical payments. So despite the fact that it appears having all the discounts means you get insurance for free, companies don’t profit that way. Any qualifying discounts will help reduce your premiums.

For a list of providers with the best car insurance discounts, click this link.

Situations that might require an agent

When buying adequate coverage for your personal vehicles, there isn’t really a perfect coverage plan. Every situation is different and a cookie cutter policy won’t apply. For example, these questions could help you determine whether your personal situation will benefit from professional help.

  • Does having multiple vehicles earn me a discount?
  • Does my medical payments coverage pay my health insurance deductible?
  • Will my vehicle be repaired with OEM or aftermarket parts?
  • Should I buy full coverage?
  • How many claims can I have before being cancelled?
  • Is my babysitter covered when using my vehicle?
  • Is a fancy paint job covered?
  • What happens if I owe more than my 1993 Oldsmobile Bravada is worth?
  • Am I missing any policy discounts?

If you’re not sure about those questions, then you may want to think about talking to an insurance agent. To find lower rates from a local agent, take a second and complete this form or go to this page to view a list of companies. It’s fast, free and can help protect your family.

Insurance specifics

Understanding the coverages of insurance helps when choosing the right coverages for your vehicles. Policy terminology can be impossible to understand and even agents have difficulty translating policy wording. Listed below are the normal coverages offered by insurance companies.

Comprehensive coverage – This coverage pays to fix your vehicle from damage that is not covered by collision coverage. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive insurance covers things such as rock chips in glass, a tree branch falling on your vehicle, vandalism and hitting a deer. The most a insurance company will pay at claim time is the actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Liability – Liability insurance can cover damage or injury you incur to other people or property that is your fault. It protects YOU from legal claims by others, and does not provide coverage for your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show limits of 25/50/25 which means a $25,000 limit per person for injuries, a per accident bodily injury limit of $50,000, and property damage coverage for $25,000. Some companies may use a combined limit that pays claims from the same limit without having the split limit caps.

Liability coverage pays for claims like medical expenses, pain and suffering and repair costs for stationary objects. How much liability coverage do you need? That is your choice, but you should buy higher limits if possible.

Collision – Collision coverage pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for claims such as hitting a parking meter, hitting a mailbox, crashing into a ditch and scraping a guard rail. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are 8 years or older. It’s also possible to choose a higher deductible to save money on collision insurance.

Uninsured/Underinsured Motorist coverage – Your UM/UIM coverage gives you protection when the “other guys” do not carry enough liability coverage. Covered losses include injuries sustained by your vehicle’s occupants as well as damage to your 1993 Oldsmobile Bravada.

Due to the fact that many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is a good idea. Most of the time these coverages are set the same as your liablity limits.

Medical payments coverage and PIP – Personal Injury Protection (PIP) and medical payments coverage reimburse you for expenses such as hospital visits, chiropractic care, ambulance fees, funeral costs and surgery. They can be used in conjunction with a health insurance plan or if there is no health insurance coverage. It covers you and your occupants and will also cover being hit by a car walking across the street. Personal injury protection coverage is not an option in every state and may carry a deductible