View 1996 Oldsmobile Aurora Insurance Cost

Shoppers have a choice when shopping for low-cost Oldsmobile Aurora insurance. You can either spend your time contacting agents to compare prices or use the internet to find the lowest rates. There is a right way and a wrong way to buy insurance coverage and we’ll show you the quickest way to price shop coverage for your Oldsmobile and find the lowest possible price.

It’s important to shop coverage around occasionally because insurance rates are usually higher with each renewal. Despite the fact that you may have had the best deal for Aurora coverage last year you can probably find a lower rate today. Forget all the misinformation about insurance coverage because you’re about to find out the quickest way to lower your rates without sacrificing coverage.

If you have a policy now or need a new policy, you can learn to cut your premiums while maximizing coverage. The purpose of this article is to tell you how car insurance quotes work and some tricks to saving. Drivers just need to learn how to get comparison rates online.

Where Can I Get Cheap Car Insurance?

Cutting your car insurance rates isn’t really that difficult. The only requirement is to take a couple of minutes to get quotes online with multiple companies. This is very easy and can be done using a couple different methods.

  1. The first (and easiest) way to get the best comparison quotes is an all-inclusive rate comparison click here to open form in new window. This method prevents you from having to do boring form submissions for each company you want a rate for. One form compares rates from many national carriers. It’s the fastest way to compare.
  2. A more difficult way to analyze rates requires visiting the website for each individual company and complete a new quote form. For examples sake, we’ll assume you want to compare Allstate, GEICO and Liberty Mutual. To get rate quotes you would need to spend time on each company’s site and enter your policy data, which is why most consumers use the first method.

    To view a list of companies in your area, click here.

Whichever method you choose, ensure you’re using the exact same coverage limits for every company. If each company quotes different values for each quote it will be impossible to decipher which rate is best.

The insurance bait and switch

Drivers can’t ignore all the ads for cheaper car insurance from the likes of Allstate, GEICO and Progressive. They all say the same thing of big savings if you switch your coverage to them.

How can each company say the same thing? This is how they do it.

All the different companies can use profiling for the type of driver they prefer to insure. An example of a driver they prefer might be between the ages of 30 and 50, has no driving citations, and drives less than 7,500 miles a year. A propective insured who meets those qualifications will get the preferred rates and is almost guaranteed to save a lot of money.

Potential customers who don’t qualify for this ideal profile will have to pay a more expensive rate and ends up with the customer not buying. Company advertisements say “customers who switch” not “people who quote” save that much. This is how insurance companies can make those claims. Because of the profiling, you need to get a wide range of price quotes. Because you never know which insurance companies will have the lowest Oldsmobile Aurora insurance rates.

Why your Oldsmobile Aurora insurance rates may be high

Smart consumers have a good feel for the different types of things that help determine the rates you pay for auto insurance. When you know what positively or negatively influences your rates enables informed choices that may reward you with better auto insurance rates.

The following are a few of the “ingredients” auto insurance companies consider when setting rates.

  • Never allow your policy to lapse – Allowing your coverage to lapse is a guaranteed way to pay more for auto insurance. Not only will you pay more, failure to provide proof of insurance can result in a steep fine or even jail time.
  • Lower deductibles cost more – Insurance for physical damage to your car, commonly called comprehensive (or other-than-collision) and collision coverage, protects your Oldsmobile from damage. A few examples of covered claims are running into the backend of another car, damage from fire, and rolling your vehicle. Your deductibles are the amount of money you are required to spend before your auto insurance pays a claim. The higher the amount you have to pay, the bigger discount you will receive for Aurora coverage.
  • A clean driving record saves money – Whether or not you get tickets impacts your car insurance rates tremendously. Only having one speeding ticket may increase your cost by twenty percent. Drivers with clean records get better rates than bad drivers. Drivers with serious tickets such as hit and run, DWI or reckless driving convictions are required to file a proof of financial responsibility form (SR-22) with the DMV in their state in order to continue driving.
  • Do you need the policy add-ons? – There are a ton of additional coverages you can purchase on your Aurora policy. Coverages for roadside assistance, better glass coverage and membership fees may be costing you every month. They may seem good when talking to your agent, but your needs may have changed so eliminate them to save money.
  • Pleasure use or commuting – The more you drive each year the higher your rate. The majority of insurers charge to insure your cars based upon how you use the vehicle. Cars not used for work or commuting can get a lower rate than those used for commuting. Ask your agent if your auto insurance policy shows the correct driver usage, because it can save money. If your policy improperly rates your Aurora can cost quite a bit.
  • High crash test scores lower rates – Vehicles with high crash test scores tend to have better insurance rates. Safe vehicles have better occupant injury protection and fewer injuries means less money paid by your insurance company passed on to you as lower rates. If your Oldsmobile is rated at least four stars on Safercar.gov or an “acceptable” rating on iihs.org you may qualify for a discount.
  • Your age impacts your rates – Teenage drivers tend to be more careless in a vehicle so they pay higher auto insurance rates. Mature drivers are viewed as being more responsible, tend to cause fewer accidents and tend to be better behind the wheel.
  • High numbers of claims are not good – Car insurance companies provide better rates to people who file claims infrequently. If you file claims often, you can expect either a policy non-renewal or much higher rates. Car insurance is intended to be relied upon for major claims that would cause financial hardship.

Discounts are basically free money

Companies don’t necessarily list all available discounts in a way that’s easy to find, so we break down some of the more common and the more hidden discounts you could be receiving. If you aren’t receiving every discount available, you are paying more than you should be.

  • No Charge for an Accident – Some insurance companies will forgive one accident without raising rates if you are claim-free for a set time period.
  • Federal Government Employee – Simply working for the federal government may qualify you for a discount for Aurora coverage depending on your company.
  • Claim Free – Drivers with accident-free driving histories pay less compared to drivers who are more careless.
  • Discount for Good Grades – Performing well in school can earn a discount of 20% or more. Earning this discount can benefit you well after school through age 25.
  • Lower Rates for Military – Having a deployed family member may qualify for rate reductions.

Consumers should know that most discount credits are not given to the entire cost. Most only apply to specific coverage prices like liability and collision coverage. So when the math indicates all the discounts add up to a free policy, it just doesn’t work that way.

For a list of insurance companies with the best insurance coverage discounts, click here.

Which insurance is the “right” coverage?

When buying proper insurance coverage for your vehicles, there really is no perfect coverage plan. Each situation is unique.

These are some specific questions can help discover whether your personal situation might need professional guidance.

  • Am I getting all the discounts available?
  • Does medical payments coverage apply to all occupants?
  • Am I covered if hit by an uninsured driver?
  • Does my insurance cover a custom paint job?
  • Can my teen drive my company car?
  • Who is covered when they drive my 1996 Oldsmobile Aurora?
  • When would I need additional glass coverage?
  • Should I sign the liability waiver when renting a car?
  • Does my 1996 Oldsmobile Aurora qualify for pleasure use?

If you’re not sure about those questions but a few of them apply, then you may want to think about talking to an insurance agent. If you want to speak to an agent in your area, simply complete this short form. It’s fast, doesn’t cost anything and may give you better protection.

Auto insurance coverage information

Understanding the coverages of insurance helps when choosing which coverages you need and proper limits and deductibles. The coverage terms in a policy can be confusing and even agents have difficulty translating policy wording.

Collision protection

Collision coverage covers damage to your Aurora resulting from colliding with an object or car. You have to pay a deductible then your collision coverage will kick in.

Collision can pay for claims like colliding with another moving vehicle, scraping a guard rail and hitting a mailbox. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from older vehicles. It’s also possible to raise the deductible in order to get cheaper collision rates.

Liability car insurance

This will cover damage or injury you incur to people or other property by causing an accident. It protects YOU from claims by other people, and does not provide coverage for your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see liability limits of 25/50/25 that translate to a $25,000 limit per person for injuries, a total of $50,000 of bodily injury coverage per accident, and a total limit of $25,000 for damage to vehicles and property.

Liability coverage pays for claims like emergency aid, structural damage, repair bills for other people’s vehicles and attorney fees. How much liability coverage do you need? That is a personal decision, but consider buying higher limits if possible.

Comprehensive protection

Comprehensive insurance pays for damage OTHER than collision with another vehicle or object. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims such as hitting a bird, damage from a tornado or hurricane and fire damage. The most a insurance company will pay at claim time is the actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Medical expense coverage

Med pay and PIP coverage pay for immediate expenses like nursing services, surgery, doctor visits, pain medications and dental work. They are used to fill the gap from your health insurance policy or if there is no health insurance coverage. They cover not only the driver but also the vehicle occupants and also covers if you are hit as a while walking down the street. Personal Injury Protection is not universally available but it provides additional coverages not offered by medical payments coverage

Uninsured or underinsured coverage

Your UM/UIM coverage protects you and your vehicle’s occupants from other drivers when they either have no liability insurance or not enough. It can pay for medical payments for you and your occupants and also any damage incurred to your 1996 Oldsmobile Aurora.

Since many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. So UM/UIM coverage should not be overlooked.

A tidy conclusion

When buying insurance coverage, make sure you don’t skimp on coverage in order to save money. There have been many cases where an insured cut comprehensive coverage or liability limits and discovered at claim time they didn’t have enough coverage. The aim is to buy the best coverage you can find at the best price, not the least amount of coverage.

Cost effective 1996 Oldsmobile Aurora insurance is possible both online and also from your neighborhood agents, and you need to comparison shop both to have the best chance of lowering rates. Some auto insurance companies may not provide the ability to get a quote online and many times these smaller companies only sell through independent insurance agents.

We just presented a lot of tips how to compare insurance prices online. The most important thing to understand is the more you quote, the better your comparison will be. Drivers may discover the lowest priced auto insurance comes from an unexpected company.

More detailed auto insurance information can be found in the articles below: