1997 Oldsmobile Aurora Insurance Cost – 5 Tricks for Best Prices

Sick and tired of trying to scrape together enough money to pay your car insurance bill each month? You are no different than the majority of other car owners. You have so many auto insurance companies to purchase coverage from, and although it’s a good thing to have multiple companies, it can be more challenging to locate the cheapest rates.

Best discounts on 1997 Oldsmobile Aurora coverage

Companies do not list all their discounts in a way that’s easy to find, so the following is a list of both well-publicized and also the lesser-known discounts you could be receiving. If you aren’t receiving every discount you deserve, you are throwing money away.

  • Low Mileage Discounts – Driving fewer miles could qualify for discounted rates on garaged vehicles.
  • Payment Discounts – If paying your policy premium upfront rather than paying monthly you can actually save on your bill.
  • Passive Restraint Discount – Cars that have air bags or motorized seat belts may earn rate discounts of more than 20%.
  • No Charge for an Accident – Some insurance companies will allow you to have one accident without raising rates if your claims history is clear prior to the accident.
  • Student in College – Kids in college who attend school more than 100 miles from home and don’t have a car can receive lower rates.

It’s important to understand that some credits don’t apply to the entire policy premium. Most cut specific coverage prices like physical damage coverage or medical payments. Just because it seems like it’s possible to get free car insurance, companies don’t profit that way.

For a list of companies offering insurance coverage discounts, click this link.

Comprehensive Insurance Coverage Comparison

All major insurance coverage companies quote pricing online. The process is pretty easy as you simply enter your personal and coverage information into the quote form. Once you submit the form, their rating system collects your credit score and driving record and generates pricing information. Quoting online streamlines rate comparisons, but the process of having to visit multiple sites and type in the same information can be a bit tiresome and repetitive. But it is imperative to compare as many rates as possible in order to find a better rate.

The better way to compare rates

The easiest way to compare rates makes use of a single form to return rates from more than one company. It’s a real time-saver, eliminates repetitive work, and makes rate comparisons a lot less work. Immediately after submitting the form, your coverage is rated and you can select any one of the resulting price quotes. If one or more price quotes are lower than your current rates, it’s easy to complete the application and purchase coverage. The entire process takes 15 minutes at the most and you’ll know if lower rates are available.

To save time and find out what other companies charge, click here to open in a new tab and input your coverage information. If you have coverage now, it’s recommended you type in deductibles and limits as shown on your current policy. This helps ensure you’re receiving a rate comparison based on the exact same insurance coverage.

Tailor your coverage to you

When it comes to choosing coverage, there really is not a “perfect” insurance plan. Every insured’s situation is different and your policy should reflect that. Here are some questions about coverages that may help highlight if your insurance needs could use an agent’s help.

  • What is UM/UIM insurance?
  • Can my teen drive my company car?
  • Am I covered when driving in Canada or Mexico?
  • Does my insurance cover damage caused when ticketed for reckless driving?
  • Do I need motorclub coverage?
  • Can I afford to pay high deductible claims out of pocket?
  • Are rock chip repairs covered?
  • Should I rate my 1997 Oldsmobile Aurora as pleasure use or commute?
  • Am I covered when driving a rental car?

If you’re not sure about those questions but a few of them apply then you might want to talk to a licensed insurance agent. If you don’t have a local agent, simply complete this short form or you can go here for a list of companies in your area. It’s fast, free and can help protect your family.

Auto insurance coverage specifics

Learning about specific coverages of auto insurance helps when choosing appropriate coverage at the best deductibles and correct limits. The coverage terms in a policy can be difficult to understand and nobody wants to actually read their policy. Below you’ll find the usual coverages available from auto insurance companies.

Uninsured/Underinsured Motorist (UM/UIM)

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when other motorists either are underinsured or have no liability coverage at all. This coverage pays for medical payments for you and your occupants as well as your vehicle’s damage.

Since a lot of drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is very important.

Auto 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 and then insurance will cover the remainder.

Collision insurance covers things like colliding with another moving vehicle, damaging your car on a curb, scraping a guard rail, driving through your garage door and rolling your car. Collision is rather expensive coverage, so consider removing coverage from vehicles that are 8 years or older. You can also choose a higher deductible to save money on collision insurance.

Comprehensive insurance

This coverage will pay to fix damage that is not covered by collision coverage. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive insurance covers claims like rock chips in glass, theft and damage from getting keyed. The highest amount your auto insurance company will pay is the market value of your vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Liability auto insurance

Liability coverage will cover damage that occurs to people or other property by causing an accident. 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. As an example, you may have policy limits of 25/50/25 that translate to $25,000 bodily injury coverage, a total of $50,000 of bodily injury coverage per accident, and a limit of $25,000 paid for damaged property.

Liability coverage protects against things like repair costs for stationary objects, structural damage and pain and suffering. The amount of liability coverage you purchase is a personal decision, but it’s cheap coverage so purchase as much as you can afford.

Med pay and Personal Injury Protection (PIP)

Coverage for medical payments and/or PIP provide coverage for bills like dental work, funeral costs and pain medications. They can be used to fill the gap from your health insurance plan or if you do not have health coverage. They cover you and your occupants as well as getting struck while a pedestrian. PIP is only offered in select states and may carry a deductible

Save your cold hard cash

Budget-conscious 1997 Oldsmobile Aurora insurance can be purchased on the web in addition to many insurance agents, so compare prices from both so you have a total pricing picture. Some insurance companies do not provide online price quotes and usually these regional insurance providers provide coverage only through local independent agents.

When shopping online for car insurance, it’s very important that you do not buy less coverage just to save a little money. There are too many instances where an insured cut liability limits or collision coverage only to regret that a couple dollars of savings turned into a financial nightmare. Your goal should be to buy enough coverage at an affordable rate.

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