1997 Oldsmobile Bravada Insurance Cost – 7 Ideas for Best Prices

Want lower insurance coverage rates for your Oldsmobile Bravada? Trying to find low-cost insurance for an Oldsmobile Bravada can normally be a painful process, but you can use a few tricks to save time. There is a better way to find insurance coverage online and you need to know the proper way to compare rates for a new or used Oldsmobile and get the lowest price from local insurance agents and online providers.

Smart consumers take time to compare prices once or twice a year because insurance rates are usually higher with each renewal. Even if you got the lowest rates for Bravada coverage a few years ago you will most likely find a better rate today. Block out anything you think you know about insurance coverage because I’m going to let you in on the secrets to one of the quickest ways to lower your rates without sacrificing coverage.

Comprehensive Insurance Comparison Quotes

Most major insurance companies like Allstate and Progressive provide prices on their websites. The process doesn’t take much effort as you just type in the amount of coverage you want as detailed in the form. Once you submit the form, the system requests information on your driving record and credit history and returns a price based on many factors.

Online quotes streamlines rate comparisons, but having to visit different websites and complete many quote forms can be a bit repetitive. But it is imperative to compare as many rates as possible if you are searching for the lowest possible prices on insurance.

There is a better way to compare rates

An easier way to lower your insurance bill uses one form that gets prices from more than one company. It’s a real time-saver, eliminates repetitive work, and makes quoting online much more enjoyable and efficient. As soon as you send your information, it is quoted and you can select your choice of the quote results. If a lower price is quoted, you can simply submit the application and buy the policy. The entire process just takes a couple of minutes and may result in a nice savings.

To save time and find out what other companies charge, click here to open in new window and begin entering your coverage information. If you have coverage now, it’s recommended you copy the insurance coverages exactly as they are listed on your policy. Using the same limits helps guarantee you’re receiving comparison quotes using the exact same coverages.

Take these seven discounts and save

Companies that sell car insurance don’t always list all available discounts very clearly, so we took the time to find both the well known and the more hidden auto insurance savings. If you’re not getting every credit you qualify for, you’re paying more than you need to.

  • Low Mileage Discounts – Keeping the miles down on your Oldsmobile can earn better rates on cars that stay parked.
  • Lower Rates for Military – Being deployed with a military unit could be rewarded with lower premiums.
  • Pay Upfront and Save – If you pay your entire premium ahead of time instead of monthly or quarterly installments you could save 5% or more.
  • Theft Prevention Discount – Vehicles with anti-theft systems are stolen less frequently and earn discounts up to 10%.
  • Discounts for Safe Drivers – Insureds without accidents may receive a discount up to 45% less for Bravada coverage than drivers with accident claims.
  • No Accidents – Good drivers with no accidents can save substantially when compared with accident-prone drivers.
  • Defensive Driving Course – Taking a defensive driving course can save you 5% or more if your company offers it.

It’s important to understand that some of the credits will not apply to your bottom line cost. Most only apply to individual premiums such as comprehensive or collision. So despite the fact that it appears you would end up receiving a 100% discount, it just doesn’t work that way.

A partial list of companies that may have some of the above discounts include:

Double check with each insurance company what discounts are available to you. Some discounts might not be offered in your area.

Which policy gives me the best coverage?

When buying the right insurance coverage for your vehicles, there is no cookie cutter policy. Every insured’s situation is different.

These are some specific questions could help you determine if your insurance needs could use an agent’s help.

  • Does my policy cover my teen driver if they drive my company car?
  • Is my business laptop covered if it gets stolen from my vehicle?
  • Should I get collision insurance on every vehicle?
  • Am I insured when driving a different vehicle?
  • Do I have newly-aquired coverage?
  • Can my teen driver be rated on a liability-only vehicle?
  • Can I afford low physical damage deductibles?
  • At what point should I drop full coverage?
  • Do I really need UM/UIM coverage?

If you can’t answer these questions but a few of them apply then you might want to talk to a licensed agent. To find lower rates from a local agent, simply complete this short form. It only takes a few minutes and can provide invaluable advice.

Insurance specifics

Knowing the specifics of your policy helps when choosing the best coverages and proper limits and deductibles. Insurance terms can be ambiguous and coverage can change by endorsement.

Medical expense coverage

Medical payments and Personal Injury Protection insurance pay for immediate expenses for things like doctor visits, hospital visits and X-ray expenses. They can be utilized in addition to your health insurance program or if you are not covered by health insurance. Medical payments and PIP cover you and your occupants and also covers any family member struck as a pedestrian. Personal Injury Protection is not universally available and may carry a deductible

Auto liability insurance

This coverage provides protection from damages or injuries you inflict on other’s property or people in an accident. It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see values of 50/100/50 that means you have $50,000 in coverage for each person’s injuries, a limit of $100,000 in injury protection per accident, and $50,000 of coverage for damaged propery.

Liability coverage pays for things such as medical expenses, funeral expenses and court costs. How much liability coverage do you need? That is up to you, but consider buying as high a limit as you can afford.

Comprehensive protection

This pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims such as theft, a tree branch falling on your vehicle, damage from a tornado or hurricane and rock chips in glass. The most you’ll receive from a claim is the cash value of the vehicle, so if the vehicle is not worth much consider dropping full coverage.

Uninsured or underinsured coverage

This protects you and your vehicle from other motorists when they either are underinsured or have no liability coverage at all. Covered claims include hospital bills for your injuries as well as your vehicle’s damage.

Since a lot of drivers have only the minimum liability required by law, their limits can quickly be used up. This is the reason having UM/UIM coverage should not be overlooked.

Collision insurance

This coverage pays for damage to your Bravada caused by collision with another car or object. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims such as scraping a guard rail, damaging your car on a curb, hitting a mailbox, colliding with a tree and driving through your garage door. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Another option is to choose a higher deductible in order to get cheaper collision rates.