Trying to find better insurance prices for an Oldsmobile Intrigue can be an all-consuming task, but you can learn our car insurance buying tips to save time. There are both good and bad ways to shop for car insurance and you need to know the absolute fastest way to get price quotes for your Oldsmobile and obtain the best price possible either online or from local insurance agents.
Consumers need to take a look at other company’s rates at least once a year since rates are rarely the same from one policy term to another. Despite the fact that you may have had the lowest price for Intrigue coverage on your last policy other companies may now be cheaper. Ignore everything you know about car insurance because you’re about to learn the quickest way to find the best coverage while lowering your premiums.
If you have a current car insurance policy or need new coverage, you will benefit by learning to find better prices and still get good coverage. Locating the lowest cost coverage is not that difficult. Vehicle owners only need to know how to compare price quotes online.
The quickest method we recommend to compare rates is to understand most larger insurance companies participate in a system to provide you with a free rate quote. All consumers are required to do is give the companies some data like whether you are single or married, if the car is leased, if you went to college, and the year, make and model of vehicles. Your details gets transmitted to many different companies and they return quotes instantly.
To get price quotes for your 2001 Oldsmobile Intrigue, click here and complete the form.
Companies don’t necessarily list all available discounts in a way that’s easy to find, so we took the time to find some of the best known and the harder-to-find ways to save on insurance. If you aren’t receiving every discount available, you are throwing money away.
As a disclaimer on discounts, some of the credits will not apply the the whole policy. A few only apply to specific coverage prices like liability, collision or medical payments. So when the math indicates you can get free auto insurance, insurance companies aren’t that generous.
Insurance companies who might offer these money-saving discounts may include but are not limited to:
It’s a good idea to ask every prospective company which discounts they offer. All car insurance discounts might not be offered everywhere.
When choosing coverage for your vehicles, there really is no cookie cutter policy. Every insured’s situation is different.
These are some specific questions can aid in determining if you might need an agent’s assistance.
If it’s difficult to answer those questions but one or more may apply to you, then you may want to think about talking to an agent. To find lower rates from a local agent, complete this form. It’s fast, doesn’t cost anything and you can get the answers you need.
Knowing the specifics of a insurance policy aids in choosing the right coverages for your vehicles. Policy terminology can be confusing and coverage can change by endorsement.
Liability insurance provides protection from damages or injuries you inflict on other’s property or people in an accident. It protects you from claims by other people. Liability doesn’t cover damage sustained by your vehicle in an accident.
It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see limits of 25/50/25 that means you have a limit of $25,000 per injured person, a limit of $50,000 in injury protection per accident, and property damage coverage for $25,000.
Liability coverage pays for things such as pain and suffering, repair costs for stationary objects and legal defense fees. The amount of liability coverage you purchase is up to you, but buy as large an amount as possible.
This coverage provides protection when the “other guys” do not carry enough liability coverage. It can pay for injuries sustained by your vehicle’s occupants as well as damage to your Oldsmobile Intrigue.
Because many people carry very low liability coverage limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages should not be overlooked.
This pays to fix your vehicle from damage from a wide range of events other than collision. You first must pay your deductible then your comprehensive coverage will pay.
Comprehensive coverage protects against things such as hitting a deer, vandalism, rock chips in glass, a broken windshield and theft. The maximum payout a insurance company will pay at claim time is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.
Med pay and PIP coverage reimburse you for short-term medical expenses for things like EMT expenses, nursing services and rehabilitation expenses. They are used in conjunction with a health insurance plan or if you lack health insurance entirely. Medical payments and PIP cover all vehicle occupants in addition to if you are hit as a while walking down the street. Personal injury protection coverage is not available in all states but it provides additional coverages not offered by medical payments coverage
Collision coverage pays for damage to your Intrigue resulting from colliding with another car or object. A deductible applies and the rest of the damage will be paid by collision coverage.
Collision coverage protects against claims such as crashing into a ditch, colliding with a tree and rolling your car. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are 8 years or older. Drivers also have the option to increase the deductible to get cheaper collision coverage.