Lower Your 2004 Oldsmobile Bravada Insurance Rates

Tired of being strong-armed to buy car insurance? You are no different than most other car owners.

Companies like GEICO, 21st Century and Progressive all claim big savings with ads and it is difficult to see past the corporate glitz and find the best price available.

Compare the Market for Car Insurance

To find the best car insurance prices, there are several ways of comparing rates from local car insurance companies. One of the best ways to find the lowest 2004 Oldsmobile Bravada rates consists of shopping online. It is quite easy and can be accomplished using a couple different methods.

The most efficient way to get quotes for comparison is to use a rate comparison form click here to open form in new window. This form prevents you from having to do a different quote for every car insurance company. One form will get you rate comparisons from many national carriers.

A different way to analyze rates is spending the time to visit each individual company website and request a quote. For examples sake, let’s say you want rates from Progressive, 21st Century and Liberty Mutual. To find out each rate you need to take the time to go to each site to input your insurance information, which is why most consumers use the first method. To view a list of companies in your area, click here.

The hardest way of getting rate comparisons is driving to different agent offices. The internet eliminates the need for an insurance agent unless you require the trained guidance of a local agent. Drivers can find lower rates online and get advice from an agent in your area. We’ll cover that shortly.

It doesn’t matter which method you choose, just ensure you are comparing apples-to-apples deductibles and coverage limits for each comparison quote. If you enter different liability limits you can’t possibly find the best deal for your Oldsmobile Bravada. Just a small difference in coverage limits could mean much higher rates. Just remember that comparing more company’s prices helps you find better pricing.

Is there truth in advertising?

Companies like State Farm and Allstate consistently run ads on TV and radio. All the ads make an identical promise that you’ll save big if you change to their company. How do they all make almost identical claims?

All companies have a preferred profile for the driver that earns them a profit. For instance, a driver they prefer might be between the ages of 30 and 50, has no tickets, and has excellent credit. A customer who fits that profile is entitled to the best price and is almost guaranteed to cut their rates substantially.

Potential customers who are not a match for these standards will have to pay higher rates and this can result in the customer not buying. The ad wording is “customers that switch” not “people who quote” save that much money. This is how companies can truthfully advertise the way they do.

Because of the profiling, you need to compare as many rates as you can. It’s impossible to know which insurance coverage company will give you the biggest savings on Oldsmobile Bravada insurance.

Be sure to get all your discounts

Car insurance can cost a lot, but there could be available discounts that you may not even be aware of. A few discounts will automatically apply at the time you complete a quote, but a few must be specially asked for before they will apply.

  • Air Bag Discount – Cars that have air bags can receive discounts up to 30%.
  • Multi-policy Discount – If you have multiple policies with one insurance company you may earn at least 10% off all policies.
  • Memberships – Being a member of a civic or occupational organization could trigger savings on your policy for Bravada coverage.
  • No Accidents – Drivers with accident-free driving histories can earn big discounts as compared to bad drivers.
  • Safe Driver Discount – Insureds without accidents can pay as much as 50% less for Bravada coverage than less cautious drivers.
  • Distant Student – Youth drivers who live away from home and do not have a car may qualify for this discount.
  • Good Student – A discount for being a good student can be rewarded with saving of up to 25%. This discount can apply up to age 25.

Consumers should know that some of the credits will not apply to the entire policy premium. A few only apply to the cost of specific coverages such as physical damage coverage or medical payments. So when the math indicates all the discounts add up to a free policy, it doesn’t quite work that way. Any amount of discount will bring down the cost of coverage.

Car insurance companies that possibly offer some of the above discounts are:

Check with each company how you can save money. Some discounts might not be offered in your state.

How do I know if I need professional advice?

When it comes to buying the right insurance coverage, there isn’t really a perfect coverage plan. Everyone’s situation is unique and a cookie cutter policy won’t apply. For instance, these questions might point out whether or not you will benefit from professional help.

  • What if I don’t agree with a claim settlement offer?
  • Will my rates increase for filing one claim?
  • How much underlying liability do I need for an umbrella policy?
  • Do I need motorclub coverage?
  • Can I drive in Mexico and have coverage?
  • How can I find cheaper teen driver insurance?
  • Am I covered if I hit a deer?
  • What is no-fault insurance?

If you don’t know the answers to these questions but you think they might apply to your situation, then you may want to think about talking to an agent. To find an agent in your area, fill out this quick form or click here for a list of auto insurance companies in your area.

Specific coverages for an Oldsmobile Bravada

Having a good grasp of car insurance can be of help when determining appropriate coverage and proper limits and deductibles. The terms used in a policy can be confusing and reading a policy is terribly boring. Listed below are typical coverage types found on the average car insurance policy.

Comprehensive coverage

Comprehensive insurance pays for damage that is not covered by collision coverage. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage protects against things such as damage from flooding, a broken windshield and hitting a bird. The highest amount a car 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.

Uninsured/Underinsured Motorist coverage

This coverage protects you and your vehicle from other motorists when they do not carry enough liability coverage. Covered claims include hospital bills for your injuries as well as damage to your 2004 Oldsmobile Bravada.

Due to the fact that many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is a good idea. Normally your uninsured/underinsured motorist coverages are set the same as your liablity limits.

Coverage for collisions

Collision insurance covers damage to your Bravada caused by collision with an object or car. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers things such as colliding with a tree, rolling your car, sideswiping another vehicle and crashing into a ditch. This coverage can be expensive, so consider removing coverage from vehicles that are older. You can also choose a higher deductible to save money on collision insurance.

Auto liability insurance

Liability insurance provides protection from damage or injury you incur to other people or property in an accident. It protects you against other people’s claims, and does not provide coverage for your injuries or vehicle damage.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see limits of 25/50/25 which stand for a $25,000 limit per person for injuries, a limit of $50,000 in injury protection per accident, and property damage coverage for $25,000. Alternatively, you may have a combined single limit or CSL that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability coverage pays for claims like medical expenses, legal defense fees, loss of income and court costs. The amount of liability coverage you purchase is your choice, but consider buying higher limits if possible.

Medical payments coverage and PIP

Coverage for medical payments and/or PIP provide coverage for immediate expenses for things like X-ray expenses, dental work, chiropractic care, funeral costs and hospital visits. They are used in conjunction with a health insurance plan or if there is no health insurance coverage. Medical payments and PIP cover all vehicle occupants as well as getting struck while a pedestrian. PIP is not universally available but it provides additional coverages not offered by medical payments coverage

Buy Smart and Save

You just learned quite a bit of information on how to lower your 2004 Oldsmobile Bravada insurance rates. The key concept to understand is the more price quotes you have, the higher the chance of saving money. You may even find the most savings is with some of the lesser-known companies. These smaller insurers may often insure only within specific states and give getter rates than their larger competitors like State Farm, GEICO and Nationwide.

As you restructure your insurance plan, do not buy less coverage just to save a little money. In many cases, an insured dropped liability coverage limits only to regret that they should have had better coverage. The aim is to find the BEST coverage at a price you can afford while not skimping on critical coverages.

Lower-priced insurance is definitely available online and with local insurance agents, and you should be comparing both to have the best rate selection. A few companies do not offer you the ability to get quotes online and many times these smaller companies only sell through independent insurance agents.

Much more information about car insurance is available at these links: