Compare 1996 Oldsmobile Aurora Car Insurance Quotes

Having to pay for pricey Oldsmobile Aurora insurance can dwindle your funds, especially in this economy. Getting a rate comparison can save money and help to slash your bill and have more diposable income.

Due to the abundance of choices of insurance companies, it’s difficult to pick a more affordable company.

How to buy car insurance online

Finding more affordable car insurance prices is an easy way to save money. All you need to do is take time comparing rates online from several insurance companies. Comparing prices online can be done using a couple different methods.

  1. One of the simplest ways to find low rates is a comparison rater form click to view form in new window. This quick form eliminates the need for separate quote forms for every prospective company. Completing one form gets you coverage quotes from multiple companies.
  2. A harder way to obtain and compare quotes online requires a trip to the website of each company to request a price quote. For instance, we’ll assume you want comparison quotes from Liberty Mutual, Safeco and Farmers. In order to compare rates, you need to go to each individual site and repeatedly enter your information, which is not fast way to get rate quotes. To view a list of companies in your area, click here.
  3. The least efficient and most time consuming method to comparison shop rate quotes is driving around to local insurance agencies. Quoting online has reduced the need for local agents unless you prefer the trained guidance that you can only get from talking to an agent. It is possible to comparison shop online and get advice from an agent in your area.

It’s your choice how you get your quotes, but be sure to compare apples-to-apples coverages and limits for each price quote. If you are comparing unequal deductibles or liability limits you will not be able to decipher which rate is best.

Get lower rates with these car insurance discounts

Companies offering auto insurance don’t always publicize every disount available very well, so here is a list both the well known and the more hidden car insurance savings.

  • Senior Citizen Rates – Older drivers could receive a small discount on rates on Aurora coverage.
  • Pay Now and Pay Less – If you pay your entire premium ahead of time instead of paying each month you could save 5% or more.
  • ABS Brakes – Cars, trucks, and SUVs equipped with ABS or steering control prevent accidents and qualify for as much as a 10% discount.
  • Policy Bundle Discount – If you can bundle your homeowners and auto insurance with one insurance company you may earn approximately 10% to 15%.
  • Drive Safe and Save – Drivers without accidents may receive a discount up to 45% on Aurora coverage than less cautious drivers.
  • One Accident Forgiven – Not necessarily a discount, but a handful of insurance companies permit an accident before your rates go up with the catch being you have to be claim-free prior to the accident.
  • Anti-theft Discount – Cars, trucks, and SUVs equipped with tracking devices and advanced anti-theft systems can help prevent theft and can earn a small discount on your policy.

Don’t be surprised that some credits don’t apply to all coverage premiums. Most only apply to specific coverage prices like physical damage coverage or medical payments. So even though they make it sound like it’s possible to get free car insurance, it’s just not the way it works.

A list of companies and some of the premium reductions they offer can be found below.

  • GEICO includes discounts for multi-policy, military active duty, federal employee, five-year accident-free, emergency military deployment, and air bags.
  • Mercury Insurance may have discounts that include anti-theft, good student, ease of repair, location of vehicle, multi-car, multi-policy, and good driver.
  • Farmers Insurance may offer discounts for teen driver, pay in full, early shopping, good student, and homeowner.
  • Auto-Owners Insurance may include discounts for paid in full, company car, mature driver, anti-theft, and student away at school.
  • Liberty Mutual has discounts for preferred payment discount, newly married, new graduate, exclusive group savings, multi-car, new move discount, and multi-policy.
  • SAFECO discounts include bundle discounts, anti-lock brakes, teen safety rewards, homeowner, safe driver, teen safe driver, and accident prevention training.
  • Progressive offers discounts for online signing, homeowner, good student, multi-vehicle, and continuous coverage.
  • USAA offers premium reductions for multi-policy, annual mileage, family discount, driver training, and safe driver.

When comparing rates, check with every insurance company which credits you are entitled to. Savings may not be available in your area.

Insurance premium influencing factors

Lots of things are taken into consideration when you get a price on insurance. Most are fairly basic such as traffic violations, but others are more transparent such as your marital status or your financial responsibility.Smart consumers have a good feel for the factors that are used to determine insurance coverage rates. When you know what positively or negatively determines base rates, this empowers consumers to make smart changes that can help you get big savings.

The factors shown below are some of the most common factors utilized by car insurance companies to help set prices.

  • City dwellers may pay more – Having an address in a rural area has definite advantages when insuring your vehicles. Fewer drivers on the road means a lower chance of having an accident and also fewer theft and vandalism claims. People who live in big cities tend to have traffic congestion and much longer commute distances. The longer drive time means a statistically higher chance of an accident.
  • Extra coverages that may not be needed – There are many additional extra coverages that can waste your money but may not be useful. Add-on coverages like personal injury protection, accidental death, and membership fees are probably not needed. They may sound like good ideas when deciding what coverages you need, but if you’ve never needed them in the past eliminate them to save money.
  • Amount of liability protection – Your policy’s liability coverage is the coverage that protects you if ever a court rules you are at fault for damages from an accident. Liability provides for a legal defense which can cost a lot. Liability is cheap as compared to coverage for physical damage, so drivers should make sure they buy enough to cover all assets.
  • Lower stress equals lower premiums – Do you have a high-stress occupation? Occupations like military generals, business owners and accountants tend to pay the highest average rates attributed to job stress and incredibly demanding work hours. On the other hand, careers like professors, engineers and retirees pay lower than average rates on Aurora coverage.
  • Men drivers tend to cost more – Statistics show that women are safer drivers than men. It does not mean men are WORSE drivers than women. Women and men cause fender benders at a similar rate, but guys cause more damage. Men also tend to have more aggressive citations such as reckless driving. Young men ages 16 to 20 generally have the highest accident percentage and therefore pay the highest rates.
  • Multiple policies with one company – Most larger insurance companies apply discounts to insureds who carry more than one policy in the form of a multi-policy discount. Even though this discount sounds good, it’s always a smart idea to check prices from other companies to make sure you are getting the best deal. You may still find better rates by buying insurance coverage from a different company.

Car insurance can get complicated

When it comes to buying the best car insurance coverage for your personal vehicles, there really is not a best way to insure your cars. Coverage needs to be tailored to your specific needs and a cookie cutter policy won’t apply. For example, these questions may help highlight whether your personal situation may require specific advice.

  • Do I have coverage when making deliveries for my home business?
  • Is my business laptop covered if it gets stolen from my vehicle?
  • What if I don’t agree with a claim settlement offer?
  • Do I have coverage if my license is suspended?
  • Is my custom paint covered by insurance?
  • What is medical payments coverage?
  • Why am I be forced to buy a membership to get insurance from some companies?

If you can’t answer these questions then you might want to talk to an agent. To find lower rates from a local agent, take a second and complete this form or click here for a list of car insurance companies in your area. It only takes a few minutes and can help protect your family.

Will you really save $490 on insurance coverage?

Consumers can’t ignore all the ads for the lowest price insurance coverage from companies such as Progressive, Allstate and GEICO. They all advertise claims that people will save after switching your policy.

How does every company offer you a better deal?

Insurance coverage companies quote their cheapest rates for the type of driver that earns them the highest profit. For instance, this type of driver might be described as over the age of 45, has never had a claim, and drives less than 5,000 miles a year. Anyone who fits that profile may get the lowest car insurance rates as well as save some money.

Potential insureds who are not a match for those standards may be forced to pay higher prices and this can result in business not being written. The trick companies use is to say “customers who switch” not “everyone who quotes” save that much when switching. This is how companies can truthfully state the savings.

This illustrates why you really should compare free insurance coverage quotes often. Because you never know which insurance coverage company will be your best fit.

What insurance coverages do you need?

Knowing the specifics of your policy can be of help when determining appropriate coverage and proper limits and deductibles. Policy terminology can be impossible to understand and even agents have difficulty translating policy wording. Listed below are the normal coverages offered by insurance companies.

Liability coverage

This coverage protects you from damages or injuries you inflict on other people or property. It protects YOU from claims by other people, and doesn’t cover your own vehicle damage or injuries.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You might see liability limits of 100/300/100 that means you have $100,000 in coverage for each person’s injuries, a total of $300,000 of bodily injury coverage per accident, and a total limit of $100,000 for damage to vehicles and property. Occasionally you may see a combined limit that pays claims from the same limit rather than limiting it on a per person basis.

Liability insurance covers things such as pain and suffering, court costs, loss of income and bail bonds. How much liability should you purchase? That is up to you, but buy higher limits if possible.

Comprehensive (Other than Collision)

This coverage covers damage OTHER than collision with another vehicle or object. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims like fire damage, damage from a tornado or hurricane and damage from flooding. The most your insurance company will pay is the cash value of the vehicle, so if the vehicle is not worth much consider dropping full coverage.

Protection from uninsured/underinsured drivers

This coverage protects you and your vehicle from other motorists when they do not carry enough liability coverage. This coverage pays for hospital bills for your injuries and damage to your 1996 Oldsmobile Aurora.

Because many people have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Most of the time these coverages are identical to your policy’s liability coverage.

Collision insurance

Collision insurance pays to fix your vehicle from damage resulting from colliding with another car or object. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers claims like hitting a mailbox, driving through your garage door, sideswiping another vehicle and scraping a guard rail. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are older. Another option is to increase the deductible to bring the cost down.

Medical expense insurance

Coverage for medical payments and/or PIP kick in for bills for things like surgery, dental work, prosthetic devices and X-ray expenses. They are used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover all vehicle occupants and will also cover being hit by a car walking across the street. PIP coverage is only offered in select states and gives slightly broader coverage than med pay

Don’t be a big spender

We’ve covered a lot of information how to reduce 1996 Oldsmobile Aurora insurance premium rates online. The key concept to understand is the more quotes you get, the better likelihood of getting affordable insurance coverage. Consumers may even find the lowest premium rates are with a lesser-known regional company. Smaller companies may cover specific market segments cheaper than the large multi-state companies such as State Farm, GEICO and Nationwide.

Some insurance companies do not offer the ability to get quotes online and usually these small, regional companies provide coverage only through local independent agencies. Cheaper 1996 Oldsmobile Aurora insurance can be found online and from local agencies, so you should be comparing quotes from both to have the best rate selection.

When searching for affordable insurance coverage quotes, never buy less coverage just to save a little money. In many instances, someone dropped liability limits or collision coverage only to find out that they should have had better coverage. The goal is to find the BEST coverage at the best possible price, but do not sacrifice coverage to save money.

Other information