Lower Your 1998 Oldsmobile Aurora Car Insurance Rates

Scraping up a payment for overpriced Oldsmobile Aurora insurance can bleed your accounts and make it tough to pay other bills. Many car insurance companies compete for your insurance dollar, so it’s not easy to compare every insurer to discover the definitive best price available.

Consumers need to compare prices as often as possible because rates change regularly. Just because you found the lowest rate for Aurora coverage last year there may be better deals available now. There is a lot of wrong information about insurance on the internet, but you can learn some of the best ways to slash your insurance rates.

Reduce your car insurance rates with discounts

Companies don’t always publicize every discount they offer very well, so we researched some of the more common as well as some of the hidden credits available to lower your premiums when you buy car insurance online. If you do not double check each discount possible, you could be saving more on your car insurance.

  • Good Grades Discount – Excelling in school may save you up to 25%. The good student discount can last up to age 25.
  • Driver Education Discount – Reduce the cost of insurance for teen drivers by having them enroll and complete driver’s education in school.
  • Drive Safe and Save – Insureds without accidents may save up to 50% more for Aurora coverage compared to accident prone drivers.
  • Homeowners Pay Less – Owning a home can earn you a little savings since owning and maintaining a home is proof that your finances are in order.
  • Government Employees – Simply working for the federal government could provide a small rate reduction for Aurora coverage with some car insurance companies.
  • Driving Data Discount – Drivers who elect to allow companies to analyze where and when they drive by installing a telematics device such as Progressive’s Snapshot may get a rate reduction if they exhibit good driving behavior.

Remember that some of the credits will not apply the the whole policy. Most only cut the price of certain insurance coverages like comprehensive or collision. Even though it may seem like all the discounts add up to a free policy, it doesn’t quite work that way.

Insurance companies that may offer policyholders some of the discounts shown above include:

It’s a good idea to ask each insurance company to apply every possible discount. Discounts may not be available everywhere.

Finding insurance

Finding cheaper 1998 Oldsmobile Aurora insurance prices is surprisingly easy. You just have to take time comparing price quotes online from several insurance companies. This can be accomplished in just a few minutes using one of these methods.

  1. The fastest and easiest way to get quotes is an all-inclusive rate comparison (click to open form in new window). This style of form eliminates the need for a different quote for each company. A single form gets rate comparisons direct from many companies.
  2. A slightly less efficient method to compare prices consists of going to the website of each company and repeat the quote process. For instance, we’ll pretend you want rates from Allstate, Liberty Mutual and Progressive. To get each rate you have to spend time going to each site individually and enter your policy data, and that explains why we recommend the first method. For a list of links to insurance companies in your area, click here.

Compare rates however you want, just make darn sure you compare equivalent coverage information on every quote. If you enter higher or lower deductibles it’s not possible to determine the best price for your Oldsmobile Aurora.

Oldsmobile Aurora insurance cost factors

When buying insurance it’s important to understand the different types of things that play a part in calculating the level of your policy premiums. If you know what influences your rates, this empowers consumers to make smart changes that may result in much lower annual insurance costs.

The factors shown below are some of the things used by your company to calculate your rates.

  • Low credit history equals high costs – Having a bad credit history is a large factor in calculating your premium rate. People that have high credit ratings tend to be more responsible and file fewer claims than drivers who have poor credit scores. If your credit history can be improved, you may save money insuring your 1998 Oldsmobile Aurora by improving your credit score.
  • Your occupation may affect prices – Do you have a high-stress occupation? Careers like judgesair traffic controllers and miners tend to have the highest average rates due to stressful work requirements and lots of time spent away from family. Other jobs such as farmers, athletes and performers receive lower rates for Aurora coverage.
  • Males tend to take more risk – Statistics show that women are safer drivers than men. However, don’t assume that women are better drivers. Men and women have auto accidents in similar percentages, but the males cause more damage. They also get more serious tickets such as reckless driving.
  • Cheaper rates using theft deterrents – Selecting a car model with a theft deterrent system can help lower your premiums. Advanced theft deterrents like GM’s OnStar, tamper alarm systems and vehicle immobilizers all aid in stopping car theft and help bring rates down.
  • Rates increase with driving citations – A bad driving record has a lot to do with how much you pay for insurance. Even one speeding ticket or other violation can increase rates substantially. Good drivers receive lower rates compared to bad drivers. Drivers who have careless violations such as reckless driving or DUI are required to file a proof of financial responsibility form (SR-22) with their state motor vehicle department in order to continue driving.
  • Raising coverage deductibles saves money – Comp and collision deductibles define how much the insured will be required to pay if you file a covered claim. Physical damage insurance, aka comp and collision, insures against damage to your car. Some examples of covered claims are collision with another vehicle, hail damage, and damage from wind. The more of the claim you are required to pay out-of-pocket, the less money you will pay for insurance for Aurora coverage.

You are unique and your insurance coverage should be too

When it comes to buying adequate coverage, there really is not a single plan that fits everyone. Everyone’s situation is unique so your insurance should reflect that Here are some questions about coverages that may help highlight whether your personal situation might need professional guidance.

  • Can I still get insurance after a DUI?
  • Should I carry comprehensive and collision coverage?
  • Can my teen driver be rated on a liability-only vehicle?
  • Does car insurance cover theft of personal property?
  • Is a fancy paint job covered?
  • Does having multiple vehicles earn me a discount?

If you don’t know the answers to these questions but you know they apply to you, then you may want to think about talking to a licensed insurance agent. To find lower rates from a local agent, fill out this quick form or you can go here for a list of companies in your area. It only takes a few minutes and can provide invaluable advice.

Insurance coverage options for a 1998 Oldsmobile Aurora

Learning about specific coverages of insurance aids in choosing the best coverages and proper limits and deductibles. Policy terminology can be ambiguous and reading a policy is terribly boring. Below you’ll find the usual coverages available from insurance companies.

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

Comprehensive coverage protects against things such as vandalism, theft, hitting a deer and hitting a bird. The maximum amount a insurance company will pay at claim time is the market value of your vehicle, so if the vehicle is not worth much consider dropping full coverage.

Uninsured/Underinsured Motorist coverage – This coverage protects you and your vehicle’s occupants from other drivers when they are uninsured or don’t have enough coverage. Covered claims include injuries to you and your family and also any damage incurred to your 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 very important. Frequently your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Collision coverages – Collision coverage pays for damage to your Aurora resulting from colliding with an object or car. You have to pay a deductible and then insurance will cover the remainder.

Collision insurance covers claims like driving through your garage door, hitting a parking meter, colliding with a tree, scraping a guard rail and colliding with another moving vehicle. Collision coverage makes up a good portion of your premium, so consider removing coverage from older vehicles. It’s also possible to increase the deductible to bring the cost down.

Medical payments coverage and PIP – Coverage for medical payments and/or PIP provide coverage for bills like pain medications, hospital visits, ambulance fees and nursing services. They can be used in conjunction with a health insurance plan or if you are not covered by health insurance. Medical payments and PIP cover you and your occupants and will also cover getting struck while a pedestrian. PIP is not available in all states but can be used in place of medical payments coverage

Liability – This coverage provides protection from damages or injuries you inflict on people or other property that is your fault. This insurance protects YOU against other people’s claims, and does not provide coverage for damage sustained by your vehicle in an accident.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have limits of 25/50/25 which means a limit of $25,000 per injured person, $50,000 for the entire accident, and $25,000 of coverage for damaged propery. Occasionally you may see one number which is a combined single limit which provides one coverage limit with no separate limits for injury or property damage.

Liability insurance covers things like court costs, pain and suffering and repair costs for stationary objects. How much liability should you purchase? That is a decision to put some thought into, but you should buy as large an amount as possible.

Be a smart shopper

In this article, we covered a lot of ways to compare 1998 Oldsmobile Aurora insurance premium rates online. The key concept to understand is the more you quote car insurance, the better chance you’ll have of finding inexpensive car insurance. Consumers may even find the best premium rates are with some of the lesser-known companies. These smaller insurers often have lower prices on specific markets than their larger competitors like Allstate, GEICO and Progressive.

Some insurance coverage companies don’t offer price quotes online and usually these smaller companies work with independent insurance agencies. Cost effective 1998 Oldsmobile Aurora insurance is attainable from both online companies as well as from insurance agents, so compare prices from both to have the best chance of lowering rates.

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