View 2003 Oldsmobile Aurora Car Insurance Rates

No one rejoices having to buy insurance, in particular when the cost is too high. There is such a variety of car insurance companies to buy insurance from, and even though it’s nice to have a choice, it can be more challenging to find the lowest rates.

Choosing the best insurance company for you is quite easy. If you are insured now or need new coverage, you can use these tips to find better prices and still get good coverage. Drivers just need to know the best way to shop for auto insurance online.

Why you might pay inflated rates

Lots of factors are part of the equation when you get your auto insurance bill. Some of the criteria are obvious such as traffic violations, but others are more transparent like where you live or your financial responsibility.

The items below are a partial list of the pieces that factor into premiums.

  • Tickets will cost you – Drivers with clean records pay less for auto insurance as compared to careless drivers. Getting just one moving violation can bump up the cost forty percent or more. Drivers who get careless tickets like DUI or willful reckless driving may find that they have to to maintain a SR-22 with their state DMV in order to keep their license.
  • Multiple policies with one company – Lots of insurers afford lower prices to clients who carry more than one policy. It’s known as a multi-policy discount. Even if you already get this discount, you still need to compare other insurance prices to confirm you are receiving the best rates possible.
  • Higher premiums for policy lapses – Going without insurance is a sure-fire way to trigger a rate increase. Not only will you pay more, being ticketed for driving with no insurance will get you a hefty fine and possibly a revoked license. You could then be forced to provide proof of insurance in the form of an SR-22 filing with your state DMV.
  • Extra coverages you don’t use – Insurance policies have a lot of add-on coverages that you can buy but may not be useful. Coverage for things like personal injury protection, death and dismemberment, and additional equipment coverage are some examples. The coverages may be enticing when deciding what coverages you need, but if you’ve never needed them in the past consider taking them off your policy.
  • Drive lots and pay more – The higher the mileage driven every year the higher the price you pay to insure it. The majority of insurers apply a rate based upon how the vehicle is primarily used. Autos that do not get driven very much can be on a lower rate level than vehicles that are driven to work every day. Verify your insurance coverage states the proper vehicle usage. An improperly rated Aurora may be costing you higher rates.

Don’t overlook these insurance discounts

Some providers don’t always list the complete list of policy discounts in an easy-to-find place, so the list below details a few of the more well known as well as the least known credits available to lower your premiums when you buy insurance coverage online.

  • Multi-line Discount – If the company offers life insurance, you could get a lower premium rate if you buy some life insurance in addition to your auto policy.
  • Discounts for New Vehicles – Buying insurance coverage on a new vehicle is cheaper because newer models have to meet stringent safety requirements.
  • Safety Course Discount – Completing a class that teaches defensive driving techniques could possibly earn you a 5% discount and also improve your driving technique.
  • Anti-lock Brake Discount – Cars with ABS and/or traction control can stop better under adverse conditions and the ABS can save up to 10%.
  • Air Bags and Passive Restraints – Vehicles equipped with air bags or motorized seat belts can qualify for discounts of 20% or more.
  • Low Mileage Discounts – Maintaining low annual mileage could be rewarded with lower premium rates due to less chance of an accident.
  • Bundle and Save – If you can combine your auto and home policy with one insurance company you could get a discount of 10% to 20% off each policy.

Don’t be shocked that most credits do not apply to the entire policy premium. Some only apply to individual premiums such as collision or personal injury protection. So when it seems like it’s possible to get free car insurance, companies don’t profit that way.

Popular insurance companies and some of their more popular discounts are shown below.

  • Farm Bureau has savings for multi-policy, multi-vehicle, good student, safe driver, and 55 and retired.
  • Liberty Mutual offers discounts including exclusive group savings, hybrid vehicle, multi-policy, newly retired, and preferred payment discount.
  • State Farm has discounts for accident-free, student away at school, driver’s education, Steer Clear safe driver discount, anti-theft, safe vehicle, and passive restraint.
  • Auto-Owners Insurance offers premium reductions for good student, multiple vehicles, safe vehicle, anti-lock brakes, multi-policy, safe driver, and paid in full.
  • GEICO offers discounts for driver training, multi-policy, military active duty, membership and employees, and federal employee.
  • SAFECO policyholders can earn discounts including drive less, multi-car, accident prevention training, anti-lock brakes, safe driver, teen safe driver, and bundle discounts.

Double check with every company the best way to save money. All car insurance discounts may not be available in your area. If you would like to see a list of providers who offer discounts, click here to view.

When to get professional advice

When it comes to buying proper insurance coverage, there isn’t really a best way to insure your cars. Your needs are not the same as everyone else’s and a cookie cutter policy won’t apply. Here are some questions about coverages that can help discover if your insurance needs might need professional guidance.

  • Does my liability insurance cover pulling a trailer or camper?
  • Does my 2003 Oldsmobile Aurora need full coverage?
  • How high should deductibles be on a 2003 Oldsmobile Aurora?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • Do I have coverage if my license is suspended?
  • Do I need medical payments coverage since I have good health insurance?
  • Why do I only qualify for high-risk insurance?
  • What if I don’t agree with a claim settlement offer?
  • How does medical payments coverage work?
  • Does coverage extend to my business vehicle?

If you’re not sure about those questions, you might consider talking to a licensed agent. To find an agent in your area, complete this form or you can also visit this page to select a carrier It’s fast, free and can provide invaluable advice.

Car insurance coverages 101

Understanding the coverages of a car insurance policy can be of help when determining the best coverages and the correct deductibles and limits. The terms used in a policy can be difficult to understand and nobody wants to actually read their policy. Shown next are typical coverages offered by car insurance companies.

Collision – This coverage covers damage to your Aurora resulting from a collision with another car or object. You will need to pay your deductible then your collision coverage will kick in.

Collision insurance covers claims such as colliding with another moving vehicle, colliding with a tree, backing into a parked car, damaging your car on a curb and hitting a mailbox. Paying for collision coverage can be pricey, so consider removing coverage from lower value vehicles. It’s also possible to choose a higher deductible to save money on collision insurance.

Liability coverage – This coverage will cover damage or injury you incur to other people or property in an accident. It protects YOU from claims by other people. Liability doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see policy limits of 50/100/50 which stand for a limit of $50,000 per injured person, a per accident bodily injury limit of $100,000, and a total limit of $50,000 for damage to vehicles and property.

Liability insurance covers claims such as medical services, repair costs for stationary objects and repair bills for other people’s vehicles. How much liability coverage do you need? That is your choice, but it’s cheap coverage so purchase as large an amount as possible.

Comprehensive coverage – Comprehensive insurance coverage pays to fix your vehicle from damage that is not covered by collision coverage. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims like rock chips in glass, falling objects, a broken windshield, vandalism and hitting a bird. The most your car insurance company will pay is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Medical payments coverage and PIP – Med pay and PIP coverage kick in for expenses like dental work, prosthetic devices, nursing services and pain medications. They are often used to fill the gap from your health insurance policy or if you lack health insurance entirely. Coverage applies to you and your occupants and will also cover getting struck while a pedestrian. PIP coverage is only offered in select states and gives slightly broader coverage than med pay

Uninsured/Underinsured Motorist coverage – This provides protection when the “other guys” either are underinsured or have no liability coverage at all. Covered claims include hospital bills for your injuries and damage to your Oldsmobile Aurora.

Because many people only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is a good idea.

Final considerations

Budget-friendly insurance can be sourced from both online companies and with local insurance agents, and you should compare rates from both in order to have the best price selection to choose from. There are still a few companies who may not provide rate quotes online and many times these smaller providers only sell coverage through independent insurance agencies.

We covered quite a bit of information on how to get a better price on 2003 Oldsmobile Aurora insurance. The key concept to understand is the more rate comparisons you have, the more likely it is that you will get a better rate. You may even discover the best price on insurance is with the least-expected company. These companies may only write in your state and offer lower premium rates than the large multi-state companies such as Allstate, GEICO and Progressive.

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