Cheap 1998 Oldsmobile Intrigue Car Insurance Quotes

Searching for cheaper car insurance rates for your Oldsmobile Intrigue? I can’t think of a single person who looks forward to paying for car insurance, especially when they are paying too much.

Multiple insurance companies compete for your insurance dollar, so it can be very hard to choose a company and get the best coverage at the best rate

Comprehensive Auto Insurance Comparison

The are a couple different ways of comparing rate quotes and find the best price. The simplest method to find the lowest 1998 Oldsmobile Intrigue rates involves getting comparison quotes online. This can be accomplished using a couple different methods.

One of the simplest ways to find low rates is to use a rate comparison form click to view form in new window. This type of form keeps you from doing multiple quote forms for every auto insurance company. Filling out one form gets you price quotes direct from many companies.

A more difficult way to obtain and compare quotes online requires visiting each individual company website and complete a new quote form. For examples sake, we’ll pretend you want to compare rates from Nationwide, GEICO and Farmers. You would have to spend time on each company’s site and enter your policy data, which is why most consumers use the first method.

For a list of links to insurance companies in your area, click here.

Which method you use is up to you, but double check that you are using identical deductibles and coverage limits for every company. If the quotes have different limits and deductibles on each one it will be impossible to determine the best price for your Oldsmobile Intrigue. Having just a slight variation in limits may result in a large different in cost. It’s important to know that quoting more provides better odds of finding a better price.

Discounts are available to cut your rates

Companies offering auto insurance do not advertise all their discounts very well, so we break down some of the best known and also the lesser-known auto insurance savings.

  • Multiple Policy Discount – When you combine your home and auto insurance with one company you may save up to 20% off your total premium.
  • Government Employees – Simply working for the federal government can earn a discount up to 10% on Intrigue coverage with a few auto insurance companies.
  • Discount for Swiching Early – A few companies offer discounts for switching to them prior to your current policy expiring. The savings is around 10%.
  • Accident Free – Good drivers with no accidents can save substantially when compared with frequent claim filers.
  • Drivers Education – Make teen driver coverage more affordable by requiring them to take driver’s ed class if offered at their school.

A little note about advertised discounts, most of the big mark downs will not be given to the overall cost of the policy. Some only reduce the price of certain insurance coverages like medical payments or collision. So even though they make it sound like adding up those discounts means a free policy, companies don’t profit that way.

Insurance companies that possibly offer these money-saving discounts include:

Before buying, ask each company what discounts are available to you. Some discounts might not be offered in your state.

Oldsmobile Intrigue premiums are determined by many factors

Smart consumers have a good feel for the factors that go into determining the rates you pay for auto insurance. Knowing what influences your rates empowers consumers to make smart changes that could result in better auto insurance rates.

Listed below are a partial list of the pieces used by your company to calculate premiums.

  • A lapse in coverage is a bad thing – Driving without insurance can get your license suspended and auto insurance companies will penalize you for letting your insurance lapse. Not only will you pay more, but not being able to provide proof of insurance may earn you a license revocation or jail time.Then you may be required to provide proof of insurance in the form of an SR-22 filing with your state motor vehicle department.
  • Do you need the policy add-ons? – There are many add-on coverages that you can buy if you aren’t careful. Coverages for roadside assistance, towing coverage and additional equipment coverage are some examples. They may seem like a good idea when you first buy your policy, but now you might not need them so eliminate them to save money.
  • Bump up deductibles to save – Deductibles for physical damage define the amount you are willing to pay before your auto insurance pays a claim. Coverage for physical damage, commonly called comprehensive (or other-than-collision) and collision coverage, protects your car from damage. Some instances where coverage would apply are running into the backend of another car, collision with an animal, and rolling your vehicle. The higher the amount you are required to pay out-of-pocket, the bigger discount you will receive on Intrigue coverage.
  • Poor driving leads to higher costs – A bad driving record has a big impact on rates. Even one ticket may increase your cost twenty percent or more. Drivers with clean records get better rates compared to drivers with tickets. If you have flagrant violations such as hit and run, DWI or reckless driving convictions may find they need to submit a SR-22 or proof of financial responsibility with their state DMV in order to keep their license.

Everyone needs different coverages

When it comes to choosing the right insurance coverage, there really is not a single plan that fits everyone. Every insured’s situation is different and a cookie cutter policy won’t apply. For instance, these questions can help discover whether or not you will benefit from professional help.

  • Does my insurance cover my expensive audio equipment?
  • Do I pay less if my vehicle is kept in my garage?
  • Can I rate high risk drivers on liability-only vehicles?
  • Am I covered when driving a rental car?
  • Am I covered when driving in Canada or Mexico?
  • Are my tools covered if they get stolen from my vehicle?

If you don’t know the answers to these questions, you might consider talking to a licensed insurance agent. To find an agent in your area, fill out this quick form or you can go here for a list of companies in your area.

Ads can be misleading

Insurance coverage companies such as State Farm, GEICO and Progressive constantly bombard you with ads on TV and radio. They all seem to make the same claim that you’ll save big if you switch your policy. How does each company say the same thing? This is how they do it.

Insurance companies are able to cherry pick for the type of driver that makes them money. A good example of a preferred risk could possibly be between 25 and 40, a clean driving record, and has great credit. A propective insured who meets those qualifications will qualify for the lowest rates and therefore will save when switching.

Consumers who fall outside these standards must pay higher premiums and this can result in the customer not buying. The ads say “customers who switch” not “everybody who quotes” save that much money. That is how insurance companies can make those claims. This illustrates why you absolutely need to quote coverage with many companies. It’s impossible to know which insurance coverage company will have the lowest Oldsmobile Intrigue insurance rates.

Car insurance coverage basics

Knowing the specifics of car insurance can help you determine the right coverages and proper limits and deductibles. The coverage terms in a policy can be confusing and even agents have difficulty translating policy wording. Listed below are typical coverages found on the average car insurance policy.

Liability coverages – This protects you from damage or injury you incur to other people or property that is your fault. This coverage protects you against other people’s claims, and does not provide coverage for your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see liability limits of 50/100/50 which stand for a $50,000 limit per person for injuries, $100,000 for the entire accident, and a total limit of $50,000 for damage to vehicles and property.

Liability insurance covers claims like repair bills for other people’s vehicles, structural damage, legal defense fees, bail bonds and attorney fees. How much liability should you purchase? That is a personal decision, but buy higher limits if possible.

Uninsured Motorist or Underinsured Motorist insurance – This protects you and your vehicle when the “other guys” either have no liability insurance or not enough. It can pay for injuries sustained by your vehicle’s occupants and also any damage incurred to your Oldsmobile Intrigue.

Since a lot of drivers have only the minimum liability required by law, their limits can quickly be used up. For this reason, having high UM/UIM coverages is very important.

Insurance for medical payments – Medical payments and Personal Injury Protection insurance kick in for bills for things like funeral costs, prosthetic devices, dental work and surgery. The coverages can be used to cover expenses not covered by your health insurance program or if you do not have health coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants and will also cover any family member struck as a pedestrian. PIP coverage is only offered in select states but can be used in place of medical payments coverage

Comprehensive coverage (or Other than Collision) – Comprehensive insurance will pay to fix damage OTHER than collision with another vehicle or object. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims like rock chips in glass, falling objects and vandalism. The highest amount you’ll receive from a claim is the cash value of the vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Collision – This pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. A deductible applies then your collision coverage will kick in.

Collision coverage pays for things like colliding with another moving vehicle, hitting a parking meter and hitting a mailbox. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are older. Another option is to increase the deductible in order to get cheaper collision rates.

Keep this in mind

As you go through the steps to switch your coverage, make sure you don’t buy poor coverage just to save money. In many cases, an accident victim reduced physical damage coverage and found out when filing a claim that the savings was not a smart move. The ultimate goal is to find the BEST coverage at the best price.

Budget-conscious 1998 Oldsmobile Intrigue insurance is attainable on the web and also from your neighborhood agents, and you need to price shop both to have the best rate selection. Some auto insurance companies may not provide you the ability to get quotes online and these smaller companies work with independent agents.

More tips and info about auto insurance can be found at these sites: