Cheaper 2000 Oldsmobile Intrigue Insurance Quotes

Looking for cheaper insurance coverage rates for your Oldsmobile Intrigue? I can’t think of anyone who cherishes buying insurance coverage, particularly when they are paying too much.

Numerous auto insurance companies battle for your business, and it can be difficult to compare rates and get the definite cheapest price

Take discounts and save

Companies that sell car insurance don’t always list all available discounts very well, so we researched some of the best known and the harder-to-find insurance savings.

  • Air Bag Discount – Vehicles with factory air bags and/or automatic seat belt systems can receive discounts of up to 25% or more.
  • Organization Discounts – Being a member of a professional or civic organization could qualify you for a break on insurance on Intrigue coverage.
  • Federal Employees – Being employed by or retired from a federal job may qualify you for a discount on Intrigue coverage with select insurance companies.
  • College Student – Any of your kids who attend school more than 100 miles from home without a vehicle on campus may qualify for this discount.
  • Discounts for Safe Drivers – Safe drivers can get discounts for up to 45% lower rates on Intrigue coverage than drivers with accidents.
  • Early Signing – Some companies give discounts for switching to them prior to your current policy expiring. This can save 10% or more.
  • Paperless Signup – Certain companies will discount your bill up to fifty bucks just for signing your application digitally online.
  • Own a Home – Owning a house can save you money because maintaining a house demonstrates responsibility.
  • Service Members Pay Less – Having a family member in the military could be rewarded with lower premiums.

It’s important to note that most credits do not apply to the overall cost of the policy. Some only apply to individual premiums such as collision or personal injury protection. Just because it seems like adding up those discounts means a free policy, it just doesn’t work that way.

To see a list of insurance companies who offer insurance discounts, click this link.

Which policy gives me the best coverage?

When it comes to buying the right insurance coverage for your personal vehicles, there isn’t really a perfect coverage plan. Everyone’s situation is a little different so your insurance needs to address that. For example, these questions can aid in determining if you would benefit from professional advice.

  • Am I covered if hit by an uninsured driver?
  • Does my insurance cover a custom paint job?
  • When do I need to add a new car to my policy?
  • Am I covered if I break a side mirror?
  • Are my friends covered when driving my 2000 Oldsmobile Intrigue?
  • Do I need PIP (personal injury protection) coverage in my state?
  • Does my 2000 Oldsmobile Intrigue need full coverage?
  • Is my dog or cat covered if injured in an accident?
  • Do I need special endorsements for business use of my vehicle?
  • Are there companies who specialize in insuring high-risk drivers?

If it’s difficult to answer those questions, you may need to chat with an insurance agent. If you don’t have a local agent, simply complete this short form or go to this page to view a list of companies.

Buyer beware of car insurance advertising tricks

Companies like Progressive, GEICO, Allstate and State Farm constantly bombard you with ads in print and on television. All the ads make the same claim about savings if you switch your policy. How does each company say the same thing?

Different companies can use profiling for the driver that earns them a profit. For instance, a profitable customer could be over the age of 40, has no tickets, and chooses high deductibles. A customer that hits that “sweet spot” will get the preferred rates and most likely will pay quite a bit less when switching companies.

Potential customers who do not match the requirements must pay more money which leads to business going elsewhere. The ads say “drivers who switch” not “everybody who quotes” save money. This is how companies can make the claims of big savings. This illustrates why drivers must compare many company’s rates. It’s just too difficult to predict which company will provide you with the cheapest Oldsmobile Intrigue insurance rates.

Insurance coverage basics

Understanding the coverages of insurance can be of help when determining appropriate coverage and the correct deductibles and limits. The terms used in a policy can be ambiguous and coverage can change by endorsement. Listed below are the normal coverages found on most insurance policies.

Auto liability

Liability insurance will cover damages or injuries you inflict on other people or property. It protects you against other people’s claims, and doesn’t cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have limits of 25/50/25 which means $25,000 in coverage for each person’s injuries, a total of $50,000 of bodily injury coverage per accident, and property damage coverage for $25,000.

Liability insurance covers things such as emergency aid, structural damage and repair bills for other people’s vehicles. The amount of liability coverage you purchase is up to you, but it’s cheap coverage so purchase as high a limit as you can afford.

Comprehensive auto coverage

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

Comprehensive coverage pays for claims like fire damage, damage from getting keyed and a tree branch falling on your vehicle. The maximum amount you’ll receive from a claim is the market value of your vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This gives you protection when the “other guys” do not carry enough liability coverage. It can pay for hospital bills for your injuries as well as damage to your Oldsmobile Intrigue.

Due to the fact that many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage should not be overlooked.

Medical payments and PIP coverage

Med pay and PIP coverage pay for immediate expenses like dental work, ambulance fees and funeral costs. They are often used to fill the gap from your health insurance plan or if you lack health insurance entirely. They cover you and your occupants in addition to if you are hit as a while walking down the street. Personal Injury Protection is not universally available and gives slightly broader coverage than med pay

Auto collision coverage

Collision insurance pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims like driving through your garage door, hitting a parking meter and sustaining damage from a pot hole. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are 8 years or older. Another option is to increase the deductible to bring the cost down.

Best coverage at the best price

The cheapest 2000 Oldsmobile Intrigue insurance is available from both online companies in addition to many insurance agents, so you should be comparing quotes from both so you have a total pricing picture. A few companies do not provide online quoting and most of the time these smaller companies sell through independent agents.

When shopping online for auto insurance, it’s not a good idea to sacrifice coverage to reduce premiums. Too many times, someone sacrificed collision coverage to discover at claim time that the savings was not a smart move. The ultimate goal is to buy enough coverage at the best price.

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