Compare 2002 Oldsmobile Aurora Insurance Rates

Want the cheapest insurance rates for your Oldsmobile Aurora? Cutting costs on insurance is difficult for people who are new to comparing rates online. People have so many options that it can turn into a big hassle to find the best price.

It’s a good idea to do rate comparisons periodically because prices are rarely the same from one policy term to another. Just because you had the lowest price for Aurora insurance two years ago a different company probably has better rates today. Starting right now, forget anything you know (or think you know) about insurance because I’m going to teach you the fastest and easiest way to find lower rates on insurance.

Low Cost Car Insurance

The are a couple different ways of comparing price quotes from car insurance companies in your area. The simplest method to find the cheapest 2002 Oldsmobile Aurora insurance rates is to perform an online rate comparison. This can be done in just a few minutes using one of these methods.

The most efficient way consumers can analyze rates would be an industry-wide quote request form click here to open form in new window. This form prevents you from having to do a different quote to each individual car insurance company. Completing one form gets you coverage quotes from all major companies. Recommended for those who want to invest the least amount of time.

A harder way to get comparison quotes requires a visit to the website of each company and complete a new quote form. For sake of this example, let’s say you want rates from State Farm, Farmers and American Family. To get rate quotes you would need to visit each site to input your insurance information, and that’s why the first method is more popular.

For a handy list of car insurance company links in your area, click here.

The most time-consuming method of getting rate comparisons is to waste gas driving to insurance agents’ offices. The internet has reduced the need for local agents unless you have a need for the professional guidance of a local agent. However, consumers can compare online quotes and still use a local agent and we’ll cover that in a bit.

It doesn’t matter which method you choose, just ensure you’re using exactly the same information for every quote you compare. If you compare higher or lower deductibles it’s impossible to make a fair comparison for your Oldsmobile Aurora. Quoting even small variations in coverage limits may result in a large different in cost. It’s important to know that quoting more will improve the odds of getting a lower rate.

Do you qualify for discounts?

Companies offering auto insurance don’t always list every discount in an easy-to-find place, so we break down both well-publicized and the more hidden savings tricks you should be using.

Passive Restraints and Air Bags – Vehicles with factory air bags or automatic seat belts can qualify for discounts up to 30%.
Homeowners Savings – Being a homeowner can help you save on insurance because of the fact that having a home requires personal responsibility.
Accident Waiver – A handful of insurance companies allow you one accident without raising rates if you are claim-free for a particular time prior to the accident.
Theft Prevention System – Anti-theft and alarm systems can help prevent theft and therefore earn up to a 10% discount.
Driver Safety – Taking part in a defensive driving course could possibly earn you a 5% discount and easily recoup the cost of the course.
Student in College – Kids in college who live away from home and do not have access to a covered vehicle can be insured at a reduced rate.
Sign Early and Save – Select companies give a discount for switching policies prior to your current policy expiring. It can save you around 10%.

Consumers should know that most discounts do not apply to all coverage premiums. Most only cut individual premiums such as comprehensive or collision. Even though it may seem like having all the discounts means you get insurance for free, you’re out of luck.

Insurance companies who might offer these money-saving discounts include:

Check with all companies you are considering what discounts are available to you. Some discounts might not apply everywhere.

Don’t assume everyone needs the same coverage

When choosing adequate coverage for your personal vehicles, there isn’t really a perfect coverage plan. Every situation is different.

For example, these questions can help discover if your insurance needs could use an agent’s help.

When can I cancel my policy?
Do I need an umbrella policy?
Where can I get insurance after a DUI in my state?
Is my teen driver covered when they drive my company car?
Which is better, split liability limits or combined limits?
Why is insurance for a teen driver so high?
Should I drop comprehensive coverage on older vehicles?
Am I covered if my car is in a flood?
Is upholstery damage covered by car insurance?
How much liability insurance is required?

If you can’t answer these questions but you think they might apply to your situation, you may need to chat with an insurance agent. If you don’t have a local agent, take a second and complete this form.

Parts of your car insurance policy

Learning about specific coverages of car insurance aids in choosing appropriate coverage for your vehicles. The terms used in a policy can be confusing and reading a policy is terribly boring.

Auto collision coverage

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

Collision insurance covers things such as rolling your car, backing into a parked car and scraping a guard rail. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are older. You can also bump up the deductible in order to get cheaper collision rates.

Medical costs insurance

Med pay and PIP coverage pay for bills for things like surgery, hospital visits, nursing services and pain medications. The coverages can be used to fill the gap from your health insurance policy or if you do not have health coverage. Medical payments and PIP cover you and your occupants and will also cover if you are hit as a while walking down the street. Personal Injury Protection is only offered in select states but can be used in place of medical payments coverage

UM/UIM Coverage

This coverage gives you protection when other motorists are uninsured or don’t have enough coverage. This coverage pays for injuries sustained by your vehicle’s occupants and damage to your Oldsmobile Aurora.

Due to the fact that many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is important protection for you and your family.

Coverage for liability

Liability insurance provides protection from damage or injury you incur to a person or their property. This insurance protects YOU from claims by other people. Liability 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. Your policy might show limits of 100/300/100 which means a limit of $100,000 per injured person, a limit of $300,000 in injury protection per accident, and property damage coverage for $100,000.

Liability can pay for claims like bail bonds, legal defense fees and repair bills for other people’s vehicles. How much coverage you buy is up to you, but you should buy as large an amount as possible.

Comprehensive or Other Than Collision

Comprehensive insurance coverage pays to fix your vehicle from damage from a wide range of events other than collision. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims like a broken windshield, damage from getting keyed, a tree branch falling on your vehicle, rock chips in glass 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.