Cheap 2002 Oldsmobile Intrigue Insurance Quotes

Are you a victim of an underperforming, overpriced insurance policy? Trust us when we tell you you’re not alone. Insurance companies such as Progressive, GEICO and Farmers Insurance constantly bombard you with catchy ads and it is difficult to avoid their marketing magic and effectively compare rates to find the best deal.

If you have a policy now or are looking for a new policy, you can learn to find better prices while maintaining coverages. Finding affordable coverage is not rocket science. Consumers just need to learn the most efficient way to get comparison quotes online.

Fast and Easy Auto Insurance Quotes

Effectively comparing auto insurance prices can be exhausting if you don’t know the fastest way to get free quotes. You could spend the better part of a day talking to insurance agencies in your area, or you can stay home and use online quotes to accomplish the same thing much quicker.

Most of the best insurance companies participate in a marketplace where insurance shoppers submit their information once, and each participating company then gives them pricing for coverage. This saves time by eliminating quote forms to each individual auto insurance company.

To access this free quoting program, click here to start a free quote.

The only drawback to comparing rates this way is you can’t choose which carriers you want to price. So if you prefer to choose specific providers to receive pricing from, we have a page of auto insurance companies in your area. Click here for list of insurance companies.

Whichever way you use, compare the exact same information for each price quote. If you enter mixed coverages it will be very difficult to truly determine the lowest rate.

Different people need different coverages

When buying adequate coverage for your personal vehicles, there isn’t really a perfect coverage plan. Everyone’s situation is unique so this has to be addressed. For example, these questions can aid in determining if your situation might need an agent’s assistance.

• Do I need special endorsements for business use of my vehicle?
• Should I buy additional glass protection?
• How high should deductibles be on a 2002 Oldsmobile Intrigue?
• Is my camper covered by my car insurance policy?
• Why am I required to buy liability insurance?
• Am I covered when delivering products for my home-based business?
• Why am I be forced to buy a membership to get insurance from some companies?
• 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 a licensed agent. If you don’t have a local agent, fill out this quick form or you can also visit this page to select a carrier It only takes a few minutes and can provide invaluable advice.

Auto insurance specifics

Having a good grasp of a auto insurance policy can be of help when determining which coverages you need at the best deductibles and correct limits. Auto insurance terms can be difficult to understand and nobody wants to actually read their policy. These are typical coverage types found on most auto insurance policies.

Liability auto insurance

This protects you from damage or injury you incur to a person or their property. It protects YOU against other people’s claims, and doesn’t cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see liability limits of 50/100/50 that translate to $50,000 in coverage for each person’s injuries, $100,000 for the entire accident, and a total limit of $50,000 for damage to vehicles and property. Some companies may use one limit called combined single limit (CSL) that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability can pay for claims like pain and suffering, repair costs for stationary objects, repair bills for other people’s vehicles and emergency aid. How much liability coverage do you need? That is a personal decision, but consider buying as high a limit as you can afford.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other motorists when they either have no liability insurance or not enough. It can pay for injuries to you and your family and also any damage incurred to your Oldsmobile Intrigue.

Since a lot of drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Usually the UM/UIM limits do not exceed the liability coverage limits.

Collision protection

This will pay to fix damage to your Intrigue caused by collision with another vehicle or an object, but not an animal. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage protects against things like colliding with another moving vehicle, backing into a parked car, damaging your car on a curb, colliding with a tree and hitting a mailbox. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Drivers also have the option to bump up the deductible in order to get cheaper collision rates.

Comprehensive auto coverage

This will pay to fix damage that is not covered by collision coverage. A deductible will apply then your comprehensive coverage will pay.

Comprehensive can pay for things like rock chips in glass, a broken windshield, damage from getting keyed, theft and vandalism. The maximum amount you’ll receive from a claim is the cash value of the vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Medical payments and PIP coverage

Coverage for medical payments and/or PIP pay for bills such as hospital visits, chiropractic care, ambulance fees and X-ray expenses. They are utilized in addition to your health insurance policy or if you do not have health coverage. It covers you and your occupants and will also cover getting struck while a pedestrian. Personal Injury Protection is only offered in select states but it provides additional coverages not offered by medical payments coverage