Trying to find the cheapest insurance for an Oldsmobile Calais can turn out to be difficult, but you can learn the following methods to make it easier.
There are more efficient ways to shop for car insurance and you need to know the best way to price shop coverage on a Oldsmobile and obtain the cheapest rates from both online companies and local agents.
You probably qualify for some discounts
Insurance can cost an arm and a leg, but discounts can save money and there are some available to help bring down the price. A few discounts will automatically apply at the time of purchase, but a few must be specifically requested in order for you to get them. If they aren’t giving you every credit you deserve, you’re just leaving money on the table.
- Defensive Driving Course – Taking part in a course teaching defensive driving skills can save you 5% or more if you qualify.
- Pay Now and Pay Less – If you pay your bill all at once instead of making monthly payments you could save up to 5%.
- Good Student Discount – A discount for being a good student can save 20 to 25%. Earning this discount can benefit you until age 25.
- Braking Control Discount – Vehicles with anti-lock braking systems prevent accidents and will save you 10% or more.
- Federal Government Employee – Employees or retirees of the government may qualify you for a discount for Calais insurance with select insurance companies.
- Life Insurance – Larger companies have lower rates if you buy auto and life insurance together.
- Distant Student – Any of your kids living away from home attending college and do not have access to a covered vehicle may qualify for this discount.
As a disclaimer on discounts, most of the big mark downs will not be given to all coverage premiums. Most only reduce the price of certain insurance coverages like collision or personal injury protection. So despite the fact that it appears it’s possible to get free car insurance, companies don’t profit that way. But any discount will reduce your premiums.
For a list of insurers offering car insurance discounts, follow this link.
Your insurance agent down the street
Some consumers just want to get advice from a local agent and that is just fine! Insurance agents can answer important questions and help submit paperwork. One of the best bonuses of comparing insurance prices online is that you can obtain the best rates but still work with a licensed agent. And providing support for local insurance agencies is important especially in smaller communities.
After completing this simple form, your coverage information gets sent to participating agents who will return price quotes for your business. You don’t have to visit any agencies due to the fact that quote results will go to the email address you provide. How cool is that?!
To view a list of agents in your state to contact, visit this page.
Choosing an insurance company should depend on more than just a cheap price. Agents should be asked these questions:
- Which members of your family are coverage by the policy?
- If your car is in the repair shop, do you have coverage for a rental car?
- If you are a high risk driver, do they have special markets for your coverage?
- Does the company allow you to choose your own collision repair facility?
- Do they feel the quoted coverages are adequate?
- Is working in the agency their full-time job?
- Are glass claims handled on-site or do you have to take your vehicle to a repair shop?
After getting reasonable responses to all your questions in addition to an acceptable price estimate, chances are good that you have found a company that meets your needs to properly service your car insurance policy.
The fine print in car insurance ads
Consumers get pounded daily by advertisements for cheaper car insurance by Progressive, Allstate and GEICO. They all seem to have a common claim that you can save if you move to their company.
But how can every company claim to save you money?
All the different companies have a preferred profile for the driver that is profitable for them. For example, a preferred risk might be profiled as between 30 and 50, has no driving citations, and has a high credit rating. A driver who fits that profile receives the best rates and most likely will pay quite a bit less when switching companies.
Potential customers who fall outside these standards will be quoted more money and this can result in the driver buying from a lower-cost company. Company advertisements say “customers that switch” but not “drivers who get quotes” save that much. This is how insurance companies can make those claims.
This emphasizes why drivers should compare as many rates as you can. It’s impossible to know which insurance companies will give you the biggest savings.
More quotes mean more savings
Consumers switch companies for any number of reasons including being labeled a high risk driver, policy non-renewal, delays in paying claims and not issuing a premium refund. It doesn’t matter why you want to switch switching companies is pretty simple and you could end up saving a buck or two.
Cheaper Oldsmobile Calais insurance is attainable both online and also from your neighborhood agents, so compare prices from both in order to have the best chance of saving money. Some insurance providers may not provide online price quotes and usually these smaller companies provide coverage only through local independent agents.
While you’re price shopping online, it’s very important that you do not buy lower coverage limits just to save a few bucks. Too many times, someone dropped liability coverage limits only to regret that their decision to reduce coverage ended up costing them more. The aim is to buy a smart amount of coverage for the lowest price.
