Did you fall for a flashy sales pitch and buy an overpriced auto insurance policy? Believe me when I say many consumers are feeling buyer’s remorse and feel like there’s no way out. Many car insurance companies compete to insure your vehicles, and it can be difficult to compare rates to get the best rate
If you have a current auto insurance policy or need new coverage, you will benefit by learning to cut your premiums while maximizing coverage. Choosing the best insurance company for you is easy if you know what you’re doing. Drivers just need to learn the most effective way to shop online.
Be sure to get all your discounts
The cost of insuring your cars can be expensive, but discounts can save money and there are some available to cut the cost considerably. A few discounts will automatically apply at the time of purchase, but some must be asked for prior to receiving the credit. If you aren’t receiving every discount possible, you’re paying more than you need to.
- Bundle and Save – When you combine your home and auto insurance with one insurance company you will save 10% to 20% off each policy.
- Drive Less and Save – Keeping the miles down on your Oldsmobile could qualify for lower rates on the low mileage vehicles.
- Discount for Swiching Early – Some companies give discounts for buying a policy before your current expiration date. The savings is around 10%.
- Federal Employees – Active or retired federal employment could cut as much as 10% off on Intrigue insurance depending on your company.
- Multi-car Discount – Buying coverage for more than one vehicle on one policy qualifies for this discount.
- Homeowners Discount – Being a homeowner can help you save on auto insurance because owning a home is proof that your finances are in order.
- Safety Course Discount – Successfully completing a defensive driving course can save you 5% or more if you qualify.
- 55 and Retired – Older drivers may qualify for a discount up to 10% on Intrigue insurance.
It’s important to note that most discounts do not apply the the whole policy. Most only cut the price of certain insurance coverages like liability and collision coverage. Just because you may think all the discounts add up to a free policy, auto insurance companies aren’t that generous. Any qualifying discounts will help reduce your premiums.
To choose companies with discount auto insurance rates, click here to view.
Comprehensive Auto Insurance Comparison Quotes
Most companies such as State Farm, GEICO and Progressive allow you to get prices on the web. The process is quite easy as you just enter the amount of coverage you want into the quote form. When the form is submitted, their rating system collects credit information and your driving record and generates a price based on these factors. This helps simplify price comparisons, but having to visit multiple sites and fill out multiple forms can get tiresome after awhile. But it’s absolutely necessary to get many rate quotes in order to get lower prices.
An easier way to locate the lowest prices utilizes a single form that obtains quotes from several different companies. It saves time, helps eliminate reptitive entry, and makes price shopping online much more enjoyable. As soon as you send your information, your coverage is rated and you can choose your choice of the quote results.
If the quotes result in lower rates, it’s easy to complete the application and buy the new coverage. The whole process takes 15 minutes at the most and could lower your rates considerably.
In order to find out what other companies charge, click here and enter your information. If you currently have coverage, we recommend you type in coverages and limits exactly as they are listed on your policy. This ensures you are getting rate comparison quotes for the exact same coverage.
Factors determining your Oldsmobile Intrigue insurance premium
Consumers need to have an understanding of the rating factors that help determine your auto insurance rates. Knowing what controls the rates you pay helps enable you to make changes that can help you get big savings.
The following are some of the items that factor into your rates.
- Women pay lower rates – Statistics demonstrate women tend to be less risk to insure than men. However, don’t assume that women are BETTER drivers than men. Both sexes tend to get into accidents in similar percentages, but men cause more damage and cost insurance companies more money. Men also get more serious tickets like reckless driving and DUI.
- Mature drivers pay less – More mature drivers are more responsible, tend to file fewer claims and tend to be better behind the wheel. Teenage drivers tend to be more careless when driving and because of this, their auto insurance rates are much higher.
- Protect your assets with liability insurance – Your policy’s liability coverage provides coverage in the event that you are found liable for damages caused by your negligence. Liability provides for a legal defense which can be incredibly expensive. Liability is cheap as compared to coverage for physical damage, so do not cut corners here.
- Being married can save on auto insurance – Getting married helps lower the price on your policy. Having a spouse translates into being more mature than a single person it has been statistically shown that drivers who are married are more cautious.
- Rate your vehicle for proper use – The more you drive every year the higher your rate. Most insurance companies apply a rate based on how the vehicle is used. Cars that are left in the garage receive lower rates than vehicles that are driven to work every day. Verify your auto insurance policy is rated on the correct driver usage, because improper ratings can cost you money. If your policy improperly rates your Intrigue can cost quite a bit.
- Optional equipment can affect rates – Choosing a vehicle with a theft deterrent system can help lower your rates. Theft prevention features such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems can thwart car theft.
- High numbers of claims are not good – If you are a frequent claim filer, you can look forward to either a policy non-renewal or much higher rates. Insurance companies award cheaper rates to insureds who do not rely on their insurance for small claims. Auto insurance is intended for larger claims.
How do I know if I need professional advice?
When buying proper insurance coverage for your personal vehicles, there really is not a “best” method to buy coverage. Everyone’s situation is unique and a cookie cutter policy won’t apply. For example, these questions might point out if your insurance needs would benefit from an agent’s advice.
- Are my tools covered if they get stolen from my vehicle?
- Am I covered when driving on a suspended license?
- What is the minimum liability in my state?
- Which companies will insure high-risk drivers?
- Am I covered if I crash into my own garage door?
- Do I need rental car coverage?
- Is my Oldsmobile Intrigue covered for flood damage?
- Should I buy more coverage than the required minimum liability coverage?
- Does my medical payments coverage pay my health insurance deductible?
- What happens if I owe more than my Oldsmobile Intrigue is worth?
If you can’t answer these questions but you know they apply to you, you may need to chat with a licensed agent. If you want to speak to an agent in your area, take a second and complete this form or you can also visit this page to select a carrier It is quick, free and can provide invaluable advice.
Quote more, save more
When buying insurance coverage, it’s very important that you do not buy lower coverage limits just to save a few bucks. In too many instances, someone sacrificed uninsured motorist or liability limits only to find out that the small savings ended up costing them much more. Your goal should be to buy enough coverage at a price you can afford while still protecting your assets.
Cheaper Oldsmobile Intrigue insurance is definitely available online and also from your neighborhood agents, and you should be comparing both so you have a total pricing picture. Some insurance providers may not provide the ability to get a quote online and many times these small, regional companies only sell through independent insurance agents.
