I can’t think of a single person who cherishes buying car insurance, in particular when the price is too high.
There are many car insurance companies to choose from, and though it is a good thing to have multiple companies, so many choices can make it hard to compare rates.
You need to price shop coverage periodically because prices tend to go up over time. Despite the fact that you may have had the best price on Alero insurance on your last policy there is a good chance you can find better rates now. Forget anything you know (or think you know) about car insurance because we’re going to demonstrate the quickest way to buy cheaper car insurance.
Car Insurance Prices Online
All the larger car insurance companies quote prices for coverage online. Getting online quotes doesn’t take much effort as you simply type in into a form. Upon sending the form, the system obtains credit information and your driving record and generates pricing information determined by many factors. This helps simplify price comparisons, but the process of having to visit different websites and fill out multiple forms can get tiresome after awhile. But it’s absolutely necessary to perform this step if you want to find the lowest price.
The preferred way to locate the lowest prices is to use a quote form that obtains quotes from a lot of companies. It’s a real time-saver, requires less work, and makes comparison shopping much more enjoyable. Immediately after submitting the form, it is quoted with multiple companies and you can pick your choice of the pricing results. If the quotes result in lower rates, you can click and sign and buy the policy. It takes just a few minutes to complete and could lower your rates considerably.
To quickly compare rates using this form now, click here to open in new window and submit the form. If you currently have coverage, we recommend you enter the coverage information identical to your current policy. This helps ensure you will have an apples-to-apples comparison for exact coverage.
Don’t overlook these seven discounts
Companies offering auto insurance don’t list every available discount in an easy-to-find place, so we researched both the well known and the harder-to-find ways to save on car insurance.
- Distant Student – Kids in college who attend school more than 100 miles from home without a vehicle on campus can receive lower rates.
- New Vehicle Savings – Buying coverage on a new vehicle is cheaper because new vehicles have to meet stringent safety requirements.
- Passive Restraints – Factory air bags and/or automatic seat belt systems may earn rate discounts up to 30%.
- Accident Waiver – A handful of insurance companies allow you one accident without raising rates if you are claim-free for a certain period of time.
- Theft Prevention System – Vehicles equipped with anti-theft or alarm systems prevent vehicle theft and therefore earn up to a 10% discount.
- Early Signing – A few companies offer discounts for switching policies before your current expiration date. This can save 10% or more.
- Seat Belt Usage – Requiring all passengers to wear their seat belts can save 10% or more off your medical payments premium.
Keep in mind that some of the credits will not apply to your bottom line cost. The majority will only reduce the cost of specific coverages such as physical damage coverage or medical payments. So even though they make it sound like you would end up receiving a 100% discount, it just doesn’t work that way.
For a list of companies with discount car insurance rates, follow this link.
Everyone needs different coverages
When it comes to choosing proper insurance coverage for your personal vehicles, there isn’t really a “best” method to buy coverage. Every insured’s situation is different and a cookie cutter policy won’t apply. For example, these questions may help highlight whether you would benefit from professional advice.
- Is a new car covered when I drive it off the dealer lot?
- Does my policy pay for OEM or aftermarket parts?
- Am I covered when driving a rental car?
- Why am I be forced to buy a membership to get insurance from some companies?
- When should I not file a claim?
- Is business equipment covered while in my vehicle?
- Is my vehicle covered by my employer’s policy when using it for work?
- Where can I get insurance after a DUI in my state?
- Does my personal policy cover me when driving my company car?
- Can I pay claims out-of-pocket if I buy high deductibles?
If it’s difficult to answer those questions but you think they might apply to your situation then you might want to talk to an insurance agent. To find an agent in your area, complete this form or go to this page to view a list of companies.
Won’t my local insurance agent miss me?
Some people would rather sit down with an agent. The biggest benefit of getting online price quotes is that you can obtain the lowest rates and still choose a local agent.
After completing this quick form, the quote information is emailed to companies who will return price quotes to get your business. There is no reason to leave your computer because quoted prices will be sent to your email. How’s that for easy! Get lower rates and a licensed agent to work with.
Selecting a company should depend on more than just a cheap price. Any agent should have no problem answering these questions:
- Is assistance available after office hours?
- What insurance companies do they recommend if they are an independent agent?
- What will you get paid if your car is a total loss? How is that amount determined?
- How long has their agency been in business?
- Can they provide you with a list of referrals?
- How are claims handled?
To view a list of agents in your state to contact, visit this site.
Upon getting satisfactory answers to your questions in addition to an acceptable price estimate, you’ve probably found a company that will adequately provide car insurance.
Car insurance coverage breakdown
Having a good grasp of your policy helps when choosing which coverages you need and proper limits and deductibles. Car insurance terms can be impossible to understand and nobody wants to actually read their policy. Shown next are typical coverage types found on the average car insurance policy.
Liability insurance – This coverage can cover damage or injury you incur to other’s property or people by causing an accident. This insurance protects YOU against claims from other people. Liability doesn’t cover your injuries or vehicle damage.
Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see values of 100/300/100 which stand for a limit of $100,000 per injured person, a per accident bodily injury limit of $300,000, and $100,000 of coverage for damaged propery.
Liability coverage protects against claims like loss of income, medical expenses, bail bonds, emergency aid and medical services. How much coverage you buy is your choice, but consider buying as large an amount as possible.
Medical expense insurance – Personal Injury Protection (PIP) and medical payments coverage reimburse you for expenses such as ambulance fees, nursing services, surgery and hospital visits. The coverages can be utilized in addition to your health insurance policy or if you do not have health coverage. It covers all vehicle occupants as well as being hit by a car walking across the street. Personal injury protection coverage is not an option in every state but can be used in place of medical payments coverage
Collision coverages – This covers damage to your Alero caused by collision with an object or car. You will need to pay your deductible and then insurance will cover the remainder.
Collision can pay for claims such as sideswiping another vehicle, colliding with another moving vehicle, crashing into a building and damaging your car on a curb. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from lower value vehicles. It’s also possible to bump up the deductible in order to get cheaper collision rates.
Protection from uninsured/underinsured drivers – This coverage provides protection from other drivers when they either have no liability insurance or not enough. Covered losses include medical payments for you and your occupants and also any damage incurred to your Oldsmobile Alero.
Since a lot of drivers carry very low liability coverage limits, their limits can quickly be used up. So UM/UIM coverage is very important.
Comprehensive (Other than Collision) – This covers damage from a wide range of events other than collision. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive coverage pays for things such as damage from a tornado or hurricane, falling objects and a broken windshield. The highest amount you can receive from a comprehensive claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.
And the best car insurance company is…
You just learned some good ideas how to reduce Oldsmobile Alero insurance prices online. The key thing to remember is the more rate quotes you have, the better your chances of lowering your rates. You may be surprised to find that the best prices are with a company that doesn’t do a lot of advertising. Some small companies may often insure only within specific states and give getter rates as compared to the big name companies such as Allstate and Progressive.
Cheap Oldsmobile Alero insurance is definitely available online and also from your neighborhood agents, and you should compare price quotes from both to have the best chance of lowering rates. A few companies may not provide you the ability to get quotes online and usually these small insurance companies provide coverage only through local independent agents.
