Cheap 1998 Oldsmobile Intrigue Insurance Quotes

Looking for better auto insurance rates for your Oldsmobile Intrigue? Finding better insurance prices for a new or used Oldsmobile Intrigue could be a lot of work, but you can learn these tips to save time.

There are both good and bad ways to buy auto insurance and we’ll show you the proper way to get price quotes for a Oldsmobile and locate the lowest possible price either online or from local insurance agents.

Pricing affordable auto insurance coverage is quite easy. If you have a policy now or are shopping for new coverage, you can learn to get lower rates while maintaining coverages. Drivers only need to know the tricks to compare company rates online.

How to lower your car insurance cost

Cutting your car insurance rates is not rocket science. You just have to invest a few minutes comparing free insurance quotes to find the company with inexpensive insurance quotes. Insurance prices can be quoted in just a few minutes using one of these methods.

  1. If you’re in a hurry, the quickest way to get quotes for comparison is to use a rate comparison form click here to open form in new window. This type of form keeps you from doing separate forms for every prospective company. Filling out one form will get you price quotes from multiple low-cost companies. This is by far the quickest method.
  2. A less efficient way to compare rate quotes is spending the time to visit each company website and get a separate price quote. For sake of this example, let’s say you need rates from State Farm, Esurance and Farmers. To get each rate you have to go to every website to enter your coverage information, which is why the first method is more popular. For a list of companies in your area, click here.
  3. Even if you have time, the least recommended way of getting rate comparisons is to drive around to local insurance agencies. Comparing rate quotes online eliminates this option unless you prefer the peace of mind that you can only get from talking to an agent. Although you can obtain prices from the web but buy from a local insurance agent.

It’s up to you which method you use, but make darn sure you compare apples-to-apples deductibles and coverage limits for every quote you compare. If you enter different values for each quote then you won’t be able to make an equal comparison.

Verify you’re applying every discount

Companies offering auto insurance don’t always publicize all possible discounts very clearly, so the list below details some of the best known in addition to some of the lesser obvious credits available to you.

  • Multi-Vehicle Discounts – Purchasing coverage when you have multiple cars on one policy qualifies for this discount.
  • ABS Brakes – Vehicles that have steering control and anti-lock brakes prevent accidents and the ABS can save up to 10%.
  • Buy New and Save – Buying a new car instead of a used car can save you some money since newer vehicles are generally safer.
  • Passive Restraints and Air Bags – Vehicles equipped with air bags can qualify for discounts of 20% or more.
  • Theft Prevention System – Cars and trucks with anti-theft systems are stolen with less frequency and will qualify for a discount on a insurance quote.
  • Seat Belt Discounts – Buckling up and requiring all passengers to buckle their seat belts can save 10% or more on the medical payments or PIP coverage costs.
  • Distant College Student Discount – Children who are enrolled in higher education away from home and won’t have access to an insured vehicle may qualify for this discount.
  • Drivers Education – Have your child participate in a local driver’s education class in high school.
  • Defensive Driver Discounts – Taking a safe driver course can save you 5% or more and make you a better driver.
  • Organization Discounts – Belonging to qualifying employment or professional organizations can get you a small discount on insurance coverage.

You should keep in mind that most discounts do not apply the the whole policy. Some only reduce specific coverage prices like comp or med pay. So when it seems like you would end up receiving a 100% discount, that’s just not realistic. But any discount will help lower your overall premium however.

To view companies who offer online insurance coverage quotes, click here.

When should I discuss my situation with an agent?

When it comes to buying coverage for your personal vehicles, there really is not a perfect coverage plan. Each situation is unique.

For example, these questions can aid in determining whether you would benefit from an agent’s advice.

  • How high should my medical payments coverage be?
  • Can I rate high risk drivers on liability-only vehicles?
  • Can I afford to buy a different vehicle if my 1998 Oldsmobile Intrigue is totaled?
  • Am I insured when driving a different vehicle?
  • What is high-risk coverage and where do I buy it?
  • Am I covered when delivering products for my home-based business?
  • Who is covered when they drive my 1998 Oldsmobile Intrigue?

If you’re not sure about those questions, you may need to chat with an agent. If you want to speak to an agent in your area, fill out this quick form. It is quick, free and may give you better protection.

Insurance coverage breakdown

Learning about specific coverages of your policy can help you determine the best coverages and proper limits and deductibles. Policy terminology can be difficult to understand and reading a policy is terribly boring.

Coverage for liability – Liability insurance can cover damages or injuries you inflict on other’s property or people that is your fault. It protects you against claims from other people. It does not cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You might see liability limits of 50/100/50 which stand for $50,000 bodily injury coverage, a total of $100,000 of bodily injury coverage per accident, and a limit of $50,000 paid for damaged property. Alternatively, you may have one limit called combined single limit (CSL) that pays claims from the same limit rather than limiting it on a per person basis.

Liability can pay for claims like attorney fees, medical expenses, repair bills for other people’s vehicles and medical services. How much liability coverage do you need? That is up to you, but buy as large an amount as possible.

Comprehensive coverage (or Other than Collision) – Comprehensive insurance pays for damage that is not covered by collision coverage. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims like fire damage, a broken windshield, vandalism, damage from a tornado or hurricane and hitting a bird. The highest amount a insurance company will pay at claim time is the market value of your vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Uninsured Motorist or Underinsured Motorist insurance – Uninsured or Underinsured Motorist coverage provides protection when other motorists either have no liability insurance or not enough. Covered claims include injuries to you and your family as well as damage to your Oldsmobile Intrigue.

Due to the fact that many drivers have only the minimum liability required by law, their limits can quickly be used up. For this reason, having high UM/UIM coverages is important protection for you and your family. Usually these limits are identical to your policy’s liability coverage.

Collision – Collision coverage will pay to fix damage to your Intrigue from colliding with another car or object. You will need to pay your deductible then your collision coverage will kick in.

Collision can pay for claims such as crashing into a ditch, hitting a mailbox, colliding with a tree and driving through your garage door. Collision is rather expensive coverage, so you might think about dropping it from lower value vehicles. Another option is to increase the deductible to bring the cost down.

Insurance for medical payments – Med pay and PIP coverage kick in for bills for things like funeral costs, surgery, pain medications, hospital visits and X-ray expenses. They can be used in conjunction with a health insurance plan or if there is no health insurance coverage. Coverage applies to not only the driver but also the vehicle occupants and also covers getting struck while a pedestrian. Personal injury protection coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Be a money saver!

Some car insurance companies don’t offer the ability to get quotes online and these regional insurance providers prefer to sell through independent agents. Low-cost 1998 Oldsmobile Intrigue insurance can be purchased online and from local insurance agents, and you need to comparison shop both to get a complete price analysis.

We just showed you many ideas to get a better price on 1998 Oldsmobile Intrigue insurance. The key concept to understand is the more rate quotes you have, the better chance you’ll have of finding affordable insurance. You may even find the lowest rates are with a small mutual company.

While you’re price shopping online, it’s a bad idea to reduce coverage to reduce premium. There have been many situations where someone dropped full coverage and discovered at claim time that the savings was not a smart move. Your focus should be to purchase a proper amount of coverage at the best possible price, but don’t skip important coverages to save money.

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