Drivers have lots of choices when trying to find affordable Oldsmobile Intrigue insurance. You can either spend your time contacting agents trying to get quotes or save time using the internet to make rate comparisons. There is a right way and a wrong way to buy auto insurance and you need to know the quickest way to quote coverages for a new or used Oldsmobile and locate the lowest possible price.
It is always a good idea to compare rates before your policy renews because auto insurance prices are rarely the same from one policy term to another. Just because you had the lowest quotes for Intrigue insurance six months ago there is a good chance you can find better rates now. Forget all the misinformation about auto insurance because you’re about to find out how to use online quotes to buy cheaper auto insurance.
Finding affordable coverage is not rocket science. If you currently have car insurance, you stand a good chance to be able to save some money using these methods. Consumers just need to know the proper methods to compare prices online.
There are a lot of ways to compare car insurance quotes, but there is one way that is less labor-intensive and much quicker. You can spend countless hours driving to local insurance agents in your area, or you can stay home and use online quotes for quick rates.
Most car insurance companies belong to a marketplace that enables customers to send in one quote, and every company then gives them pricing based on that data. This system prevents you from having to do form submissions to each company.
To access this free quoting program, click here to open in new window.
The one downside to using this type of form is you can’t choose which insurance companies you will receive quotes from. If you would rather choose specific insurance companies to compare, we have a page of low cost car insurance companies in your area. Click to view list.
Compare rates however you want, just make sure you are using the exact same coverages on every quote. If your comparisons have different deductibles it will be impossible to decipher which rate is best.
When choosing adequate coverage for your vehicles, there isn’t really a one size fits all plan. Everyone’s situation is unique.
These are some specific questions might help in determining whether or not you will benefit from professional help.
If you don’t know the answers to these questions, then you may want to think about talking to a licensed insurance agent. If you want to speak to an agent in your area, simply complete this short form. It is quick, free and you can get the answers you need.
Learning about specific coverages of insurance can help you determine appropriate coverage and proper limits and deductibles. Policy terminology can be ambiguous and nobody wants to actually read their policy.
Liability insurance will cover damage that occurs to other people or property in an accident. It protects YOU from legal claims by others. Liability doesn’t cover damage sustained by your vehicle in an accident.
It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have policy limits of 100/300/100 which means $100,000 in coverage for each person’s injuries, a limit of $300,000 in injury protection per accident, and $100,000 of coverage for damaged propery.
Liability can pay for things such as structural damage, repair costs for stationary objects, funeral expenses and emergency aid. How much coverage you buy is up to you, but it’s cheap coverage so purchase as much as you can afford.
Comprehensive or Other Than Collision
Comprehensive insurance coverage pays to fix your vehicle from damage from a wide range of events other than collision. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.
Comprehensive can pay for things such as hitting a bird, rock chips in glass and damage from a tornado or hurricane. The maximum payout you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.
Your UM/UIM coverage provides protection when the “other guys” either are underinsured or have no liability coverage at all. This coverage pays for medical payments for you and your occupants as well as your vehicle’s damage.
Since a lot of drivers carry very low liability coverage limits, their limits can quickly be used up. This is the reason having UM/UIM coverage should not be overlooked.
Medical costs insurance
Medical payments and Personal Injury Protection insurance reimburse you for immediate expenses like X-ray expenses, nursing services, hospital visits and EMT expenses. The coverages can be utilized in addition to your health insurance policy or if you do not have health coverage. Medical payments and PIP cover all vehicle occupants in addition to getting struck while a pedestrian. Personal injury protection coverage is not universally available but can be used in place of medical payments coverage
Collision coverage protection
This covers damage to your Intrigue from colliding with an object or car. You will need to pay your deductible and then insurance will cover the remainder.
Collision coverage pays for things like crashing into a ditch, damaging your car on a curb, scraping a guard rail and sustaining damage from a pot hole. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. It’s also possible to bump up the deductible to save money on collision insurance.