1993 Oldsmobile Bravada Car Insurance Quotes

Searching for lower insurance coverage rates for your Oldsmobile Bravada? Have you fallen victim to overpriced insurance coverage? Trust us when we tell you there are lots of people in the same boat.

Insurance companies such as State Farm, Geico and Farmers Insurance increase brand awareness with TV and radio ads and it is difficult to ignore the flashy ads and do the work needed to find the best deal.

If you currently have a car insurance policy, you should be able to cut costs considerably using this information. Buying car insurance is not rocket science. But drivers must understand the way companies sell insurance online.

Insurance Coverage Comparison Rates

The are a couple different ways to compare quotes and find the best price. One of the best ways to compare 1993 Oldsmobile Bravada insurance prices is simply to get online rate quotes. It is quite easy and can be accomplished using a couple different methods.

  • One of the simplest ways to get quotes for comparison would be an industry-wide quote request form (click to open form in new window). This easy form eliminates the need for separate quotes to each individual insurance coverage company. One form gets rate comparisons from insurance coverage companies with the best prices.
  • A more time consuming way to find lower rates requires a trip to the website of each company and request a quote. For sake of this example, let’s assume you want comparison quotes from Geico, Progressive and State Farm. To find out each rate you need to go to every website to input your insurance information, and that’s why the first method is more popular. To view a list of companies in your area, click here.
  • The hardest way of comparing rate quotes is driving around to and from local insurance agencies. Shopping for insurance coverage online can eliminate the need for a local agent unless you want the personal advice only provided by licensed agents. You can, however, compare the best prices online and get advice from an agent in your area. We’ll cover that shortly.

Whichever way you use, compare the exact same information for every company. If you enter unequal deductibles or liability limits then you won’t be able to make an equal comparison. Slightly different coverages can make a big difference in price. Keep in mind that obtaining a wide range of quotes gives you a better chance of getting a lower rate.

Don’t overlook these discounts

Car insurance can cost a lot, but you can get discounts to help bring down the price. Certain discounts will be triggered automatically at the time you complete a quote, but less common discounts must be specifically requested before being credited.

  • Senior Discount – Older drivers can possibly qualify for better auto insurance rates for Bravada insurance.
  • Accident Free – Drivers with accident-free driving histories can earn big discounts when compared to frequent claim filers.
  • Discount for Good Grades – A discount for being a good student can save 20 to 25%. The discount lasts well after school through age 25.
  • Accident Waiver – A few companies allow you one accident without raising rates if you are claim-free prior to the accident.
  • Safe Driver Discount – Safe drivers can pay as much as 50% less for Bravada insurance than drivers with accident claims.
  • Multi-car Discount – Buying insurance for more than one vehicle on the same auto insurance policy qualifies for this discount.
  • Homeowners Savings – Owning a house can save you money due to the fact that maintaining a home shows financial diligence.

Drivers should understand that some credits don’t apply to the overall cost of the policy. Most only apply to the cost of specific coverages such as comp or med pay. So when it seems like you could get a free auto insurance policy, it just doesn’t work that way. Any qualifying discounts will bring down the amount you have to pay.

Car insurance companies who might offer these money-saving discounts include:

Double check with every prospective company which discounts you may be entitled to. Discounts might not be offered in every state.

Is my situation unique?

When choosing the right insurance coverage for your vehicles, there really is no one size fits all plan. Each situation is unique and your policy should reflect that. These are some specific questions can help discover if your insurance needs would benefit from professional advice.

  • Are my tools covered if they get stolen from my vehicle?
  • Should I bundle my homeowners policy with my auto?
  • Which companies will insure high-risk drivers?
  • Does my insurance cover a custom paint job?
  • Should I buy only the required minimum liability coverage?
  • Does my personal policy cover me when driving out-of-state?
  • Is my teenager covered with friends in the car?

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 don’t have a local agent, complete this form or you can go here for a list of companies in your area.

Parts of the Oldsmobile Bravada rate equation

An important part of buying insurance is that you know the factors that come into play when calculating the rates you pay for auto insurance. Understanding what controls the rates you pay helps enable you to make changes that can help you get much lower annual insurance costs.

The list below includes a few of the “ingredients” that factor into your rates.

  • High deductibles save money – Insurance for physical damage to your car, termed comprehensive and collision coverage on your policy, protects your Oldsmobile from damage. Some instances where coverage would apply are colliding with a building, vandalism, or theft. The deductibles are the amount of money you are required to spend out-of-pocket before your auto insurance pays a claim. The more you are required to pay out-of-pocket, the less your company will charge you for insurance for Bravada insurance.
  • Do you qualify for a multi-policy discount? – Some insurance companies provide better rates to policyholders who have multiple policies with them such as combining an auto and homeowners policy. Discounts can add up to 10 percent or more. If you currently are using one company, you may still want to shop around to ensure the best deal. Drivers may still find a better deal by buying auto insurance from a different company.
  • Liability coverage is cheap – The liability section of your policy is the coverage that protects you in the event that a jury decides you are liable for causing damage or personal injury in an accident. Liability insurance provides legal defense which can cost thousands of dollars. Liability is cheap compared to insuring for physical damage coverage, so do not skimp.
  • High crash test scores lower rates – Vehicles with good safety scores can get you lower premiums. Safer cars reduce injuries and fewer injuries translates into fewer and smaller insurance claims passed on to you as lower rates. If your Oldsmobile Bravada earned at least four stars on Safercar.gov or an “acceptable” rating on iihs.org you may qualify for a discount.
  • Never allow your policy to lapse – Allowing your auto insurance policy to lapse is a guaranteed way to pay more for auto insurance. And not only will your rates increase, but being ticketed for driving with no insurance can result in a steep fine or even jail time.
  • Are you male or female? – Statistics have proven that men are more aggressive behind the wheel. Now that doesn’t mean men are WORSE drivers than women. Men and women have accidents at a similar rate, but men tend to have more serious accidents. Men also have more aggressive citations like reckless driving and DUI.
  • Traffic citations inflate rates – Whether or not you get tickets has a big impact on rates. Good drivers have lower premiums than their less careful counterparts. Just one moving violation can increase rates by twenty percent. Drivers with dangerous tickets such as DWI, reckless driving or hit and run convictions are required to submit a SR-22 or proof of financial responsibility to the state department of motor vehicles in order to prevent a license revocation.
  • Occupation reflects on rates – Did you know that where you work can have an impact on rates? Jobs such as real estate brokers, executives and financial analysts are shown to have higher average rates due to high stress levels and long work hours. Conversely, occupations such as actors, engineers and performers pay the least for Bravada insurance.

Save $408 a year? Really?

Companies like Progressive, Allstate and Geico continually stream ads in print and on television. All the ads make the same claim that you can save after switching your policy. But how can every company claim to save you money?

All companies have a preferred profile for the type of driver that makes them money. For instance, a profitable customer could be over the age of 40, a clean driving record, and chooses high deductibles. A propective insured that hits that “sweet spot” will qualify for the lowest rates and as a result will probably save quite a bit of money when switching.

Consumers who do not match the “perfect” profile will be charged higher prices and this can result in the customer not buying. The ad wording is “drivers who switch” not “everybody who quotes” save that kind of money. That is how companies can advertise the way they do.

That is why it’s extremely important to get as many quotes as possible. It is impossible to predict the company that will provide you with the cheapest Oldsmobile Bravada insurance rates.

Coverages available on your car insurance policy

Learning about specific coverages of a car insurance policy aids in choosing appropriate coverage for your vehicles. Car insurance terms can be ambiguous and even agents have difficulty translating policy wording. Listed below are the usual coverages found on the average car insurance policy.

Comprehensive coverage (or Other than Collision)

This coverage pays for damage OTHER than collision with another vehicle or object. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims such as fire damage, damage from a tornado or hurricane and falling objects. The maximum amount you’ll receive from a claim is the ACV or actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Auto collision coverage

This coverage pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things such as scraping a guard rail, hitting a mailbox and colliding with another moving vehicle. This coverage can be expensive, so consider removing coverage from lower value vehicles. Drivers also have the option to bump up the deductible to save money on collision insurance.

Uninsured Motorist or Underinsured Motorist insurance

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other motorists when they are uninsured or don’t have enough coverage. It can pay for medical payments for you and your occupants and damage to your Oldsmobile Bravada.

Since a lot of drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is important protection for you and your family. Usually your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Liability coverages

Liability coverage protects you from injuries or damage you cause to other’s property or people. This insurance protects YOU against other people’s claims. It does not cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show policy limits of 25/50/25 that means you have $25,000 bodily injury coverage, $50,000 for the entire accident, and a limit of $25,000 paid for damaged property. Another option is one limit called combined single limit (CSL) which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability coverage pays for claims such as repair costs for stationary objects, medical expenses, loss of income, attorney fees and legal defense fees. How much coverage you buy is a personal decision, but you should buy as much as you can afford.

Insurance for medical payments

Medical payments and Personal Injury Protection insurance pay for immediate expenses like X-ray expenses, rehabilitation expenses, surgery, nursing services and EMT expenses. They are often used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. They cover you and your occupants in addition to any family member struck as a pedestrian. Personal Injury Protection is not universally available and gives slightly broader coverage than med pay

Smart consumers save more

While you’re price shopping online, make sure you don’t skimp on coverage in order to save money. There have been many cases where drivers have reduced full coverage and discovered at claim time that they should have had better coverage. Your focus should be to purchase a proper amount of coverage at an affordable rate.

Affordable 1993 Oldsmobile Bravada insurance can be bought online and with local insurance agents, and you need to price shop both so you have a total pricing picture. Some insurance companies do not offer the ability to get a quote online and many times these small insurance companies only sell through independent insurance agents.

We’ve covered quite a bit of information on how to reduce insurance prices online. It’s most important to understand that the more quotes you get, the higher your chance of finding lower rates. You may even discover the lowest premiums are with some of the lesser-known companies. Regional companies can often insure niche markets at a lower cost than the large multi-state companies such as State Farm or Progressive.

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