Save on 1997 Oldsmobile Bravada Insurance Rates

Overpriced Oldsmobile Bravada insurance can drain your checking account and put a big crunch on your finances. Shopping your coverage around is a smart way to reduce premiums and put more money in your pocket. Many car insurance companies vie for your hard-earned dollar, so it’s not easy to compare every insurer to find the lowest rate possible.

It’s a good idea to compare rates yearly due to the fact that insurance rates are constantly changing. Even if you think you had the best rates on Bravada insurance last year there is a good chance you can find better rates now. Starting now, ignore everything you know about insurance coverage because you’re going to learn the easiest way to find lower rates on insurance coverage.

Comprehensive Insurance Comparison

Lowering your 1997 Oldsmobile Bravada insurance rates can be relatively painless. You just need to take time getting comparison quotes provided by online insurance companies. This can be accomplished in a couple of different ways.

One of the simplest ways to find the lowest comparison rates is a comparison rater form like this one (opens in new window). This type of form eliminates the need for separate quotation requests for each company you want a rate for. One quote request will return quotes from several companies.

Another way to compare prices is going to the website for each individual company and complete a new quote form. For example, let’s say you want to compare Farmers, Esurance and Progressive. To find out each rate you need to go to every website to input your insurance information, which is why the first method is quicker.

For a list of links to companies insuring cars in your area, click here.

The most time-consuming way of comparing rate quotes is driving to local insurance agencies. Shopping for insurance online has reduced the need for local agents unless you prefer the personal advice of a local agent. It is possible to obtain prices from the web and still use a local agent and you’ll learn how to do that later.

It doesn’t matter which method you choose, just make sure you use identical information on every quote. If you enter unequal deductibles or liability limits you can’t possibly find the best deal for your Oldsmobile Bravada.

Tailor your coverage to you

When choosing adequate coverage, there is no single plan that fits everyone. Each situation is unique so this has to be addressed. For instance, these questions can help discover if you would benefit from professional advice.

  • Is my state a no-fault state?
  • How high should my medical payments coverage be?
  • I don’t drive much so do I pay less?
  • Am I covered if my car is in a flood?
  • When can my company non-renew my policy?
  • Am I covered when driving a rental car?
  • Do all my vehicles need collision coverage?

If you don’t know the answers to these questions but one or more may apply to you, you may need to chat with an insurance agent. If you don’t have a local agent, take a second and complete this form or go to this page to view a list of companies. It’s fast, free and you can get the answers you need.

Car insurance coverage information

Having a good grasp of a insurance policy can help you determine the best coverages for your vehicles. The coverage terms in a policy can be difficult to understand and even agents have difficulty translating policy wording. These are typical coverage types available from insurance companies.

Collision coverage protection

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

Collision insurance covers things such as backing into a parked car, colliding with a tree, driving through your garage door, hitting a mailbox and sustaining damage from a pot hole. This coverage can be expensive, so consider removing coverage from vehicles that are older. You can also choose a higher deductible to save money on collision insurance.

Comprehensive coverages

This will pay to fix damage that is not covered by collision coverage. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage pays for claims like hitting a bird, falling objects, rock chips in glass and hail damage. The maximum payout you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Uninsured and underinsured coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when the “other guys” do not carry enough liability coverage. It can pay for hospital bills for your injuries as well as damage to your Oldsmobile Bravada.

Since a lot of drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is a good idea.

Coverage for medical payments

Coverage for medical payments and/or PIP provide coverage for short-term medical expenses for things like surgery, rehabilitation expenses, hospital visits and doctor visits. They are often utilized in addition to your health insurance plan or if there is no health insurance coverage. Medical payments and PIP cover you and your occupants as well as getting struck while a pedestrian. PIP is not available in all states and gives slightly broader coverage than med pay

Auto liability

Liability coverage can cover damages or injuries you inflict on other’s property or people. This insurance protects YOU against claims from other people, and does not provide coverage for your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see policy limits of 50/100/50 which means a $50,000 limit per person for injuries, a per accident bodily injury limit of $100,000, and a limit of $50,000 paid for damaged property.

Liability coverage pays for things such as medical services, structural damage, legal defense fees and attorney fees. How much coverage you buy is your choice, but buy higher limits if possible.