2000 Oldsmobile Intrigue Insurance Rates – 9 Discounts for Cheaper Quotes

Searching for lower insurance rates for your Oldsmobile Intrigue? Are you a victim of overpriced insurance? Believe me, many consumers are feeling buyer’s remorse and feel like there’s no way out.

Having so many options, it can be impossible to find the right provider.

It’s a good habit to do rate comparisons before your policy renews due to the fact that insurance rates change regularly. Just because you had the best price on Intrigue insurance six months ago there may be better deals available now. There is too much inaccurate information about insurance online but with this article, you’re going to get some solid techniques on how to put money back in your pocket.

Finding more affordable auto insurance is quite easy. Basically, everyone who has to buy auto insurance will most likely be able to lower their premiums. But vehicle owners must comprehend how the larger insurance companies compete online and apply this information to your search.

Where Can I Get Cheap Auto Insurance?

Performing a rate comparison can be a daunting task if you don’t utilize the easiest way. You could waste time talking to insurance companies in your area, or you could use online quoting to get prices fast.

All the larger companies enroll in a system where prospective buyers complete one form, and each company returns a rated price based on the submitted data. This eliminates the need for quote requests for each company you want a rate for.

To compare 2000 Oldsmobile Intrigue rates using this form now click here (opens in new window).

The single downside to getting quotes like this is you cannot specify which carriers to get quotes from. So if you prefer to choose specific providers to compare prices, we put together a list of low cost auto insurance companies in your area. Click here for list of insurance companies.

It’s your choice how you get your quotes, but make darn sure you compare apples-to-apples coverage limits and deductibles for every quote you compare. If you use different deductibles it will be next to impossible to decipher which rate is best. Having just a slight variation in coverages may cause a big price difference. Keep in mind that getting more free quotes helps you find a better price.

Buyer beware of insurance coverage advertising tricks

Insurance coverage companies such as Progressive, Allstate and Geico consistently run television and radio advertisements. They all seem to make an identical promise about savings if you change your policy. But how can every company make the same claim?

Insurance companies have a certain “appetite” for the type of customer they prefer to insure. An example of a desirable insured might be profiled as between the ages of 30 and 50, has no tickets, and drives less than 7,500 miles a year. Any new insured who fits that profile is entitled to the best price and most likely will save when switching.

Drivers who are not a match for the requirements will be charged a higher premium which usually ends up with the driver buying from a lower-cost company. The ads say “customers that switch” but not “drivers who get quotes” save that kind of money. That’s the way companies can make those claims.

That is why drivers must compare many company’s rates. It’s not possible to predict the company that will give you the biggest savings on Oldsmobile Intrigue insurance.

How to save on 2000 Oldsmobile Intrigue insurance

Insurance can cost an arm and a leg, but there could be available discounts to cut the cost considerably. Larger premium reductions will be automatically applied at quote time, but less common discounts must be asked about prior to receiving the credit.

  • Low Mileage – Driving fewer miles can qualify you for lower rates on the low mileage vehicles.
  • Multiple Cars – Buying insurance for all your vehicles with the same company could earn a price break for each car.
  • Senior Citizens – Older drivers may qualify for reduced rates on Intrigue insurance.
  • Club Memberships – Belonging to a qualifying organization could trigger savings when shopping for auto insurance on Intrigue insurance.
  • Passive Restraints and Air Bags – Cars that have air bags or motorized seat belts can get savings of up to 25% or more.
  • Own a Home – Being a homeowner can help you save on auto insurance because of the fact that having a home shows financial diligence.
  • Good Student – Performing well in school can save 20 to 25%. This discount can apply up to age 25.
  • Save with a New Car – Insuring a new car can be considerably cheaper compared to insuring an older model.
  • Pay Now and Pay Less – By paying your policy upfront instead of making monthly payments you may reduce your total bill.

It’s important to note that many deductions do not apply to the entire policy premium. Some only reduce the price of certain insurance coverages like comp or med pay. Just because it seems like it’s possible to get free car insurance, companies wouldn’t make money that way. Any amount of discount will help reduce the cost of coverage.

For a list of providers with the best auto insurance discounts, click here.

Tailor your coverage to you

When choosing adequate coverage for your vehicles, there really is no “best” method to buy coverage. Everyone’s situation is a little different so your insurance needs to address that. These are some specific questions might point out if your situation might need professional guidance.

  • Do I need roadside assistance coverage?
  • What can I do if my company won’t pay a claim?
  • Can I get a multi-policy discount?
  • Does my policy cover me when driving someone else’s vehicle?
  • Is my business laptop covered if it gets stolen from my vehicle?
  • What is PIP insurance?
  • If my 2000 Oldsmobile Intrigue is totaled, can I afford another vehicle?

If you don’t know the answers to these questions but you think they might apply to your situation, you may need to chat with an agent. If you don’t have a local agent, fill out this quick form or click here for a list of auto insurance companies in your area.

Information about specific coverages

Having a good grasp of a insurance policy helps when choosing the right coverages at the best deductibles and correct limits. The terms used in a policy can be difficult to understand and reading a policy is terribly boring. Below you’ll find typical coverage types found on most insurance policies.

Medical payments coverage and PIP – Coverage for medical payments and/or PIP provide coverage for short-term medical expenses for hospital visits, doctor visits, surgery and pain medications. They are often used in conjunction with a health insurance policy or if you lack health insurance entirely. Coverage applies to you and your occupants and also covers getting struck while a pedestrian. PIP is not available in all states and gives slightly broader coverage than med pay

Collision coverages – Collision coverage pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers things such as rolling your car, sideswiping another vehicle, damaging your car on a curb and backing into a parked car. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are older. You can also bump up the deductible in order to get cheaper collision rates.

Comprehensive coverage – Comprehensive insurance pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage pays for claims like falling objects, hail damage, vandalism and theft. The maximum 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/Underinsured Motorist coverage – Your UM/UIM coverage gives you protection when the “other guys” are uninsured or don’t have enough coverage. Covered losses include injuries sustained by your vehicle’s occupants and damage to your Oldsmobile Intrigue.

Since a lot of drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is very important. Most of the time these coverages are similar to your liability insurance amounts.

Auto liability insurance – Liability insurance protects you from damage that occurs to a person or their property in an accident. It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see limits of 50/100/50 which means $50,000 in coverage for each person’s injuries, $100,000 for the entire accident, and property damage coverage for $50,000. Occasionally you may see one limit called combined single limit (CSL) which provides one coverage limit and claims can be made without the split limit restrictions.

Liability can pay for things like repair costs for stationary objects, pain and suffering and court costs. How much liability should you purchase? That is your choice, but consider buying as high a limit as you can afford.

Save your hard earned cash

We covered some good ideas how you can compare 2000 Oldsmobile Intrigue insurance prices online. The key concept to understand is the more you quote, the more likely it is that you will get a better rate. Consumers may even find the lowest priced auto insurance comes from the least-expected company. Regional companies may have significantly lower rates on certain market segments than the large multi-state companies such as Allstate and Progressive.

Cheaper insurance is attainable from both online companies and with local insurance agents, so you should compare both so you have a total pricing picture. Some companies do not offer you the ability to get quotes online and usually these regional insurance providers provide coverage only through local independent agents.

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