2003 Oldsmobile Alero Insurance Quotes

Are you tired of scraping the payment together to buy car insurance? You are no different than many other consumers. Drivers have so many insurance companies to choose from, and although it’s a good thing to be able to choose, too many choices makes it more difficult to compare rates and find the lowest cost insurance coverage.

It’s a good habit to get comparison quotes once or twice a year because rates are usually higher with each renewal. Even if you got the lowest rates on Alero coverage a few years ago you can probably find a lower rate today. Forget all the misinformation about insurance coverage because you’re about to learn the only way to find the best coverage while lowering your premiums.

Locating the best auto insurance coverage is quite easy. If you are insured now or need new coverage, you can use these tips to find the best rates while maximizing coverage. Drivers just need to understand the proper way to get comparison rates online.

Vehicle Insurance Comparison

Shopping for lower insurance rates can be a daunting task if you don’t utilize the easiest way. You could spend your day talking to agents in your area, or you could use the web to get prices fast.

Many insurance companies are enrolled in a marketplace where prospective buyers enter their policy data once, and each company can provide price quotes based on that information. This eliminates the need for repetitive form submissions for every insurance company.

To access this free quoting program, click here (opens in new window).

The one disadvantage to getting quotes like this is buyers cannot specifically choose which insurance companies you will receive quotes from. If you wish to select specific insurance companies to compare prices, we have a listing of low cost insurance companies in your area. Click to view list.

It’s up to you how you get prices quotes, just make absolute certain that you use the exact same coverages for every quote you compare. If you use different limits and deductibles on each one it will be next to impossible to determine the best price for your Oldsmobile Alero.

Don’t miss out on these money-saving discounts

Insurance can cost an arm and a leg, but you may find discounts that can drop the cost substantially. Some discounts apply automatically at quote time, but some must be specially asked for before you get the savings. If they aren’t giving you every credit you qualify for, you’re just leaving money on the table.

  • College Student – Youth drivers who live away from home and don’t have a car may qualify for this discount.
  • Federal Employees – Simply working for the federal government could cut as much as 10% off on Alero coverage depending on your company.
  • New Car Discount – Insuring a new car is cheaper since new cars are generally safer.
  • Low Mileage – Low mileage vehicles can qualify you for discounted rates on garaged vehicles.
  • Theft Prevention System – Vehicles with anti-theft systems help deter theft and therefore earn up to a 10% discount.
  • Sign Online – A handful of insurance companies may give you up to $50 for buying your policy online.
  • Life Insurance – Larger companies have lower rates if you buy a life insurance policy as well.
  • Defensive Driving Course – Completing a course teaching defensive driving skills could possibly earn you a 5% discount depending on where you live.

Consumers should know that many deductions do not apply to all coverage premiums. Most cut specific coverage prices like comprehensive or collision. So when the math indicates all those discounts means the company will pay you, you won’t be that lucky. Any amount of discount will bring down your premiums.

For a list of insurers offering car insurance discounts, click this link.

Do I need special coverages?

When it comes to choosing the best car insurance coverage, there really is no perfect coverage plan. Every insured’s situation is different so this has to be addressed. For instance, these questions may help you determine whether you may require specific advice.

  • Am I insured when driving a different vehicle?
  • Should I waive the damage coverage when renting a car?
  • What is covered by UM/UIM coverage?
  • How can I get my company to pay me more for my totalled car?
  • Is other people’s property covered if stolen from my vehicle?
  • Where can I find high-risk insurance?
  • Should I have a commercial auto policy?
  • Who is covered when they drive my 2003 Oldsmobile Alero?
  • Am I covered when driving in Canada or Mexico?
  • Can I afford low physical damage deductibles?

If you can’t answer these questions but you know they apply to you, you may need to chat with an agent. If you don’t have a local agent, complete this form or click here for a list of car insurance companies in your area. It’s fast, doesn’t cost anything and may give you better protection.

Auto insurance coverage specifics

Learning about specific coverages of a auto insurance policy can be of help when determining the right coverages and proper limits and deductibles. The terms used in a policy can be impossible to understand and coverage can change by endorsement. Below you’ll find the usual coverages found on the average auto insurance policy.

Comprehensive coverage (or Other than Collision) – This coverage will pay to fix damage from a wide range of events other than collision. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims like falling objects, damage from getting keyed, hitting a bird and vandalism. The maximum amount you’ll receive from a claim is the actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Uninsured Motorist or Underinsured Motorist insurance – This coverage protects you and your vehicle from other drivers when they either are underinsured or have no liability coverage at all. Covered claims include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since 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. Normally your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Coverage for liability – This coverage provides protection from damage that occurs to other’s property or people that is your fault. This insurance protects YOU from claims by other people, and doesn’t cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have values of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, a limit of $100,000 in injury protection per accident, and $50,000 of coverage for damaged propery. Another option is a combined single limit or CSL which provides one coverage limit rather than limiting it on a per person basis.

Liability coverage pays for things like loss of income, funeral expenses and legal defense fees. How much coverage you buy is a personal decision, but it’s cheap coverage so purchase as high a limit as you can afford.

Collision coverage – Collision coverage pays for damage to your Alero from colliding with another car or object. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against things such as hitting a parking meter, backing into a parked car, damaging your car on a curb, rolling your car and sustaining damage from a pot hole. This coverage can be expensive, so consider removing coverage from vehicles that are older. Drivers also have the option to bump up the deductible to save money on collision insurance.

Insurance for medical payments – Med pay and PIP coverage pay for expenses for surgery, ambulance fees, prosthetic devices, doctor visits and hospital visits. They are utilized in addition to your health insurance program or if you do not have health coverage. Coverage applies to both the driver and occupants in addition to if you are hit as a while walking down the street. Personal Injury Protection is not an option in every state but it provides additional coverages not offered by medical payments coverage