Compare 2004 Oldsmobile Alero Insurance Rates

Trying to find cheaper auto insurance rates for your Oldsmobile Alero? No one in their right mind looks forward to paying for auto insurance, in particular when the price is too high.

There is such a variety of car insurance companies to buy insurance from, and although it’s a good thing to be able to choose, lots of choices makes it harder to compare rates and cut insurance costs.

It’s smart to compare prices occasionally because insurance rates are constantly changing. If you had the lowest rates for Alero insurance a few years ago there is a good chance you can find better rates now. Starting right now, forget anything you know (or think you know) about auto insurance because you’re about to learn the right way to lower your annual insurance bill.

Finding affordable coverage is easy if you know what you’re doing. Basically, anyone who buys insurance will be able to find better rates. But car owners should learn how companies market insurance on the web and take advantage of how the system works.

The easiest way to compare rates is to know most insurance companies participate in online systems to provide you with free rate quotes. The one thing you need to do is take a few minutes to give details such as if you have an active license, daily mileage, what your job is, and level of coverage desired. Those rating factors is instantly provided to insurance companies and you receive quotes very quickly.

To compare rates now, click here and see if a lower rate is available.

Policy discounts you shouldn’t miss

Companies offering auto insurance don’t always publicize all available discounts very well, so the following is a list of both the well known and also the lesser-known discounts you could be receiving.

New Car Discount – Putting insurance coverage on a new car can cost up to 25% less since new cars are generally safer.
Discount for Good Grades – Performing well in school can save 20 to 25%. This discount can apply well after school through age 25.
Early Switch Discount – Some companies give discounts for buying a policy prior to your current policy expiration. It’s a savings of about 10%.
Memberships – Belonging to a qualifying organization is a good way to get lower rates on insurance for Alero insurance.
Anti-lock Brake System – Vehicles with anti-lock braking systems prevent accidents and therefore earn up to a 10% discount.
Homeowners Pay Less – Being a homeowner can help you save on insurance due to the fact that maintaining a home requires personal responsibility.
55 and Retired – If you qualify as a senior citizen, you may qualify for better insurance rates for Alero insurance.
Student in College – Youth drivers living away from home attending college without a vehicle on campus can be insured at a reduced rate.
Pay Now and Pay Less – By paying your policy upfront instead of monthly or quarterly installments you could save up to 5%.
Seat Belt Usage – Using a seat belt and requiring all passengers to buckle their seat belts could cut 10% or more off the personal injury premium cost.

As a disclaimer on discounts, most discounts do not apply to the entire policy premium. Most cut the price of certain insurance coverages like liability and collision coverage. So when it seems like you would end up receiving a 100% discount, companies don’t profit that way.

Companies that possibly offer these benefits include:

Check with all companies you are considering which discounts they offer. Discounts may not apply in every state.

Insurance agents can help

When it comes to buying proper insurance coverage, there isn’t really a one size fits all plan. Every situation is different and a cookie cutter policy won’t apply. Here are some questions about coverages that may help you determine whether your personal situation could use an agent’s help.

Is extra glass coverage worth it?
Is rental equipment covered for theft or damage?
Do I need replacement cost coverage on my 2004 Oldsmobile Alero?
Is my trailer covered?
How can I get my company to pay me more for my totalled car?
When should I buy a commercial auto policy?
Is my 2004 Oldsmobile Alero covered for smoke damage?
If I drive on a suspended license am I covered?
Should I rate my 2004 Oldsmobile Alero as pleasure use or commute?
What is the rate difference between pleasure use and commuting?

If you’re not sure about those questions but a few of them apply, you may need to chat with an agent. To find lower rates from a local agent, take a second and complete this form or click here for a list of auto insurance companies in your area.

What insurance coverages do you need?

Understanding the coverages of your policy helps when choosing which coverages you need for your vehicles. The terms used in a policy can be difficult to understand and nobody wants to actually read their policy. Shown next are the normal coverages available from insurance companies.

Uninsured and underinsured coverage

This protects you and your vehicle from other motorists when they are uninsured or don’t have enough coverage. Covered claims include hospital bills for your injuries and damage to your 2004 Oldsmobile Alero.

Since a lot of drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is a good idea.

Coverage for medical payments

Med pay and PIP coverage reimburse you for expenses for EMT expenses, prosthetic devices and chiropractic care. The coverages can be used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. Coverage applies to all vehicle occupants as well as if you are hit as a while walking down the street. Personal injury protection coverage is not an option in every state but can be used in place of medical payments coverage

Auto liability insurance

Liability coverage provides protection from damage that occurs to people or other property that is your fault. It protects YOU from claims by other people. Liability doesn’t cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have policy limits of 50/100/50 that means you have a limit of $50,000 per injured person, a limit of $100,000 in injury protection per accident, and a limit of $50,000 paid for damaged property.

Liability coverage protects against things like funeral expenses, emergency aid, court costs and attorney fees. How much liability coverage do you need? That is up to you, but it’s cheap coverage so purchase as large an amount as possible.

Comprehensive coverages

This coverage pays to fix your vehicle from damage from a wide range of events other than collision. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things such as hitting a deer, rock chips in glass, damage from getting keyed, a tree branch falling on your vehicle and theft. The maximum payout your insurance company will pay is the actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Coverage for collisions

This pays for damage to your Alero resulting from colliding with another car or object. You first must pay a deductible then your collision coverage will kick in.

Collision insurance covers claims like crashing into a building, hitting a parking meter, damaging your car on a curb, hitting a mailbox and sustaining damage from a pot hole. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. You can also choose a higher deductible in order to get cheaper collision rates.