1. Vehicles
  2. Oldsmobile
  3. Achieva
  4. 1994 Model Year

1994 Oldsmobile Achieva Insurance Rates

Enter your zip code below to view companies that have cheap auto insurance rates.

Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

Full Bio →

Written by

UPDATED: Mar 6, 2020

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Trying to find lower insurance rates for your Oldsmobile Achieva? Have you fallen victim to high-priced insurance? Trust us when we tell you you are not the only one feeling buyer’s remorse. Online insurance companies like State Farm, Progressive and GEICO increase brand awareness with fancy advertisements and it is difficult to see through the cute green geckos and mayhem and take the time to shop coverage around.

Consumers need to shop coverage around every six months because prices fluctuate regularly. Just because you found the best deal on Achieva insurance six months ago you can probably find a lower rate today. Forget all the misinformation about insurance because you’re about to learn the best methods to get good coverage at a lower rate.

If you have insurance now or are shopping for new coverage, you will benefit by learning to reduce the price you pay and possibly find even better coverage. Choosing the best insurance company for you is not rocket science. Drivers only need to know the tricks to compare rates online.

Insurance Comparison Rates

Shopping for lower insurance rates can take time and effort if you don’t know the easiest way. You could spend the better part of a day discussing policy coverages with agents in your area, or you could save time and use online quoting to accomplish the same thing much quicker.

Many insurance companies enroll in a system where prospective buyers enter their policy data once, and at least one company can provide price quotes based on the submitted data. This system prevents you from having to do quotation requests for each company. To enter your information into the quoting system, click here (opens in new window).

The one disadvantage to comparing rates this way is you don’t know exactly which companies to get pricing from. If you prefer to choose individual companies to request quotes from, we put together a list of companies who write insurance in your area. View list of insurance companies.

However you get your quotes, make absolute certain that you use exactly the same coverages and limits for each price quote. If each company quotes different liability limits it’s impossible to make an equal comparison.

Save on 1994 Oldsmobile Achieva insurance

Companies don’t always advertise all their discounts in a way that’s easy to find, so we break down some of the best known and the harder-to-find car insurance savings. If you aren’t receiving every discount available, you are paying more than you should be.

  • Sign Early and Save – Some insurance companies reward drivers for buying a policy before your current policy expires. It can save you around 10%.
  • Sign Online – Some insurance companies give back up to $50 for buying your policy over the internet.
  • Good Students Pay Less – This discount can get you a discount of up to 25%. Earning this discount can benefit you until age 25.
  • Anti-lock Brake Discount – Anti-lock brake equipped vehicles can reduce accidents and qualify for as much as a 10% discount.
  • Multi-car Discount – Insuring more than one vehicle on one policy qualifies for this discount.
  • Payment Discounts – If you pay your entire premium ahead of time instead of paying each month you could save up to 5%.
  • Seat Belts Save more than Lives – Drivers who require all occupants to wear their seat belts can save up to 15% off the personal injury premium cost.
  • Low Mileage Discounts – Low mileage vehicles can earn a substantially lower rate.
  • Passive Restraint Discount – Vehicles with factory air bags and/or automatic seat belt systems can get savings up to 30%.
  • Multi-policy Discount – If you insure your home and vehicles with one company you may earn 10% to 20% off each policy.

Drivers should understand that most credits do not apply the whole policy. The majority will only reduce the cost of specific coverages such as comp or med pay. So when it seems like adding up those discounts means a free policy, it just doesn’t work that way.

A partial list of companies that may have these benefits include:

Check with every prospective company which discounts they offer. Discounts might not apply in every state.

Free Auto Insurance Comparison

Enter your zip code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

Tailor your coverage to you

When it comes to choosing the right insurance coverage, there isn’t really a “perfect” insurance plan. Everyone’s situation is a little different so your insurance needs to address that. For instance, these questions can aid in determining whether you might need an agent’s assistance.

  • When should I drop full coverage on my 1994 Oldsmobile Achieva?
  • I have a DUI can I still get coverage?
  • Where can I find DUI or SR-22 insurance?
  • Do I benefit by insuring my home with the same company?
  • What discounts do I qualify for?
  • Do I have coverage for damage caused while driving under the influence?

If you don’t know the answers to these questions but a few of them apply, you may need to chat with a licensed agent. If you want to speak to an agent in your area, complete this form or you can also visit this page to select a carrier It only takes a few minutes and can provide invaluable advice.

Impacting insurance rates for an Oldsmobile Achieva

It’s important that you understand the rating factors that go into determining car insurance rates. Knowing what influences your rates helps enable you to make changes that may reward you with big savings.

  • Drive less and save money – The more miles you rack up on your Oldsmobile in a year’s time the more you’ll pay to insure your vehicle. Most insurance companies price each vehicle’s coverage determined by how the vehicle is used. Autos used primarily for pleasure use get more affordable rates than vehicles that are driven to work every day. Double check that your car insurance policy is rated on how each vehicle is driven. Incorrect usage on your Achieva may be wasting your money.
  • Protect your assets with liability insurance – Liability insurance provides coverage in the event that a court rules you are at fault for damages caused by your negligence. Liability provides you with a defense in court which can cost thousands of dollars. Liability is cheap compared to physical damage coverage, so do not skimp.
  • Sex matters – Statistics have proven that men are more aggressive behind the wheel. However, this does not mean women are better drivers. They both tend to get into accidents at a similar rate, but men have costlier accidents. Men also get more serious tickets such as reckless driving. Male drivers age 16 to 19 are most likely to cause an accident and are penalized with high car insurance rates.
  • Rural vs Urban Areas – Choosing to live in small towns and rural areas has it’s advantages when insuring your vehicles. Urban drivers regularly have congested traffic and longer commutes to work. Fewer people means fewer accidents as well as less vandalism and auto theft.
  • With age comes lower rates – Teenage drivers are known to be more careless when driving so car insurance rates are higher. If you’ve ever had to add a teenage driver to your car insurance policy can be very expensive. More mature drivers are viewed as being more responsible, statistically cause fewer accidents and get fewer tickets.

How can State Farm, GEICO and Progressive save drivers who switch?

Consumers constantly see and hear ads for cheaper car insurance from the likes of State Farm, GEICO and Progressive. All the companies make an identical promise about savings if you change your coverage to them.

How do they all make almost identical claims?

Different companies can use profiling for the right customer that earns them a profit. An example of a preferred risk could be a mature driver, a clean driving record, and has a high credit rating. Any new insured who meets those qualifications will qualify for the lowest rates and therefore will pay quite a bit less when switching companies.

Consumers who fall outside these standards will have to pay a more expensive rate which leads to business not being written. The ads say “people who switch” not “everyone that quotes” save that kind of money. That is how insurance companies can claim big savings. Because of the profiling, you absolutely need to get as many quotes as possible. You cannot predict the company that will fit your personal profile best.

Auto insurance policy specifics

Knowing the specifics of your policy can help you determine the right coverages for your vehicles. The terms used in a policy can be confusing and nobody wants to actually read their policy. Listed below are typical coverages offered by auto insurance companies.

Protection from uninsured/underinsured drivers

Your UM/UIM coverage gives you protection from other drivers when they do not carry enough liability coverage. This coverage pays for injuries sustained by your vehicle’s occupants as well as damage to your Oldsmobile Achieva.

Since many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. For this reason, having high UM/UIM coverages is a good idea.

Medical expense insurance

Coverage for medical payments and/or PIP pay for expenses for things like doctor visits, nursing services, chiropractic care and hospital visits. They are often used in conjunction with a health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover you and your occupants and will also cover getting struck while a pedestrian. Personal Injury Protection is not an option in every state and gives slightly broader coverage than med pay

Liability coverage

Liability coverage protects you from damage that occurs to a person or their property. This coverage protects you against other people’s claims, and does not provide coverage for damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. As an example, you may have policy limits of 25/50/25 that means you have a $25,000 limit per person for injuries, $50,000 for the entire accident, and a limit of $25,000 paid for damaged property.

Liability insurance covers things like loss of income, repair costs for stationary objects, repair bills for other people’s vehicles and funeral expenses. How much liability should you purchase? That is a decision to put some thought into, but it’s cheap coverage so purchase higher limits if possible.

Comprehensive (Other than Collision)

This 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 insurance covers things like falling objects, hitting a bird, a broken windshield, rock chips in glass and hail damage. The maximum payout your auto insurance company will pay is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Collision coverage protection

This will pay to fix damage to your Achieva caused by collision with another vehicle or an object, but not an animal. A deductible applies then the remaining damage will be paid by your insurance company.

Collision insurance covers claims like crashing into a building, rolling your car, colliding with a tree, sustaining damage from a pot hole and driving through your garage door. Paying for collision coverage can be pricey, so you might think about dropping it from lower value vehicles. You can also increase the deductible to get cheaper collision coverage.

One last thing about your coverage

Low-cost 1994 Oldsmobile Achieva insurance is available online in addition to many insurance agents, and you should be comparing both in order to have the best chance of saving money. Some insurance providers do not provide the ability to get a quote online and most of the time these small, regional companies sell through independent agents.

When buying insurance coverage, you should never reduce needed coverages to save money. There are a lot of situations where drivers have reduced physical damage coverage only to discover later that saving that couple of dollars actually costed them tens of thousands. The proper strategy is to buy enough coverage at the best price.

Other resources

Use our FREE quote tool to compare rates now!

Free Auto Insurance Comparison

Enter your zip code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

You May Also Enjoy These Articles