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1996 Oldsmobile Achieva Insurance Rates

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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 ...

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UPDATED: Mar 6, 2020

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Finding better rates for insurance is a challenge for people who are new to buying insurance online. People have so many companies to choose from that it can quickly become a ton of work to compare prices.

If you have car insurance now, you should be able to reduce your rates substantially using these methods. Shopping for affordable protection is simple if you know the tricks. But vehicle owners need to have an understanding of the way companies price online insurance.

Save with discounts on 1996 Oldsmobile Achieva insurance

Insuring your vehicles can cost a lot, buy you may qualify for discounts that you may not know about. Some discounts apply automatically when you quote, but less common discounts must be requested specifically prior to getting the savings.

  • Air Bag Discount – Factory air bags or motorized seat belts can receive discounts of up to 25% or more.
  • Multi-policy Discount – When you have multiple policies with the same company you will save up to 20% off your total premium.
  • Driver Safety – Successfully completing a course in driver safety can save you 5% or more if your company offers it.
  • Save with a New Car – Insuring a new car can be considerably cheaper since new cars are generally safer.
  • Braking Control Discount – Vehicles equipped with ABS or steering control can avoid accidents and therefore earn up to a 10% discount.

Consumers should know that most of the big mark downs will not be given the whole policy. A few only apply to specific coverage prices like liability, collision or medical payments. So even though it sounds like all those discounts means the company will pay you, you won’t be that lucky. But all discounts will reduce your overall premium however.

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

Tailor your coverage to you

When it comes to choosing coverage for your vehicles, there really is not a “perfect” insurance plan. Everyone’s situation is unique.

These are some specific questions can aid in determining if you could use an agent’s help.

  • What are the financial responsibility laws in my state?
  • What is the ISO rating for a 1996 Oldsmobile Achieva?
  • Do I really need UM/UIM coverage?
  • Does coverage extend to my business vehicle?
  • Do I have any recourse if my insurance company denies a claim?
  • Is my 1996 Oldsmobile Achieva covered for flood damage?
  • Is my camper covered by my car insurance policy?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • Am I covered when driving a rental car?

If you don’t know the answers to these questions but a few of them apply, then you may want to think about talking to a licensed insurance agent. To find lower rates from a local agent, complete this form.

Free Auto Insurance Comparison

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

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Save 15 percent in 15 minutes? Is it for real?

Auto insurance companies such as State Farm and Allstate continually stream television and radio advertisements. They all seem to make the same claim about savings after switching your coverage to them. How can each company make almost identical claims? It’s all in the numbers.

Different companies can use profiling for the right customer that is profitable for them. An example of a driver they prefer might be over the age of 50, owns a home, and drives less than 10,000 miles a year. A customer that hits that “sweet spot” gets the lowest rates and as a result will probably save when switching.

Consumers who do not match these standards will be quoted higher rates and ends up with business going elsewhere. The ads state “customers that switch” not “everyone that quotes” save that much. That is how insurance companies can confidently claim big savings.

This emphasizes why you absolutely need to get as many comparisons as possible. It is impossible to predict which insurance companies will give you the biggest savings on Oldsmobile Achieva insurance.

Parts of your insurance policy

Understanding the coverages of your insurance policy aids in choosing which coverages you need for your vehicles. The terms used in a policy can be confusing and even agents have difficulty translating policy wording.

Liability insurance

Liability coverage will cover damage that occurs to people or other property in an accident. It protects you from claims by other people, and doesn’t cover damage sustained by your vehicle in an accident.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show policy limits of 100/300/100 which means $100,000 in coverage for each person’s injuries, a total of $300,000 of bodily injury coverage per accident, and a limit of $100,000 paid for damaged property. Alternatively, you may have one number which is a combined single limit which provides one coverage limit rather than limiting it on a per person basis.

Liability coverage pays for things like repair bills for other people’s vehicles, legal defense fees and pain and suffering. The amount of liability coverage you purchase is up to you, but you should buy as high a limit as you can afford.

Comprehensive or Other Than Collision

Comprehensive insurance will pay to fix damage OTHER than collision with another vehicle or object. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for things like fire damage, hitting a deer and vandalism. The maximum payout you’ll receive from a claim is the ACV or actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

UM/UIM Coverage

This gives you protection when other motorists are uninsured or don’t have enough coverage. This coverage pays for injuries to you and your family and damage to your Oldsmobile Achieva.

Since a lot of drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Frequently these coverages are similar to your liability insurance amounts.

Medical costs insurance

Med pay and PIP coverage reimburse you for immediate expenses such as surgery, pain medications, ambulance fees, X-ray expenses and rehabilitation expenses. They can be used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. It covers both the driver and occupants in addition to if you are hit as a while walking down the street. Personal injury protection coverage is not universally available and may carry a deductible

Coverage for collisions

Collision coverage pays for damage to your Achieva resulting from colliding with another car or object. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for things such as driving through your garage door, backing into a parked car, colliding with another moving vehicle and colliding with a tree. This coverage can be expensive, so consider removing coverage from older vehicles. It’s also possible to choose a higher deductible to save money on collision insurance.

Smart shoppers get results

In this article, we presented a lot of tips how to reduce 1996 Oldsmobile Achieva insurance prices online. The most important thing to understand is the more price quotes you have, the better your comparison will be. You may be surprised to find that the lowest priced car insurance comes from a company that doesn’t do a lot of advertising.

Affordable insurance is possible online in addition to many insurance agents, and you should compare price quotes from both to have the best chance of lowering rates. A few companies do not provide online price quotes and these small insurance companies work with independent agents.

As you shop your coverage around, it’s a bad idea to sacrifice coverage to reduce premiums. There are many occasions where consumers will sacrifice full coverage to discover at claim time that saving that couple of dollars actually costed them tens of thousands. The proper strategy is to find the BEST coverage at an affordable rate.

Helpful information

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