1999 Oldsmobile Aurora Insurance Rates
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UPDATED: Nov 17, 2021
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Want better insurance rates for your Oldsmobile Aurora? Having to pay for overpriced insurance can overdraw your savings account and put the squeeze on your family’s finances. Doing a price comparison is free, only takes a few minutes, and is a good way to cut your insurance bill. Consumers have many insurance companies to pick from, and even though it’s nice to be able to choose, having more insurance companies makes it harder to find a good deal.
The fastest way that we advise to compare rate quotes takes advantage of the fact auto insurance companies actually pay money for the chance to give rate comparisons. All consumers are required to do is give the companies some data such as marital status, if your license is active, how old drivers are, and if the car is leased. Your insurance information is then sent to insurance carriers in your area and they provide comparison quotes almost instantly.
Don’t overlook these ten discounts
Companies don’t necessarily list all their discounts very well, so we took the time to find some of the more common and the more hidden insurance savings. If you don’t get every credit possible, you’re paying more than you need to.
- Claim Free – Good drivers with no accidents pay less when compared with accident-prone drivers.
- Pay Upfront and Save – If you pay your bill all at once instead of monthly or quarterly installments you could save up to 5%.
- Anti-theft System – Anti-theft and alarm systems are stolen less frequently and therefore earn up to a 10% discount.
- Homeowners Pay Less – Simply owning a home can help you save on insurance because owning a home shows financial diligence.
- Safe Drivers – Drivers who don’t get into accidents can get discounts for up to 45% lower rates for Aurora coverage than drivers with accidents.
- Save with a New Car – Putting insurance coverage on a new car can be considerably cheaper compared to insuring an older model.
- Good Student – A discount for being a good student can earn a discount of 20% or more. The discount lasts up until you turn 25.
- Military Rewards – Being on active duty in the military could mean lower rates.
- Low Mileage Discounts – Driving fewer miles can earn a substantially lower rate.
- One Accident Forgiven – Some insurance companies permit an accident before hitting you with a surcharge so long as you haven’t had any claims prior to the accident.
It’s important to understand that some credits don’t apply to the overall cost of the policy. Most cut specific coverage prices like liability, collision or medical payments. Just because it seems like you can get free auto insurance, companies don’t profit that way.
Companies that may offer some of the above discounts include:
- State Farm
- 21st Century
- American Family
- The Hartford
Check with each company which discounts you may be entitled to. All car insurance discounts may not be available in every state.
Is my situation unique?
When choosing the best insurance coverage coverage for your personal vehicles, there really is not a “perfect” insurance plan. Everyone’s situation is a little different so this has to be addressed. For example, these questions can aid in determining if your situation might need an agent’s assistance.
- When should I not file a claim?
- Why does it cost so much to insure a teen driver?
- Am I covered if my car is in a flood?
- What is an SR-22 filing?
- How can I get high-risk coverage after a DUI?
- Are my friends covered when driving my car?
- Do I pay less if my vehicle is kept in my garage?
- Do I get a pro-rated refund if I cancel my policy early?
- Should I have a commercial auto policy?
If it’s difficult to answer those questions but you think they might apply to your situation, then you may want to think about talking to an agent. If you want to speak to an agent in your area, complete this form or click here for a list of insurance coverage companies in your area. It’s fast, free and can help protect your family.
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Save 15 percent in 15 minutes? Is it for real?
Consumers get pounded daily by advertisements that promise big savings by companies like State Farm, Allstate and GEICO. All the ads make the same claim of big savings if you change to them.
But how can every company claim to save you money?
All companies have a certain “appetite” for the type of driver that makes them money. An example of a preferred risk might be a mature driver, owns a home, and chooses high deductibles. Any new insured who meets those qualifications is entitled to the best price and most likely will save quite a bit of money when switching.
Drivers who fall outside this ideal profile will have to pay higher prices which leads to the driver buying from a lower-cost company. The ad wording is “customers who switch” but not “drivers who get quotes” save that much. That’s the way companies can truthfully advertise the savings. Because of the profiling, you should get quotes from several different companies. It’s not possible to predict which insurance companies will have the lowest Oldsmobile Aurora insurance rates.
Specific coverage details
Knowing the specifics of your auto insurance policy can help you determine the right coverages at the best deductibles and correct limits. Auto insurance terms can be impossible to understand and even agents have difficulty translating policy wording. Below you’ll find typical coverages found on the average auto insurance policy.
Collision insurance pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You have to pay a deductible and the rest of the damage will be paid by collision coverage.
Collision coverage pays for claims such as colliding with another moving vehicle, sustaining damage from a pot hole, rolling your car, crashing into a building and scraping a guard rail. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are older. Another option is to raise the deductible in order to get cheaper collision rates.
Liability car insurance
Liability insurance will cover injuries or damage you cause to a person or their property that is your fault. Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have limits of 25/50/25 which stand for a limit of $25,000 per injured person, a total of $50,000 of bodily injury coverage per accident, and property damage coverage for $25,000.
Liability insurance covers claims such as medical services, emergency aid, medical expenses, court costs and bail bonds. How much liability should you purchase? That is your choice, but it’s cheap coverage so purchase as large an amount as possible.
Comprehensive auto coverage
This pays for damage OTHER than collision with another vehicle or object. A deductible will apply and then insurance will cover the rest of the damage.
Comprehensive coverage protects against things such as theft, hail damage and hitting a bird. The maximum amount you can receive from a comprehensive claim is the actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.
UM/UIM (Uninsured/Underinsured Motorist) coverage
Your UM/UIM coverage protects you and your vehicle when other motorists either are underinsured or have no liability coverage at all. It can pay for medical payments for you and your occupants as well as your vehicle’s damage.
Due to the fact that many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. So UM/UIM coverage should not be overlooked.
Medical payments and PIP coverage
Med pay and PIP coverage kick in for short-term medical expenses such as X-ray expenses, dental work and funeral costs. They can be used in conjunction with a health insurance policy or if you lack health insurance entirely. It covers both the driver and occupants as well as if you are hit as a while walking down the street. PIP coverage is not available in all states and may carry a deductible
Money doesn’t grow on trees
When trying to cut insurance costs, you should never buy poor coverage just to save money. There are many occasions where an insured cut collision coverage and learned later that their decision to reduce coverage ended up costing them more. Your aim should be to buy enough coverage at an affordable rate.
Cheaper 1999 Oldsmobile Aurora insurance can be purchased on the web in addition to many insurance agents, so compare prices from both to have the best selection. There are still a few companies who do not provide the ability to get a quote online and these regional insurance providers work with independent agents.
More learning opportunities
- No-Fault Auto Insurance Statistics (Insurance Information Insitute)
- What is Covered by an Auto Insurance Policy? (Insurance Information Insitute)
- Vehicle Insurance in the U.S. (Wikipedia)
- Protect Yourself Against Auto Theft (Insurance Information Insitute)
- How Much Auto Coverage do I Need? (Insurance Information Insitute)
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