1999 Oldsmobile Bravada Insurance Rates
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UPDATED: Mar 18, 2020
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Looking for lower insurance coverage rates for your Oldsmobile Bravada? Are you a victim of overpriced insurance coverage? Trust us when we tell you there are many people just like you.
Companies like Progressive, GEICO and Farmers Insurance constantly blast consumers with catchy ads and it can be hard to see through the cute green geckos and mayhem and effectively compare rates to find the best deal.
You need to do rate comparisons quite often due to the fact that insurance rates tend to go up over time. If you had the best deal for Bravada insurance a few years ago other companies may now be cheaper. There is too much inaccurate information about insurance coverage online, so with this article, you’re going to get some tested techniques to put money back in your pocket.
Factors influencing Oldsmobile Bravada insurance rates
Smart consumers have a good feel for the rating factors that go into determining the rates you pay for insurance coverage. Having a good understanding of what influences your rates empowers consumers to make smart changes that can help you get better insurance coverage rates.
- Lower miles equals lower premium – The higher the mileage driven every year the more you’ll pay to insure your vehicle. Almost all companies price each vehicle’s coverage based on how the vehicle is used. Autos used primarily for pleasure use qualify for better rates than vehicles that are driven to work every day. Double check that your insurance coverage declarations sheet properly reflects the correct usage for each vehicle. Incorrect usage on your Bravada may be wasting your money.
- Liability coverage protects you – Liability insurance provides coverage if ever you are found to be at fault for causing damage or personal injury in an accident. It provides legal defense which can be incredibly expensive. This coverage is very inexpensive compared to physical damage coverage, so drivers should carry high limits.
- Bump up deductibles to save – Insurance for physical damage to your car, also known as collision and other-than-collision, protects your Oldsmobile from damage. Some examples of claims that would be covered are colliding with a building, vandalism, and burglary. Deductibles for physical damage are the amount of money you are willing to pay before your insurance coverage pays a claim. The higher the amount the insured has to pay upfront, the lower your rates will be for Bravada insurance.
- How credit affects insurance coverage rates – Having a bad credit history is a important factor in your rate calculation. Therefore, if your credit score is not that good, you could pay less to insure your 1999 Oldsmobile Bravada by spending a little time repairing your credit. People with high credit scores tend to be more responsible than those with lower credit scores.
- Your car’s features help determine rates – Choosing a vehicle with a theft deterrent system can save you a little every year. Theft prevention features such as LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system can thwart your car from being stolen.
Discounts are available to cut your rates
Car insurance companies don’t list every available discount very well, so here is a list some of the more common and the more hidden ways to save on car insurance.
- Own a Home – Owning a house can save you money due to the fact that maintaining a home is proof that your finances are in order.
- Organization Discounts – Belonging to certain professional organizations is a good way to get lower rates when buying car insurance for Bravada insurance.
- Military Discounts – Having a family member in the military could be rewarded with lower premiums.
- Safety Course Discount – Successfully completing a driver safety course can save you 5% or more depending on where you live.
- No Charge for an Accident – Some insurance companies will allow you to have one accident before your rates go up if your claims history is clear for a particular time prior to the accident.
- Passive Restraints and Air Bags – Factory air bags or automatic seat belts can receive discounts of more than 20%.
- No Claims – Drivers with accident-free driving histories can earn big discounts when compared with accident-prone drivers.
- Auto/Life Discount – Some companies give better rates if you take out a life insurance policy as well.
- Theft Prevention System – Vehicles with anti-theft systems can help prevent theft and qualify for as much as a 10% discount.
- Braking Control Discount – Cars that have steering control and anti-lock brakes prevent accidents and qualify for as much as a 10% discount.
Consumers should know that most credits do not apply to your bottom line cost. Most cut individual premiums such as medical payments or collision. So when the math indicates adding up those discounts means a free policy, car insurance companies aren’t that generous.
For a list of companies with the best car insurance discounts, click here.
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Everyone needs different coverages
When it comes to buying the right insurance coverage for your personal vehicles, there really is no best way to insure your cars. Everyone’s needs are different and your policy should reflect that. For example, these questions can help discover whether or not you could use an agent’s help.
- How much underlying liability do I need for an umbrella policy?
- Is borrowed equipment or tools covered if stolen or damaged?
- How can I find cheaper teen driver insurance?
- Is my Oldsmobile Bravada covered if I use it for business?
- Does my policy cover me when driving someone else’s vehicle?
- Is my custom paint covered by insurance?
- Why am I required to get a high-risk car insurance policy?
- Do I need motorclub coverage?
If you can’t answer these questions but you think they might apply to your situation, you might consider talking to a licensed insurance agent. If you want to speak to an agent in your area, simply complete this short form or you can go here for a list of companies in your area.
Coverages available on your car insurance policy
Knowing the specifics of your policy helps when choosing which coverages you need and the correct deductibles and limits. Policy terminology can be difficult to understand and even agents have difficulty translating policy wording. Listed below are typical coverages found on most car insurance policies.
Collision coverage – This coverage will pay to fix damage to your Bravada resulting from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible then your collision coverage will kick in.
Collision can pay for claims like sideswiping another vehicle, scraping a guard rail, hitting a parking meter and colliding with a tree. Paying for collision coverage can be pricey, so you might think about dropping it from lower value vehicles. It’s also possible to bump up the deductible to get cheaper collision coverage.
Comprehensive car insurance – This covers damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and then insurance will cover the rest of the damage.
Comprehensive can pay for things such as a tree branch falling on your vehicle, damage from a tornado or hurricane and rock chips in glass. The maximum amount you’ll receive from a claim is the actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.
Liability auto insurance – Liability coverage can cover damage or injury you incur to a person or their property in an accident. It protects you from legal claims by others. It does not cover your injuries or vehicle damage.
It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show policy limits of 100/300/100 which stand for $100,000 bodily injury coverage, a per accident bodily injury limit of $300,000, and a limit of $100,000 paid for damaged property.
Liability can pay for claims like loss of income, medical expenses, repair bills for other people’s vehicles and structural damage. The amount of liability coverage you purchase is your choice, but you should buy as much as you can afford.
Coverage for uninsured or underinsured drivers – Your UM/UIM coverage protects you and your vehicle from other motorists when they do not carry enough liability coverage. This coverage pays for medical payments for you and your occupants as well as damage to your Oldsmobile Bravada.
Since a lot of drivers have only the minimum liability required by law, their limits can quickly be used up. So UM/UIM coverage should not be overlooked.
Coverage for medical expenses – Personal Injury Protection (PIP) and medical payments coverage kick in for expenses such as hospital visits, ambulance fees and pain medications. They are often used in conjunction with a health insurance policy or if you do not have health coverage. It covers both the driver and occupants and also covers being hit by a car walking across the street. PIP coverage is not an option in every state and gives slightly broader coverage than med pay
A fool and his money are soon parted
Cost effective 1999 Oldsmobile Bravada insurance can be bought online in addition to many insurance agents, and you should compare price quotes from both in order to have the best chance of saving money. Some insurance companies do not provide the ability to get a quote online and these regional insurance providers work with independent agents.
As you go through the steps to switch your coverage, never buy lower coverage limits just to save a few bucks. Too many times, an accident victim reduced full coverage and discovered at claim time that the small savings ended up costing them much more. The aim is to purchase plenty of coverage for the lowest price, not the least amount of coverage.
Much more information about insurance coverage can be read at these links:
- Five Steps to Filing an Auto Insurance Claim (Insurance Information Insitute)
- Driving in Bad Weather (Insurance Information Insitute)
- Safety Tips for Teen Drivers (Insurance Information Insitute)
- Neck Injury FAQ (iihs.org)
- Electronic Stability Control FAQ (iihs.org)
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