Cheapest 2000 Oldsmobile Intrigue Insurance Rates in 2024

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Jun 2, 2023

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Have you had enough of being strong-armed to buy car insurance? You are in the same boat as many other drivers.

You have so many insurers to choose from, and although it’s a good thing to have a selection, so many choices can make it hard to compare rates and cut insurance costs.

You should make it a habit to do rate comparisons before your policy renews since rates tend to go up over time. Despite the fact that you may have had the lowest rates for Intrigue insurance two years ago there may be better deals available now. Forget anything you know (or think you know) about insurance because you’re about to find out the easiest way to find great coverage at a great price.

Finding the best rates is easy if you know what you’re doing. If you currently have car insurance, you should be able to cut costs considerably using this strategy. Although car owners can benefit from knowing how insurance companies compete online.

Cheap Insurance Coverage Comparisons

The are a couple different ways of comparing rate quotes from different insurance companies. The easiest way to compare 2000 Oldsmobile Intrigue insurance prices is to perform an online rate comparison. It is quite easy and can be accomplished using a couple different methods.

One of the simplest ways to get quotes would be an industry-wide quote request form like this one (opens in new window). This method prevents you from having to do repetitive form entry to each individual insurance coverage company. Filling out one form gets rate comparisons from several companies.

A different way to get comparison quotes consists of going to the website for each individual company to complete a price quote. For example, let’s assume you want comparison quotes from State Farm, Esurance and Progressive. To get rate quotes you would need to take the time to go to each site and enter your information, which is why the first method is quicker.

For a list of links to companies insuring cars in your area, click here.

Whichever method you choose, make absolute certain that you use exactly the same deductibles and coverage limits with each company. If you have differing limits it will be very difficult to truly determine the lowest rate. Just a small difference in coverages may result in a large different in cost. Just remember that quoting more helps you find the best price.

Will just any policy work for me?

When it comes to buying proper insurance coverage, there isn’t really a “best” method to buy coverage. Everyone’s needs are different and a cookie cutter policy won’t apply. For instance, these questions can help discover whether or not you will benefit from professional help.

  • Can I pay claims out-of-pocket if I buy high deductibles?
  • Does car insurance cover theft of personal property?
  • Are rock chip repairs covered?
  • Should I put collision coverage on all my vehicles?
  • Are my tools covered if they get stolen from my vehicle?
  • Does my 2000 Oldsmobile Intrigue qualify for pleasure use?
  • What discounts do I qualify for?
  • Can my teen driver be rated on a liability-only vehicle?
  • What can I do if my company denied a claim?

If it’s difficult to answer those questions but you think they might apply to your situation, you might consider talking to an agent. To find lower rates from a local agent, simply complete this short form or click here for a list of insurance companies in your area.

Information about specific coverages

Having a good grasp of auto insurance can be of help when determining the best coverages and the correct deductibles and limits. The terms used in a policy can be impossible to understand and nobody wants to actually read their policy. Shown next are typical coverage types found on most auto insurance policies.

Insurance for medical payments

Med pay and PIP coverage reimburse you for bills for doctor visits, nursing services, EMT expenses, X-ray expenses and dental work. The coverages can be used to fill the gap from your health insurance plan or if there is no health insurance coverage. Coverage applies to both the driver and occupants as well as if you are hit as a while walking down the street. Personal injury protection coverage is only offered in select states but can be used in place of medical payments coverage

Coverage for collisions

Collision insurance covers damage to your Intrigue resulting from colliding with an object or car. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers things such as crashing into a ditch, colliding with another moving vehicle and sideswiping another vehicle. This coverage can be expensive, so analyze the benefit of dropping coverage from older vehicles. You can also raise the deductible in order to get cheaper collision rates.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance coverage pays for damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive insurance covers claims like hail damage, damage from a tornado or hurricane, fire damage, vandalism and theft. The maximum payout a auto insurance company will pay at claim time is the actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Uninsured Motorist or Underinsured Motorist insurance

This provides protection when the “other guys” do not carry enough liability coverage. Covered losses include medical payments for you and your occupants as well as damage to your Oldsmobile Intrigue.

Due to the fact that many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is very important.

Auto liability

This coverage can cover damages or injuries you inflict on people or other property in an accident. This coverage protects you against claims from other people. Liability doesn’t cover your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have values of 100/300/100 that translate to a limit of $100,000 per injured person, a per accident bodily injury limit of $300,000, and $100,000 of coverage for damaged property.

Liability can pay for things such as pain and suffering, funeral expenses and medical expenses. How much liability should you purchase? That is a personal decision, but it’s cheap coverage so purchase as large an amount as possible.

Frequently Asked Questions

Can my teen driver be rated on a liability-only vehicle?

It depends on the insurance company’s policies. Some companies may allow teen drivers to be rated on a liability-only vehicle, while others may require comprehensive and collision coverage. Check with your insurance provider for their specific guidelines.

What discounts do I qualify for?

Eligibility for discounts can vary among insurance companies. Common discounts include:

  • Safe driver discounts
  • Multi-policy discounts
  •  Good student discounts
  • Anti-theft device discounts.

Contact your insurance company or agent to inquire about available discounts.

Will Geico insure a car not in my name?

Geico generally requires the car owner’s name to match the named insured on the policy. It’s best to check with Geico directly for specific details and requirements.

How long does a DUI stay on your record?

The duration of a DUI on your record varies depending on the state. It can typically range from 3 to 10 years.

What are some common coverage types found in auto insurance policies?

  • Medical payments coverage: Reimburses for medical expenses resulting from an accident, including doctor visits, nursing services, and X-ray expenses.
  • Collision coverage: Covers damage to your vehicle resulting from colliding with an object or another car.
  • Comprehensive coverage: Pays for damage caused by theft, vandalism, natural disasters, and other events.
  • Uninsured/Underinsured motorist coverage: Provides protection when the other party has insufficient liability coverage.
  • Auto liability coverage: Covers damages or injuries you cause to others in an accident.

How important is it to use the same deductibles and coverage limits when comparing rates?

It is crucial to use the same deductibles and coverage limits with each company to determine the lowest rate accurately. Even a small difference in coverage can result in a significant difference in cost.

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