2001 Oldsmobile Bravada Car Insurance Rates
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UPDATED: Mar 18, 2020
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Trying to find lower car insurance rates for your Oldsmobile Bravada? Have you fallen victim to high-priced car insurance? Believe me, there are many people just like you.
With consumers having so many insurance providers from which to choose, it can be diffult for consumers to locate the right company.
Auto Insurance Comparisons
When shopping for auto insurance there are multiple ways of comparing rates from local auto insurance companies. The simplest method to compare 2001 Oldsmobile Bravada insurance prices consists of obtaining rate quotes online. This is very easy and can be done in a couple of different ways.
- The most efficient way to find the lowest comparison rates is an all-inclusive rate comparison click to view form in new window. This form saves time by eliminating separate quote forms for each company you want a rate for. Filling out one form will return price quotes direct from many companies.
- A less efficient way to analyze rates consists of visiting each company website to complete a price quote. For instance, we’ll pretend you want to compare Nationwide, Esurance and Travelers. To find out each rate you need to spend time on each company’s site to input your insurance information, which is why the first method is more popular.
For a list of links to insurance companies in your area, click here.
- The most time-consuming way to get comparison rates is to waste gas driving to insurance agents’ offices. Buying insurance online makes this process obsolete unless you require the personal advice of a local agent. Drivers can compare online quotes and still use a local agent. We’ll cover that shortly.
It’s your choice how you get your quotes, but double check that you are using apples-to-apples coverage information for each price quote. If you compare differing limits you will not be able to determine the lowest rate for your Oldsmobile Bravada. Slightly different limits can make a big difference in price. And when price shopping your coverage, quoting more gives you a better chance of getting lower pricing.
The auto insurance bait and switch
Companies like Progressive, Allstate and GEICO consistently run ads on TV and radio. All the ads have a common claim of big savings if you change your policy. How do they all say the same thing?
Different companies have a certain “appetite” for the type of driver that earns them a profit. A good example of a driver they prefer might be between the ages of 30 and 50, has no driving citations, and has a short commute. A customer getting a price quote that hits that “sweet spot” receives the best rates and most likely will pay quite a bit less when switching companies.
Potential insureds who fall outside the “perfect” profile will be charged higher prices and ends up with business going elsewhere. Company advertisements say “people who switch” but not “drivers who get quotes” save that kind of money. That’s why companies can make the claims of big savings. That is why drivers should compare many company’s rates. It’s impossible to know the company that will fit your personal profile best.
Cut prices on 2001 Oldsmobile Bravada insurance
Companies don’t always advertise all their discounts very clearly, so we took the time to find both the well known and also the lesser-known discounts you could be receiving.
- Good Student Discount – This discount can earn a discount of 20% or more. The good student discount can last until age 25.
- Resident Student – Any of your kids living away from home attending college and don’t have a car can receive lower rates.
- Employee of Federal Government – Simply working for the federal government may qualify you for a discount on Bravada coverage with a few car insurance companies.
- Military Rewards – Being deployed with a military unit can result in better rates.
- Save with a New Car – Adding a new car to your policy can cost up to 25% less compared to insuring an older model.
- Low Mileage Discounts – Keeping the miles down on your Oldsmobile can qualify you for lower rates on the low mileage vehicles.
Drivers should understand that most credits do not apply to the entire policy premium. Most only reduce the cost of specific coverages such as liability, collision or medical payments. So even though they make it sound like you can get free auto insurance, it doesn’t quite work that way.
For a list of insurers with the best car insurance discounts, click here to view.
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Tailor your coverage to you
When choosing the right insurance coverage for your personal vehicles, there really is not a best way to insure your cars. Each situation is unique and your policy should reflect that. For example, these questions could help you determine whether you will benefit from professional help.
- Are there companies who specialize in insuring high-risk drivers?
- How do I file an SR-22 for a DUI in my state?
- I have health insurance so do I need medical payments coverage?
- Why does it cost so much to insure a teen driver?
- Is my teenager covered with friends in the car?
- Does my 2001 Oldsmobile Bravada qualify for pleasure use?
- Why am I be forced to buy a membership to get insurance from some companies?
If you can’t answer these questions but you think they might apply to your situation then you might want to talk to a licensed agent. If you don’t have a local agent, fill out this quick form or you can also visit this page to select a carrier
Auto insurance 101
Having a good grasp of a auto insurance policy helps when choosing the best coverages for your vehicles. The coverage terms in a policy can be impossible to understand and nobody wants to actually read their policy. Below you’ll find typical coverage types found on the average auto insurance policy.
Liability insurance provides protection from damage that occurs to other’s property or people. This coverage protects you against claims from other people, and doesn’t cover your own vehicle damage or injuries.
Liability coverage has 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 limits of 50/100/50 which means $50,000 in coverage for each person’s injuries, a limit of $100,000 in injury protection per accident, and property damage coverage for $50,000.
Liability coverage protects against things like repair costs for stationary objects, court costs and medical expenses. How much liability should you purchase? That is a personal decision, but it’s cheap coverage so purchase as high a limit as you can afford.
This pays to fix your vehicle from damage that is not covered by collision coverage. You need to pay your deductible first then your comprehensive coverage will pay.
Comprehensive coverage protects against things such as damage from flooding, hail damage and a tree branch falling on your vehicle. 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 removing comprehensive coverage.
Uninsured and underinsured coverage
This coverage protects you and your vehicle from other motorists when they either are underinsured or have no liability coverage at all. This coverage pays for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.
Since many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is a good idea.
Coverage for medical payments
Personal Injury Protection (PIP) and medical payments coverage reimburse you for expenses like EMT expenses, doctor visits and rehabilitation expenses. They can be used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. They cover you and your occupants as well as being hit by a car walking across the street. Personal injury protection coverage is not an option in every state and may carry a deductible
This covers damage to your Bravada resulting from colliding with an object or car. You have to pay a deductible and the rest of the damage will be paid by collision coverage.
Collision coverage pays for things such as crashing into a ditch, rolling your car, colliding with a tree, colliding with another moving vehicle and hitting a mailbox. This coverage can be expensive, so consider dropping it from lower value vehicles. Another option is to raise the deductible to bring the cost down.
More quotes. Lower rates.
When you buy insurance online, make sure you don’t buy lower coverage limits just to save a few bucks. There are many occasions where an insured cut uninsured motorist or liability limits and found out when filing a claim they didn’t purchase enough coverage. The proper strategy is to purchase a proper amount of coverage for the lowest price while not skimping on critical coverages.
Budget-conscious 2001 Oldsmobile Bravada insurance can be purchased online and with local insurance agents, and you need to price shop both so you have a total pricing picture. Some car insurance companies do not offer online price quotes and these smaller companies work with independent agents.
More information is available at the links below
- Rental Reimbursement Coverage (Allstate)
- Older Drivers FAQ (iihs.org)
- Choosing a Car for Your Teen (State Farm)
- Speed and Speed Limit FAQ (iihs.org)
- Distracted Driving (Insurance Information Insitute)
- Vehicle Insurance (Wikipedia)
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