How Much Does 2003 Oldsmobile Alero Insurance Cost?

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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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Written by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

UPDATED: May 12, 2022

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Have you had enough of robbing Peter to pay Paul to pay your car insurance bill each month? You are in the same boat as many other consumers.

You have so many auto insurance companies to buy insurance from, and though it is a good thing to have multiple companies, it can be more difficult to locate the cheapest rates.

Buying car insurance is not rocket science. Just about every driver who buys car insurance should be able to save money. Although drivers must comprehend the way companies market insurance on the web and use this information to your advantage.

The best way we recommend to compare car insurance company rates is to know most of the bigger providers pay for the opportunity to provide you with a free rate quote. To begin a comparison, all you need to do is provide details such as how much school you completed, if you have an active license, how many miles driven, and if you lease or own. Your rating data is instantly provided to multiple companies and you will receive price estimates quickly.

Companies offer discounts so take them!

Car insurance companies don’t necessarily list all available discounts in an easy-to-find place, so we took the time to find both well-publicized as well as the least known auto insurance savings.

  • Paperwork-free – Some insurance companies may give you up to $50 for buying your policy over the internet.
  • College Student – Youth drivers who live away from home without a vehicle on campus can be insured at a reduced rate.
  • Homeowners Discount – Being a homeowner may earn you a small savings because of the fact that having a home requires personal responsibility.
  • Multiple Cars – Buying coverage for all your vehicles on the same auto insurance policy could earn a price break for each car.
  • Military Discounts – Being on active duty in the military could be rewarded with lower premiums.

Drivers should understand that some of the credits will not apply the whole policy. Most only reduce specific coverage prices like comprehensive or collision. Even though it may seem like having all the discounts means you get insurance for free, you won’t be that lucky.

Insurance companies that possibly offer these discounts include:

It’s a good idea to ask each insurance company how you can save money. Discounts may not be available in your state.

Do I just need basic coverages?

When buying the right insurance coverage for your vehicles, there isn’t really a best way to insure your cars. Your needs are not the same as everyone else’s so your insurance should reflect that These are some specific questions may help you determine if you will benefit from professional help.

  • Can I get a multi-policy discount?
  • Do I need an umbrella policy?
  • Can I make deliveries for my home business?
  • Should I sign the liability waiver when renting a car?
  • Do I need roadside assistance coverage?
  • How many claims can I have before being canceled?
  • Is my custom paint covered by insurance?

If you can’t answer these questions but a few of them apply then you might want to talk to a licensed agent. If you don’t have a local agent, take a second and complete this form or you can also visit this page to select a carrier

Coverages available on your policy

Knowing the specifics of a insurance policy helps when choosing which coverages you need for your vehicles. The coverage terms in a policy can be ambiguous and nobody wants to actually read their policy. Shown next are typical coverages offered by insurance companies.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance coverage pays for damage from a wide range of events other than collision. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things such as theft, fire damage and damage from a tornado or hurricane. The highest amount your insurance company will pay is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Auto liability insurance

Liability coverage will cover damages or injuries you inflict on other people or property that is your fault. It protects YOU from legal claims by others. Liability doesn’t cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see policy limits of 50/100/50 that means you have a limit of $50,000 per injured person, a total of $100,000 of bodily injury coverage per accident, and a limit of $50,000 paid for damaged property.

Liability coverage protects against things such as structural damage, repair costs for stationary objects, loss of income, repair bills for other people’s vehicles and bail bonds. How much liability coverage do you need? That is a personal decision, but buy as large an amount as possible.

Collision insurance

Collision coverage pays for damage to your Alero resulting from a collision with another car or object. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things such as hitting a mailbox, colliding with a tree, driving through your garage door and scraping a guard rail. This coverage can be expensive, so analyze the benefit of dropping coverage from lower value vehicles. Drivers also have the option to raise the deductible in order to get cheaper collision rates.

Insurance for medical payments

Coverage for medical payments and/or PIP reimburse you for short-term medical expenses for surgery, hospital visits, dental work, rehabilitation expenses and chiropractic care. The coverages can be utilized in addition to your health insurance program or if you lack health insurance entirely. Coverage applies to all vehicle occupants as well as getting struck while a pedestrian. Personal injury protection coverage is not available in all states but can be used in place of medical payments coverage

Uninsured Motorist or Underinsured Motorist insurance

Your UM/UIM coverage protects you and your vehicle when the “other guys” do not carry enough liability coverage. It can pay for hospital bills for your injuries as well as damage to your Oldsmobile Alero.

Since many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is important protection for you and your family.

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