How to Get the Absolute Lowest Rates When Comparing Insurance for an Oldsmobile Eighty Eight

Drivers have options when trying to find the lowest priced Oldsmobile Eighty Eight insurance. They can either spend hours struggling with agents trying to get quotes or leverage the internet to make rate comparisons.

There are more efficient ways to shop for car insurance and you need to know the best way to price shop coverage for a new or used Oldsmobile and get the lowest price from both online companies and local agents.

You need to take a look at other company’s rates at least once a year because insurance rates are rarely the same from one policy term to another. Just because you had the lowest price on Eighty Eight insurance a year ago you will most likely find a better rate today. Starting now, ignore everything you know about car insurance because I’m going to teach you the things you must know in order to lower your annual insurance bill.

This article will help you learn how to effectively get price quotes and some tips to save money. If you currently have a car insurance policy, you will be able to lower your premiums substantially using this information. Consumers only need an understanding of the best way to shop their coverage around online.

Finding Car Insurance

There are a lot of ways to compare car insurance quotes, but there is one way that is less time-consuming than others. You could spend your day driving to insurance agencies in your area, or you can stay home and use online quotes to maximize your effort.

Most of the larger companies belong to an insurance system that allows shoppers to send in one quote, and every company returns a competitive quote for coverage. This eliminates the need for quote requests for each company.

To use this form to compare rates click to open in new window.

The one downside to getting quotes like this is that you can’t choose the companies you will receive quotes from. If you prefer to choose from a list of companies for rate comparison, we have a listing of car insurance companies in your area. Click here for list of insurance companies.

Whichever way you use, ensure you’re using the exact same coverages for each price quote. If you compare different liability limits you can’t possibly determine which rate is truly the best.

Neighborhood agents for car insurance

Certain consumers would prefer to get advice from a local agent and that is OK! Good agents can answer important questions and give you someone to call. The best thing about price shopping on the web is you can get lower rates but also keep your business local. Buying from local insurance agencies is important particularly in smaller rural communities.

Upon completion of this simple form, your information is submitted to participating agents who will battle for your business. You don’t have to leave your computer because quoted prices will be sent straight to your inbox. How cool is that?!

Two different types of insurance agents

When researching a good insurance agent, you need to know there are two different types of agents to choose from. Agencies are classified as either captive or independent. Both types can write coverage properly, but it’s good to learn the difference between them because it can influence the type of agent you choose

Independent Insurance Agents

Independent agents do not work for one specific company but rather can write business with many different companies and potentially find a lower price. To move your coverage to a new company, your agent can switch companies and you won’t have to switch agencies. When shopping rates, we recommend you include at least one independent agent to have the most options to choose from. They often place coverage with different regional companies who may have lower rates.

Agency Captives

These agents are contracted to one company like State Farm, AAA and Liberty Mutual. These agents are not able to shop your coverage around so it’s a take it or leave it situation. Captives are very knowledgeable in insurance sales which helps them compete with independent agents. Some people will only buy from captive agents primarily because of the prominence of the brand and solid financial strength.

For a complete listing of agencies, click here.

Selecting an insurance agency shouldn’t rely on just a low price. These are valid questions to ask:

• Which company do they place the most coverage with?
• Are they properly licensed to sell insurance in your state?
• Will vehicle repairs be made with aftermarket parts or OEM replacement parts?
• Is assistance available after office hours?
• Do clients work directly with the agent or are most inquiries handled by a CSR?
• How are claims handled?
• How much will you save each year by using a higher deductible?

Once you have received answers to your satisfaction to your questions and an affordable coverage quote, it’s possible that you found a car insurance agent that can adequately provide car insurance.