Oldsmobile Intrigue Drivers Get the Best Auto Insurance Rates

Wish you could get out of an overpriced auto insurance policy? You’re in good company because you are not the only one feeling buyer’s remorse. There are many insurance companies to choose from, and even though it’s nice to have multiple companies, too many choices makes it more difficult to find the lowest rates.

Decisions You Make Can Impact Your Insurance Premiums

Lots of things are considered when pricing auto insurance. Some of the criteria are obvious like your driving record, but others are less obvious like where you live or how safe your car is. A large part of saving on auto insurance is knowing some of the things that aid in calculating the price you pay for auto insurance. When consumers understand what determines base rates, this empowers consumers to make smart changes that may reward you with better auto insurance rates.

• Does car insurance cost less for gals? – Statistics show that women are safer drivers than men. However, don’t assume that females are better at driving than males. Men and women are in auto accidents at about the same rate, but men get into accidents with more damage. They also get higher numbers of serious violations such as driving while intoxicated (DWI) or driving recklessly. Young males tend to get in the most accidents and thus pay the highest rates.
• When should you file a policy claims? – Auto insurance companies generally give better rates to insureds who file claims infrequently. If you’re an insured who likes to file claims you can look forward to either a policy non-renewal or much higher rates. Insurance coverage is intended to be relied upon for the bigger claims that can’t be paid out-of-pocket.
• Older drivers pay less – Young drivers tend to be more careless when behind the wheel and because of this, their auto insurance rates are much higher. If you’ve ever had to add a first-time driver onto your auto insurance will cause a huge premium hike. Older insureds tend to be more responsible, cost insurance companies less in claims and get fewer tickets.
• Save money with theft deterrents – Buying a car with an alarm system can help lower your rates. Theft prevention devices such as OnStar, LoJack tracking, and tamper alarms can thwart car theft.
• Certain jobs pay higher auto insurance rates – Careers like military generals, architects and medical professionals tend to pay higher rates than average due to intense work-related stress and long work hours. Other careers such as farmers, athletes and performers have the lowest average rates for Intrigue insurance.
• Only buy coverage you need – Policies have extra coverages that you can get tricked into buying on your Intrigue policy. Insurance for things like replacement cost coverage, better glass coverage, and membership fees are some examples. They may sound like good ideas when deciding what coverages you need, but if they’re wasting money eliminate them to save money.

The method we recommend to compare insurance rates from multiple companies is to realize most larger insurance companies actually pay money for the chance to provide you with free rate quotes. To get started, all you need to do is spend a couple of minutes providing details like how much you drive, how you use your vehicles, your general credit rating, and driver ages. That information gets transmitted to many highly-rated insurers and you receive quotes quickly.

To start a quote now, click here and find out if you can get cheaper insurance.

Use discounts to get cheaper auto insurance rates

Auto insurance is expensive, but there may be some discounts to help offset the cost. Certain reductions will be credited when you complete an application, but a few must be specially asked for before you get the savings. If you are not receiving all the discounts you deserve, you are not getting the best rate possible.

• Save with a New Car – Buying a new car instead of a used car can save you some money since newer vehicles have better safety ratings.
• Theft Prevention Discount – Vehicles that have factory anti-theft systems are less likely to be stolen and therefore earn up to a 10% discount.
• One Accident Forgiven – Not necessarily a discount, but a handful of insurance companies will turn a blind eye to one accident before hitting you with a surcharge so long as you haven’t had any claims prior to being involved in the accident.
• Air Bags and Passive Restraints – Vehicles equipped with air bags can get savings of 20 to 30 percent.
• Own a Home – Owning your own home or condo may trigger a policy discount on auto insurance because owning a home demonstrates responsibility.
• Government Employees – Simply working for the federal government may qualify for a discount when you for Intrigue insurance depending on your auto insurance provider.
• Use Seat Belts – Drivers who require all vehicle occupants to buckle up before driving can save 10% or more off the medical payments premium.

Drivers should understand that most of the big mark downs will not be given to the overall cost of the policy. Some only apply to the price of certain insurance coverages like medical payments or collision. Even though it may seem like having all the discounts means you get insurance for free, it doesn’t quite work that way. But all discounts will help reduce the premium cost.

The best auto insurance companies and their offered discounts are shown below.

• GEICO may offer discounts for emergency military deployment, seat belt use, five-year accident-free, good student, and membership and employees.
• Travelers policyholders can earn discounts including IntelliDrive, hybrid/electric vehicle, early quote, home ownership, and good student.
• Nationwide may have discounts that include multi-policy, business or organization, defensive driving, family plan, and accident-free.
• Farmers Insurance offers discounts including switch companies, multi-car, good student, alternative fuel, youthful driver, mature driver, and teen driver.
• Esurance includes discounts for DriveSense, Switch & Save, good student, paid-in-full, and good driver.
• State Farm offers discounts for multiple policy, defensive driving training, passive restraint, accident-free, multiple autos, safe vehicle, and Drive Safe & Save.
• Progressive offers premium reductions for online quote discount, multi-policy, online signing, continuous coverage, and homeowner.
• Mercury Insurance may include discounts for type of vehicle, multi-policy, good student, location of vehicle, age of vehicle, and ease of repair.

Double check with all the companies which credits you are entitled to. Some of the discounts discussed earlier may not apply in your state.

Buying from car insurance agents

Certain consumers would rather go talk to an agent and we recommend doing that Professional insurance agents are highly skilled in risk management and will help you if you have claims. A good thing about comparing rate quotes online is the fact that you can find cheap auto insurance quotes and still buy from a local agent. Buying insurance from local agencies is important particularly in smaller towns.

To find an agent, once you fill out this short form, your information is instantly submitted to agents in your area that can give you for your coverage. There is no need to contact any agents as quotes are delivered to you instantly. In the event you want to compare rates from a particular provider, just jump over to their website and submit a quote form there.

Car insurance agents come in two varieties

When researching a reputable insurance agent or broker, it helps to know the two different agency structures that you can select. Auto insurance agents can be classified as either captive or independent. Both types of agents can sell auto insurance policies, but it’s good to learn how they differ because it can influence which type of agent you select.

Independent Auto Insurance Agencies or Brokers

Agents that choose to be independent do not have single company limitations so they have the ability to put coverage through lots of different companies and help determine which has the cheapest rates. If your agent finds better pricing, they simply switch companies in-house without you having to go to a different agency. When comparing rate quotes, you need to get quotes from at a minimum one independent agency so that you have a good selection of quotes to compare.

Captive Auto Insurance Agencies

Agents of this type can only write with one company like Allstate, Farmers Insurance or State Farm. These agents are unable to compare other company’s rates so they really need to provide good service. These agents are well schooled on what they offer which aids in selling service over price.

To select from insurance agents near you, please view this list of insurance agencies in your state.

Choosing the best car insurance agent shouldn’t rely on just a cheap price. These are some valid questions you should ask.

• Will you be dealing directly with the agent or with a Custom Service Representative (CSR)?
• Which company do they place the most coverage with?
• Who are their largest clients?
• Are they involved in claim handling?
• Do they see any coverage gaps in your plan?
• Can they help ensure a fair claim settlement?

Your auto insurance coverage should be tailored to you

When buying the best auto 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 needs to address that. These are some specific questions can aid in determining whether you might need an agent’s assistance.

• Should I have combined single limit or split liability limits?
• How do I file an SR-22 for a DUI in my state?
• Is there coverage for injuries to my pets?
• Am I covered by my spouse’s policy after a separation?
• Should I buy only the required minimum liability coverage?
• Does my personal policy cover me when driving my company car?
• Does my policy cover my teen driver if they drive my company car?
• Am I getting all the discounts available?

If it’s difficult to answer those questions, then you may want to think about talking to an insurance agent. To find an agent in your area, fill out this quick form or go to this page to view a list of companies. It’s fast, free and can help protect your family.

You can lower your rates

As you shop your coverage around, do not reduce needed coverages to save money. Too many times, an insured cut physical damage coverage and found out when filing a claim they didn’t have enough coverage. The ultimate goal is to purchase a proper amount of coverage for the lowest cost while not skimping on critical coverages.

Some insurance providers may not provide the ability to get quotes online smaller companies sell through local independent agencies. Cost effective Oldsmobile Intrigue insurance can be sourced from both online companies and also from your neighborhood agents, and you need to comparison shop both to have the best chance of lowering rates.