Lower Your 1990 Oldsmobile Ninety-Eight Car Insurance Quotes

Searching for lower insurance coverage rates for your Oldsmobile Ninety-Eight? Do you think you bought an overpriced insurance coverage policy? You’re in good company because there are lots of people in the same boat.

Consumers have so many auto insurance companies to buy insurance from, and even though it’s nice to have multiple companies, having more auto insurance companies makes it harder to compare company pricing.

Consumers should take time to get comparison quotes once or twice a year because insurance coverage rates change quite often. If you had the lowest rate for Ninety-Eight coverage a few years ago you can probably find a lower rate today. Forget all the misinformation about insurance coverage because you’re about to find out the tricks you need to know to find great coverage at a great price.

Shopping for more affordable protection is not that difficult. Just about every driver who has to buy insurance will be able to find lower rates. But car owners should learn how the larger insurance companies determine prices and use this information to your advantage.

Save a ton with these discounts

The cost of insuring your cars can be expensive, but there could be significant discounts that can dramatically reduce your bill. Certain discounts will be applied at the time of purchase, but a few must be inquired about before you get the savings.

• First Accident Forgiveness – Not a discount per se, but companies like State Farm, Progressive and Geico may permit one accident before your rates go up so long as you haven’t had any claims before the accident.
• Theft Prevention Discount – Cars, trucks, and SUVs equipped with anti-theft or alarm systems are stolen with less frequency and that can save you a little bit as well.
• Military Deployment Discount – Being deployed in the military may lower your auto insurance rates slightly.
• Use Seat Belts – Drivers who always wear seat belts and also require passengers to buckle up can save a little off the PIP or medical payment premium.
• Save with More Vehicles Insured – Purchasing coverage when you have several vehicles on the same auto insurance policy can get a discount on all vehicles.
• Homeowners Pay Less – Just being a homeowner can help you save on auto insurance because maintaining a house is proof that your finances are in order.
• Federal Employees – Active or former government employment may qualify for a discount when you quote insurance coverage for Ninety-Eight coverage depending on your auto insurance provider.

One last thing about discounts, some of the credits will not apply to the entire policy premium. Most only cut the price of certain insurance coverages like comprehensive or collision. So when it seems like having all the discounts means you get insurance for free, you won’t be that lucky.

Companies and the discounts they provide are outlined below.

• Farm Bureau offers discounts including good student, 55 and retired, safe driver, multi-policy, multi-vehicle, and driver training.
• MetLife includes discounts for claim-free, good driver, defensive driver, multi-policy, good student, and accident-free.
• Progressive may offer discounts for multi-policy, online quote discount, online signing, multi-vehicle, good student, continuous coverage, and homeowner.
• AAA may include discounts for AAA membership discount, good student, pay-in-full, anti-theft, multi-car, and multi-policy.
• American Family has savings for good student, accident-free, Steer into Savings, mySafetyValet, and air bags.
• Geico discounts include membership and employees, multi-policy, good student, air bags, and multi-vehicle.
• State Farm offers premium reductions for student away at school, good driver, multiple policy, good student, and safe vehicle.

When quoting, ask every company the best way to save money. Some discounts listed above may not be offered in your area. To view providers that offer multiple discounts, follow this link.

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Oldsmobile Ninety-Eight insurance prices can be lower

Smart consumers have a good feel for the factors that come into play when calculating your policy premiums. When you know what positively or negatively impacts premium levels, this helps enable you to make changes that could help you find big savings. Many different elements are used in the calculation when you get your auto insurance bill. Some are obvious like an MVR report, but some are less apparent such as your marital status or how financially stable you are.

The items below are most of the major factors used by insurance companies to determine your premiums.

• Long commutes cost more – The more you drive in a year’s time the more it will cost to insure it. A lot of companies charge to insure your cars based upon how you use the vehicle. Autos that are left in the garage can be on a lower rate level than those that get driven frequently. Ask your agent if your declarations sheet reflects how each vehicle is driven, because it can save money. Improper usage on your Ninety-Eight is just wasting money.
• Add-on coverages that aren’t used – Policies have additional coverages that sound like a good idea at the time on your insurance coverage policy. Coverages like personal injury protection, accidental death, and term life insurance may be costing you every month. You may think they are a good idea when discussing your needs, but if you’ve never needed them in the past eliminate the coverages to reduce your premium.
• Multiple policies with one company – Most major insurance companies afford lower prices to policyholders who carry more than one policy. It’s known as a multi-policy discount. Even if you qualify for this discount already, you may still want to compare rates to help ensure you have the lowest rates.
• Liability insurance safeguards assets – The liability coverage on your policy will protect you if you are determined to be liable for an accident. It provides legal defense coverage to defend your case. Liability is cheap compared to comp and collision, so drivers should make sure they buy enough to cover all assets.
• Gender as a rate factor – The statistics show women are more cautious behind the wheel. However, don’t assume that men are worse drivers. Females and males are responsible for auto accidents at about the same rate, but the males tend to have higher claims. Not only are claims higher, but men receive more major tickets such as DWI and reckless driving. Youthful male drivers are most likely to cause an accident so they pay the highest premiums.
• Save money with theft deterrents – Owning a car with a theft deterrent system can get you a discount on your insurance coverage. Theft deterrent systems such as LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system all hinder vehicle theft.
• Accidents hurt – Your driving record impacts your car insurance rates tremendously. Good drivers pay less for auto insurance compared to drivers with tickets. Just one speeding ticket can boost insurance rates twenty percent or more. People who have dangerous violations like DUI or willful reckless driving are required to file a proof of financial responsibility form (SR-22) with their state’s department of motor vehicles in order to legally drive a vehicle.

Auto insurance can be complex

When buying proper insurance coverage, there really is not a “best” method to buy coverage. Each situation is unique so your insurance needs to address that. Here are some questions about coverages that might help in determining if your insurance needs may require specific advice.

• Are my tools covered if they get stolen from my vehicle?
• Are rental cars covered under my policy?
• When should I drop full coverage on my 1990 Oldsmobile Ninety-Eight?
• Can I drive in Mexico and have coverage?
• Can I afford to pay high deductible claims out of pocket?
• Am I covered when driving a rental car?
• Does coverage extend to a rental car in a foreign country?

If you can’t answer these questions but you know they apply to you then you might want to talk to a licensed insurance agent. If you want to speak to an agent in your area, simply complete this short form or you can go here for a list of companies in your area.

Car insurance coverages for an Oldsmobile Ninety-Eight

Understanding the coverages of insurance aids in choosing the best coverages for your vehicles. The coverage terms in a policy can be impossible to understand and coverage can change by endorsement. These are typical coverages available from insurance companies.

Coverage for medical expenses

Coverage for medical payments and/or PIP kick in for expenses such as pain medications, dental work, rehabilitation expenses, X-ray expenses and funeral costs. They can be used to fill the gap from your health insurance policy or if you do not have health coverage. It covers both the driver and occupants and also covers if you are hit as a while walking down the street. Personal injury protection coverage is not available in all states and may carry a deductible

Collision protection

Collision insurance pays for damage to your Ninety-Eight caused by collision with a stationary object or other vehicle. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for claims such as colliding with a tree, driving through your garage door and sideswiping another vehicle. Collision is rather expensive coverage, so consider removing coverage from vehicles that are 8 years or older. It’s also possible to choose a higher deductible in order to get cheaper collision rates.

Liability

This coverage protects you from damages or injuries you inflict on other people or property by causing an accident. It protects you against other people’s claims. It does not cover damage to your own property or vehicle.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have liability limits of 25/50/25 which means $25,000 in coverage for each person’s injuries, a per accident bodily injury limit of $50,000, and a limit of $25,000 paid for damaged property. Occasionally you may see one limit called combined single limit (CSL) which combines the three limits into one amount with no separate limits for injury or property damage.

Liability can pay for things such as repair bills for other people’s vehicles, emergency aid and loss of income. How much liability coverage do you need? That is your choice, but it’s cheap coverage so purchase as large an amount as possible.

Comprehensive insurance

Comprehensive insurance pays for damage from a wide range of events other than collision. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for things such as vandalism, damage from getting keyed, rock chips in glass and hail damage. The maximum amount you can receive from a comprehensive claim is the ACV or actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Coverage for uninsured or underinsured drivers

This gives you protection when other motorists do not carry enough liability coverage. This coverage pays for injuries sustained by your vehicle’s occupants and damage to your Oldsmobile Ninety-Eight.

Because many people only carry the minimum required liability limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is a good idea. Usually the UM/UIM limits are similar to your liability insurance amounts.

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Don’t be a big spender

We just presented many tips how you can shop for 1990 Oldsmobile Ninety-Eight insurance online. The most important thing to understand is the more quotes you get, the higher your chance of finding cheaper insurance coverage. You may even find the lowest car insurance rates are with the least-expected company. These smaller insurers often have lower premium rates on specific markets as compared to the big name companies such as State Farm, Geico and Nationwide.

There are still a few companies who may not offer internet price quotes and these smaller companies provide coverage only through local independent agencies. Budget-friendly auto insurance is available both online and also from your neighborhood agents, so compare prices from both to get a complete price analysis.

More information can be read on the following sites:

• Safety Features for Your New Car (State Farm)
• Auto Insurance Facts and Statistics (Insurance Information Insitute)
• How to Avoid Buying a Flooded Car (Insurance Information Insitute)
• Teen Driver Statistics (Insurance Information Insitute)

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