1993 Oldsmobile Ninety-Eight Insurance Cost – 5 Ideas for Best Prices

Want the cheapest car insurance rates for your Oldsmobile Ninety-Eight? Trying to find the cheapest insurance for a new or used Oldsmobile Ninety-Eight can normally be difficult, but you can use the following methods to find lower rates.

There is a better way to find car insurance online and you need to know the proper way to price shop coverage on a Oldsmobile and locate the cheapest rates from local insurance agents and online providers.

Buy insurance online

Many insurance companies provide insurance quotes on their websites. Getting quotes is fairly straightforward as you simply enter your coverage information into the quote form. After the form is submitted, their system obtains your credit score and driving record and returns pricing information.

This simplifies rate comparisons, but having to visit each company’s website and repetitively complete many quote forms gets old quite quickly. Unfortunately, it is important to get many rate quotes if you are searching for the lowest price.

There is an easier way to compare rates

An easier way to compare insurance pricing utilizes a single form that obtains quotes from a bunch of companies at once. The form is fast, reduces the work, and makes online quotes much easier to do. Immediately after you send the form, it is rated with multiple companies and you can pick your choice of the resulting price quotes.

If you find a better price you can click and sign and purchase the new policy. The whole process takes 15 minutes at the most and may save quite a bit of money.

To save time and find out how much you can save on insurance, click here to open in a new tab and submit your coverage information. If you have coverage now, it’s recommended you copy your coverages identical to your current policy. This ensures you will get a rate comparison for similar insurance coverage.

Tailor your car insurance coverage to you

When it comes to buying coverage, there really is no single plan that fits everyone. Every situation is different.

For instance, these questions can help discover whether you will benefit from professional help.

  • What is covered by UM/UIM coverage?
  • Does having multiple vehicles earn me a discount?
  • What if I owe more than I can insure my car for?
  • When would I need rental car insurance?
  • Does my 1993 Oldsmobile Ninety-Eight need full coverage?
  • How high should my uninsured/underinsured coverage be in my state?
  • Can I afford to buy a different vehicle if my 1993 Oldsmobile Ninety-Eight is totaled?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • Am I missing any policy discounts?

If you can’t answer these questions, then you may want to think about talking to a licensed agent. To find lower rates from a local agent, complete this form. It only takes a few minutes and may give you better protection.

Insurance coverage breakdown

Having a good grasp of your insurance policy helps when choosing the right coverages and the correct deductibles and limits. The terms used in a policy can be impossible to understand and even agents have difficulty translating policy wording.

Comprehensive insurance

This coverage pays for damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims like damage from getting keyed, damage from a tornado or hurricane, hitting a bird, a broken windshield and damage from flooding. The maximum payout a insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Uninsured/Underinsured Motorist (UM/UIM)

This protects you and your vehicle’s occupants when other motorists either are underinsured or have no liability coverage at all. Covered claims include injuries to you and your family and damage to your 1993 Oldsmobile Ninety-Eight.

Because many people only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is a good idea. Usually the UM/UIM limits are set the same as your liablity limits.

Med pay and Personal Injury Protection (PIP)

Medical payments and Personal Injury Protection insurance pay for immediate expenses for things like ambulance fees, pain medications, EMT expenses, hospital visits and X-ray expenses. The coverages can be used in conjunction with a health insurance plan or if there is no health insurance coverage. It covers you and your occupants in addition to if you are hit as a while walking down the street. PIP is not available in all states but it provides additional coverages not offered by medical payments coverage

Liability auto insurance

Liability coverage provides protection from injuries or damage you cause to a person or their property. Split limit liability has three limits of coverage: 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 100/300/100 which stand for a limit of $100,000 per injured person, a limit of $300,000 in injury protection per accident, and property damage coverage for $100,000. Another option is a combined limit which provides one coverage limit without having the split limit caps.

Liability coverage pays for things such as bail bonds, attorney fees, legal defense fees and emergency aid. How much liability should you purchase? That is a personal decision, but consider buying higher limits if possible.

Collision insurance

This coverage pays to fix your vehicle from damage from colliding with another vehicle or an object, but not an animal. A deductible applies then your collision coverage will kick in.

Collision coverage protects against things like sustaining damage from a pot hole, damaging your car on a curb, colliding with a tree and colliding with another moving vehicle. Collision coverage makes up a good portion of your premium, so consider dropping it from older vehicles. Drivers also have the option to increase the deductible in order to get cheaper collision rates.