Cheap 1995 Oldsmobile Ninety-Eight Insurance Rates

Looking for cheaper insurance coverage rates for your Oldsmobile Ninety-Eight? Nobody looks forward to buying insurance coverage, particularly when the cost is way too high. Multiple insurers compete for your business, and because of this it can be hard to compare car insurance companies and get the definite cheapest price

Save money with these discounts

Insurance coverage is not cheap nor is it fun to buy but there may be some discounts that you may not know about. A few discounts will be applied at quote time, but lesser-known reductions have to be inquired about prior to getting the savings.

• Accident Free – Claim-free drivers have much lower rates as opposed to frequent claim filers.
• Defensive Driving Course – Passing a course that instructs on driving safety could earn you a small percentage discount and make you a better driver.
• Anti-theft System – Cars and trucks equipped with tracking devices and advanced anti-theft systems have a lower chance of being stolen and will save you 10% or more.
• Good Students Pay Less – Being a good student may save you up to 25%. This discount can apply up until you turn 25.
• Accident Forgiveness – Not necessarily a discount, but a few companies such as Progressive and Allstate will turn a blind eye to one accident before raising your premiums as long as you don’t have any claims for a specific time period.
• Student Discount for Driver Training – Reduce the cost of insurance for teen drivers by having them participate in a local driver’s education class if it’s offered in school.
• More Vehicles More Savings – Having more than one vehicle on one policy can reduce rates for all insured vehicles.
• Discount for New Cars – Buying a new car instead of a used car is cheaper because newer models keep occupants safer.
• Discount for Multiple Policies – If you combine your homeowners and auto policies with one insurance company you could save approximately 10% to 15%.
• Senior Discount – If you qualify as a senior citizen, you may receive a small discount on rates on Ninety-Eight insurance.

Consumers should know that some credits don’t apply to the entire cost. Most cut specific coverage prices like comprehensive or collision. So when it seems like having all the discounts means you get insurance for free, it just doesn’t work that way. But any discount will help reduce the cost of coverage.

A few popular companies and their possible discounts include:

• Progressive offers premium reductions for good student, online quote discount, multi-policy, continuous coverage, homeowner, and multi-vehicle.
• Geico may include discounts for seat belt use, driver training, five-year accident-free, defensive driver, and military active duty.
• State Farm has discounts for anti-theft, passive restraint, accident-free, defensive driving training, multiple policy, good driver, and Drive Safe & Save.
• Esurance discounts include safety device, claim free, Pac-12 alumni, online quote, paid-in-full, multi-policy, and good driver.
• The Hartford offers discounts for anti-theft, air bag, bundle, vehicle fuel type, good student, defensive driver, and driver training.

Before buying, ask each company or agent to give you their best rates. Discounts may not apply to policyholders in every state. To choose companies that have a full spectrum of discounts, click here.

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How to buy auto insurance online

Shopping for lower auto insurance rates can be a lot of work if you don’t know the best way to get rate quotes. You could waste time discussing policy coverages with agents in your area, or you could save time and use the internet to achieve your goal.

Many companies belong to an insurance system that allows shoppers to only type in their quote data once, and every company returns a rated price for coverage. This prevents consumers from doing quote requests to every company.

To participate in this free quote system, click to open in new window.

The single downside to pricing coverage this way is that you can’t choose the companies you want to price. So if you want to select specific providers to compare prices, we have assembled a list of companies who write auto insurance in your area. Click here to view list.

Whichever way you use, be certain you are entering identical quote information on every quote. If you enter higher or lower deductibles it will be impossible to determine the best price for your Oldsmobile Ninety-Eight.

How to lower your insurance rates

Many things are used when premium rates are determined. Some of the criteria are obvious such as your driving history, although others are less obvious like your continuous coverage or your financial responsibility.

• Less chance of injury means lower prices – Safer cars tend to have lower insurance rates. Vehicles built for safety have better occupant injury protection and fewer injuries translates directly to fewer claims and more competitive rates for policyholders. If the Oldsmobile Ninety-Eight earned at least an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website it may be receiving lower rates.
• Additional coverages that may be costing you – There are a ton of extra add-on coverages that you can buy on your insurance policy. Coverages for vanishing deductibles, accident forgiveness, and extra equipment coverage are some examples. These may sound like a good investment at first, but if they’re wasting money eliminate them to save money.
• Location can modify price – Choosing to live in a rural area has definite advantages when it comes to insurance. Fewer people means reduced accidents in addition to fewer liability claims. City drivers have more aggressive driving styles and more severe claims. More time behind the wheel means higher likelihood of an accident.
• More annual miles equals more premium – The more you drive each year the higher your rates will be. Most companies rate vehicles based upon how you use the vehicle. Vehicles left parked in the garage receive lower rates than those that get driven frequently. An improperly rated Ninety-Eight may be wasting your money. Make sure your policy states how each vehicle is driven, because it can save money.
• Prevent policy lapses – Not maintaining insurance is a big no-no and as a result your rates will increase for letting your insurance lapse for non-payment. In addition to paying higher rates, being ticketed for driving with no insurance can result in a revoked license or a big fine.

Insurance coverage can be complex

When it comes to buying the right insurance coverage, there really is not a best way to insure your cars. Each situation is unique so your insurance should reflect that For instance, these questions may help you determine if your insurance needs would benefit from professional advice.

• Does my car insurance cover rental cars?
• Are split liability limits better than a combined single limit?
• What vehicles should carry emergency assistance coverage?
• Does my policy cover my teen driver if they drive my company car?
• What are the financial responsibility laws in my state?
• Am I missing any policy discounts?
• Do I need an umbrella policy?
• What can I do if my company denied a claim?
• Will filing a claim cost me more?

If it’s difficult to answer those questions but one or more may apply to you, you may need to chat with an insurance agent. If you don’t have a local agent, simply complete this short form or go to this page to view a list of companies. It’s fast, doesn’t cost anything and may give you better protection.

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Educate yourself about insurance coverages

Learning about specific coverages of your insurance policy helps when choosing the best coverages for your vehicles. Policy terminology can be ambiguous and even agents have difficulty translating policy wording. Shown next are the usual coverages available from insurance companies.

Comprehensive coverages

Comprehensive insurance covers damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things such as hitting a deer, vandalism, damage from getting keyed, damage from flooding and fire damage. The maximum amount your insurance company will pay is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Uninsured and underinsured coverage

Uninsured or Underinsured Motorist coverage gives you protection from other motorists when they either have no liability insurance or not enough. It can pay for injuries to you and your family as well as your vehicle’s damage.

Since a lot of drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is very important. Frequently your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Coverage for medical payments

Personal Injury Protection (PIP) and medical payments coverage provide coverage for bills such as prosthetic devices, nursing services, X-ray expenses and EMT expenses. They can be used to fill the gap from your health insurance plan or if you do not have health coverage. Medical payments and PIP cover you and your occupants as well as if you are hit as a while walking down the street. Personal Injury Protection is only offered in select states but can be used in place of medical payments coverage

Collision insurance

This will pay to fix damage to your Ninety-Eight resulting from a collision with another car or object. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims like sideswiping another vehicle, rolling your car, hitting a mailbox and sustaining damage from a pot hole. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are older. It’s also possible to increase the deductible to save money on collision insurance.

Liability insurance

This will cover damage or injury you incur to a person or their property that is your fault. It protects you from claims by other people. It does not cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see values of 100/300/100 which stand for $100,000 bodily injury coverage, a per accident bodily injury limit of $300,000, and $100,000 of coverage for damaged propery. Some companies may use one number which is a combined single limit which limits claims to one amount rather than limiting it on a per person basis.

Liability insurance covers claims such as repair costs for stationary objects, structural damage, legal defense fees, attorney fees and repair bills for other people’s vehicles. How much liability should you purchase? That is a personal decision, but it’s cheap coverage so purchase higher limits if possible.

Quote more, save more

We just showed you a lot of techniques to save on 1995 Oldsmobile Ninety-Eight insurance. The key thing to remember is the more providers you compare, the better your comparison will be. You may even discover the best rates are with some of the lesser-known companies. These smaller insurers can often insure niche markets at a lower cost compared to the large companies like State Farm, Geico and Nationwide.

Cheap 1995 Oldsmobile Ninety-Eight insurance can be purchased from both online companies and also from your neighborhood agents, so you need to quote auto insurance with both in order to have the best chance of saving money. Some insurance companies may not offer online rate quotes and many times these small, regional companies work with independent agencies.

When getting auto insurance quotes online, don’t be tempted to skimp on critical coverages to save a buck or two. There are many occasions where someone sacrificed comprehensive coverage or liability limits only to discover later they didn’t have enough coverage. The proper strategy is to get the best coverage possible for the lowest price while not skimping on critical coverages.

Additional detailed information can be read in these articles:

• Protecting Teens from Drunk Driving (Insurance Information Insitute)
• Five Tips to Save on Auto Insurance (Insurance Information Insitute)
• Understanding Your Insurance Deductible (Insurance Information Insitute)
• What is Full Coverage? (Allstate)
• Think You’re a Safe Driver? (State Farm)

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