Compare 1996 Oldsmobile Ninety-Eight Insurance Quotes

Searching for the cheapest insurance rates? Consumers have a choice when looking for low-cost Oldsmobile Ninety-Eight insurance. You can either spend your time calling around getting price quotes or use the internet to find the lowest rates. There are more efficient ways to find insurance online so you’re going to learn the proper way to price shop coverage for your Oldsmobile and find the lowest possible price from both online companies and local agents.

It is always a good idea to check insurance prices before your policy renews due to the fact that insurance rates trend upward over time. Despite the fact that you may have had the lowest rates for Ninety-Eight insurance last year there may be better deals available now. So forget all the misinformation about insurance because you’re going to learn the only way to save money, get proper coverage and the best rates.

Free Auto Insurance Quotes

Getting better 1996 Oldsmobile Ninety-Eight auto insurance pricing doesn’t have to be difficult. Consumers just need to take a few minutes to get quotes online from several insurance companies. This can be accomplished using a couple different methods.

  1. One of the simplest ways consumers can make multiple comparisons would be an industry-wide quote request form click to view form in new window. This form eliminates the need for separate quotation requests for each company. Just one form will return price quotes from multiple low-cost companies. It’s the fastest way to compare.
  2. A harder way to compare rate quotes requires a visit to the website for each individual company and fill out their own quote form. For sake of this example, we’ll pretend you want to compare Auto-Owners, Farmers and Liberty Mutual. To find out each rate you need to visit each site and enter your policy data, and that’s why the first method is more popular.

    For a handy list of car insurance company links in your area, click here.

  3. The most time-consuming way to get comparison rates is driving around to and from local insurance agencies. Shopping for auto insurance online can eliminate the need for a local agent unless you want the trained guidance that only a license agent can provide. It is possible to find lower rates online and still use a local agent and we’ll talk about that later.

However you get your quotes, ensure you’re using apples-to-apples coverage limits for every quote you compare. If you compare different liability limits you can’t possibly determine the lowest rate for your Oldsmobile Ninety-Eight.

Are you getting all your discounts?

Companies don’t list every available discount in an easy-to-find place, so we took the time to find both well-publicized as well as the least known discounts you could be receiving. If they aren’t giving you every credit available, you’re just leaving money on the table.

  • Payment Method – By paying your policy upfront rather than paying monthly you may reduce your total bill.
  • Paperless Signup – Some insurance companies give back up to $50 for buying your policy on their website.
  • Passive Restraints – Cars that have air bags can receive discounts of up to 25% or more.
  • Early Switch Discount – Select companies give a discount for signing up before your current policy expires. It’s a savings of about 10%.
  • Drive Less and Save – Driving fewer miles could qualify for discounted rates on garaged vehicles.
  • New Car Discount – Buying coverage on a new vehicle is cheaper because new vehicles have to meet stringent safety requirements.
  • Auto/Life Discount – Larger companies have a discount if you purchase auto and life insurance together.

Keep in mind that most credits do not apply to the overall cost of the policy. Most only apply to the cost of specific coverages such as liability and collision coverage. So even though they make it sound like adding up those discounts means a free policy, companies don’t profit that way.

Companies that possibly offer some of the above discounts include:

Double check with each company which discounts you may be entitled to. Savings may not be available in your area.

Tailor your coverage to you

When it comes to buying the best car insurance coverage for your personal vehicles, there isn’t really a cookie cutter policy. Everyone’s needs are different.

For example, these questions may help highlight if your insurance needs might need an agent’s assistance.

  • Do I benefit by insuring my home with the same company?
  • Am I covered if I wreck a rental car?
  • Is my teen driver covered when they drive my company car?
  • Am I covered by my spouse’s policy after a separation?
  • Do I need motorclub coverage?
  • Is business equipment covered while in my vehicle?
  • Are my tools covered if they get stolen from my vehicle?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?

If you can’t answer these questions but you think they might apply to your situation, then you may want to think about talking to a licensed agent. If you don’t have a local agent, take a second and complete this form. It is quick, free and can provide invaluable advice.

Oldsmobile Ninety-Eight insurance rates consist of many parts

Consumers need to have an understanding of the factors that come into play when calculating the price you pay for car insurance. Having a good understanding of what impacts premium levels allows you to make educated decisions that may reward you with big savings.

The list below includes some of the items companies use to determine rates.

  • Claim-free discounts can add up – Car insurance companies award better rates to drivers who are claim-free. If you tend to file frequent claims, you can pretty much guarantee either policy cancellation or increased premiums. Car insurance is designed for the bigger claims that can’t be paid out-of-pocket.
  • Discounts for multiple policies – Some car insurance companies will award you with lower prices to policyholders who carry more than one policy. It’s known as a multi-policy discount. Discounts can amount to ten or even up to twenty percent in some cases. If you currently are using one company, it’s in your best interest to compare other company rates to ensure the best deal.
  • Higher safety ratings means cheaper insurance – Vehicles with good safety scores tend to have better insurance rates. These vehicles have better occupant injury protection and lower injury rates means lower claim amounts passed on to you as lower rates. If your Oldsmobile Ninety-Eight scored better than four stars on Safercar.gov or an “acceptable” rating on iihs.org it may be receiving lower rates.
  • Traffic citations inflate rates – Drivers with clean records tend to pay less for car insurance than people who have multiple driving citations. Even a single speeding ticket may increase your cost twenty percent or more. Drivers who get severe violations such as hit and run, DWI or reckless driving convictions may be required to file a proof of financial responsibility form (SR-22) to the state department of motor vehicles in order to drive a vehicle legally.
  • Your occupation can affect rates – Did you know your car insurance rates can be affected by your occupation? Careers like lawyers, business owners and dentists tend to pay the highest average rates in part from high stress levels and long work hours. Other professions such as farmers, historians and performers have the lowest average rates for Ninety-Eight insurance.
  • Your location affects your rates – Residing in a rural area is a positive aspect when it comes to car insurance. Drivers in populated areas have to deal with more traffic problems and a longer drive to work. Fewer drivers means a lower chance of having an accident and a lower car theft rate.
  • Don’t buy coverages you don’t need – There are many extra coverages that can waste your money when buying car insurance. Coverages for vanishing deductibles, accident forgiveness and membership fees may be costing you every month. These coverages may sound good when you first buy your policy, but your needs may have changed so eliminate them to save money.
  • Adjust deductibles and save – Coverage for physical damage, commonly called comprehensive (or other-than-collision) and collision coverage, is used to repair damage to your Oldsmobile. A few examples of covered claims would be colliding with a building, vandalism, and windstorm damage. Physical damage deductibles are how much you are required to spend if you file a covered claim. The higher the amount you have to pay, the bigger discount you will receive for Ninety-Eight insurance.

Save $486 a year? Really?

Drivers can’t ignore all the ads for the lowest price auto insurance from the likes of Allstate, Geico and Progressive. They all make an identical promise that you can save if you switch your coverage to them.

How does each company say the same thing? It’s all in the numbers.

All companies have a preferred profile for the driver that makes them money. For instance, a profitable customer could be a mature driver, owns a home, and has a high credit rating. A driver who fits that profile will get the preferred rates and is almost guaranteed to cut their rates substantially.

Potential customers who don’t qualify for the requirements will have to pay higher prices and this can result in the driver buying from a lower-cost company. The ad wording is “customers that switch” not “people who quote” save money. This is how companies can truthfully make those claims. Because of the profiling, it is so important to get quotes from several different companies. It’s just too difficult to predict which company will give you the biggest savings on Oldsmobile Ninety-Eight insurance.

What insurance coverages do you need?

Understanding the coverages of your insurance policy helps when choosing which coverages you need and the correct deductibles and limits. Policy terminology can be impossible to understand and nobody wants to actually read their policy.

Comprehensive auto coverage – This coverage will pay to fix 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 can pay for claims such as rock chips in glass, fire damage, a tree branch falling on your vehicle and damage from a tornado or hurricane. The highest amount you’ll receive from a claim is the cash value of the vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Collision coverage – Collision insurance pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for claims such as backing into a parked car, colliding with another moving vehicle, driving through your garage door, hitting a mailbox and crashing into a ditch. Collision coverage makes up a good portion of your premium, so consider removing coverage from lower value vehicles. It’s also possible to bump up the deductible to save money on collision insurance.

UM/UIM (Uninsured/Underinsured Motorist) coverage – This coverage protects you and your vehicle’s occupants when the “other guys” either have no liability insurance or not enough. Covered losses include injuries sustained by your vehicle’s occupants and also any damage incurred to your Oldsmobile Ninety-Eight.

Since many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is very important.

Auto liability insurance – Liability insurance will cover damage or injury you incur to other’s property or people that is your fault. It protects YOU from claims by other people. Liability doesn’t cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see limits of 100/300/100 that means you have a limit of $100,000 per injured person, a total of $300,000 of bodily injury coverage per accident, and property damage coverage for $100,000.

Liability insurance covers claims like repair bills for other people’s vehicles, legal defense fees, court costs and funeral expenses. How much liability coverage do you need? That is up to you, but buy as large an amount as possible.

Medical payments and PIP coverage – Personal Injury Protection (PIP) and medical payments coverage kick in for short-term medical expenses such as pain medications, ambulance fees and doctor visits. They are often used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. It covers not only the driver but also the vehicle occupants and will also cover being hit by a car walking across the street. PIP coverage is not available in all states and gives slightly broader coverage than med pay

Save for a rainy day

People switch companies for any number of reasons including extreme rates for teen drivers, lack of trust in their agent, policy non-renewal or being labeled a high risk driver. Whatever your reason, finding the right insurance provider is less work than it seems.

In this article, we presented a lot of information how to get a better price on 1996 Oldsmobile Ninety-Eight insurance. The key concept to understand is the more rate quotes you have, the higher your chance of finding lower rates. Consumers could even find that the most savings is with a small mutual company.

The cheapest insurance is attainable both online as well as from independent agents, so you should be comparing quotes from both in order to have the best price selection to choose from. A few companies don’t offer you the ability to get quotes online and usually these small insurance companies provide coverage only through local independent agents.

To read more, link through to the articles below: