1997 Oldsmobile Eighty-Eight Insurance Quotes

Want cheaper car insurance rates for your Oldsmobile Eighty-Eight? I can’t think of anyone who likes paying for car insurance, especially knowing the price is too high.

Drivers have so many auto insurance companies to buy insurance from, and although it’s nice to have a choice, having more auto insurance companies makes it harder to get the best deal.

Pieces of the Oldsmobile Eighty-Eight insurance rate puzzle

It’s important that you understand some of the elements that play a part in calculating insurance rates. Understanding what impacts premium levels empowers consumers to make smart changes that could result in big savings.

  • Better credit scores mean better rates – Having a bad credit history is a large factor in your rate calculation. If your credit rating is not that good, you could pay less to insure your 1997 Oldsmobile Eighty-Eight by improving your rating. Drivers with excellent credit tend to file fewer claims and have better driving records than those with lower credit scores.
  • Multi-policy discounts can save money – Most insurance companies will give a discount to customers who consolidate policies with them in the form of a multi-policy discount. Even if you’re getting this discount it’s in your best interest to compare rates to ensure the best deal. You may still be able to find better rates by insuring with multiple companies.
  • Car features impact rates – Driving a car with an alarm system can help bring down rates. Anti-theft devices like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all hinder auto theft.
  • Your location is important – Being located in small towns and rural areas has it’s advantages when insuring your vehicles. Lower population means a lower chance of having an accident and a lower car theft rate. Drivers who live in large cities regularly have congested traffic and a longer drive to work. Higher commute times means higher likelihood of an accident.
  • The more you drive the more you pay – The higher the mileage driven each year the higher your rates will be. Almost all companies apply a rate based upon how you use the vehicle. Autos that are left in the garage receive lower rates than those used for commuting. If your policy improperly rates your Eighty-Eight may be wasting your money. Verify your insurance declarations sheet shows the correct usage for each vehicle, because improper ratings can cost you money.

How to Get Insurance Comparison Quotes

All the larger insurance companies like Progressive, Geico, Allstate and State Farm allow you to get coverage prices online. Getting quotes doesn’t take much effort as you just enter your required coverages as requested by the quote form. Behind the scenes, the system collects your driving and credit reports and generates pricing information based on these and other factors. Quoting online makes it a lot easier to compare rates but the time it takes to visit several different sites and fill out multiple forms is repetitive and time-consuming. Unfortunately, it is important to perform this step if you are searching for a better rate.

Compare rates the easy way

An easier way to lower your insurance bill makes use of a single form to get prices from multiple companies. The form is fast, eliminates form submissions, and makes price shopping online a little more enjoyable. After sending your information, it gets priced and you are able to buy any or none of the returned quotes. If you find a better price you simply finish the application and purchase coverage. The entire process can be completed in a matter of minutes and you’ll know if lower rates are available.

To quickly find out how much you’re overpaying now, click here to open in a new tab and enter your vehicle and coverage information. To compare your current rates, we recommend you duplicate the insurance coverages as close as possible to your current policy. This ensures you will have a rate comparison based on identical coverages.

Policy discounts you shouldn’t miss

Car insurance companies don’t necessarily list all available discounts very well, so the following is a list of some of the more common and the more hidden discounts you could be receiving.

  • Save over 55 – Mature drivers can possibly qualify for a discount up to 10% for Eighty-Eight insurance.
  • Payment Method – By paying your policy upfront instead of making monthly payments you could save up to 5%.
  • Seat Belts Save – Requiring all passengers to wear their seat belts can save up to 15% off your PIP or medical payments premium.
  • Discount for Swiching Early – Some insurance companies reward drivers for buying a policy prior to your current policy expiring. The savings is around 10%.
  • Safety Course Discount – Taking part in a course teaching defensive driving skills could save 5% or more if your company offers it.
  • Student Driver Training – Make teen driver coverage more affordable by requiring them to complete a driver education course if offered at their school.
  • Federal Employees – Being employed by or retired from a federal job can earn a discount up to 10% for Eighty-Eight insurance with certain companies.
  • Club Memberships – Being a member of a civic or occupational organization may earn a discount when buying insurance for Eighty-Eight insurance.
  • Bundle and Save – If you insure your home and vehicles with one insurance company you may save up to 20% off your total premium.

It’s important to note that many deductions do not apply to the entire cost. Most only cut the cost of specific coverages such as comp or med pay. So when the math indicates you can get free auto insurance, you’re out of luck.

Companies who might offer some of the above discounts are:

Before buying, ask all companies you are considering what discounts are available to you. Savings may not be available everywhere.

Insurance agents can help

When buying the right insurance coverage, there isn’t really a single plan that fits everyone. Every insured’s situation is different so this has to be addressed. For instance, these questions could help you determine whether your personal situation could use an agent’s help.

  • Is my 1997 Oldsmobile Eighty-Eight covered for smoke damage?
  • Does medical payments coverage apply to all occupants?
  • What vehicles should carry emergency assistance coverage?
  • What happens if I owe more than my 1997 Oldsmobile Eighty-Eight is worth?
  • Does insurance cover tools stolen from my truck?
  • Does my insurance cover a custom paint job?
  • Why am I required to buy liability insurance?
  • Should I file a claim if it’s only slightly more than my deductible?
  • How many claims can I have before being cancelled?

If you can’t answer these questions but a few of them apply, then you may want to think about talking to a licensed insurance agent. To find an agent in your area, fill out this quick form or you can go here for a list of companies in your area.

Car insurance coverage considerations

Learning about specific coverages of car insurance can help you determine which coverages you need and proper limits and deductibles. Car insurance terms can be confusing and nobody wants to actually read their policy. Below you’ll find the usual coverages offered by car insurance companies.

Comprehensive (Other than Collision)

This coverage pays for damage from a wide range of events other than collision. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things like theft, damage from flooding, damage from a tornado or hurricane and fire damage. The most a car insurance company will pay at claim time is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Protection from uninsured/underinsured drivers

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other motorists when they either are underinsured or have no liability coverage at all. Covered losses include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Because many people 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.

Liability car insurance

Liability insurance provides protection from damage or injury you incur to other’s property or people in an accident. It protects you against claims from other people, and doesn’t cover your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see limits of 50/100/50 that translate to $50,000 in coverage for each person’s injuries, a limit of $100,000 in injury protection per accident, and property damage coverage for $50,000.

Liability coverage protects against claims like medical services, pain and suffering, court costs and attorney fees. The amount of liability coverage you purchase is a personal decision, but buy as high a limit as you can afford.

Auto collision coverage

This will pay to fix damage to your Eighty-Eight resulting from a collision with another vehicle or an object, but not an animal. You first must pay a deductible and then insurance will cover the remainder.

Collision can pay for things such as crashing into a building, backing into a parked car, sideswiping another vehicle and hitting a parking meter. This coverage can be expensive, so analyze the benefit of dropping coverage from older vehicles. It’s also possible to choose a higher deductible in order to get cheaper collision rates.

Medical expense insurance

Med pay and PIP coverage provide coverage for expenses such as ambulance fees, funeral costs, hospital visits, X-ray expenses and pain medications. They are used to fill the gap from your health insurance plan or if you are not covered by health insurance. It covers not only the driver but also the vehicle occupants as well as if you are hit as a while walking down the street. PIP is not an option in every state but it provides additional coverages not offered by medical payments coverage

Make an honest buck

You just read a lot of techniques to shop for 1997 Oldsmobile Eighty-Eight insurance online. The key concept to understand is the more times you quote, the higher the chance of saving money. You may be surprised to find that the lowest priced car insurance comes from some of the lesser-known companies. Smaller companies may cover specific market segments cheaper than the large multi-state companies such as Progressive or Geico.

When trying to cut insurance costs, don’t be tempted to reduce needed coverages to save money. There are many occasions where an accident victim reduced collision coverage only to find out that the few dollars in savings costed them thousands. The aim is to find the BEST coverage at the best price, not the least amount of coverage.

Affordable insurance is available from both online companies as well as from independent agents, so you should be comparing quotes from both so you have a total pricing picture. Some insurance providers don’t offer the ability to get a quote online and most of the time these smaller companies sell through independent agents.

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