How Much Does 1990 Oldsmobile Ninety-Eight Car Insurance Cost?

Looking for better auto insurance rates for your Oldsmobile Ninety-Eight? Finding better insurance prices for your Oldsmobile Ninety-Eight can be a painful process, but you can follow a few tricks to make it easier.

There is a right way and a wrong way to buy auto insurance and we’ll show you the best way to get price quotes for a new or used Oldsmobile and find the lowest possible price.

It’s a great practice to do rate comparisons quite often since insurance rates are adjusted regularly by insurance companies. Just because you found the best price for Ninety-Eight coverage a couple years back there is a good chance you can find better rates now. You can find a lot of misleading information regarding auto insurance on the internet, so with this article, you’re going to get some proven techniques to slash your auto insurance rates.

If you have a policy now or are shopping for new coverage, you will benefit by learning to shop for the lowest rates while maintaining coverages. Locating more affordable protection is quite easy. Drivers only need an understanding of the most effective way to get comparison rates over the internet.

How to Lower Your Insurance Cost

Most companies like Allstate, Geico and Progressive provide prices on the web. Getting quotes is quite easy as you just enter the coverages you want into a form. Once entered, the company’s rating system requests reports for credit and driving violations and generates pricing information determined by many factors.

This streamlines rate comparisons, but the time required to go to many different websites and fill out multiple forms is not the best way to spend an afternoon. Unfortunately, it is important to get many rate quotes in order to find better prices.

The easy way to compare rates

A quicker way to compare insurance pricing uses one form to return rates from many companies. It’s a real time-saver, requires much less work on your part, and makes online quotes a lot less work. As soon as the form is sent, it is quoted and you can select any or none of the price quotes you receive.

If one or more price quotes are lower than your current rates, you can simply submit the application and buy the policy. It can be completed in a matter of minutes and may result in a nice savings.

In order to find out how much you can save on insurance, click here and begin entering your coverage information. If you have a policy now, it’s recommended you complete the form with coverages and limits as shown on your current policy. Doing this guarantees you will have a rate comparison for the exact same coverage.

Do car insurance companies bend the truth?

Drivers can’t ignore all the ads for the lowest price auto insurance by Allstate, Geico and Progressive. They all say the same thing that you’ll save big if you switch to their company.

How do they all say the same thing? It’s all in the numbers.

Insurance companies can use profiling for the type of driver that makes them money. A good example of a driver they prefer might be between 25 and 40, has no tickets, and has a short commute. A propective insured who matches those parameters gets the lowest rates and is almost guaranteed to cut their rates substantially.

Potential customers who don’t meet these standards will be charged a more expensive rate and ends up with the driver buying from a lower-cost company. The ads state “drivers who switch” but not “drivers who get quotes” save that much. This is how companies can truthfully make the claims of big savings.

That is why you should get a wide range of price quotes. Because you never know which insurance companies will provide you with the cheapest Oldsmobile Ninety-Eight insurance rates.

Oldsmobile Ninety-Eight insurance rates consist of many parts

Consumers need to have an understanding of the different types of things that play a part in calculating the price you pay for car insurance. Knowing what impacts premium levels enables informed choices that can help you get lower car insurance prices.

  • Women pay lower rates – Statistics have proven that men are more aggressive behind the wheel. Now that doesn’t mean women are better drivers. Women and men cause accidents at about the same rate, but the male of the species tend to have more serious accidents. Men also tend to get more serious tickets like reckless driving and DUI.
  • Safer occupants lowers premiums – Vehicles with good safety scores are cheaper to insure. Safe vehicles have better occupant injury protection and fewer injuries means less money paid by your insurance company and thus lower rates. If your Oldsmobile Ninety-Eight is rated 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.
  • Your location affects your rates – Residing in small towns and rural areas can save you money when it comes to car insurance. Urban drivers regularly have traffic congestion and much longer commute distances. Fewer drivers means fewer accidents and also fewer theft and vandalism claims.
  • Don’t sacrifice liability coverage – The liability section of your policy is the protection if a court rules you are at fault for causing damage or personal injury in an accident. It provides legal defense up to the limits shown on your policy. Carrying liability coverage is mandatory and cheap compared to insuring for physical damage coverage, so do not cut corners here.
  • Tickets mean higher rates – Your driving record has a lot to do with how much you pay for insurance. Even a single citation may increase your cost twenty percent or more. Drivers with clean records receive lower rates than people who have multiple driving citations. Drivers who get severe violations like hit and run, DWI or reckless driving convictions may be required to file a SR-22 with the DMV in their state in order to drive a vehicle legally.
  • Marriage pays dividends – Being married actually saves money when buying car insurance. Marriage means you’re more mature and it’s statistically proven that married couples file fewer claims.

Verify you’re getting all your discounts

Car insurance can cost a lot, but there could be available discounts that you may not know about. Most are applied when you complete an application, but a few need to be requested specifically prior to getting the savings. If you’re not getting every credit you qualify for, you’re paying more than you need to.

  • Accident Free – Drivers with accident-free driving histories can earn big discounts when compared to drivers who are more careless.
  • Clubs and Organizations – Participating in certain professional organizations could qualify you for a break when shopping for auto insurance for Ninety-Eight coverage.
  • Good Students Pay Less – Performing well in school can earn a discount of 20% or more. The discount lasts up until you turn 25.
  • Senior Citizens – Mature drivers may qualify for a small decrease in premiums for Ninety-Eight coverage.
  • New Vehicle Savings – Adding a new car to your policy can be considerably cheaper because new vehicles have to meet stringent safety requirements.
  • Payment Discounts – If you pay your bill all at once instead of making monthly payments you could save 5% or more.
  • Early Switch Discount – A few companies offer discounts for switching to them before your current expiration date. It’s a savings of about 10%.
  • Multiple Vehicles – Buying insurance for multiple vehicles on one policy can get a discount on all vehicles.
  • Drive Safe and Save – Safe drivers may receive a discount up to 45% less for Ninety-Eight coverage than less cautious drivers.

Drivers should understand that many deductions do not apply to your bottom line cost. Most only reduce specific coverage prices like collision or personal injury protection. So when it seems like you would end up receiving a 100% discount, companies don’t profit that way. Any amount of discount will bring down your premiums.

For a list of companies who offer auto insurance discounts, click here.

When should I talk to an agent?

When choosing proper insurance coverage for your personal vehicles, there really is not a “best” method to buy coverage. Coverage needs to be tailored to your specific needs.

For example, these questions might help in determining if your situation would benefit from professional advice.

  • Do I get a pro-rated refund if I cancel my policy early?
  • Should I buy more coverage than the required minimum liability coverage?
  • What vehicles should carry emergency assistance coverage?
  • I have good health insurance, so how much medical payments coverage do I need?
  • Is a fancy paint job covered?
  • Will my insurance pay for OEM parts?

If you don’t know the answers to these questions but you think they might apply to your situation, you may need to chat with a licensed insurance agent. If you want to speak to an agent in your area, complete this form. It’s fast, free and can help protect your family.

Specifics of your auto insurance policy

Knowing the specifics of your policy can be of help when determining the right coverages and proper limits and deductibles. The coverage terms in a policy can be difficult to understand and reading a policy is terribly boring.

Collision coverage – This covers damage to your Ninety-Eight resulting from colliding with an object or car. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims like scraping a guard rail, colliding with another moving vehicle and crashing into a building. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are older. Another option is to bump up the deductible to save money on collision insurance.

Comprehensive or Other Than Collision – Comprehensive insurance will pay to fix damage that is not covered by collision coverage. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things such as damage from a tornado or hurricane, fire damage and theft. The highest amount your auto insurance company will pay is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Medical costs insurance – Med pay and PIP coverage reimburse you for immediate expenses like chiropractic care, rehabilitation expenses, hospital visits and EMT expenses. They are used in conjunction with a health insurance policy or if you are not covered by health insurance. They cover all vehicle occupants as well as if you are hit as a while walking down the street. Personal injury protection coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Liability coverages – This coverage provides protection from injuries or damage you cause to a person or their property. This coverage protects you against claims from other people, and doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see values of 100/300/100 which stand for $100,000 in coverage for each person’s injuries, a limit of $300,000 in injury protection per accident, and $100,000 of coverage for damaged propery. Occasionally you may see a combined single limit or CSL which combines the three limits into one amount with no separate limits for injury or property damage.

Liability coverage pays for claims such as medical services, pain and suffering, bail bonds and loss of income. How much liability should you purchase? That is your choice, but buy as high a limit as you can afford.

UM/UIM Coverage – This coverage gives you protection from other drivers when they do not carry enough liability coverage. This coverage pays for medical payments for you and your occupants as well as damage to your Oldsmobile Ninety-Eight.

Since many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage should not be overlooked. Normally these coverages are set the same as your liablity limits.

Be a money saver!

We’ve covered a lot of tips how to reduce 1990 Oldsmobile Ninety-Eight insurance prices online. The key concept to understand is the more companies you get rates for, the better your chances of lowering your rates. Consumers may even find the best prices are with an unexpected company.

The cheapest insurance is available from both online companies and also from your neighborhood agents, so compare prices from both to have the best chance of lowering rates. There are still a few companies who may not provide you the ability to get quotes online and usually these small, regional companies provide coverage only through local independent agents.

Drivers switch companies for a number of reasons such as denial of a claim, policy non-renewal, extreme rates for teen drivers and even questionable increases in premium. Regardless of your reason, finding a new car insurance company is pretty simple and you could end up saving a buck or two.

Even more information is available in these articles: