1993 Oldsmobile Ninety-Eight Insurance Quotes – 9 Discounts for Cheapest Rates

Want cheaper car insurance rates for your Oldsmobile Ninety-Eight? I can’t think of anyone who enjoys paying for car insurance, particularly when the cost is too high. Many car insurance companies vie for your business, and it can be difficult to compare rates to get the best rate

If you are insured now or need new coverage, you can use these tips to shop for the lowest rates and possibly find even better coverage. Finding affordable coverage is not rocket science. Consumers only need an understanding of the proper methods to shop for auto insurance online.

The fastest way that we advise to get rate comparisons is to take advantage of the fact almost all companies allow for online access to provide you with free rate quotes. All consumers are required to do is provide the companies a bit of rating information like how your vehicles are used, if you went to college, an estimate of your credit level, and whether or not you need a SR-22. The data is then submitted to insurance carriers in your area and they return rate quotes with very little delay.

To compare rates now, click here and enter the information requested.

What coverages do I need?

When it comes to buying adequate coverage for your vehicles, there really is not a one size fits all plan. Everyone’s situation is a little different so your insurance should reflect that These are some specific questions could help you determine if your situation would benefit from professional advice.

• Am I covered when using my vehicle for business?
• How much liability do I need to cover my assets?
• Am I covered if I crash into my own garage door?
• Are rock chip repairs covered?
• Do I need replacement cost coverage?
• What is PIP insurance?
• Can I rent a car in Mexico?
• Will my vehicle be repaired with OEM or aftermarket parts?

If you don’t know the answers to these questions but one or more may apply to you then you might want to talk to an insurance agent. To find lower rates from a local agent, fill out this quick form or go to this page to view a list of companies. It’s fast, doesn’t cost anything and you can get the answers you need.

Insurance coverage specifics

Knowing the specifics of your policy helps when choosing the best coverages and the correct deductibles and limits. Insurance terms can be impossible to understand and nobody wants to actually read their policy. Listed below are typical coverages offered by insurance companies.

Coverage for liability – This provides protection from injuries or damage you cause to people or other property in an accident. This coverage protects you from legal claims by others. Liability doesn’t cover your injuries or vehicle damage.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see liability limits of 100/300/100 that translate to a limit of $100,000 per injured person, a limit of $300,000 in injury protection per accident, and a total limit of $100,000 for damage to vehicles and property.

Liability insurance covers claims such as court costs, medical expenses, funeral expenses and medical services. How much liability should you purchase? That is your choice, but consider buying as large an amount as possible.

Insurance for medical payments – Medical payments and Personal Injury Protection insurance kick in for bills for surgery, funeral costs, prosthetic devices and EMT expenses. The coverages can be used to fill the gap from your health insurance program or if you do not have health coverage. Coverage applies to you and your occupants as well as any family member struck as a pedestrian. PIP coverage is only offered in select states but can be used in place of medical payments coverage

Comprehensive coverage (or Other than Collision) – Comprehensive insurance coverage will pay to fix damage from a wide range of events other than collision. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage pays for claims like a tree branch falling on your vehicle, vandalism and hail damage. The maximum amount a insurance company will pay at claim time is the market value of your vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Uninsured Motorist or Underinsured Motorist insurance – This protects you and your vehicle’s occupants when other motorists either have no liability insurance or not enough. Covered losses include medical payments for you and your occupants and also any damage incurred to your 1993 Oldsmobile Ninety-Eight.

Since a lot of drivers only carry the minimum required liability limits, their limits can quickly be used up. So UM/UIM coverage is a good idea.

Collision coverages – This coverage pays to fix your vehicle from damage resulting from a collision 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 crashing into a building, sustaining damage from a pot hole, sideswiping another vehicle, backing into a parked car and scraping a guard rail. Collision coverage makes up a good portion of your premium, so consider dropping it from lower value vehicles. It’s also possible to bump up the deductible to bring the cost down.