View 1994 Oldsmobile Ninety-Eight Insurance Quotes

Did you fall for a flashy sales pitch and buy an underperforming, overpriced insurance policy? Believe me when I say you’re not the only one.

Multiple insurers compete for your hard-earned dollar, so it can be very hard to choose a company to find the best rates possible.

How to Get Car Insurance

All the larger car insurance companies such as Allstate and Progressive provide coverage price quotes on their websites. Obtaining pricing is quite simple as you simply type in your required coverages into a form. When complete, the company’s rating system orders your driving and credit reports and gives you a price quote. This streamlines rate comparisons, but the time required to go to different websites and enter the same data into a form is not the best way to spend an afternoon. But it’s absolutely necessary to have as many quotes as possible if you want to find better car insurance pricing.

Rate comparisons made easy

A less time-consuming method to lower your car insurance bill uses one form that gets price quotes from many companies. It’s a real time-saver, requires much less work on your part, and makes quoting online much more enjoyable and efficient. As soon as the form is sent, it is quoted and you can choose any one of the resulting price quotes. If you find a better price you can simply submit the application and buy the new coverage. The whole process just takes a couple of minutes and may save quite a bit of money.

To find out how much you can save on car insurance, click here to open in a new tab and submit the form. If you currently have coverage, we recommend that you enter the insurance coverages just like they are on your policy. Using the same limits helps guarantee you are getting a price comparison based on similar coverages.

Save money by taking advantage of these discounts

Companies offering auto insurance don’t always list all their discounts in an easy-to-find place, so here is a list some of the more common and the harder-to-find savings tricks you should be using.

  • Save with a New Car – Adding a new car to your policy can cost up to 25% less because new vehicles have to meet stringent safety requirements.
  • Drivers Education – Make teen driver coverage more affordable by requiring them to enroll in driver’s education if it’s offered in school.
  • E-sign – A few companies will give a small break for buying your policy digitally online.
  • Seat Belts Save more than Lives – Buckling up and requiring all passengers to use a seat belt can save up to 15% off your medical payments premium.
  • Low Mileage – Low mileage vehicles could qualify for lower rates on the low mileage vehicles.

Drivers should understand that some of the credits will not apply to the entire policy premium. Most only cut the price of certain insurance coverages like liability and collision coverage. So even though it sounds like having all the discounts means you get insurance for free, it doesn’t quite work that way.

To see a list of insurers with the best insurance coverage discounts, click this link.

When should I use an insurance agent?

When choosing the right insurance coverage, there is no perfect coverage plan. Everyone’s situation is a little different and a cookie cutter policy won’t apply. Here are some questions about coverages that can aid in determining if you could use an agent’s help.

  • Am I covered when driving in Canada or Mexico?
  • Am I covered by my spouse’s policy after a separation?
  • Why do I only qualify for high-risk insurance?
  • Do I need added coverage for expensive stereo equipment?
  • Do I need rental car coverage?
  • Do I have coverage if my license is suspended?
  • Will I be non-renewed for getting a DUI or other conviction?

If it’s difficult to answer those questions but one or more may apply to you, then you may want to think about talking to an agent. To find an agent in your area, take a second and complete this form or click here for a list of insurance coverage companies in your area.

Why your Oldsmobile Ninety-Eight insurance rates may be high

Smart consumers have a good feel for some of the elements that go into determining your insurance rates. Understanding what determines base rates enables informed choices that could result in lower insurance prices.

  • Marriage brings a discount – Getting married actually saves money on insurance. Having a spouse usually means you are more responsible and it’s proven that drivers who are married are more cautious.
  • Better crash test results mean better rates – Cars with high safety ratings are cheaper to insure. Safe vehicles protect occupants better and any reduction in injury severity means less money paid by your insurance company passed on to you as lower rates. If your Oldsmobile Ninety-Eight is rated at least four stars on Safercar.gov or an “acceptable” rating on iihs.org you may qualify for a discount.
  • Little extras can really add up – There are many extra coverages that you can buy if you aren’t careful. Insurance for rental car reimbursement, towing coverage and membership fees may be wasting your money. They may seem like a good idea at first, but your needs may have changed so eliminate the coverages to reduce your premium.
  • More than one policy can earn a discount – Many insurance companies provide better rates to policyholders who carry more than one policy in the form of a multi-policy discount. If you currently are using one company, it’s still a good idea to compare other company rates to confirm you are receiving the best rates possible. You may still find a better deal by buying insurance from a different company.

Coverage specifics

Learning about specific coverages of a car insurance policy helps when choosing the right coverages for your vehicles. Car insurance terms can be difficult to understand and reading a policy is terribly boring. These are the usual coverages available from car insurance companies.

Collision coverage protection

This covers damage to your Ninety-Eight from colliding with an object or car. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims like crashing into a building, driving through your garage door, sideswiping another vehicle, sustaining damage from a pot hole and damaging your car on a curb. Paying for collision coverage can be pricey, so you might think about dropping it from lower value vehicles. Another option is to increase the deductible to get cheaper collision coverage.

Uninsured Motorist or Underinsured Motorist insurance

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

Since a lot of drivers have only the minimum liability required by law, their limits can quickly be used up. So UM/UIM coverage should not be overlooked.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance pays for damage that is not covered by collision coverage. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers things like vandalism, theft and a tree branch falling on your vehicle. The highest amount you’ll receive from a claim is the actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Insurance for medical payments

Coverage for medical payments and/or PIP reimburse you for expenses for things like rehabilitation expenses, doctor visits, nursing services and chiropractic care. The coverages can be used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover both the driver and occupants as well as getting struck while a pedestrian. Personal injury protection coverage is not an option in every state but can be used in place of medical payments coverage

Coverage for liability

Liability coverage will cover injuries or damage you cause to other’s property or people by causing an accident. This insurance protects YOU from legal claims by others. It does not cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see policy limits of 100/300/100 that means you have $100,000 bodily injury coverage, a total of $300,000 of bodily injury coverage per accident, and a limit of $100,000 paid for damaged property.

Liability coverage pays for claims such as structural damage, medical expenses, legal defense fees and attorney fees. How much coverage you buy is your choice, but buy as much as you can afford.

Feed the piggy bank

You just read a lot of information how to lower your 1994 Oldsmobile Ninety-Eight insurance rates. The most important thing to understand is the more times you quote, the better likelihood of reducing your rate. You may even discover the most savings is with some of the smallest insurance companies. Regional companies can often provide lower rates in certain areas than the large multi-state companies such as State Farm and Allstate.

Lower-priced insurance is attainable from both online companies as well as from independent agents, and you should compare price quotes from both to get a complete price analysis. A few companies don’t offer you the ability to get quotes online and these regional insurance providers work with independent agents.

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