1995 Oldsmobile Ninety-Eight Car Insurance Cost – 10 Tips for Cheaper Prices

Searching for the cheapest car insurance rates for your Oldsmobile Ninety-Eight? Locating the cheapest insurance for an Oldsmobile Ninety-Eight can be an all-consuming task, but you can learn our car insurance buying tips to save time. There are more efficient ways to find car insurance online so you’re going to learn the best way to price shop coverage for your Oldsmobile and obtain the cheapest rates from both online companies and local agents.

It is always a good idea to price shop coverage periodically because rates change frequently. Just because you had the lowest rates on Ninety-Eight coverage two years ago there is a good chance you can find better rates now. Starting now, ignore everything you know about car insurance because it’s time to teach you one of the best ways to find better rates and still maintain coverage.

Finding the best rates is quite easy. If you have a policy now or are looking for a new policy, you can use these tips to cut your premiums and still get good coverage. Vehicle owners only need an understanding of the most efficient way to compare price quotes over the internet.

Cut your auto insurance rates with these ten discounts

Companies do not list every discount very well, so we researched some of the more common and also the lesser-known discounts you could be receiving. If you don’t get every credit possible, you are throwing money away.

  • Safety Course Discount – Completing a course teaching defensive driving skills could cut 5% off your bill and easily recoup the cost of the course.
  • Student in College – Children who attend school more than 100 miles from home and do not have access to a covered vehicle can be insured at a reduced rate.
  • Save over 55 – Older drivers may receive better auto insurance rates on Ninety-Eight coverage.
  • Pay Upfront and Save – If you pay your bill all at once rather than paying monthly you may reduce your total bill.
  • Anti-lock Brake Discount – Cars that have steering control and anti-lock brakes prevent accidents and earn discounts up to 10%.
  • Claim Free – Claim-free drivers pay less when compared with frequent claim filers.
  • Discount for New Cars – Adding a new car to your policy can cost up to 25% less due to better safety requirements for new cars.
  • Theft Prevention Discount – Anti-theft and alarm systems prevent vehicle theft and earn discounts up to 10%.
  • Homeowners Savings – Owning a home may earn you a small savings because owning a home demonstrates responsibility.
  • Passive Restraint Discount – Vehicles equipped with air bags or motorized seat belts can qualify for discounts of more than 20%.

A little note about advertised discounts, some of the credits will not apply to the entire policy premium. Most only reduce the price of certain insurance coverages like liability and collision coverage. So even though they make it sound like adding up those discounts means a free policy, it just doesn’t work that way.

Insurance companies that may offer some of the above discounts are:

Check with every prospective company which discounts you may be entitled to. Savings may not apply in your state.

You are unique and your insurance coverage should be too

When buying the best insurance coverage coverage for your vehicles, there is no perfect coverage plan. Everyone’s needs are different.

These are some specific questions may help highlight if your situation will benefit from professional help.

  • Am I covered if I wreck a rental car?
  • Does my liability insurance cover pulling a trailer or camper?
  • Should I drop comprehensive coverage on older vehicles?
  • Is a blown tire covered by insurance?
  • Can I afford to pay high deductible claims out of pocket?
  • When should my teen driver be added to my policy?
  • Is rental equipment covered for theft or damage?
  • Will filing a claim cost me more?
  • Why do I need rental car insurance?
  • What discounts do I qualify for?

If you don’t know the answers to these questions then you might want to talk to a licensed insurance agent. To find lower rates from a local agent, take a second and complete this form. It is quick, free and you can get the answers you need.

Don’t believe everything you hear

Consumers constantly see and hear ads for the lowest price auto insurance from companies such as Progressive, Allstate and Geico. All the companies make an identical promise of big savings if you move your policy.

How does each company claim to save you money?

Different companies are able to cherry pick for the type of customer that is profitable for them. For instance, a desirable insured could be a mature driver, has no driving citations, and has excellent credit. Any new insured who meets those qualifications will get the preferred rates and therefore will save when switching.

Consumers who do not match this ideal profile will have to pay higher rates and this can result in the driver buying from a lower-cost company. The ad wording is “customers that switch” not “everybody who quotes” save that much money. That is how insurance companies can confidently claim big savings. Because of the profiling, it’s extremely important to get as many quotes as possible. It is impossible to predict which car insurance company will give you the biggest savings on Oldsmobile Ninety-Eight insurance.

Insurance coverages explained

Knowing the specifics of your policy helps when choosing which coverages you need and the correct deductibles and limits. Policy terminology can be ambiguous and even agents have difficulty translating policy wording.

Comprehensive insurance

Comprehensive insurance covers 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 pays for claims like theft, a tree branch falling on your vehicle, hail damage and rock chips in glass. The highest amount your insurance company will pay is the market value of your vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Med pay and Personal Injury Protection (PIP)

Coverage for medical payments and/or PIP reimburse you for immediate expenses for EMT expenses, doctor visits and funeral costs. They can be utilized in addition to your health insurance policy or if you are not covered by health insurance. Coverage applies to not only the driver but also the vehicle occupants and also covers getting struck while a pedestrian. Personal injury protection coverage is not universally available and may carry a deductible

Collision coverage protection

Collision insurance will pay to fix damage to your Ninety-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 coverage protects against claims such as scraping a guard rail, rolling your car and hitting a parking meter. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are 8 years or older. Drivers also have the option to choose a higher deductible to get cheaper collision coverage.

Uninsured/Underinsured Motorist (UM/UIM)

Uninsured or Underinsured Motorist coverage gives you protection when other motorists either are underinsured or have no liability coverage at all. This coverage pays for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Due to the fact that many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is important protection for you and your family.

Liability coverage

Liability coverage will cover damages or injuries you inflict on a person or their property. Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You might see policy limits of 100/300/100 that translate to a $100,000 limit per person for injuries, 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 things such as pain and suffering, medical services, bail bonds, medical expenses and funeral expenses. How much coverage you buy is a decision to put some thought into, but buy higher limits if possible.

Be a smart shopper

In this article, we presented a lot of information how to lower your 1995 Oldsmobile Ninety-Eight insurance rates. The key thing to remember is the more providers you compare, the better likelihood of reducing your rate. Consumers could even find that the best prices are with the smaller companies.

Cheaper insurance can be bought from both online companies and with local insurance agents, and you should compare price quotes from both to have the best chance of lowering rates. Some companies do not offer the ability to get a quote online and many times these regional insurance providers only sell through independent insurance agents.

Insureds switch companies for a number of reasons such as policy cancellation, high prices, delays in paying claims or poor customer service. No matter why you want to switch, switching insurance coverage companies is pretty easy and you might even save some money in the process.

Much more information about insurance coverage can be found on the following sites: