Compare 1996 Oldsmobile Eighty-Eight Insurance Quotes

Tired of not being able to afford to insure your Oldsmobile every month? You’re in the same situation as millions of other consumers. Multiple insurers compete for your business, and because of this it can be hard to compare car insurance companies to find the best rate

It’s a good habit to check auto insurance prices every six months because insurance rates fluctuate regularly. Just because you had the best rates on Eighty-Eight insurance a year ago you can probably find a lower rate today. So just ignore everything you know about auto insurance because you’re going to get a crash course in the fastest and easiest way to save money, get proper coverage and the best rates.

The quickest way to compare car insurance company rates is to know all the major auto insurance companies will pay a fee to provide you with a free rate quote. All you need to do is give them rating details like what you do for a living, an estimate of your credit level, how your vehicles are used, and if your license is active. Your details is automatically sent to multiple companies and they return cost estimate quickly.

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

Tailor your coverage to you

When it comes to buying proper insurance coverage for your personal vehicles, there really is no best way to insure your cars. Every insured’s situation is different so your insurance should reflect that For example, these questions might help in determining whether or not you would benefit from professional advice.

• What happens if I owe more than my 1996 Oldsmobile Eighty-Eight is worth?
• I have health insurance so do I need medical payments coverage?
• Do I have newly-aquired coverage?
• What is PIP insurance?
• Does my 1996 Oldsmobile Eighty-Eight need full coverage?
• What is covered by UM/UIM coverage?
• Are rental cars covered under my policy?
• Is my trailer covered?
• Why is insurance for a teen driver so high?

If it’s difficult to answer those questions but you know they apply to you, you might consider talking to an insurance agent. To find an agent in your area, complete this form or go to this page to view a list of companies. It’s fast, free and can provide invaluable advice.

Specifics of your insurance policy

Knowing the specifics of your policy can be of help when determining appropriate coverage at the best deductibles and correct limits. The coverage terms in a policy can be impossible to understand and nobody wants to actually read their policy. Shown next are typical coverages offered by insurance companies.

Comprehensive (Other than Collision)

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

Comprehensive coverage pays for claims like damage from getting keyed, damage from a tornado or hurricane and hail damage. The maximum amount you’ll receive from a claim is the cash value of the vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Collision insurance

This pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You have to pay a deductible then your collision coverage will kick in.

Collision coverage protects against claims such as damaging your car on a curb, crashing into a ditch, driving through your garage door and scraping a guard rail. Collision coverage makes up a good portion of your premium, so you might think about dropping it from lower value vehicles. Drivers also have the option to raise the deductible to get cheaper collision coverage.

Liability insurance

Liability insurance can cover damages or injuries you inflict on other people or property that is your fault. It protects you from claims by other people. Liability doesn’t cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show limits of 100/300/100 that translate to a limit of $100,000 per injured person, a per accident bodily injury limit of $300,000, and property damage coverage for $100,000.

Liability can pay for things such as attorney fees, bail bonds and repair bills for other people’s vehicles. The amount of liability coverage you purchase is up to you, but you should buy as large an amount as possible.

Medical expense insurance

Medical payments and Personal Injury Protection insurance reimburse you for bills for EMT expenses, dental work, surgery, doctor visits and funeral costs. They can be utilized in addition to your health insurance program or if you are not covered by health insurance. Coverage applies to all vehicle occupants as well as any family member struck as a pedestrian. Personal injury protection coverage is only offered in select states and may carry a deductible

Protection from uninsured/underinsured drivers

Uninsured or Underinsured Motorist coverage protects you and your vehicle when other motorists either have no liability insurance or not enough. Covered claims include hospital bills for your injuries and also any damage incurred to your Oldsmobile Eighty-Eight.

Due to the fact that many drivers have only the minimum liability required by law, their limits can quickly be used up. This is the reason having UM/UIM coverage is very important.