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Oldsmobile Ninety-Eight Insurance Cost

Comparing auto insurance by quoting online is easy and there is a good chance you will probably save money. The key is to take the time to get rates from all companies in order to accurately compare the lowest rate quotes.

Beginners to shopping for insurance may think purchasing low-cost Ninety-Eight insurance is hard. Lowering your Ninety-Eight insurance rates is a fairly straight forward process. You just need to take a few minutes comparing rates from different insurance companies. This can be done by getting a quick quote here.

Insurance rates on a Oldsmobile Ninety-Eight can vary widely based upon several criteria. Some of these factors include:

  • Your driving record
  • Credit rating
  • Men typically pay more than women
  • The deductible you choose
  • Safety rating of your Ninety-Eight
  • No claims lowers premiums
  • Maintaining coverage lowers rates
  • Whether you own your home

One last important factor that can impact the rate you pay on your Oldsmobile is the year of manufacture. Models that are new have a higher value so repair costs are higher which can inflate annual premiums. But more recent Oldsmobile vehicles may have options including lane departure warning system, anti-lock brakes, and adaptive headlights which can help offset higher rates.

To get more specific information about how rates are influenced for your specific model year, select the year of your vehicle below.

Liability coverages

Liability insurance will cover damage that occurs to people or other property. Liability coverage pays for things like legal defense fees, bail bonds, and repair bills for other people's vehicles. Liability insurance is relatively cheap so purchase higher limits if possible.

Collision insurance

This coverage will pay to fix damage to your Oldsmobile resulting from a collision with another car or object. You will need to pay your deductible and then insurance will cover the remainder. Collision coverage for your Ninety-Eight can be pricey, so consider dropping it from vehicles that are 8 years or older. Drivers also have the option to choose a higher deductible to save money on collision insurance.

Comprehensive coverages

This coverage covers damage OTHER than collision with another vehicle or object. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage. The maximum payout you'll receive from a claim is the actual cash value, so if your deductible is as high as the vehicle's value it's not worth carrying full coverage.

Uninsured/Underinsured Motorist (UM/UIM)

Your UM/UIM coverage provides protection when the "other guys" are uninsured or don't have enough coverage. Because many people carry very low liability coverage limits, it doesn't take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is a good idea.

Coverage for medical payments

Personal Injury Protection (PIP) and medical payments coverage provide coverage for short-term medical expenses for things like nursing services, prosthetic devices, and dental work. They can be used in conjunction with a health insurance policy or if there is no health insurance coverage. PIP is only offered in select states and may carry a deductible.

How Much are Oldsmobile Ninety-Eight Insurance Rates?