Cheap 1990 Oldsmobile Ninety-Eight Insurance Quotes

Consumers have a choice when looking for low-cost Oldsmobile Ninety-Eight insurance. You can either spend your time contacting agents to get rate comparisons or use the internet to find the lowest rates.

There are both good and bad ways to shop for auto insurance so you’re going to learn the quickest way to quote coverages for your Oldsmobile and find the lowest possible price either online or from local insurance agents.

It’s important to get comparison quotes quite often because auto insurance prices change regularly. If you had the lowest price on Ninety-Eight insurance a couple years back a different company probably has better rates today. You can search a lot of auto insurance online, but I’m going to show you the best ways to slash your auto insurance rates.

How to get low cost car insurance

Most of the larger companies make it easy to get insurance quotes online. Getting online rates is easy for anyone as all you need to do is type in the coverages you want into a form. Behind the scenes, their system automatically retrieves your driving record and credit report and returns a price quote based on these and other factors.

This makes comparing rates easy, but the work required to visit a lot of sites and enter the same data into a form can be a bit repetitive. Unfortunately, it is important to get many rate quotes if you want to get the best price possible.

The preferred way to compare car insurance pricing uses one simple form that analyzes rates from many companies. It’s a real time-saver, requires much less work on your part, and makes price shopping online much more efficient. After your information is entered, it is quoted with multiple companies and you can pick any of the quotes returned.

If the quotes result in lower rates, you can click and sign and purchase coverage. The entire process just takes a couple of minutes and you will know how your current rates stack up.

To save time and find out how much you’re overpaying now, click here and submit the form. If you currently have coverage, we recommend you duplicate coverages and limits identical to your current policy. This way, you are getting a price comparison for similar insurance coverage.

Double check you’re getting these discounts

Car insurance companies do not list every discount they offer very clearly, so we break down a few of the more well known and also the more inconspicuous discounts you could be receiving when you buy car insurance online.

• Driver Education Discount – Require your teen driver to enroll and complete driver’s education if it’s offered in school.
• Passive Restraint Discount – Vehicles equipped with air bags and/or automatic seat belt systems could see savings of up to 25% or more.
• No Claim Discounts – Drivers who don’t have accidents are rewarded with significantly better rates on car insurance quote as compared to policyholders that have many claims.
• Distant Student – Youth drivers who are enrolled in a college that is more than 100 miles from home and do not have a car may qualify for this discount.
• Multi-line Discount – Select car insurance companies reward you with a small discount if you purchase a life insurance policy as well.
• Safety Restraint Discount – Drivers who require all vehicle occupants to use their safety belts can save 10% or more on the premium charged for medical payments and/or PIP.

One thing to note about discounts is that most discount credits are not given to the entire cost. Some only apply to specific coverage prices like liability and collision coverage. So even though you would think all those discounts means the company will pay you, you’re out of luck.

If you would like to see a list of insurance companies who offer discounts, click this link.

Special considerations

When buying the right insurance coverage for your vehicles, there really is no one size fits all plan. Everyone’s situation is unique.

These are some specific questions may help you determine if you could use an agent’s help.

• When should I buy a commercial auto policy?
• How do I file an SR-22 for a DUI in my state?
• I don’t drive much so do I pay less?
• Is a blown tire covered by insurance?
• Can I still get insurance after a DUI?
• How high should deductibles be on a 1990 Oldsmobile Ninety-Eight?
• When would I need rental car insurance?

If you don’t know the answers to these questions, you may need to chat with a licensed insurance agent. To find lower rates from a local agent, simply complete this short form. It is quick, free and can help protect your family.

Why you might pay higher rates

An important part of buying insurance is that you know some of the factors that play a part in calculating the level of your policy premiums. When you know what positively or negatively determines premiums, this empowers consumers to make smart changes that can earn you big savings. Lots of factors are part of the equation when pricing auto insurance. Some factors are common sense like your driving record, although some other factors are not as apparent such as your credit history or how financially stable you are.

Listed below are a few of the things used by insurance companies to determine your prices.

• Liability preserves assets – Liability coverage provides coverage when you are responsible for personal injury or accident damage. This coverage provides legal defense which can cost a lot. Liability insurance is quite affordable compared to comp and collision, so drivers should make sure they buy enough to cover all assets.
• Save money by having multiple policies – Some companies provide lower prices to customers who carry more than one policy such as combining an auto and homeowners policy. The discount can add up to 10 percent or more. Even if you qualify for this discount already, consumers should still get quotes from other companies to help ensure you have the lowest rates.
• When should you file a claims? – Car insurance companies provide most affordable rates to policyholders who do not file claims often. If you tend to file frequent claims, you can look forward to either higher rates or even cancellation. Your car insurance is designed for the bigger claims that can’t be paid out-of-pocket.
• Vocation can influence rates – Occupations such as real estate brokers, social workers and financial analysts are shown to have higher rates than average attributed to high stress and incredibly demanding work hours. On the flip side, occupations such as farmers, historians and performers pay the least on Ninety-Eight insurance.
• Being married is a bonus – Having a spouse helps lower the price compared to being single. Having a significant other means you’re more mature and insurance companies like that married drivers get in fewer accidents.

Don’t believe everything you hear

Consumers can’t avoid all the ads that claim the lowest rates from companies such as Progressive, Allstate and Geico. All the companies convey the message about saving some big amount if you just switch your policy.

Is it even possible that every company can cost less than your current company? It’s all in the numbers.

All companies quote their best rates for the type of driver that makes them money. One example of a desirable risk might be between the ages of 40 and 55, carries full coverage, and the vehicle is rated for pleasure use. A customer getting a price quote who matches those parameters may get the lowest premium rates and therefore will save a lot if they switch.

Potential customers who don’t qualify for these criteria will be charged a higher rate which results in the customer buying from someone else. If you pay attention, the ads say “drivers who switch” not “everyone who quotes” save that kind of money. That’s the way insurance companies can advertise the way they do.

This really drives home the point why you need to get car insurance quotes from several different companies. It’s just not possible to know with any certainty which company will have the lowest rates.

Auto insurance coverage basics

Knowing the specifics of auto insurance helps when choosing which coverages you need for your vehicles. The coverage terms in a policy can be difficult to understand and even agents have difficulty translating policy wording.

Collision coverages – This coverage covers damage to your Ninety-Eight from colliding with another vehicle or an object, but not an animal. A deductible applies and then insurance will cover the remainder.

Collision insurance covers things like crashing into a ditch, colliding with a tree and scraping a guard rail. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are older. It’s also possible to choose a higher deductible to bring the cost down.

UM/UIM (Uninsured/Underinsured Motorist) coverage – Uninsured or Underinsured Motorist coverage gives you protection from other motorists when they do not carry enough liability coverage. Covered losses include injuries sustained by your vehicle’s occupants and damage to your 1990 Oldsmobile Ninety-Eight.

Due to the fact that many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is a good idea. Normally your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Auto liability – This will cover damage that occurs to other’s property or people by causing an accident. It protects you against other people’s claims, and doesn’t cover damage to your own property or vehicle.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have liability limits of 100/300/100 which means a $100,000 limit per person for injuries, a per accident bodily injury limit of $300,000, and a limit of $100,000 paid for damaged property. Occasionally you may see a combined limit that pays claims from the same limit without having the split limit caps.

Liability coverage protects against claims like legal defense fees, repair bills for other people’s vehicles and repair costs for stationary objects. How much liability should you purchase? That is up to you, but you should buy as high a limit as you can afford.

Comprehensive auto coverage – This will pay to fix damage from a wide range of events other than collision. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims such as vandalism, hitting a bird, a broken windshield, damage from getting keyed and fire damage. The maximum payout you can receive from a comprehensive claim is the actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Medical payments and PIP coverage – Med pay and PIP coverage reimburse you for bills such as hospital visits, funeral costs, prosthetic devices and rehabilitation expenses. They can be used to cover expenses not covered by your health insurance plan or if you do not have health coverage. It covers not only the driver but also the vehicle occupants in addition to getting struck while a pedestrian. PIP is only offered in select states but it provides additional coverages not offered by medical payments coverage

More quotes mean more savings

When buying insurance coverage, never skimp on critical coverages to save a buck or two. There have been many situations where consumers will sacrifice full coverage and found out when filing a claim that the few dollars in savings costed them thousands. Your objective should be to purchase plenty of coverage at an affordable rate while still protecting your assets.

People who switch companies do it for a number of reasons such as questionable increases in premium, denial of a claim, extreme rates for teen drivers or high prices. Whatever your reason, choosing a new company is actually quite simple.

You just learned many ideas to compare 1990 Oldsmobile Ninety-Eight insurance rates online. The key concept to understand is the more rate comparisons you have, the better chance you’ll have of finding low cost car insurance. Drivers may discover the lowest priced car insurance comes from a small local company.

For more information, feel free to visit the following helpful articles:

• Protect Yourself Against Auto Theft (Insurance Information Insitute)
• Frontal Crash Tests (iihs.org)
• Determing Auto Insurance Rates (Geico)
• Teen Driving and Texting (State Farm)