Save on 1991 Oldsmobile Ninety-Eight Insurance Quotes

Want better auto insurance rates for your Oldsmobile Ninety-Eight? Searching for discount auto insurance on the web can appear to be rather difficult for drivers that are relatively new to comparing rates and buying auto insurance on the internet. With so many agents and online companies, how are drivers expected to possibly compare each option to find the cheapest price possible?

It’s a great practice to take a look at other company’s rates as often as possible since insurance prices are usually higher with each renewal. Despite the fact that you may have had the lowest rates for Ninety-Eight insurance a few years ago you may be paying too much now. Ignore everything you know about auto insurance because you’re about to learn the fastest way to save money, get proper deductibles and limits, all at the lowest rate.

Buying affordable car insurance is quite easy. Just about every vehicle owner who shops for car insurance stands a good chance to be able to cut their insurance bill. Although consumers do need to learn how companies market insurance on the web.

The most recommended method to compare rate quotes takes advantage of the fact most larger insurance companies provide online access to provide you with free rate quotes. To begin a comparison, all you need to do is provide details including if you have a valid license, if you’re married, deductibles desired, and if you require a SR-22. The rating information gets sent immediately to insurance carriers in your area and they return cost estimate instantly to find the best rate.

To compare multiple company rates now, click here and enter your zip code.

Switch companies and save? Really?

Popular car insurance providers such as State Farm and Allstate consistently run ads on TV and radio. They all seem to convey the message of big savings if you switch your coverage. How does every car insurance company offer drivers better rates? Here is how they do it.

Insurance providers have strict underwriting profiles for the type of insured that earns them the highest profit. An example of a desirable risk might have to be over age 30, carries full coverage, and drives less than 10,000 miles a year. A driver who fits those characteristics will get a cheap rate quote and have a good chance to save money with a new company.

People who fall outside those standards will be charged a higher rate and ends up with the customer not buying. Company advertisements say “customers that switch” not “everybody who quotes” save that much money. That’s why insurance companies can confidently make the claims of big savings.

This emphasizes why you absolutely need to compare quotes as often as possible. It’s just too difficult to predict the company that will have the best prices.

Affordable insurance coverage rates with discounts

The cost of insuring your cars can be expensive, but there could be significant discounts to reduce the price significantly. Some trigger automatically when you complete an application, but some discounts are required to be asked about before you will receive the discount.

• Pay Now and Pay Less – If you can afford to pay the entire bill as opposed to paying monthly you can avoid monthly service charges.
• Multiple Policy Discount – If you have multiple policies with one company you could get a discount of over 10 percent off each policy depending on the company.
• New Car Discount – Adding a new car to your policy can get you a discount since newer vehicles have better safety ratings.
• Discounts for Cautious Drivers – Safe drivers may save up to 50% more for Ninety-Eight insurance compared to accident prone drivers.
• Government Employee Discount – Having worked for a branch of the government could cut as much as 10% off for Ninety-Eight insurance with select insurance companies.
• Driver Education Discount – Require your teen driver to enroll in driver’s education if it’s offered in school.
• Discount for Life Insurance – Larger insurance companies have better rates if you take out some life insurance in addition to your auto policy.
• First Accident Forgiveness – This isn’t a discount exactly, but companies like Geico, State Farm, and Progressive will let one accident slide without the usual rate increase if you are claim-free for a set time period.

Discounts lower rates, but some credits don’t apply to the overall cost of the policy. Most only apply to the cost of specific coverages such as comp or med pay. Despite the fact that it seems like all the discounts add up to a free policy, companies wouldn’t make money that way.

Some of the larger companies that possibly offer many of the previously listed discounts include:

• Geico
• MetLife
• State Farm
• Progressive
• Mercury Insurance
• 21st Century
• Allstate

If you want cheap auto insurance quotes, ask each company or agent which discounts can lower your rates. Some discounts listed above might not be offered on policies in your area.

Tailor your insurance coverage coverage to you

When choosing adequate coverage for your personal vehicles, there really is no single plan that fits everyone. Coverage needs to be tailored to your specific needs.

For example, these questions could help you determine if you might need an agent’s assistance.

• Who is covered by my policy?
• When should I buy a commercial auto policy?
• How high should my medical payments coverage be?
• When can my company non-renew my policy?
• Am I covered when driving in Canada or Mexico?
• How can I get high-risk coverage after a DUI?
• Is my babysitter covered when using my vehicle?
• Can my teen drive my company car?
• Am I covered if I break a side mirror?
• Is a fancy paint job covered?

If you can’t answer these questions but you think they might apply to your situation then you might want to talk to an agent. If you want to speak to an agent in your area, complete this form.

Coverages available on your car insurance policy

Having a good grasp of car insurance can help you determine appropriate coverage for your vehicles. Policy terminology can be ambiguous and even agents have difficulty translating policy wording.

Collision coverage

This coverage will pay to fix 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 can pay for claims such as sideswiping another vehicle, scraping a guard rail, crashing into a ditch, sustaining damage from a pot hole and backing into a parked car. This coverage can be expensive, so consider dropping it from vehicles that are older. Drivers also have the option to bump up the deductible to bring the cost down.

Protection from uninsured/underinsured drivers

This protects you and your vehicle’s occupants from other drivers when they do not carry enough liability coverage. Covered losses include hospital bills for your injuries as well as damage to your Oldsmobile Ninety-Eight.

Since a lot of drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Most of the time your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Comprehensive (Other than Collision)

Comprehensive insurance pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things such as a tree branch falling on your vehicle, hitting a bird, damage from flooding, fire damage and theft. The most a car insurance company will pay at claim time is the market value of your vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Medical expense insurance

Coverage for medical payments and/or PIP provide coverage for immediate expenses for things like prosthetic devices, doctor visits, chiropractic care, X-ray expenses and rehabilitation expenses. They are used to cover expenses not covered by your health insurance policy or if you do not have health coverage. Coverage applies to you and your occupants and also covers any family member struck as a pedestrian. PIP is not available in all states but it provides additional coverages not offered by medical payments coverage

Liability car insurance

This coverage provides protection from damage or injury you incur to a person or their property in an accident. It protects YOU against claims from other people. Liability doesn’t cover your own vehicle damage or injuries.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show liability limits of 50/100/50 which means $50,000 in coverage for each person’s injuries, a limit of $100,000 in injury protection per accident, and property damage coverage for $50,000. Occasionally you may see one number which is a combined single limit which combines the three limits into one amount with no separate limits for injury or property damage.

Liability insurance covers claims like attorney fees, bail bonds, medical expenses and court costs. How much coverage you buy is up to you, but buy as high a limit as you can afford.

One last thing

We covered many ways to lower your 1991 Oldsmobile Ninety-Eight insurance prices. The most important thing to understand is the more rate quotes you have, the more likely it is that you will get a better rate. Consumers may even find the lowest prices are with the least-expected company.

Consumers change insurance companies for a variety of reasons including policy cancellation, lack of trust in their agent, high prices and denial of a claim. It doesn’t matter why you want to switch choosing a new company is pretty easy and you might even save some money in the process.

Some insurance companies may not have online price quotes smaller providers work with independent agencies. Cheap 1991 Oldsmobile Ninety-Eight insurance is definitely available from both online companies as well as from insurance agents, so compare prices from both in order to have the best chance of saving money.

More information can be found below:

• Steps to Take After an Auto Accident (Insurance Information Insitute)
• Liability Insurance Coverage (Nationwide)
• Protect Yourself Against Auto Theft (Insurance Information Insitute)
• Rental Car Insurance Tips (Insurance Information Insitute)
• Safety Belts FAQ (iihs.org)