Lower Your 1992 Oldsmobile Ninety-Eight Insurance Quotes

Shoppers have lots of choices when shopping for the best price on Oldsmobile Ninety-Eight insurance. You can either waste hours driving around to get rate comparisons or save time using the internet to compare rates.

There are more efficient ways to compare insurance coverage rates and we’ll show you the absolute fastest way to price shop coverage on a Oldsmobile and locate the cheapest rates from both online companies and local agents.

Compare auto insurance rates

There are a lot of ways to shop for auto insurance, but one way is more efficient than others. You could waste time discussing policy coverages with insurance agencies in your area, or you could use online quoting for quick rates.

Many popular insurance companies participate in an industry program that enables customers to send in one quote, and each participating company provides a quote based on the submitted data. This system prevents you from having to do quote forms to each company.

To get comparison pricing now click here to open in new window.

The only drawback to using this type of form is buyers cannot specifically choose which insurance companies to get pricing from. So if you prefer to choose individual companies to compare prices, we have assembled a list of the cheapest auto insurance companies in your area. Click here for list of insurance companies.

Whichever way you choose to compare rates, do your best to enter equivalent coverages and limits on every quote. If you enter differing limits it will be impossible to determine which rate is truly the best.

Do you qualify for discount auto insurance?

Companies that sell car insurance don’t always list the complete list of policy discounts very well, so the following is a list of both well-publicized and also the lesser-known ways to save on auto insurance.

  • Low Miles Discount – Driving less may enable drivers to earn cheaper prices.
  • Early Signing – A few companies give discounts for switching companies prior to the expiration date on your current policy. This discount can save up to 10%.
  • Air Bags and Passive Restraints – Vehicles equipped with air bags or motorized seat belts can receive discounts as much as 30%.
  • Student Discounts – Getting good grades can get you a discount of up to 25%. This discount can apply up until you turn 25.
  • Auto/Life Discount – If the company offers life insurance, you could get a break if you buy a life policy as well.
  • Full Payment Discount – If you pay your entire premium ahead of time rather than spreading payments over time you may have a lower total premium amount.
  • Theft Deterent Discount – Vehicles with anti-theft systems are stolen with less frequency and qualify for as much as a 10% discount.
  • Anti-lock Brakes – Cars and trucks equipped with ABS or steering control can avoid accidents so companies give up to a 10% discount.

We need to note that some of the credits will not apply the the whole policy. The majority will only reduce individual premiums such as medical payments or collision. Even though the math looks like all those discounts means the company will pay you, you aren’t that lucky.

To locate auto insurance companies with the best discounts, click here to view.

What insurance coverages do I need?

When it comes to choosing proper insurance coverage, there is no best way to insure your cars. Everyone’s situation is unique.

Here are some questions about coverages that can help discover whether or not you may require specific advice.

  • Do I get a pro-rated refund if I cancel my policy early?
  • I have good health insurance, so how much medical payments coverage do I need?
  • Does my insurance cover damage caused when ticketed for reckless driving?
  • Can I afford to buy a different vehicle if my 1992 Oldsmobile Ninety-Eight is totaled?
  • How high should my medical payments coverage be?
  • How much underlying liability do I need for an umbrella policy?
  • What can I do if my company denied a claim?
  • Should I buy full coverage?

If you’re not sure about those questions but you know they apply to you, you might consider talking to a licensed insurance agent. To find an agent in your area, complete this form. It’s fast, doesn’t cost anything and may give you better protection.

Get lower-cost insurance premiums by understanding these factors

It’s important that you understand some of the elements that play a part in calculating your policy premiums. If you understand what controls the rates you pay, this empowers consumers to make smart changes that may result in lower premium levels.

  • Pay less after the wedding – Walking down the aisle helps lower the price when shopping for insurance. Having a spouse demonstrates that you tend to be more mature than a single person and it’s statistically proven that married drivers tend to file fewer claims.
  • Credit rating impacts premium costs – Having a good credit score is a large factor in determining what you pay for insurance. Insureds with very high credit ratings tend to be better risks to insure than drivers who have bad credit. If your credit is low, you could pay less to insure your 1992 Oldsmobile Ninety-Eight by repairing your credit.
  • Infrequent drivers can save – Driving more miles every year the higher your rates will be. Many insurance companies calculate rates based upon how the vehicle is primarily used. Cars that do not get driven very much receive lower rates than vehicles that have high annual mileage. An incorrectly rated Ninety-Eight is just wasting money. Verify your policy correctly shows the proper vehicle usage.
  • Never go without insurance – Driving any period of time without insurance is not a good idea and as a result your rates will increase for letting your coverage lapse. Not only will you pay more, the inability to provide proof of insurance can result in a steep fine or even jail time.

Why you might not save $386 a year

Drivers can’t ignore all the ads that promise big savings by Allstate and Progressive. They all seem to seem to make the promise of big savings if you just switch your policy.

How is it possible that every company can give you a better price? Just pay attention to how they say it.

Companies are able to cherry pick for the type of driver they prefer to insure. For instance, this type of insured should be between 25 and 40, has no claims, and has great credit. A customer getting a price quote who fits that profile gets the lowest premium rates and therefore will save some money.

Potential customers who do not match the “perfect” profile will probably have to pay a more expensive rate which results in the driver buying from a lower-cost company. The ad wording is “drivers who switch” not “everybody who quotes” save the amount stated. That’s why insurance companies can make claims like that.

This really emphasizes why drivers should do a quote comparison often. It’s not possible to predict which insurance company will provide the lowest rates.

Parts of your insurance policy

Knowing the specifics of insurance can be of help when determining the best coverages at the best deductibles and correct limits. Insurance terms can be confusing and even agents have difficulty translating policy wording.

Coverage for medical expenses – Medical payments and Personal Injury Protection insurance reimburse you for immediate expenses such as nursing services, dental work, X-ray expenses, funeral costs and rehabilitation expenses. They can be utilized in addition to your health insurance plan or if there is no health insurance coverage. They cover not only the driver but also the vehicle occupants and also covers if you are hit as a while walking down the street. PIP coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Comprehensive insurance – Comprehensive insurance coverage will pay to fix damage from a wide range of events other than collision. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for things like damage from a tornado or hurricane, fire damage, hitting a bird and rock chips in glass. The maximum amount your insurance company will pay is the cash value of the vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Collision coverages – This will pay to fix damage to your Ninety-Eight resulting from a collision with another car or object. A deductible applies and then insurance will cover the remainder.

Collision insurance covers things like hitting a mailbox, crashing into a ditch, backing into a parked car, sideswiping another vehicle and crashing into a building. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are older. It’s also possible to increase the deductible in order to get cheaper collision rates.

Coverage for uninsured or underinsured drivers – This coverage protects you and your vehicle when other motorists do not carry enough liability coverage. It can pay for injuries sustained by your vehicle’s occupants and damage to your Oldsmobile Ninety-Eight.

Since a lot of drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is a good idea. Usually these limits are identical to your policy’s liability coverage.

Coverage for liability – Liability coverage can cover damage that occurs to people or other property by causing an accident. This insurance protects YOU against claims from other people. Liability doesn’t cover your injuries or vehicle damage.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see values of 100/300/100 which stand for $100,000 bodily injury coverage, a limit of $300,000 in injury protection per accident, and a limit of $100,000 paid for damaged property. Some companies may use a combined single limit or CSL which provides one coverage limit and claims can be made without the split limit restrictions.

Liability coverage pays for claims such as court costs, structural damage, medical expenses, repair bills for other people’s vehicles and bail bonds. The amount of liability coverage you purchase is up to you, but it’s cheap coverage so purchase as large an amount as possible.

Saving money makes a lot of cents

Cheaper 1992 Oldsmobile Ninety-Eight insurance can be purchased online as well as from insurance agents, so get free insurance coverage quotes from both of them so you have a total pricing picture. Some insurance providers do not provide rates over the internet and most of the time these regional carriers provide coverage only through independent insurance agencies.

You just read many ways to get a better price on 1992 Oldsmobile Ninety-Eight insurance. The key concept to understand is the more providers you compare, the better your chances of lowering your premium rates. Consumers may even find the biggest savings come from some of the lesser-known companies.

Drivers who switch companies do it for any number of reasons including unfair underwriting practices, high prices, delays in responding to claim requests and even policy cancellation. No matter why you want to switch, choosing a new insurance company is not as hard as you think.

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Comments About 1992 Oldsmobile Ninety-Eight Insurance

  1. Creola Mcfadden

    Hope my rates come down. From a town just southwest of Grand Forks, North Dakota. I got free prices from Auto-Owners, Farmers, and Sentry for my 1992 Oldsmobile Ninety-Eight and saved just over $70 a year.

  2. Patrica Ball

    $100 to anyone who understands their policy.

  3. Randee Richmond

    I found pretty cheap rate quotes for a 1992 Oldsmobile Ninety-Eight in Columbus, OH. Ended up at roughly $80 every six months with Amica. Was with Allstate. Even increased coverage a bit. I’m thinking about dropping full coverage though.

  4. Adrian Hogan

    Hope my car insurance gets cheaper. Live in the southern part of North Charleston, SC. Quoted quotes from Allstate, AIG Insurance, and some I forget for my Oldsmobile and saved just over $90 a year. Insured with Liberty Mutual before. I’m a pretty low risk driver.

  5. Tracey Holden

    Great info, thanks for posting. I live on the south side of Dallas, TX. Checked online prices for a 1992 Oldsmobile Ninety-Eight. Ended up at about $100 savings annually. Went with Allstate. I got a quote from their website.

  6. Priscilla Lara

    I found pretty cheap rate quotes for a 1992 Oldsmobile Ninety-Eight in Shreveport, Louisiana. Ended up at darn near $70 every six months with AIG Insurance.

  7. Gracia Pope

    Any State Farm or Farmers customers near Rutland, Vermont?

  8. Bernadette Landry

    Progressive and Allstate were both pretty cheap in Fort Smith, AR.

  9. Albertine Cannon

    Proud to be from Las Vegas, NV. I compared lots of rates. Saved right around $20 a month. Allstate was the best choice for me.

  10. Lyn Pennington

    I’m from Tacoma, WA and for me Allstate had the lowest quote.

  11. Quinton Porter

    I compared a lot of rate quotes for a 1992 Oldsmobile Ninety-Eight in Philadelphia, PA. Ended up at about $100 every six months with AAA. Insured with Nationwide before. Teenage drivers are expensive! Only insure liability on my Ninety-Eight.

  12. Paris Orr

    State Farm was cheapest for my 1992 Oldsmobile Ninety-Eight in Jersey City, NJ.