View 1994 Oldsmobile Ninety-Eight Insurance Rates

Finding better insurance prices for an Oldsmobile Ninety-Eight could be a lot of work, but you can learn these tips to find lower rates.

There are more efficient ways to find car insurance online and we’ll show you the absolute fastest way to get price quotes for a Oldsmobile and get the lowest price from both online companies and local agents.

How much does insurance coverage cost?

Reducing your 1994 Oldsmobile Ninety-Eight insurance rates is not rocket science. The only requirement is to take the time comparing price quotes from different insurance companies. This can be done in several different ways.

1. The fastest and easiest way consumers can analyze rates would be an industry-wide quote request form like this one (opens in new window). This style of form prevents you from having to do a different quote for every prospective company. Taking the time to complete one form compares rates instantly. Recommended for those who want to invest the least amount of time.
2. A more difficult way to compare rate quotes requires a trip to the website for every company you want to comare and complete a new quote form. For instance, we’ll assume you want to get rates from Auto-Owners, Geico and Allstate. In order to get each rate, you would have to spend time on each company’s site and enter your policy data, which is why the first method is more popular. For a list of links to companies insuring cars in your area, click here.
3. The old school way to comparison shop rate quotes is driving to insurance agents’ offices. Quoting and buying insurance online eliminates the need for an insurance agent unless you have a complicated situation and need the professional guidance that only a licensed agent can provide. However, consumers can obtain prices from the web and still use a local agent.

Compare rates however you want, just do your best to enter equivalent coverage limits and deductibles for each price quote. If you have different liability limits you will not be able to determine which rate is truly the best.

Take advantage of these discounts

Companies offering auto insurance don’t necessarily list every available discount in a way that’s easy to find, so we researched a few of the more well known and the more hidden discounts you could be receiving when you buy insurance online.

• Safety Course Discount – Taking a safe driver course could cut 5% off your bill and easily recoup the cost of the course.
• Auto/Home Discount – If you can combine your homeowners and auto policy and insure them with the same company they may give you a discount of up to 20% and get you cheaper insurance.
• New Vehicle Savings – Putting insurance on a new car can cost up to 25% less since new vehicles have better safety ratings.
• Safety Restraint Discount – Drivers who always wear seat belts and also require passengers to wear their seat belts can save a little off the medical payments premium.
• Driving Data Discount – Policyholders that allow data collection to monitor driving patterns by using a telematics device in their vehicle like Allstate’s Drivewise could see a rate decrease as long as the data is positive.
• Discounts for Responsible Drivers – Safe drivers may receive a discount up to 45% for Ninety-Eight coverage than less cautious drivers.

As a sidenote, many deductions do not apply to the overall cost of the policy. The majority will only reduce the price of certain insurance coverages like comp or med pay. Despite the appearance that you would end up receiving a 100% discount, you aren’t that lucky. But any discount will help lower your insurance coverage premiums.

Popular insurance coverage companies and the discounts they provide are included below.

• State Farm offers discounts including good driver, Drive Safe & Save, accident-free, passive restraint, multiple policy, and good student.
• Progressive includes discounts for homeowner, continuous coverage, online quote discount, multi-vehicle, good student, and online signing.
• Travelers policyholders can earn discounts including IntelliDrive, home ownership, hybrid/electric vehicle, save driver, student away at school, and good student.
• American Family may offer discounts for air bags, defensive driver, Steer into Savings, TimeAway discount, good student, bundled insurance, and early bird.
• Liberty Mutual offers discounts for good student, safety features, hybrid vehicle, preferred payment discount, exclusive group savings, and teen driver discount.

Before you buy a policy, ask each insurance company what discounts are available to you. Some discounts might not apply in every state. If you would like to see a list of providers with discount insurance coverage rates, click here to view.

Smart buyers know how to find insurance at a discount

Smart consumers have a good feel for some of the elements that play a part in calculating the rates you pay for insurance. If you know what influences your rates, this helps enable you to make changes that will entitle you to big savings. Many factors are part of the calculation when quoting car insurance. Some of the criteria are obvious like an MVR report, but others are not quite as obvious such as your marital status or your commute time.

The itemized list below are some of the factors companies use to determine rates.

• Single drivers may get higher prices – Having a spouse actually saves money on your insurance bill. Having a significant other demonstrates that you tend to be more responsible and statistics show drivers who are married are more cautious.
• Lower prices with alarm systems – Selecting a car model with an alarm system can help lower your premiums. Advanced theft deterrents such as OnStar, LoJack tracking, and tamper alarms help track and prevent auto theft and help lower rates.
• Are you male or female? – Over the last 30 years, statistics show that men are more aggressive behind the wheel. This data doesn’t prove that men are worse drivers. Males and females tend to get into auto accidents in similar percentages, but males have costlier accidents. Men also tend to get cited for more serious violations like DUI and reckless driving. Male drivers age 16 to 19 are the most expensive to insure and thus pay the highest rates.
• Low coverage deductibles cost more – Physical damage protection, also called comprehensive and collision insurance, protects your Oldsmobile from damage. Some examples of claims that would be covered are a dented fender, vandalism, and windstorm damage. Comp and collision deductibles are the amount of money you are willing to pay if a covered claim is submitted. The more damage repair cost the insured is willing to pay, the less your company will charge you for insurance for Ninety-Eight coverage.
• Your location is a factor – Being located in smaller towns and rural areas of the country has it’s advantages when trying to find low car insurance rates. Less people living in that area means a lower chance of having an accident and lower theft and vandalism rates. People in densly populated areas regularly have more auto accidents and a longer drive to work. More time commuting means higher likelihood of an accident.

Special considerations

When buying adequate coverage, there isn’t really a cookie cutter policy. Coverage needs to be tailored to your specific needs.

Here are some questions about coverages that could help you determine if your situation might need an agent’s assistance.

• Is my cargo covered for damage or theft?
• What are the best liability limits?
• Does having multiple vehicles earn me a discount?
• Is my camper covered by my car insurance policy?
• Does coverage extend to my business vehicle?
• Do I have newly-aquired coverage?

If it’s difficult to answer those questions but one or more may apply to you, you may need to chat with a licensed agent. To find lower rates from a local agent, take a second and complete this form. It’s fast, free and can help protect your family.

Coverages available on your insurance policy

Understanding the coverages of your policy can be of help when determining the right coverages and proper limits and deductibles. Insurance terms can be difficult to understand and reading a policy is terribly boring.

Auto collision coverage

Collision coverage will pay to fix damage to your Ninety-Eight resulting from a collision with another car or object. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things such as colliding with a tree, scraping a guard rail, hitting a parking meter and damaging your car on a curb. Collision coverage makes up a good portion of your premium, so consider dropping it from older vehicles. It’s also possible to increase the deductible to save money on collision insurance.

Uninsured and underinsured coverage

Uninsured or Underinsured Motorist coverage provides protection when other motorists either have no liability insurance or not enough. It can pay for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Due to the fact that many 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 important protection for you and your family. Usually these coverages are similar to your liability insurance amounts.

Coverage for medical payments

Personal Injury Protection (PIP) and medical payments coverage pay for expenses such as prosthetic devices, doctor visits, X-ray expenses, rehabilitation expenses and hospital visits. They are used to fill the gap from your health insurance program or if there is no health insurance coverage. They cover you and your occupants and will also cover any family member struck as a pedestrian. Personal Injury Protection is only offered in select states but can be used in place of medical payments coverage

Comprehensive coverages

Comprehensive insurance pays for damage that is not covered by collision coverage. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims like rock chips in glass, hail damage and hitting a bird. The maximum amount you’ll receive from a claim is the ACV or actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Coverage for liability

Liability insurance can cover damages or injuries you inflict on other people or property. This insurance protects YOU from claims by other people. It does not cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see values of 50/100/50 that means you have a $50,000 limit per person for injuries, a total of $100,000 of bodily injury coverage per accident, and a total limit of $50,000 for damage to vehicles and property. Occasionally you may see a combined limit which provides one coverage limit with no separate limits for injury or property damage.

Liability can pay for things like legal defense fees, bail bonds, structural damage and repair bills for other people’s vehicles. How much liability coverage do you need? That is a personal decision, but consider buying as much as you can afford.

Have money to burn

When searching for low cost insurance quotes, it’s a bad idea to sacrifice coverage to reduce premiums. In many cases, someone dropped physical damage coverage only to find out that a couple dollars of savings turned into a financial nightmare. The ultimate goal is to purchase a proper amount of coverage at the lowest possible cost.

Affordable 1994 Oldsmobile Ninety-Eight insurance is definitely available online as well as from independent agents, and you need to comparison shop both to have the best rate selection. Some insurance companies do not offer online rate quotes and most of the time these smaller companies work with independent agencies.

Throughout this article, we presented some good ideas how to shop for 1994 Oldsmobile Ninety-Eight insurance online. The most important thing to understand is the more quotes you get, the better your chances of lowering your car insurance rates. You may be surprised to find that the lowest priced insurance comes from a smaller regional carrier.

For more information, link through to the resources below:

• Auto Insurance 101 (About.com)
• Understanding your Policy (NAIC.org)
• Coverage Information (Progressive Insurance)
• Information for Teen Drivers (Geico)
• Driving in Bad Weather (Insurance Information Insitute)