Cheap 1995 Oldsmobile Ninety-Eight Insurance Cost

Trying to find lower car insurance rates? Buyers have many options when searching for the lowest priced Oldsmobile Ninety-Eight insurance. You can either spend your time calling around to get rate comparisons or utilize the internet to get rate quotes. There are more efficient ways to shop for car insurance so we’re going to tell you the proper way to compare rates for a Oldsmobile and obtain the lowest possible price from both online companies and local agents.

Cheap insurance quotes with discounts

Companies that sell car insurance don’t necessarily list every available discount in an easy-to-find place, so the following is a list of some of the more common and the more hidden discounts you could be receiving when you buy car insurance online. If you don’t get every credit possible, you could be getting lower rates.

• College Student Discount – Children who are attending college and do not have access to a covered vehicle could qualify for this discount.
• Defensive Driver Discount – Taking time to complete a defensive driving course could earn you a small percentage discount and also improve your driving technique.
• Claim Free – Insureds who avoid accidents and claims get the best insurance rates as opposed to insureds who have frequent claims or accidents.
• Good Student Discount – Getting good grades can be rewarded with saving of up to 25%. Many companies even apply the discount to college students up to age 25.
• Paperwork-free – A few insurance companies will give a small break for signing up on their website.
• Anti-lock Brake System – Cars, trucks, and SUVs equipped with ABS or steering control are much safer to drive and therefore earn up to a 10% discount.
• Early Payment Discounts – If paying your policy premium upfront instead of paying each month you may have a lower total premium amount.
• First Accident Forgiveness – Not a discount per se, but companies like Allstate and Geico will let one accident slide before your rates go up with the catch being you have to be claim-free for a particular time prior to the accident.
• Senior Citizen Discount – Seniors could receive lower premium rates for Ninety-Eight insurance.

You can save money using discounts, but some credits don’t apply to the overall cost of the policy. The majority will only reduce the cost of specific coverages such as medical payments or collision. Despite the appearance that all those discounts means the company will pay you, it’s just not the way it works.

Large insurance companies and a summarized list of policyholder discounts are detailed below.

• Progressive may offer discounts for homeowner, multi-vehicle, multi-policy, good student, online signing, and online quote discount.
• The Hartford offers discounts for defensive driver, driver training, good student, anti-theft, air bag, and vehicle fuel type.
• Mercury Insurance has savings for good student, multi-car, type of vehicle, multi-policy, ease of repair, anti-theft, and good driver.
• Geico may have discounts that include daytime running lights, driver training, anti-lock brakes, membership and employees, and seat belt use.
• AAA offers discounts including good driver, AAA membership discount, good student, education and occupation, and pay-in-full.
• State Farm discounts include Steer Clear safe driver discount, driver’s education, multiple autos, passive restraint, and safe vehicle.

If you need lower rates, check with all the companies which discounts you qualify for. Savings may not apply to policies everywhere. To locate insurers with discount insurance rates, click here.

Why your insurance premiums might be higher

Lots of things are taken into consideration when pricing auto insurance. Some are obvious such as your driving record, although others are not as apparent such as whether you are married or your commute time.When buying auto insurance it’s important to understand some of the elements that play a part in calculating auto insurance rates. If you have some idea of what determines base rates, this allows you to make good choices that may reward you with lower rates.

• An active claims history can cost you more – Insurance companies generally give discounts to insureds that do not abuse their auto insurance. If you file claims often, you can pretty much guarantee increased rates or even have your policy non-renewed. Insurance coverage is intended for major claims that would cause financial hardship.
• Teenage vs. experienced drivers – More mature drivers have been proven to be more responsible, are lower risk to insure .Youthful drivers are known to get distracted easily when behind the wheel and because of this, their auto insurance rates are much higher.
• Qualify for multi-policy discounts – Lots of insurance companies afford lower prices to clients who buy several policies from them, otherwise known as a multi-policy discount. Even with this discount, you may still want to comparison shop to help guarantee you have the best rates.
• Safer occupants lowers auto insurance rates – Vehicles with high crash test scores get lower rates. Highly rated vehicles help reduce the chance of injuries in an accident and fewer serious injuries means less money paid by your insurance company and thus lower rates.
• Battle of the sexes – Over time, data shows women are more cautious behind the wheel. It does not mean males are worse at driving than females. Both genders cause auto accidents at about the same rate, but men get into accidents with more damage. They also have more aggressive citations like driving under the influence (DUI). Young men ages 16 to 20 generally have the highest accident percentage and are penalized with high auto insurance rates.
• Obey driving laws and save – Having a clean driving record impacts premiums far more than you think. Having just one moving violation could increase your next policy renewal by as much as twenty percent. Careful drivers pay lower auto insurance prices as compared to those with violations. Drivers who have dangerous tickets such as DUI or willful reckless driving may find that they have to to complete a SR-22 with their state in order to keep their license.
• Additional coverages that may be costing you – Insurance policies have a lot of optional add-on coverages that may not really be needed on your auto insurance policy. Insurance for things like coverage for rental cars, towing coverage, and term life insurance may be costing you every month. The coverages may be enticing at first, but now you might not need them so remove them and pocket the money.

Tailor your car insurance coverage to you

When it comes to buying the best car insurance coverage, there is no best way to insure your cars. Every insured’s situation is different.

Here are some questions about coverages that may help highlight if your insurance needs would benefit from professional advice.

• Am I insured when driving a different vehicle?
• When should I not file a claim?
• Does my 1995 Oldsmobile Ninety-Eight qualify for pleasure use?
• What are the financial responsibility laws in my state?
• How much liability do I need to cover my assets?
• Should I sign the liability waiver when renting a car?
• How much underlying liability do I need for an umbrella policy?

If it’s difficult to answer those questions, then you may want to think about talking to a licensed insurance agent. To find lower rates from a local agent, simply complete this short form. It’s fast, free and may give you better protection.

Car insurance coverages for a 1995 Oldsmobile Ninety-Eight

Having a good grasp of insurance can be of help when determining which coverages you need at the best deductibles and correct limits. Insurance terms can be confusing and even agents have difficulty translating policy wording.

Uninsured or underinsured coverage – This coverage provides protection when other motorists either have no liability insurance or not enough. Covered claims include medical payments for you and your occupants as well as damage to your Oldsmobile Ninety-Eight.

Due to the fact that many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is a good idea.

Medical expense coverage – Medical payments and Personal Injury Protection insurance reimburse you for immediate expenses like dental work, EMT expenses, surgery and doctor visits. They are used in conjunction with a health insurance policy or if you are not covered by health insurance. Coverage applies to you and your occupants as well as any family member struck as a pedestrian. Personal Injury Protection is not universally available but can be used in place of medical payments coverage

Comprehensive protection – This coverage pays to fix your vehicle from damage from a wide range of events other than collision. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims like falling objects, vandalism, fire damage and rock chips in glass. The highest amount you’ll receive from a claim is the actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Liability auto insurance – Liability insurance can cover damage or injury you incur to other’s property or people by causing an accident. It protects YOU from legal claims by others. Liability doesn’t cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You commonly see liability limits of 100/300/100 which means $100,000 in coverage for each person’s injuries, a limit of $300,000 in injury protection per accident, and a limit of $100,000 paid for damaged property.

Liability coverage protects against things such as emergency aid, pain and suffering and attorney fees. How much liability should you purchase? That is up to you, but you should buy as large an amount as possible.

Collision – This will pay to fix damage to your Ninety-Eight from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision can pay for claims like crashing into a building, driving through your garage door, hitting a mailbox and sustaining damage from a pot hole. Paying for collision coverage can be pricey, so consider dropping it from lower value vehicles. Drivers also have the option to bump up the deductible to save money on collision insurance.

Do the work, save more money

While you’re price shopping online, make sure you don’t reduce needed coverages to save money. There are a lot of situations where someone dropped physical damage coverage to discover at claim time that saving that couple of dollars actually costed them tens of thousands. Your strategy should be to buy enough coverage at an affordable rate, but do not skimp to save money.

In this article, we covered many ideas to get a better price on 1995 Oldsmobile Ninety-Eight insurance. The key concept to understand is the more companies you get rates for, the better chance you’ll have of finding affordable car insurance. You may be surprised to find that the lowest priced car insurance comes from a lesser-known regional company.

Discount 1995 Oldsmobile Ninety-Eight insurance is possible both online and also from your neighborhood agents, and you should be comparing both to get a complete price analysis. There are still a few companies who do not offer rates over the internet and these small insurance companies prefer to sell through independent insurance agents.

Additional resources

• Comprehensive Coverage (Liberty Mutual)
• Side Impact Crash Tests (iihs.org)
• Five Steps to Filing an Auto Insurance Claim (Insurance Information Insitute)
• Things to Know Before you Cancel Insurance (Allstate)