1996 Oldsmobile Eighty-Eight Insurance Rates – 10 Discounts for Best Quotes

Trying to find the cheapest insurance coverage rates? Buyers have a choice when searching for affordable Oldsmobile Eighty-Eight insurance. They can either spend hours struggling with agents trying to get quotes or use the internet to make rate comparisons.

There is a right way and a wrong way to shop for insurance coverage so we’re going to tell you the best way to price shop coverage for a new or used Oldsmobile and find the lowest price.

It’s a good idea to quote other rates quite often since insurance prices tend to go up over time. Despite the fact that you may have had the best price for Eighty-Eight insurance on your last policy you will most likely find a better rate quote today. Block out anything you think you know about insurance coverage because you’re about to find out how to use online quotes to find better coverage at a better price.

The purpose of this article is to familiarize you with the most effective way to quote insurance and some tips to save money. If you have car insurance now, you should be able to cut costs considerably using these techniques. Drivers just need to understand the best way to compare price quotes online.

Car insurance policy discounts you can’t miss

Car insurance companies do not advertise all possible discounts in an easy-to-find place, so the following is a list of both well-publicized and also the more inconspicuous credits available to bring down your rates.

• Bundle and Save – If you combine your homeowners and auto policies with the same insurance company you could earn a discount of 10% to 20% off each policy.
• Save with More Vehicles Insured – Buying a policy with multiple cars with the same car insurance company can reduce rates for all insured vehicles.
• Military Rewards – Being on active deployment in the military could qualify you for better rates.
• Passive Restraint Discount – Vehicles with factory air bags or automatic seat belts may get savings up to 30%.
• Distant College Student Discount – Any of your kids who live away from home to go to college without a vehicle on campus can receive lower rates.
• Discount for New Cars – Adding a new car to your policy can save you some money since newer vehicles are generally safer.
• Anti-lock Brakes – Cars, trucks, and SUVs equipped with ABS or steering control prevent accidents and therefore earn up to a 10% discount.
• Multi-line Discount – Insurance companies who offer life insurance give a discounted rate on car insurance if you buy a life policy as well.
• Pay Now and Pay Less – If you pay your entire premium ahead of time rather than spreading payments over time you can actually save on your bill.
• One Accident Forgiven – Not really a discount, but some insurance companies will let one accident slide without getting socked with a rate hike if you have no claims prior to the accident.

It’s important to note that most of the big mark downs will not be given to the entire cost. The majority will only reduce the price of certain insurance coverages like physical damage coverage or medical payments. So when the math indicates all the discounts add up to a free policy, it doesn’t quite work that way.

Large car insurance companies and a partial list of their discounts are shown below.

• Progressive may offer discounts for continuous coverage, online quote discount, good student, online signing, homeowner, multi-vehicle, and multi-policy.
• SAFECO offers discounts for drive less, bundle discounts, anti-lock brakes, anti-theft, accident prevention training, and multi-car.
• American Family includes discounts for mySafetyValet, TimeAway discount, good student, bundled insurance, multi-vehicle, air bags, and accident-free.
• MetLife has discounts for accident-free, multi-policy, good student, claim-free, good driver, and defensive driver.
• Geico has savings for seat belt use, driver training, multi-policy, membership and employees, good student, federal employee, and defensive driver.
• The Hartford offers premium reductions for driver training, good student, vehicle fuel type, defensive driver, anti-theft, bundle, and air bag.

Check with all the companies the best way to save money. All car insurance discounts may not be offered in your state.

Insurance agents can help

When buying the best car insurance coverage for your vehicles, there is no single plan that fits everyone. Coverage needs to be tailored to your specific needs.

These are some specific questions might point out if your situation may require specific advice.

• When would I need additional glass coverage?
• How can I find cheaper teen driver insurance?
• I don’t drive much so do I pay less?
• Does my 1996 Oldsmobile Eighty-Eight qualify for pleasure use?
• Are all vehicle passengers covered by medical payments coverage?
• Why am I required to buy liability insurance?

If it’s difficult to answer those questions but one or more may apply to you then you might want to talk to a licensed insurance agent. If you don’t have a local agent, take a second and complete this form. It’s fast, free and may give you better protection.

Can you really save if you switch?

Consumers constantly see and hear ads for cheaper insurance by Geico, State Farm and Progressive. All the companies tend to make the same promise about saving some big amount if you get a free auto insurance quote and switch your coverage to them.

How does every insurance company sell you cheaper insurance coverage?

Insurance companies give the best rates for the type of insured that earns them the most money. For example, a desirable risk might be described as over the age of 35, has other policies, and drives a vehicle with a low ISO rating. Anyone who fits that profile will most likely get cheap car insurance rates as well as save when switching.

Potential customers who don’t qualify for this ideal profile will probably be forced to pay higher premium rates and this can result in business going elsewhere. The trick is to say “customers who switch” not “everyone who quotes” can save as much as they claim. That’s the way companies can truthfully state the savings.

Different companies use different criteria so drivers must compare rate quotes every year. Because you cannot predict which company will have the lowest rates.

Car insurance 101

Knowing the specifics of insurance can help you determine appropriate coverage and proper limits and deductibles. The terms used in a policy can be impossible to understand and nobody wants to actually read their policy.

Medical payments coverage and PIP – Coverage for medical payments and/or PIP reimburse you for short-term medical expenses such as X-ray expenses, ambulance fees, doctor visits, rehabilitation expenses and nursing services. The coverages can be used to cover expenses not covered by your health insurance plan or if there is no health insurance coverage. They cover you and your occupants as well as if you are hit as a while walking down the street. Personal injury protection coverage is only offered in select states but can be used in place of medical payments coverage

Auto liability insurance – This coverage protects you from injuries or damage you cause to other people or property that is your fault. This coverage protects you against claims from other people. It does not cover your own vehicle damage or injuries.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show limits of 25/50/25 that means you have a limit of $25,000 per injured person, a per accident bodily injury limit of $50,000, and $25,000 of coverage for damaged propery. Some companies may use one limit called combined single limit (CSL) which combines the three limits into one amount rather than limiting it on a per person basis.

Liability coverage pays for things like repair bills for other people’s vehicles, structural damage, bail bonds, court costs and emergency aid. How much liability coverage do you need? That is a decision to put some thought into, but it’s cheap coverage so purchase higher limits if possible.

Comprehensive coverage – Comprehensive insurance covers damage OTHER than collision with another vehicle or object. A deductible will apply then your comprehensive coverage will pay.

Comprehensive can pay for claims like hitting a bird, theft and rock chips in glass. The most you’ll receive from a claim is the actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Uninsured/Underinsured Motorist coverage – Your UM/UIM coverage protects you and your vehicle when the “other guys” do not carry enough liability coverage. It can pay for injuries to you and your family as well as your vehicle’s damage.

Due to the fact that many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Most of the time these limits are identical to your policy’s liability coverage.

Collision coverages – This coverage pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage pays for claims such as sideswiping another vehicle, colliding with another moving vehicle, hitting a parking meter, damaging your car on a curb and scraping a guard rail. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are older. Drivers also have the option to increase the deductible to bring the cost down.

One last thing

You just read many tips how you can compare 1996 Oldsmobile Eighty-Eight insurance auto insurance rates online. The key concept to understand is the more providers you compare, the higher your chance of finding cheap auto insurance. Consumers may even find the lowest auto insurance rates are with an unexpected company.

People who switch companies do it for any number of reasons including policy non-renewal, extreme rates for teen drivers, poor customer service or lack of trust in their agent. It doesn’t matter why you want to switch switching car insurance companies can be pretty painless.

As you prepare to switch companies, never buy less coverage just to save a little money. There are a lot of situations where someone sacrificed comprehensive coverage or liability limits and discovered at claim time that the savings was not a smart move. Your focus should be to get the best coverage possible for the lowest cost.

For more information, link through to these articles:

• Senior Drivers (Insurance Information Insitute)
• Choosing an Insurance Company (Insurance Information Insitute)
• Insuring a Leased Car (Insurance Information Insitute)
• Distracted Driving Extends Beyond Texting (State Farm)
• Older Driver Statistics (Insurance Information Insitute)