Save on 1997 Oldsmobile Eighty-Eight Insurance Quotes

There isn’t a single person who rejoices having to buy insurance coverage, in particular when the cost is too high. Big-name insurance companies like State Farm and Geico all promote huge savings with ad campaigns and it is difficult to see past the geckos and flying pigs and do the work needed to find the best deal.

Are you qualifying for every discount?

The cost of insuring your cars can be expensive, but there could be significant discounts to help offset the cost. Some trigger automatically at the time of purchase, but some may not be applied and must be specially asked for prior to receiving the credit.

• E-sign Discounts
• Multiple Cars – Buying coverage for primary and secondary vehicles with one company can get a discount for every vehicle.
• Claim Free – Claim-free drivers get the best insurance coverage rates as opposed to drivers who are more careless.
• Save with a New Car – Buying insurance coverage coverage on a new vehicle can cost up to 25% less because new model year vehicles are generally safer.
• Driver Safety – Successfully completing a course teaching driver safety skills can save you 5% or more and easily pay for the cost of the class.
• Lower Rates for Military – Being deployed in the military can result in better insurance coverage rates.
• Student Driver Training – It’s a good idea to have your young drivers take driver’s ed class if it’s offered in school.
• Discount for Passive Restraints – Cars that have air bags or motorized seat belts may qualify for discounts of 20% or more.

As a sidenote, most of the big mark downs will not be given the the whole policy. Most cut the cost of specific coverages such as comprehensive or collision. So when it seems like you would end up receiving a 100% discount, companies don’t profit that way.

Car insurance companies that may have these money-saving discounts include:

• State Farm
• Progressive
• Travelers
• American Family
• Liberty Mutual

Before you buy a policy, ask all companies you are considering the best way to save money. Savings might not apply in every state. If you would like to see a list of companies who offer discounts, click here to view.

When in doubt talk to an agent

When choosing the right insurance coverage, there really is not a “perfect” insurance plan. Everyone’s situation is unique and your policy should reflect that. Here are some questions about coverages that might point out if your insurance needs may require specific advice.

• Can I drive in Mexico and have coverage?
• What is the ISO rating for a 1997 Oldsmobile Eighty-Eight?
• Is my nanny covered when driving my vehicle?
• Am I covered when driving on a suspended license?
• Will filing a claim cost me more?
• Am I covered when driving someone else’s vehicle?
• Am I covered by my employer’s commercial auto policy when driving my personal car for business?
• How does medical payments coverage work?
• Does car insurance cover theft of personal property?
• Do I have coverage when using my vehicle for my home business?

If you can’t answer these questions but you know they apply to you, you may need to chat with an insurance agent. If you want to speak to an agent in your area, take a second and complete this form or go to this page to view a list of companies. It only takes a few minutes and can provide invaluable advice.

But they said I’d save $459 a year!

Consumers can’t get away from all the ads that claim the lowest premium rates from companies such as 21st Century, Allstate and State Farm. They all seem to make the promise that you can save after switching your insurance coverage to their company.

That’s great but how can every company save you money? Just pay attention to how they say it.

Insurance companies quote their cheapest rates for the type of driver that earns them the most money. An example of a preferred risk might have to be a married female, has never had a claim, and the vehicle is rated for pleasure use. A driver who fits that profile will get the preferred premium rates and will also save some money.

Consumers who don’t meet this ideal profile will get higher prices which results in the driver buying from a lower-cost company. If you listen to the ad wording, they say “customers who switch” not “everyone who quotes” save money. That is how insurance companies can claim big savings.

Because every company is different, drivers should compare many company’s premium rates. Because you never know the company that will have the lowest rate quotes.

Auto insurance specifics

Learning about specific coverages of your policy helps when choosing appropriate coverage and the correct deductibles and limits. The coverage terms in a policy can be ambiguous and coverage can change by endorsement. These are the normal coverages offered by auto insurance companies.

Liability insurance

Liability insurance will cover injuries or damage you cause to other people or property that is your fault. This coverage protects you from claims by other people, and 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 25/50/25 that means you have a $25,000 limit per person for injuries, a limit of $50,000 in injury protection per accident, and a limit of $25,000 paid for damaged property. Alternatively, you may have a combined limit which combines the three limits into one amount with no separate limits for injury or property damage.

Liability coverage protects against things like bail bonds, loss of income, legal defense fees and medical services. How much coverage you buy is up to you, but it’s cheap coverage so purchase as much as you can afford.

Comprehensive auto insurance

This will pay to fix damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims such as damage from flooding, a broken windshield, a tree branch falling on your vehicle, rock chips in glass and hail damage. The maximum payout your auto insurance company will pay is the market value of your vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Coverage for medical expenses

Personal Injury Protection (PIP) and medical payments coverage kick in for immediate expenses like surgery, doctor visits, rehabilitation expenses, nursing services and prosthetic devices. They can be utilized in addition to your health insurance program or if there is no health insurance coverage. It covers all vehicle occupants as well as being hit by a car walking across the street. PIP is not an option in every state and may carry a deductible

Coverage for collisions

Collision insurance covers damage to your Eighty-Eight from colliding with another car or object. A deductible applies then your collision coverage will kick in.

Collision coverage protects against claims such as crashing into a ditch, driving through your garage door, damaging your car on a curb and sustaining damage from a pot hole. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are older. Another option is to bump up the deductible to get cheaper collision coverage.

Coverage for uninsured or underinsured drivers

This coverage protects you and your vehicle when the “other guys” are uninsured or don’t have enough coverage. This coverage pays for injuries to you and your family and damage to your 1997 Oldsmobile Eighty-Eight.

Since a lot of drivers carry very low liability coverage limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is very important. Usually these coverages are identical to your policy’s liability coverage.

More effort can pay off

Affordable 1997 Oldsmobile Eighty-Eight insurance is possible both online and from local agencies, so you should be comparing quotes from both to have the best selection. Some auto insurance companies do not offer the ability to get quotes online and most of the time these regional insurance providers sell through independent agencies.

While you’re price shopping online, it’s very important that you do not reduce coverage to reduce premium. In many instances, an accident victim reduced uninsured motorist or liability limits only to find out that the few dollars in savings costed them thousands. The proper strategy is to buy enough coverage at an affordable rate, but do not sacrifice coverage to save money.

We covered a lot of information how to reduce 1997 Oldsmobile Eighty-Eight insurance car insurance rates online. It’s most important to understand that the more companies you get premium rates for, the higher the chance of saving money. You may even discover the best car insurance rates are with some of the smallest insurance companies. These companies often have lower premium rates on specific markets than the large multi-state companies such as Allstate and Progressive.

Additional articles

• Car Insurance: When not to Skimp (BankRate.com)
• How to Avoid Buying a Flooded Car (Insurance Information Insitute)
• Teen Driver Statistics (Insurance Information Insitute)
• Your Car has been Stolen: Now What? (Allstate)
• Winter Driving (Insurance Information Insitute)