1998 Oldsmobile Eighty-Eight Insurance Quotes – 6 Policy Discounts

Looking for better insurance rates for your Oldsmobile Eighty-Eight? Overpriced Oldsmobile Eighty-Eight insurance can dry up your budget and force you to make tough financial choices. Online insurance companies like Geico and Progressive constantly bombard you with catchy ads and consumers find it hard to see past the corporate glitz and take the time to shop coverage around.

It’s a good idea to check insurance prices as often as possible because insurance rates are constantly changing. Just because you found the best deal on Eighty-Eight insurance a few years ago a different company probably has better prices today. Forget anything you know (or think you know) about insurance because you’re about to find out the quickest way to properly buy coverages while reducing your premium.

How to get auto insurance rate quotes

There are a lot of ways to shop for auto insurance, but some are more efficient than others. You could spend the better part of a day talking about coverages with insurance agencies in your area, or you could use the internet to achieve your goal.

Many insurance companies participate in an industry program that allows shoppers to submit one quote, and every company returns a competitive quote for coverage. This system prevents you from having to do quote forms for each company. To use this form to compare rates click to open in new window.

The one disadvantage to comparing rates this way is that consumers can’t choose the insurers you want to price. If you would rather choose specific insurance companies to compare rates, we have a page of low cost auto insurance companies in your area. Click to view list.

Whichever way you use, make sure you are using nearly identical information with every price quote. If the quotes have unequal deductibles or liability limits it will be impossible to determine which company has the best rates.

Buyer beware of auto insurance advertising tricks

Consumers can’t avoid all the ads for cheaper auto insurance by State Farm, Allstate and Geico. All the companies have a common claim that drivers will save a bundle if you change your policy.

It sounds good, but how can they all sell you cheaper insurance coverage? It’s all in the wording.

Auto insurance companies have a preferred profile for a prospective insured that will be a good risk. One example of a preferred risk may need to be over the age of 50, has no prior claims, and the vehicle is rated for pleasure use. Any person who fits those characteristics will get a cheap rate quote and therefore will save quite a bit of money when switching.

People who cannot meet those standards may receive more expensive rates and this can result in the prospect going elsewhere. The trick is to say “people that switch” not “all people who quote” save that much when switching. That is how insurance companies can make those claims. Each company has different criteria, so you should do a price quote comparison at every renewal. Because without a comparison, you cannot know which company will have the best prices for your profile.

Get affordable car insurance with discounts

Some companies don’t always publicize the entire discount list very well, so we took the time to find both the well known and also the lesser-known savings tricks you should be using when you buy insurance online.

• New Vehicle Savings – Buying a new car model can get you a discount because new vehicles have to meet stringent safety requirements.
• Discounts for Federal Employees – Active or retired federal employment can save as much as 8% on Eighty-Eight insurance depending on your company.
• Payment Discounts – By paying your policy upfront as opposed to paying monthly you may have a lower total premium amount.
• Resident Student – Any of your kids who are enrolled in higher education away from home and do not take a car to college may qualify for this discount.
• Paper-free Discount – A few companies may give you up to $50 for signing up on your computer.
• Homeowners Savings – Just being a homeowner may earn you a small savings since home ownership requires personal responsibility.

As a footnote on discounts, most of the big mark downs will not be given to the entire cost. Most only cut the cost of specific coverages such as collision or personal injury protection. Even though the math looks like you could get a free car insurance policy, you aren’t that lucky.

Insurance companies that may have some of the discounts shown above include:

• State Farm
• American Family
• AAA
• Geico
• Mercury Insurance
• Farmers Insurance
• Progressive

Check with each company which discounts you qualify for. Discounts might not apply in every state. For a list of insurers with discount car insurance rates, click this link.

Tailor your auto insurance coverage to you

When choosing the best auto insurance coverage for your vehicles, there really is not a cookie cutter policy. Your needs are not the same as everyone else’s so your insurance should reflect that These are some specific questions can help discover whether you would benefit from an agent’s advice.

• Is my 1998 Oldsmobile Eighty-Eight covered for flood damage?
• What is covered by UM/UIM coverage?
• Do I need added coverage for expensive stereo equipment?
• Can my teen drive my company car?
• Should I get collision insurance on every vehicle?
• Does liability extend to a camper or trailer?
• Am I better off with higher deductibles on my 1998 Oldsmobile Eighty-Eight?
• When should I remove comp and collision on my 1998 Oldsmobile Eighty-Eight?
• Will filing a claim cost me more?
• Is my ex-spouse still covered by my policy?

If you can’t answer these questions but you know they apply to you, you might consider talking to an insurance agent. To find lower rates from a local agent, take a second and complete this form or go to this page to view a list of companies. It’s fast, doesn’t cost anything and may give you better protection.

Detailed coverages of your insurance policy

Understanding the coverages of a insurance policy can be of help when determining appropriate coverage and proper limits and deductibles. The coverage terms in a policy can be ambiguous and reading a policy is terribly boring. Below you’ll find typical coverage types offered by insurance companies.

Coverage for uninsured or underinsured drivers – This coverage gives you protection from other drivers when they either have no liability insurance or not enough. It can pay for hospital bills for your injuries and damage to your Oldsmobile Eighty-Eight.

Due to the fact that many drivers carry very low liability coverage limits, their limits can quickly be used up. This is the reason having UM/UIM coverage is very important.

Collision – Collision coverage covers damage to your Eighty-Eight resulting from a collision with a stationary object or other vehicle. You first must pay a deductible and then insurance will cover the remainder.

Collision can pay for things such as sideswiping another vehicle, scraping a guard rail, crashing into a building, colliding with another moving vehicle and rolling your car. 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 to get cheaper collision coverage.

Coverage for medical expenses – Personal Injury Protection (PIP) and medical payments coverage provide coverage for immediate expenses like surgery, X-ray expenses, rehabilitation expenses, ambulance fees and chiropractic care. They can be used in conjunction with a health insurance policy or if you lack health insurance entirely. Coverage applies to not only the driver but also the vehicle occupants in addition to any family member struck as a pedestrian. Personal injury protection coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Liability car insurance – Liability coverage will cover injuries or damage you cause to other’s property or people that is your fault. It protects you from legal claims by others. It does not cover your own vehicle damage or injuries.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have limits of 25/50/25 which means a limit of $25,000 per injured person, $50,000 for the entire accident, and $25,000 of coverage for damaged propery.

Liability coverage protects against things like medical services, emergency aid and attorney fees. How much liability should you purchase? That is a personal decision, but it’s cheap coverage so purchase as high a limit as you can afford.

Comprehensive insurance – Comprehensive insurance pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims like fire damage, rock chips in glass, theft and vandalism. The most you’ll receive from a claim is the actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Shop. Compare. Save.

When you buy insurance online, it’s not a good idea to reduce needed coverages to save money. In many instances, an insured cut uninsured motorist or liability limits only to regret that the few dollars in savings costed them thousands. The aim is to purchase a proper amount of coverage for the lowest price but still have enough coverage for asset protection.

You just read some good ideas how to compare 1998 Oldsmobile Eighty-Eight insurance prices online. The key thing to remember is the more quotes you get, the better chance you’ll have of finding affordable insurance. You may be surprised to find that the lowest priced auto insurance comes from some of the smallest insurance companies. Some small companies may often insure only within specific states and give getter rates compared to the large companies like Allstate or State Farm.

Affordable 1998 Oldsmobile Eighty-Eight insurance is possible on the web and with local insurance agents, and you should compare price quotes from both to have the best rate selection. Some companies may not provide online quoting and most of the time these regional carriers work with independent agents.

Helpful learning opportunities

• Protecting Teens from Drunk Driving (Insurance Information Insitute)
• Teen Driving Statistics (iihs.org)
• Determing Auto Insurance Rates (Geico)
• Medical Payments Coverage (Liberty Mutual)
• Frontal Crash Tests (iihs.org)
• Rental Car Insurance Tips (Insurance Information Insitute)