Compare 1999 Oldsmobile Eighty-Eight Insurance Cost

Looking for lower insurance coverage rates for your Oldsmobile Eighty-Eight? Are you regretting the purchase of high-priced insurance coverage? Believe me when I say many drivers feel the same as you.

Due to the abundance of insurance providers from which to choose, it is very difficult to choose the cheapest insurance coverage company.

It’s a great practice to get comparison quotes before your policy renews because prices fluctuate regularly. Despite the fact that you may have had the best price for Eighty-Eight coverage a couple years back the chances are good that you can find a lower rate today. You can find a lot of misleading information regarding insurance coverage out there, but in just a couple of minutes you can learn some excellent ideas to stop overpaying for insurance.

Finding the best rates is quite easy. Essentially everyone who is required by state law to have insurance coverage will be able to find better rates. But consumers need to have an understanding of how insurance companies determine prices.

The quickest method we recommend to compare insurance rates in your area is to realize all the major auto insurance companies participate in a system to give rate comparisons. All you need to do is provide the companies a bit of rating information like how much you drive, whether or not you need a SR-22, whether you drive to work or school, and how much education you have. That rating information is instantly submitted to many highly-rated insurers and you receive quotes within a short period of time.

To start a rate quote now, click here then complete the form.

Lower rates by qualifying for discounts

Some providers don’t always list every available discount in an easy-to-find place, so the list below gives a summary of both well-publicized and the more hidden savings tricks you should be using when you buy insurance online. If they aren’t giving you every credit possible, you’re paying more than you need to.

• Telematics Discount – Drivers who elect to allow driving data submission to track their driving habits by using a telematics device in their vehicle like Drivewise from Allstate or In-Drive from State Farm might see lower rates as long as they are good drivers.
• Fewer Miles Equal More Savings – Low annual miles may enable drivers to earn substantially lower premium rates.
• Good Drivers – Insureds without accidents may receive a discount up to 45% for Eighty-Eight coverage compared to rates paid by drivers with frequent claims.
• Sign Early and Save – Some larger companies provide a discount for signing up before your current policy expires. It could save around 10% when you buy insurance online.
• Student in College – College-age children who live away from home to go to college and do not take a car to college may qualify for this discount.
• Online Discount – A few insurance companies will give a small break for buying your policy online.

Discounts reduce rates, but you should keep in mind that many deductions do not apply to all coverage premiums. Most cut specific coverage prices like physical damage coverage or medical payments. So when it seems like having all the discounts means you get insurance for free, you aren’t that lucky.

To locate insurers with significant discounts, follow this link.

How insurers calculate Oldsmobile Eighty-Eight insurance costs

The best way to find cheaper car insurance is to take a look at the rating factors that are used to determine car insurance rates. If you know what impacts premium levels, this allows you to make good choices that may result in cheaper rates.

Listed below are some of the factors that factor into premiums.

• Premiums are affected by your credit score – An insured’s credit score is a large factor in determining what you pay. Drivers who have excellent credit scores tend to be more responsible and file fewer claims as compared to drivers with lower ratings. If your credit is lower than you’d like, you could be paying less to insure your 1999 Oldsmobile Eighty-Eight by repairing your credit.
• Lower rates with a multi-policy discount – Most companies give a discount to insureds who consolidate policies with them. It’s known as a multi-policy discount. Discounts can add up to as much as ten percent or more If you currently are using one company, it’s in your best interest to compare other company rates to help guarantee you have the best rates. Consumers may save more without the discount by buying from different companies
• Responsible drivers pay less – Having a single citation can increase the cost of insurance forty percent or more. Drivers who don’t get tickets receive lower rates compared to bad drivers. Drivers unfortunate enough to have multiple violations such as reckless driving, hit and run or driving under the influence may face state-mandated requirements to file a proof of financial responsibility form (SR-22) with their state in order to legally drive a vehicle.
• Your address can influence prices – Living in a rural area can be a good thing when trying to find low car insurance rates. Fewer drivers and short commutes translates into fewer accident claims and lower theft and vandalism rates. Drivers who live in large cities have much more traffic and longer commute times. The longer drive time means a statistically higher chance of an accident.

Insurance coverage is unique, just like you

When buying coverage, there really is not a best way to insure your cars. Everyone’s situation is unique so your insurance needs to address that. For instance, these questions may help you determine whether you would benefit from professional advice.

• Is my teen driver covered when they drive my company car?
• Is my 1999 Oldsmobile Eighty-Eight covered for flood damage?
• I have good health insurance, so how much medical payments coverage do I need?
• Where can I find DUI or SR-22 insurance?
• Is rental equipment covered for theft or damage?
• When do I need to add a new car to my policy?
• Should I buy only the required minimum liability coverage?
• Is pleasure use cheaper than using my 1999 Oldsmobile Eighty-Eight to commute?

If you can’t answer these questions but you know they apply to you then you might want to talk to an insurance agent. If you don’t have a local agent, take a second and complete this form or go to this page to view a list of companies.

Car insurance coverages for an Oldsmobile Eighty-Eight

Understanding the coverages of your insurance policy can help you determine which coverages you need for your vehicles. The terms used in a policy can be difficult to understand and even agents have difficulty translating policy wording. These are typical coverages offered by insurance companies.

Comprehensive insurance

Comprehensive insurance covers damage OTHER than collision with another vehicle or object. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things such as hitting a deer, hitting a bird and damage from flooding. The maximum payout your insurance company will pay is the cash value of the vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Collision protection

This will pay to fix damage to your Eighty-Eight caused by collision with an object or car. A deductible applies then your collision coverage will kick in.

Collision can pay for things like backing into a parked car, crashing into a ditch and rolling your car. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are 8 years or older. You can also raise the deductible to get cheaper collision coverage.

Med pay and Personal Injury Protection (PIP)

Med pay and PIP coverage provide coverage for immediate expenses such as EMT expenses, pain medications, nursing services and prosthetic devices. They are used to fill the gap from your health insurance plan or if you lack health insurance entirely. It covers both the driver and occupants as well as getting struck while a pedestrian. PIP is not universally available but can be used in place of medical payments coverage

Auto liability insurance

Liability insurance will cover injuries or damage you cause to a person or their property that is your fault. It protects you against other people’s claims, and does not provide coverage for your own vehicle damage or injuries.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show values of 50/100/50 that means you have $50,000 bodily injury coverage, a per accident bodily injury limit of $100,000, and $50,000 of coverage for damaged propery.

Liability insurance covers things such as medical expenses, court costs, repair bills for other people’s vehicles, repair costs for stationary objects and funeral expenses. How much liability coverage do you need? That is your choice, but consider buying as large an amount as possible.

Uninsured/Underinsured Motorist (UM/UIM)

This coverage provides protection from other drivers when they do not carry enough liability coverage. Covered losses include hospital bills for your injuries as well as damage to your Oldsmobile Eighty-Eight.

Since a lot of drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage should not be overlooked.

Save your hard earned cash

When trying to cut insurance costs, don’t be tempted to buy lower coverage limits just to save a few bucks. There have been many cases where drivers have reduced full coverage only to discover later that they should have had better coverage. The proper strategy is to buy enough coverage for the lowest cost.

More affordable insurance is available on the web and with local insurance agents, and you need to price shop both in order to have the best chance of saving money. Some insurance companies may not have internet price quotes and many times these regional carriers only sell through local independent agencies.

Even more information is located by following these links:

• Shopping for a Safe Car (Insurance Information Insitute)
• Teen Driving Statistics (Geico)
• Car Insurance: When not to Skimp (BankRate.com)
• State Laws for Cellphones and Texting (iihs.org)
• Teen Driver Statistics (Insurance Information Insitute)
• Property Damage Coverage (Liberty Mutual)