Lower Your 1991 Oldsmobile Ninety-Eight Insurance Rates

I can’t think of a single person who looks forward to buying auto insurance, especially knowing the cost is too high.

Big-name insurance companies like Progressive, State Farm and Geico persitently shower you with advertising and it is challenging if not impossible to ignore the propoganda and do the work needed to find the best deal.

It’s a good habit to compare rates quite often because auto insurance prices tend to go up over time. Just because you had the best deal on Ninety-Eight insurance a couple years back the chances are good that you can find a lower premium rate today. Ignore everything you know about auto insurance because you’re about to learn the quickest way to save on auto insurance.

If you currently have a car insurance policy, you stand a good chance to be able to cut costs considerably using these tips. Finding affordable coverage is not rocket science. Nevertheless, vehicle owners must comprehend how big insurance companies sell insurance online and apply this information to your search.

The quickest way to compare car insurance company rates takes advantage of the fact most larger insurance companies pay for the opportunity to provide you with a free rate quote. All you need to do is provide information including if you’re married, how your vehicles are used, distance driven, and whether you have decent credit. Your information is instantly sent to multiple companies and they return quotes within a short period of time.

If you would like to start a quote now, click here and see if a lower rate is available.

You may qualify for discounts

Insurance is neither fun to buy or cheap, but you can get discounts to cut the cost considerably. Certain credits will be shown when you complete an application, but a few need to be asked for prior to getting the savings.

• Save over 55 – Seniors may qualify for a small discount on rates on Ninety-Eight insurance.
• Anti-theft System – Cars and trucks that have factory anti-theft systems have a lower chance of being stolen and earn discounts up to 10% off your auto insurance quote.
• Renewal Discounts – Select companies give a discount for signing up prior to your current policy expiration. You can save around 10% with this discount.
• Save with a New Car – Buying coverage on a new vehicle can cost up to 25% less compared to insuring an older model.
• First Accident Forgiveness – Not a discount per se, but a handful of insurance companies will allow you to have one accident without the usual rate increase if you have no claims for a specific time period.
• Passive Restraints – Vehicles with factory air bags and/or automatic seat belt systems may earn rate discounts as much as 30%.
• Discount for Life Insurance – Companies who offer life insurance give a lower premium rate if you buy some life insurance in addition to your auto policy.

Discounts lower rates, but some of the credits will not apply to your bottom line cost. Some only reduce individual premiums such as liability, collision or medical payments. Even though the math looks like you could get a free insurance policy, it just doesn’t work that way. But any discount will definitely lower the amount you have to pay.

Some of the insurance companies that may offer quotes with many of the previously listed discounts include:

• State Farm
• Geico
• Progressive
• 21st Century
• American Family
• The Hartford
• AAA

It’s a good idea to ask every insurance company the best way to save money. Discounts might not be offered on policies everywhere. To choose providers that provide some of the discounts listed above, click here to view.

There’s no such thing as the perfect insurance coverage policy

When choosing adequate coverage, there really is not a “best” method to buy coverage. Everyone’s situation is a little different so your insurance needs to address that. Here are some questions about coverages that may help you determine whether or not you might need an agent’s assistance.

• Are split liability limits better than a combined single limit?
• Do I pay less if my vehicle is kept in my garage?
• Where can I find DUI or SR-22 insurance?
• Do I need roadside assistance coverage?
• Can I rent a car in Mexico?
• How high should my uninsured/underinsured coverage be in my state?
• Should I waive the damage coverage when renting a car?
• Is a fancy paint job covered?
• Does my medical payments coverage pay my health insurance deductible?
• When should my teen driver be added to my policy?

If you don’t know the answers to these questions but a few of them apply, you might consider talking to a licensed agent. To find lower rates from a local agent, simply complete this short form or you can also visit this page to select a carrier

Insurance coverages explained

Understanding the coverages of your insurance policy helps when choosing the right coverages for your vehicles. Insurance terms can be ambiguous and even agents have difficulty translating policy wording. Listed below are the usual coverages found on the average insurance policy.

Uninsured and underinsured coverage

This provides protection from other drivers when they either are underinsured or have no liability coverage at all. Covered claims include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Because many people have only the minimum liability required by law, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Usually the UM/UIM limits do not exceed the liability coverage limits.

Auto liability insurance

This can cover injuries or damage you cause to a person or their property in an accident. It protects YOU from claims by other people, and doesn’t cover your own vehicle damage or injuries.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You commonly see liability limits of 25/50/25 which means a $25,000 limit per person for injuries, $50,000 for the entire accident, and a limit of $25,000 paid for damaged property. Occasionally you may see a combined limit which limits claims to one amount rather than limiting it on a per person basis.

Liability coverage protects against claims such as pain and suffering, structural damage, attorney fees and funeral expenses. The amount of liability coverage you purchase is a personal decision, but it’s cheap coverage so purchase as large an amount as possible.

Coverage for medical payments

Medical payments and Personal Injury Protection insurance reimburse you for expenses for things like EMT expenses, pain medications, funeral costs and X-ray expenses. The coverages can be used to fill the gap from your health insurance plan or if you do not have health coverage. Medical payments and PIP cover all vehicle occupants as well as any family member struck as a pedestrian. PIP is not available in all states but it provides additional coverages not offered by medical payments coverage

Comprehensive coverages

Comprehensive insurance will pay to fix damage from a wide range of events other than collision. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive can pay for claims such as falling objects, a broken windshield, theft and damage from a tornado or hurricane. The highest amount you can receive from a comprehensive claim is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Collision insurance

This coverage pays for damage to your Ninety-Eight caused by collision with another vehicle or an object, but not an animal. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims like hitting a mailbox, colliding with another moving vehicle and sideswiping another vehicle. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are 8 years or older. Another option is to increase the deductible to save money on collision insurance.