1992 Oldsmobile Ninety-Eight Car Insurance Quotes

Searching for better auto insurance rates? Consumers have lots of choices when looking for the lowest priced Oldsmobile Ninety-Eight insurance. You can either waste hours struggling with agents trying to get quotes or save time using the internet to get rate quotes. There is a right way and a wrong way to buy auto insurance so you’re going to learn the best way to get price quotes for a Oldsmobile and locate the cheapest rates.

Finding affordable coverage is quite easy. If you have car insurance now, you should be able to cut costs considerably using these methods. Drivers just need to understand the proper methods to find the lowest price over the internet.

How to lower your insurance costs

Lots of factors are taken into consideration when you get a price on insurance. A few of the factors are predictable such as traffic violations, but some are more transparent such as whether you are married or how safe your car is.Part of the insurance buying process is learning the different types of things that help determine the rates you pay for insurance. If you know what determines premiums, this enables you to make decisions that can earn you better insurance rates.

• Lower insurance rates with alarm systems – Selecting a car model with a theft deterrent system can help lower your rates. Advanced theft deterrents such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all aid in stopping your car from being stolen.
• Do you know you’re credit history? – Your credit score is a large factor in determining what you pay for insurance. If your credit rating is not that good, you may save money insuring your 1992 Oldsmobile Ninety-Eight by improving your credit score. Consumers who have very high credit ratings tend to file fewer claims than those with lower credit ratings.
• Single drivers may pay more – Walking down the aisle helps lower the price when buying insurance. Marriage generally demonstrates drivers are less irresponsible it has been statistically shown that being married results in fewer claims.
• How much liability insurance – A critical coverage on your policy, liability insurance will afford coverage when you are ruled to be at fault for physical damage or personal injury to other. Your policy’s liability insurance provides legal defense which can be incredibly expensive. Liability is cheap compared to insuring for physical damage coverage, so drivers should carry high limits.
• Insurance premiums and driver gender – Statistics have proven that women are safer drivers than men. This data doesn’t prove that women are BETTER drivers than men. Females and males are in auto accidents in similar percentages, but the males get into accidents with more damage. Not only that, but men also receive more major tickets such as driving while intoxicated (DWI) or driving recklessly. Young males tend to get in the most accidents and therefore have the most expensive insurance rates.
• Car plus home equals more savings – Some insurance companies will award lower prices to customers that buy multiple policies. It’s known as a multi-policy discount. Even though this discount sounds good, it’s always a smart idea to check prices from other companies to ensure the best deal.
• Job stress can affect prices – Did you know your job can affect your rates? Careers such as military generals, business owners and medical professionals tend to have higher rates than average because of intense work requirements and long work hours. Conversely, occupations like actors, engineers and retirees generally pay rates lower than average on Ninety-Eight insurance.

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Buy auto insurance online

Getting more affordable 1992 Oldsmobile Ninety-Eight auto insurance pricing is an easy way to save money. The only thing you need to do is invest a little time to compare rate quotes from some recommended companies. It is quite easy and can be accomplished in a couple of different ways.

1. If you don’t have a lot of time, the easiest way to get quotes for comparison is to use a rate comparison form like this one (opens in new window). This type of form prevents you from having to do a different quote to each individual auto insurance company. Filling out one form gets insurance cost estimates from multiple low-cost companies. Just one form and you’re done.
2. A more difficult way to get quotes online consists of going to each company’s website to complete their respective quote request forms. For example, let’s assume you want to get rates from Farmers, 21st Century and State Farm. To find out each rate you need to go to each individual site to enter your coverage information, which is why most consumers use the first method.

   For a handy list of car insurance company links in your area, click here.

3. The old school method to compare price estimates is to drive around to insurance agencies in your area. Comparing rate quotes online makes this unnecessary unless you’re the type of person who wants the personal advice only provided by licensed agents. If you prefer, some companies allow you to get the lowest quotes online but still have the advice of a local agent.

The approach you take is up to you, just make darn sure you compare exactly the same information with each company. If you compare different values for each quote it’s impossible to find the best deal for your Oldsmobile Ninety-Eight.

Car insurance companies offer money-saving discounts

Not too many consumers would say car insurance is affordable, but there could be significant discounts that you may not even be aware of. A few discounts will automatically apply at the time you complete a quote, but once in a while a discount must be specifically requested before they will apply.

• Low Mileage – Driving fewer miles could earn better rates on cars that stay parked.
• Paperwork-free – A handful of car insurance companies will discount your bill up to fifty bucks shop auto insurance on the web.
• Discount for Life Insurance – Not every insurance company offers life insurance, but if they do you may earn better premium rates if you take out auto and life insurance together.
• Drivers Ed for Students – Require your teen driver to participate in a local driver’s education class in high school.
• No Claim Discounts – Drivers who stay claim-free can earn big discounts compared to accident-prone drivers.
• No Charge for an Accident – Not a discount per se, but a few companies such as State Farm and Geico will forgive one accident without raising rates if you are claim-free for a specific time period.
• Distant Student Discount – College-age children who attend college more than 100 miles from home and do not have a car could get you a discount.
• Pay Now and Pay Less – If you pay your entire premium ahead of time rather than paying monthly you may reduce your total bill.
• Seat Belts Save more than Lives – Requiring all passengers to fasten their seat belts could cut 10% or more off the personal injury premium cost.

One thing to note about discounts is that most discount credits are not given to the entire policy premium. A few only apply to individual premiums such as comp or med pay. So even though it sounds like all those discounts means the company will pay you, you won’t be that lucky. But any discount will definitely reduce your policy cost.

The best car insurance companies and their possible discounts can be found below.

• 21st Century offers discounts including driver training, early bird, student driver, air bags, defensive driver, 55 and older, and teen driver.
• Progressive may include discounts for good student, homeowner, online signing, online quote discount, continuous coverage, multi-policy, and multi-vehicle.
• State Farm offers premium reductions for accident-free, Drive Safe & Save, defensive driving training, driver’s education, and passive restraint.
• Nationwide may offer discounts for defensive driving, anti-theft, easy pay, family plan, multi-policy, good student, and business or organization.
• Esurance discounts include good student, emergency road assistance, paid-in-full, homeowner, and DriveSense.
• The Hartford may have discounts that include bundle, driver training, defensive driver, air bag, good student, vehicle fuel type, and anti-theft.

It’s a good idea to ask each company how many discounts you can get. A few discounts might not be offered in your area. To see a list of insurers that offer some of these discounts, click this link.

Do I just need basic coverages?

When choosing the best car insurance coverage, there really is not a cookie cutter policy. Every situation is different.

For instance, these questions may help you determine if you would benefit from professional advice.

• Can I rent a car in Mexico?
• Will my rates increase for filing one claim?
• Can I afford to buy a different vehicle if my 1992 Oldsmobile Ninety-Eight is totaled?
• Is pleasure use cheaper than using my 1992 Oldsmobile Ninety-Eight to commute?
• Does my 1992 Oldsmobile Ninety-Eight qualify for pleasure use?
• How can I get high-risk coverage after a DUI?
• Do I need PIP (personal injury protection) coverage in my state?
• Why is insurance for a teen driver so high?
• What if I owe more than I can insure my car for?

If you don’t know the answers to these questions, you may need to chat with an insurance agent. To find an agent in your area, complete this form. It only takes a few minutes and can provide invaluable advice.

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Specific coverages for an Oldsmobile Ninety-Eight

Learning about specific coverages of your policy aids in choosing appropriate coverage and proper limits and deductibles. The coverage terms in a policy can be impossible to understand and even agents have difficulty translating policy wording.

Comprehensive insurance

Comprehensive insurance pays to fix your vehicle from damage from a wide range of events other than collision. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive can pay for things like a tree branch falling on your vehicle, damage from a tornado or hurricane, fire damage, a broken windshield and hitting a bird. The most a insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Coverage for medical expenses

Medical payments and Personal Injury Protection insurance provide coverage for bills for surgery, hospital visits and prosthetic devices. They are used to fill the gap from your health insurance policy or if there is no health insurance coverage. They cover all vehicle occupants and also covers getting struck while a pedestrian. PIP is only offered in select states and gives slightly broader coverage than med pay

Coverage for uninsured or underinsured drivers

Uninsured or Underinsured Motorist coverage protects you and your vehicle when other motorists do not carry enough liability coverage. It can pay for injuries sustained by your vehicle’s occupants and damage to your Oldsmobile Ninety-Eight.

Since a lot of drivers have only the minimum liability required by law, their limits can quickly be used up. This is the reason having UM/UIM coverage is a good idea.

Liability coverages

This will cover damages or injuries you inflict on people or other property by causing an accident. This coverage protects you from legal claims by others, and doesn’t cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show liability limits of 100/300/100 which means $100,000 bodily injury coverage, $300,000 for the entire accident, and a total limit of $100,000 for damage to vehicles and property.

Liability can pay for things like structural damage, emergency aid, attorney fees and funeral expenses. How much coverage you buy is a personal decision, but you should buy as much as you can afford.

Collision coverage protection

This coverage covers damage to your Ninety-Eight resulting from colliding with another vehicle or an object, but not an animal. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage pays for things like damaging your car on a curb, rolling your car, scraping a guard rail, backing into a parked car and hitting a mailbox. Collision coverage makes up a good portion of your premium, so you might think about dropping it from older vehicles. Drivers also have the option to increase the deductible to bring the cost down.

Don’t throw your cash in the trash

People change insurance companies for a variety of reasons including poor customer service, unfair underwriting practices, policy cancellation and even being labeled a high risk driver. Regardless of your reason, switching insurance coverage companies is pretty easy and you might even save some money in the process.

When trying to cut insurance costs, never buy less coverage just to save a little money. In many cases, an accident victim reduced physical damage coverage only to regret at claim time that the few dollars in savings costed them thousands. Your goal should be to get the best coverage possible at the best cost and still be able to protect your assets.

We just presented some good ideas how to compare 1992 Oldsmobile Ninety-Eight insurance premium rates online. The most important thing to understand is the more quotes you get, the better chance you’ll have of finding inexpensive auto insurance. You may even discover the best premium rates are with some of the lesser-known companies.

Other resources

• Understanding your Policy (NAIC.org)
• Top Signs Your Brakes are Giving Out (State Farm)
• Vehicle Size and Weight FAQ (iihs.org)
• What if I Can’t Find Coverage? (Insurance Information Insitute)
• How to Avoid Staged Accidents (State Farm)

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