Lower Your 1996 Oldsmobile Eighty-Eight Insurance Cost

Finding low cost auto insurance probably sounds like a formidable task if you are like most people and have never completed rate quotes online. But don’t be baffled because finding affordable coverage online is easier than you think.

Finding affordable coverage is not rocket science. In a nutshell, everyone who is required by state law to have car insurance will be able to find better rates. But vehicle owners benefit from understanding how companies price online insurance and use this information to your advantage.

Discounts to earn lower-cost car insurance rates

Car insurance is neither fun to buy or cheap, but you may be missing some discounts to cut the cost considerably. Some of these disounts will be visible when you quote, but some discounts are required to be inquired about before you will receive the discount. If you do not double check each discount you qualify for, you are not getting the best rate possible.

• E-sign Discounts – A few larger online companies will provide an incentive for buying your policy online.
• Anti-lock Brake System – Vehicles with anti-lock braking systems can stop better under adverse conditions so you can save 10 percent or more.
• Federal Government Employee – Having worked for a branch of the government could cut as much as 10% off for Eighty-Eight coverage depending on your company.
• Home Ownership Discount – Being a homeowner can get you a discount since home ownership demonstrates responsibility.
• Lower Rates for Military – Being on active deployment in the military could mean lower prices.
• Student Discounts – Being a good student can be rewarded with saving of up to 25%. This discount can apply well after school through age 25.
• Discount for Life Insurance – Select insurance companies reward you with a lower premium rate if you buy life insurance.

A little note about advertised discounts, most credits do not apply to the entire policy premium. Some only apply to the price of certain insurance coverages like collision or personal injury protection. Despite the appearance that all those discounts means the company will pay you, company stockholders wouldn’t be very happy.

To choose insurers who offer online car insurance quotes, click here to view.

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Compare quotes for auto insurance

When shopping for auto insurance there are multiple ways of comparing rates from lots of auto insurance companies. The recommended way to find the cheapest 1996 Oldsmobile Eighty-Eight insurance rates consists of obtaining rate quotes online. This is very easy and can be done using a couple different methods.

The best way consumers can make multiple comparisons is to use a rate comparison form click to view form in new window. This style of form keeps you from doing separate quotation requests for every company. One quote request gets coverage cost estimates from many national carriers. It’s the fastest way to compare.

A less efficient way to compare rate quotes requires visiting each company website and repeat the quote process again and again. For examples sake, let’s assume you are doing a rate comparison from Progressive, 21st Century and Geico. You would be required to go to every website and enter your policy data, which can get old fast.

For a list of links to insurance companies in your area, click here.

It doesn’t matter which method you choose, just make absolute certain that you use the same coverages and limits on every quote. If you use higher or lower deductibles you will not be able to truly determine the lowest rate. Slightly different insurance coverages could throw off the whole comparison. And when comparison shopping, having more price comparisons will enable you to find the best price.

Smart buyers can reduce their insurance costs

An important part of buying insurance is that you know some of the factors that aid in calculating the level of your policy premiums. If you have some idea of what determines premiums, this empowers consumers to make smart changes that may result in lower premium levels. Lots of factors are taken into consideration when you quote your car insurance policy. Some factors are common sense such as traffic violations, but some are less apparent such as your credit history or your vehicle rating.

The list below includes some of the major factors utilized by car insurance companies to help set your premiums.

• Older drivers pay less – More experienced drivers are proven to be safer behind the wheel, tend to cause fewer accidents .Drivers with little experience have a tendency to be careless and easily distracted behind the wheel so they pay higher insurance rates.
• Infrequent drivers can save – Driving more miles annually the more it will cost to insure it. Many insurance companies calculate prices based upon how much you drive. Cars and trucks that have low annual miles receive better premium rates than vehicles that have high annual mileage. It’s a good idea to make sure your insurance policy shows the correct usage for each vehicle. Improper usage on your Eighty-Eight can cost quite a bit.
• Big city or small town – Choosing to live in small towns and rural areas may provide you with better prices when shopping for auto insurance. People who live in big cities regularly have more aggressive driving styles and longer commutes to work. Less people living in that area means a lower chance of having an accident.
• Gals tend to be lower risk – Statistics show females are less aggressive when driving. Now that doesn’t mean women are BETTER drivers than men. They both tend to get into at-fault accidents at a similar rate, but the males tend to have more serious accidents. They also get higher numbers of serious violations like reckless driving and DUI.
• Lower stress equals lower rates – Careers such as military personnelpolice officers and miners are shown to have the highest average rates because of high stress and long work hours. Conversely, jobs such as scientists, athletes and the unemployed receive lower rates for Eighty-Eight coverage.
• Accidents drive up prices – A bad driving record has a big impact on rates. Careful drivers get better rates compared to drivers with tickets. Having just one speeding ticket or other violation can boost insurance rates forty percent or more. Drivers unfortunate enough to have license-revoking violations such as reckless driving or DUI may face state-mandated requirements to submit a SR-22 or proof of financial responsibility with their state’s department of motor vehicles in order to prevent a license revocation.
• Good credit saves on insurance – Having a bad credit score will be a significant factor in determining what you pay. Therefore, if your credit history leaves room for improvement, you could pay less to insure your 1996 Oldsmobile Eighty-Eight if you clean up your credit. People with very good credit scores tend to file fewer claims and have better driving records as compared to drivers with poor credit scores.
• Extra policy coverages are wasting money – There are many add-on coverages that can waste your money on your Eighty-Eight policy. Add-on coverages like replacement cost coverage, better glass coverage, and term life insurance are some examples. The coverages may be enticing at first, but your needs may have changed so consider taking them off your policy.

Tailor your auto insurance coverage to you

When it comes to buying proper insurance coverage for your personal vehicles, there isn’t really a one size fits all plan. Your needs are not the same as everyone else’s.

For example, these questions may help highlight if your insurance needs would benefit from professional advice.

• Should I carry comprehensive and collision coverage?
• Are all vehicle passengers covered by medical payments coverage?
• Can I rate high risk drivers on liability-only vehicles?
• Is my camper covered by my car insurance policy?
• I don’t drive much so do I pay less?
• Does insurance cover damages from a DUI accident?
• Do I get a pro-rated refund if I cancel my policy early?
• Am I covered by my employer’s commercial auto policy when driving my personal car for business?
• Is borrowed equipment or tools covered if stolen or damaged?
• Can I afford low physical damage deductibles?

If it’s difficult to answer those questions but a few of them apply then you might want to talk to an agent. If you don’t have a local agent, complete this form.

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Truth in insurance advertising

State Farm, Geico and Progressive consistently run ads on TV and radio. All the ads have a common claim that drivers can save some big amount if you change your policy. How can each company make the same claim? It’s all in the words they use.

Insurance companies have a preferred profile for a prospective insured that will not have excessive claims. A good example of a profitable insured may need to be between the ages of 30 and 50, has few claims, and drives newer vehicles. A propective insured that meets those criteria will get a cheap rate quote and will also save some money.

Drivers who don’t meet those criteria will have to pay a higher rate which translates to business going elsewhere. The trick companies use is to say “people that switch” not “everybody who quotes” can save as much as they claim. That’s the way insurance companies can confidently make the claims of big savings. This really illustrates why you really need to compare as many free auto insurance quotes as you can. It’s impossible to know the company that will have the best rates for your profile.

Parts of your car insurance policy

Having a good grasp of a car insurance policy can help you determine which coverages you need and the correct deductibles and limits. The terms used in a policy can be impossible to understand and reading a policy is terribly boring.

Med pay and Personal Injury Protection (PIP)

Coverage for medical payments and/or PIP provide coverage for bills like chiropractic care, dental work, prosthetic devices and funeral costs. The coverages can be used to cover expenses not covered by your health insurance plan or if you are not covered by health insurance. Coverage applies to all vehicle occupants and also covers any family member struck as a pedestrian. PIP is only offered in select states but it provides additional coverages not offered by medical payments coverage

Comprehensive insurance

Comprehensive insurance covers damage that is not covered by collision coverage. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive can pay for claims such as hitting a bird, damage from a tornado or hurricane and a broken windshield. The maximum amount a car insurance company will pay at claim time is the market value of your vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Uninsured/Underinsured Motorist (UM/UIM)

This coverage provides protection when other motorists do not carry enough liability coverage. This coverage pays for hospital bills for your injuries as well as your vehicle’s damage.

Since many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is important protection for you and your family.

Liability auto insurance

This will cover damage that occurs to other people or property by causing an accident. It protects you against claims from other people, and doesn’t cover damage to your own property or vehicle.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see policy 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.

Liability can pay for things like repair bills for other people’s vehicles, bail bonds and medical expenses. How much liability coverage do you need? That is your choice, but consider buying higher limits if possible.

Collision coverage protection

Collision insurance will pay to fix damage to your Eighty-Eight caused by collision with an object or car. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for things like crashing into a building, backing into a parked car and colliding with a tree. This coverage can be expensive, so you might think about dropping it from vehicles that are older. Drivers also have the option to bump up the deductible to save money on collision insurance.

One last thing about your coverage

When trying to cut insurance costs, never buy poor coverage just to save money. There have been many cases where an insured cut full coverage only to regret that a couple dollars of savings turned into a financial nightmare. Your strategy should be to purchase a proper amount of coverage at the best price, but do not sacrifice coverage to save money.

Drivers change insurance companies for any number of reasons including high rates after DUI convictions, lack of trust in their agent, unfair underwriting practices or even extreme rates for teen drivers. No matter why you want to switch, finding a new car insurance company is not as hard as you think.

Cheaper 1996 Oldsmobile Eighty-Eight insurance can be found online and with local insurance agents, and you need to comparison shop both to have the best selection. Some companies don’t offer online quoting and most of the time these small insurance companies sell through independent insurance agents.

To read more, link through to the resources below:

• Vehicle Size and Weight FAQ (iihs.org)
• Crash Avoidance Technologies FAQ (iihs.org)
• Choosing an Insurance Company (Insurance Information Insitute)
• Safety Tips for Teen Drivers (Insurance Information Insitute)
• Bodily Injury Coverage (Liberty Mutual)

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