How Much Does 1996 Oldsmobile Ninety-Eight Insurance Cost?

Finding cheaper insurance for your Oldsmobile Ninety-Eight can be a lot of work, but you can follow these tips and make it easy. There is a right way and a wrong way to shop for car insurance and we’ll show you the absolute fastest way to quote coverages for a Oldsmobile and find the lowest price.

Find discounts on auto insurance

Some companies don’t always advertise all their discounts very well, so we researched some of the best known and also the lesser-known credits available to lower your premiums when you buy insurance coverage online.

• Safety Course Discount – Taking part in a class that teaches defensive driver techniques can save you 5% or more and easily recoup the cost of the course.
• Theft Deterent System – Cars, trucks, and SUVs with anti-theft systems have a lower chance of being stolen and qualify for as much as a 10% discount.
• Data Collection Discounts – Insureds who allow data collection to look at their driving habits by using a telematics device in their vehicle such as Progressive’s Snapshot might get better premium rates if they show good driving skills.
• ABS Braking Discount – Vehicles equipped with ABS or steering control are safer to drive and will save you 10% or more.
• Discount for Passive Restraints – Options like air bags and/or automatic seat belt systems may get savings of more than 20%.
• Early Renewal Discounts – Some companies give discounts for switching to them prior to your current policy expiring. This can save 10% or more.
• Multi-Vehicle Discounts – Buying coverage for multiple cars on the same auto insurance policy could earn a price break for each car.
• Multi-policy Discount – When you have multiple policies and insure them with the same company you will save at least 10 to 15 percent or more.

A little note about advertised discounts, most of the big mark downs will not be given to the entire policy premium. Some only reduce the price of certain insurance coverages like medical payments or collision. If you do the math and it seems like all those discounts means the company will pay you, auto insurance companies aren’t that generous.

To see auto insurance companies who offer online auto insurance quotes, follow this link.

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What determines Oldsmobile Ninety-Eight insurance premiums?

Lots of things are taken into consideration when pricing auto insurance. Some are pretty understandable such as traffic violations, although some other factors are not quite as obvious like your vehicle usage or your financial responsibility.

The list below includes some of the things used by companies to determine your rates.

• High comp and collision deductibles save money – Physical damage insurance, also called ‘full coverage’, protects your Oldsmobile from damage. Some examples of covered claims could be a broken windshield, flood damage, and damage from a fallen tree branch. The deductibles you choose define how much you are willing to pay out-of-pocket before a claim is paid by your company. The larger the amount the insured is willing to pay, the bigger discount you will receive on Ninety-Eight insurance.
• Save money by eliminating incidental coverages – Insurance policies have a lot of additional coverages you can purchase but may not be useful. Coverage for things like personal injury protection, high-cost glass coverage, and extra life insurance coverage may be costing you every month. The coverages may be enticing initially, but your needs may have changed so eliminate the coverages to reduce your premium.
• Reduce prices by driving safer vehicles – Cars with five star safety ratings get lower rates. Safer cars reduce occupant injuries and lower injury rates translates into savings for insurance companies passed on to you as lower rates. If your Oldsmobile Ninety-Eight has ratings of a minimum four stars on Safercar.gov or an “acceptable” rating on iihs.org it may be receiving lower rates.
• Proper usage rating affects rates – The higher the mileage driven annually the more you’ll pay to insure it. Most insurance companies charge rates based upon how you use the vehicle. Cars that do not get driven very much can get a lower rate compared to those used for work or business. Improper usage on your Ninety-Eight may be costing you higher rates. Ask your agent if your insurance coverage is showing how each vehicle is driven, because it can save money.
• Prevent theft and lower insurance rates – Choosing to buy a car that has an advanced theft prevention system can save you a little every year. Anti-theft devices like OnStar found on GM vehicles, advanced tracking like LoJack, and vehicle immobilization systems all help stop your car from being stolen.
• Vocation stress can make you pay more – Did you know your career choice can influence rates? Occupations such as lawyerspolice officers and emergency personnel have higher premium rates due to high stress levels and long work hours. On the other hand, jobs like farmers, athletes and the unemployed pay the least on Ninety-Eight insurance.

Tailor your auto insurance coverage to you

When it comes to choosing the best auto insurance coverage, there really is no perfect coverage plan. Every insured’s situation is different.

For instance, these questions may help highlight whether you will benefit from professional help.

• How much liability insurance is required?
• Should I get collision insurance on every vehicle?
• Are my tools covered if they get stolen from my vehicle?
• Which is better, split liability limits or combined limits?
• Should I waive the damage coverage when renting a car?
• Does coverage extend to my business vehicle?

If it’s difficult to answer those questions but you think they might apply to your situation, you may need to chat with an insurance agent. To find an agent in your area, complete this form. It’s fast, free and you can get the answers you need.

Specifics of your car insurance policy

Understanding the coverages of a car insurance policy helps when choosing the best coverages for your vehicles. Car insurance terms can be difficult to understand and even agents have difficulty translating policy wording.

Comprehensive protection

Comprehensive insurance coverage covers damage OTHER than collision with another vehicle or object. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims such as vandalism, damage from getting keyed and hail damage. The maximum amount your car insurance company will pay is the cash value of the vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

Auto liability insurance

Liability insurance can cover injuries or damage you cause to other’s property or people that is your fault. It protects YOU from legal claims by others, and doesn’t cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You might see values of 100/300/100 that means you have a $100,000 limit per person for injuries, a per accident bodily injury limit of $300,000, and a total limit of $100,000 for damage to vehicles and property.

Liability coverage pays for things such as medical expenses, loss of income, pain and suffering and court costs. The amount of liability coverage you purchase is a decision to put some thought into, but you should buy as large an amount as possible.

Medical expense coverage

Med pay and PIP coverage kick in for short-term medical expenses for ambulance fees, doctor visits and prosthetic devices. They are used to cover expenses not covered by your health insurance plan or if there is no health insurance coverage. Coverage applies to you and your occupants and will also cover any family member struck as a pedestrian. PIP coverage is not available in all states but can be used in place of medical payments coverage

Coverage for collisions

This coverage pays to fix your vehicle from damage resulting from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage protects against things like colliding with another moving vehicle, crashing into a ditch and backing into a parked car. This coverage can be expensive, so you might think about dropping it from vehicles that are 8 years or older. Drivers also have the option to increase the deductible in order to get cheaper collision rates.

Uninsured or underinsured coverage

This gives you protection from other drivers when they either are underinsured or have no liability coverage at all. This coverage pays for injuries to you and your family and damage to your Oldsmobile Ninety-Eight.

Because many people have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is a good idea.

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Stretch your dollar

Some insurance providers may not offer internet price quotes small insurance companies work with local independent agents. More affordable car insurance is definitely available online as well as from independent agents, and you need to price shop both in order to have the best price selection to choose from.

Insureds leave their current company for any number of reasons including questionable increases in premium, not issuing a premium refund, unfair underwriting practices and extreme rates for teen drivers. Regardless of your reason, finding a new company can be easier than you think.

In this article, we presented some good ideas how to compare 1996 Oldsmobile Ninety-Eight insurance prices online. It’s most important to understand that the more rate quotes you have, the more likely it is that you will get a better rate. Consumers may even find the lowest priced car insurance comes from some of the smallest insurance companies.

For more information, feel free to browse these articles:

• Drunk Driving Statistics (Insurance Information Insitute)
• Should I Purchase an Umbrella Liability Policy? (Insurance Information Insitute)
• Vehicle Safety Ratings (iihs.org)
• Insurance Losses by Make and Model (iihs.org)
• Car Insurance: When not to Skimp (BankRate.com)

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