1997 Oldsmobile Eighty-Eight Car Insurance Rates – 7 Policy Discounts

Looking for better auto insurance rates for your Oldsmobile Eighty-Eight? Locating lower priced auto insurance over the internet might appear difficult for vehicle owners new to quoting and buying their auto insurance over the internet. When there are so many insurers available, how are vehicle owners able to have a chance to compare every company to locate better auto insurance prices?

It is always a good idea to take a look at other company’s rates every six months because insurance prices tend to go up over time. Even if you got the lowest rate for Eighty-Eight coverage two years ago you can probably find a lower rate today. Block out anything you think you know about auto insurance because you’re going to learn the tricks you need to know to save on auto insurance.

Buying car insurance is not rocket science. Just about every driver who shops for insurance coverage should be able to cut their insurance bill. Although car owners can benefit from knowing how companies sell insurance online and apply this information to your search.

Auto insurance policy discounts

Auto insurance is easily one of your largest bills, but there’s a good chance there are discounts that could drop your premiums quite a bit. Most are applied when you complete an application, but occassionally some discounts must be asked for in order for you to get them.

• Policy Bundle Discount – If you insure your home and vehicles with one company you could earn a discount of at least 10% off all policies.
• Accident Forgiveness – Not really a discount, but some insurance companies permit an accident without raising rates if your claims history is clear for a set time period.
• Senior Discount – Older drivers may receive reduced rates for Eighty-Eight coverage.
• Lower Rates for Military – Being deployed in the military can result in better premium rates.
• Club Memberships – Joining specific professional or occupational memberships or organizations could trigger savings when getting a auto insurance quote.
• Payment Discounts – If you pay your entire premium ahead of time instead of paying each month you can avoid monthly service charges.
• Anti-theft Discount – Vehicles equipped with anti-theft or alarm systems are less likely to be stolen and will save you 10% or more.

Drivers should understand that most credits do not apply to all coverage premiums. Most only cut individual premiums such as comp or med pay. Despite the fact that it seems like adding up those discounts means a free policy, insurance companies wouldn’t stay in business.

To find insurance companies who offer discounts, follow this link.

The best way we recommend to compare car insurance rates is to understand most larger insurance companies will pay a fee to compare their rates. The only thing you need to do is provide a small amount of information such as whether or not you need a SR-22, if you went to college, the make and model of your vehicles, and how old drivers are. The rating information gets sent immediately to multiple companies and you will get price comparisons immediately.

How do I know if I need professional advice?

When choosing the best insurance coverage coverage, there isn’t really a “perfect” insurance plan. Everyone’s situation is unique.

For instance, these questions can aid in determining whether or not you might need an agent’s assistance.

• Does liability extend to a camper or trailer?
• Is a new car covered when I drive it off the dealer lot?
• What if I owe more than I can insure my car for?
• Should I sign the liability waiver when renting a car?
• Can I drive in Mexico and have coverage?
• When should I buy a commercial auto policy?
• Can I rate high risk drivers on liability-only vehicles?

If you can’t answer these questions 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.

Car insurance coverage information

Understanding the coverages of car insurance helps when choosing appropriate coverage at the best deductibles and correct limits. Policy terminology can be confusing and reading a policy is terribly boring.

Collision – Collision insurance covers damage to your Eighty-Eight resulting from colliding with a stationary object or other vehicle. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage pays for things such as sustaining damage from a pot hole, crashing into a building, driving through your garage door, scraping a guard rail and rolling your car. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are older. It’s also possible to raise the deductible to bring the cost down.

Medical costs insurance – Coverage for medical payments and/or PIP kick in for bills for surgery, pain medications, dental work, prosthetic devices and X-ray expenses. The coverages can be used to fill the gap from your health insurance policy or if you are not covered by health insurance. Coverage applies to you and your occupants as well as if you are hit as a while walking down the street. Personal injury protection coverage is only offered in select states and may carry a deductible

UM/UIM Coverage – This provides protection from other drivers when they either have no liability insurance or not enough. Covered claims include hospital bills for your injuries as well as damage to your Oldsmobile Eighty-Eight.

Since many 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 is important protection for you and your family.

Comprehensive or Other Than Collision – This coverage pays for damage OTHER than collision with another vehicle or object. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things such as falling objects, hitting a bird and hail damage. The maximum payout a car insurance company will pay at claim time is the actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Liability coverage – This will cover damage that occurs to a person or their property. Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. Your policy might show values of 25/50/25 which means $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and a total limit of $25,000 for damage to vehicles and property.

Liability insurance covers claims such as medical services, loss of income, attorney fees and emergency aid. The amount of liability coverage you purchase is a decision to put some thought into, but buy as high a limit as you can afford.

At the end of the day…

As you go through the steps to switch your coverage, don’t be tempted to sacrifice coverage to reduce premiums. There are many occasions where drivers have reduced full coverage to discover at claim time that they should have had better coverage. The proper strategy is to purchase plenty of coverage at the lowest possible cost and still be able to protect your assets.

Cheaper insurance is definitely available on the web and from local agencies, so get free auto insurance quotes from both of them to have the best rate selection. Some insurance companies do not offer the ability to get a quote online and these smaller companies sell through local independent agencies.

Throughout this article, we presented quite a bit of information on how to shop for 1997 Oldsmobile Eighty-Eight insurance online. The key thing to remember is the more companies you get premium rates for, the higher your chance of finding cheaper auto insurance. You may even find the best price on insurance is with a small local company.

For more information, take a look at the articles below:

• State Car Insurance Guides (Geico)
• Distracted Driving (Insurance Information Insitute)
• Collision Insurance Coverage (Nationwide)
• When is the Right Time to Switch Car Insurance Companies? (Allstate)
• How do I File a Claim? (Insurance Information Insitute)