Save on 1999 Oldsmobile Eighty-Eight Insurance Quotes

Want better insurance coverage rates for your Oldsmobile Eighty-Eight? Locating low-cost insurance coverage can be somewhat intimidating for people that are relatively new to comparing rates and buying insurance coverage online. When there are so many companies, how are people expected to have time to compare the different rates to find better prices?

How to get the cheapest auto insurance

When shopping for cheaper auto insurance quotes, there are a couple of ways to get quotes from all the different companies. The fastest way to lower the rate you pay for 1999 Oldsmobile Eighty-Eight insurance is to use the internet to compare rates. This is quite simple and can be completed in a couple minutes as outlined below.

1. The simplest way consumers can make multiple comparisons is to use a rate comparison form like this one (opens in new window). This quick form keeps you from doing separate quotation requests for each price estimate. One quote request compares rates from many national carriers. This is perfect if you don’t have a lot of time.
2. A harder way to compare prices requires a trip to each company website to complete a price quote. For example, we’ll assume you want rates from USAA, 21st Century and Progressive. To get each rate you have to navigate to each company’s site to enter the same coverage data repeatedly, and that’s why the first method is more popular. For a list of links to companies insuring cars in your area, click here.

Take whichever approach you prefer, but make sure you compare equivalent coverage limits with every price quote. If you use different deductibles it’s impossible to make a fair comparison for your Oldsmobile Eighty-Eight. Even a minor difference in insurance coverages or limits can mean a large discrepancy in price. And when comparison shopping, comparing more company’s prices will increase your chances of finding the best rates. Some insurance companies are not set up to provide online rate quotes, so you should also compare price quotes on coverage from those companies, too.

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More discounts mean cheaper premiums

Auto insurance companies don’t always publicize every possible discount in an easy-to-find place, so the list below gives a summary of a few of the more well known and the harder-to-find auto insurance savings.

• Claim-Free Discount – Good drivers with no accidents can save substantially as compared to policyholders that have many claims.
• Defensive Driver Discounts – Passing a defensive driver class could save 5% or more and also improve your driving technique.
• Life Insurance – Not all insurance carriers offer life insurance, but some may give you a lower auto insurance rate if you buy a life insurance policy as well.
• Government Employees – Active or former government employment can save as much as 8% on Eighty-Eight coverage with some auto insurance companies.
• Sign Online – Certain companies may give you up to $50 for buying your policy on the internet.
• Bundled Policy Discount – When you have multiple policies with the same insurance company you could earn a discount of 10% to 20% off each policy.
• Anti-theft System – Cars, trucks, and SUVs that have factory anti-theft systems prevent vehicle theft and earn discounts up to 10% off your auto insurance quote.
• Distant College Student Discount – College-age children living away from home attending college and don’t have a car may be insured at a cheaper rate.
• Multiple Cars – Insuring more than one vehicle on one policy can get a discount for every vehicle.
• Early Switch Discount – A few larger companies give discounts for renewing your policy before your current policy expires. This discount can save up to 10%.

It’s important to note that some credits don’t apply to the entire cost. A few only apply to individual premiums such as liability, collision or medical payments. Despite the appearance that you could get a free auto insurance policy, auto insurance companies aren’t that generous.

If you would like to choose from a list of insurance companies who offer cheap auto insurance quotes, click this link.

It’s not one size fits all

When buying coverage for your personal vehicles, there isn’t really a one size fits all plan. Every insured’s situation is different.

For example, these questions might help in determining if you would benefit from an agent’s advice.

• Am I covered when renting a car or should I buy coverage from the car rental agency?
• Do I need rental car coverage?
• Am I covered when driving someone else’s vehicle?
• Which companies will insure high-risk drivers?
• Am I missing any policy discounts?
• Is upholstery damage covered by car insurance?

If it’s difficult to answer those questions but you think they might apply to your situation, you may need to chat with an agent. If you don’t have a local agent, take a second and complete this form.

Find more affordable insurance with these tips

A large part of saving on insurance is knowing some of the factors that help determine the level of your policy premiums. If you know what determines premiums, this helps enable you to make changes that may result in cheaper rates. Many factors are considered when premium rates are determined. Most are fairly basic like an MVR report, but some are less apparent like where you live or your commute time.

The items below are most of the major factors used by your company to calculate your prices.

• Being married can save on insurance – Being married helps lower the price on your insurance bill. It means you’re more stable financially and statistics prove married drivers get in fewer accidents.
• If you don’t need it don’t buy it – There are a ton of additional coverages that can waste your money if you aren’t careful. Things like vanishing deductibles, towing coverage, and membership fees are probably not needed. They may sound like good ideas when talking to your agent, but now you might not need them so remove them and pocket the money.
• Your address can push rates up or down – Being located in less populated areas has definite advantages when it comes to insurance. Drivers who live in large cities have traffic congestion and longer commutes to work. Lower population translates into fewer accidents.
• Prices and occupation – Jobs like doctorsair traffic controllers and financial analysts tend to have higher average rates because of intense work situations and long work hours. On the flip side, occupations such as scientists, engineers and retirees have lower than average premiums on Eighty-Eight coverage.

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Insurance coverage specifics

Understanding the coverages of your insurance policy can be of help when determining the best coverages and proper limits and deductibles. Policy terminology can be difficult to understand and nobody wants to actually read their policy.

Medical expense insurance

Medical payments and Personal Injury Protection insurance pay for expenses such as chiropractic care, hospital visits and EMT expenses. They are utilized in addition to your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover you and your occupants and also covers being hit by a car walking across the street. PIP coverage is not an option in every state and may carry a deductible

Protection from uninsured/underinsured drivers

Uninsured or Underinsured Motorist coverage gives you protection when the “other guys” either have no liability insurance or not enough. Covered claims include medical payments for you and your occupants as well as damage to your 1999 Oldsmobile Eighty-Eight.

Because many people carry very low liability coverage limits, their limits can quickly be used up. So UM/UIM coverage should not be overlooked. Usually these limits are identical to your policy’s liability coverage.

Auto liability

This can cover damage or injury you incur to people or other property by causing an accident. This coverage protects you against claims from other people. Liability doesn’t cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You might see values of 50/100/50 that means you have $50,000 in coverage for each person’s injuries, $100,000 for the entire accident, and $50,000 of coverage for damaged propery. Another option is a combined limit which provides one coverage limit without having the split limit caps.

Liability can pay for claims like attorney fees, legal defense fees, emergency aid and structural damage. How much liability coverage do you need? That is up to you, but it’s cheap coverage so purchase as large an amount as possible.

Comprehensive (Other than Collision)

Comprehensive insurance coverage pays for damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims like hitting a bird, damage from flooding and hail damage. The maximum amount you’ll receive from a claim is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Auto collision coverage

Collision insurance pays to fix your vehicle from damage caused by collision with another car or object. A deductible applies then your collision coverage will kick in.

Collision coverage pays for claims such as driving through your garage door, damaging your car on a curb, sustaining damage from a pot hole and sideswiping another vehicle. Paying for collision coverage can be pricey, so consider dropping it from lower value vehicles. Another option is to bump up the deductible to get cheaper collision coverage.

At the end of the day…

Throughout this article, we presented a lot of tips how to lower your 1999 Oldsmobile Eighty-Eight insurance car insurance rates. It’s most important to understand that the more companies you get premium rates for, the more likely it is that you will get a better rate. Drivers may discover the biggest savings come from some of the lesser-known companies.

When you buy auto insurance online, it’s a bad idea to reduce needed coverages to save money. In many cases, drivers have reduced full coverage and found out when filing a claim that it was a big mistake. Your strategy should be to get the best coverage possible at the best possible price, not the least amount of coverage.

Consumers who switch companies do it for many reasons like poor customer service, being labeled a high risk driver, policy non-renewal or even delays in responding to claim requests. It doesn’t matter what your reason, finding a new insurance company is not as difficult as it may seem.

Additional detailed information can be read in the articles below:

• Teen Driving Statistics (iihs.org)
• Auto Crash Statistics (Insurance Information Insitute)
• Event Data Recorders FAQ (iihs.org)
• What is Full Coverage? (Allstate)

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