1998 Oldsmobile Eighty-Eight Car Insurance Rates – 8 Tricks for Best Quotes

I can’t think of anyone who rejoices having to buy insurance coverage, especially when they are aware that they are paying too much. Consumers have so many auto insurance companies to buy insurance from, and even though it’s nice to have a choice, so many choices can make it hard to compare rates and cut insurance costs.

You need to compare rates before your next renewal because insurance coverage rates trend upward over time. Even if you think you had the best premium rates on Eighty-Eight insurance a year ago there is a good chance you can find better prices now. Ignore everything you know about insurance coverage because it’s time to teach you one of the easiest ways to remove unneeded coverages and save money.

Finding affordable coverage is not that difficult. If you are paying for car insurance now, you should be able to reduce your rates substantially using this information. Vehicle owners only need an understanding of the best way to get comparison rates online.

Reduce your auto insurance rates with these eight discounts

Companies do not advertise every disount available very clearly, so we break down a few of the more well known and also the more inconspicuous discounts that you can inquire about if you buy car insurance online.

• Organization Discounts – Belonging to a qualifying organization is a simple method to lower premiums on your next renewal.
• Mature Driver Discount – If you qualify as a senior citizen, you may receive reduced rates on Eighty-Eight insurance.
• First Accident Forgiveness – Not a discount per se, but companies like Geico and Liberty Mutual will forgive one accident without raising rates so long as you haven’t had any claims for a particular time prior to the accident.
• Government Employees – Active or retired federal employment may qualify for a discount when you quote car insurance on Eighty-Eight insurance with a few auto insurance companies.
• Military Deployment Discount – Being on active deployment in the military may qualify for rate reductions.
• Student in College – who live away from home at college and do not have access to a covered vehicle may be insured at a cheaper rate.
• Discount for Low Mileage – Low mileage vehicles could qualify for cheaper premium rates.
• Telematics Data – Drivers that enable their company to study driving manner by using a telematics device in their vehicle such as Progressive’s Snapshot and State Farm’s In-Drive might get better premium rates if they have good driving habits.

A little disclaimer on discounts, some credits don’t apply the the whole policy. A few only apply to the price of certain insurance coverages like comp or med pay. So even though it sounds like you could get a free auto insurance policy, auto insurance companies aren’t that generous.

To choose providers who offer cheap auto insurance quotes, follow this link.

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Free auto insurance price quotes

Finding a lower price on 1998 Oldsmobile Eighty-Eight insurance is an easy way to save money. Just take a few minutes to compare rate quotes from different insurance companies. Shoppers can get rates using one of these methods.

• The most recommended method consumers can analyze rates would be an industry-wide quote request form (click to open form in new window). This form keeps you from doing separate quote forms to each individual auto insurance company. A single, simple form gets you coverage quotes from many national carriers.
• A harder way to obtain and compare quotes online requires visiting each company’s website and get a separate price quote. For sake of this example, we’ll pretend you want to see prices from Allstate, State Farm and GMAC. To get each rate you have to spend time going to each site individually and repeatedly type in your coverage information, which can be really labor intensive.

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

• The least efficient and most time consuming way to price shop rates to local insurance agencies. The ability to get quotes online has made agencies unnecessary unless you have a complicated situation and need the trained guidance of a local agent. If you prefer, some companies allow you to get the lowest quotes online but buy the policy through an agent.

It’s up to you which method you use, but make sure you are using the exact same coverage data on every quote you get. If your comparisons have differing limits then you won’t be able to decipher which rate is best.

You are unique and your insurance should be too

When buying proper insurance coverage, there really is no “best” method to buy coverage. Everyone’s needs are different so this has to be addressed. Here are some questions about coverages that can help discover if your situation might need an agent’s assistance.

• Why am I required to buy high-risk coverage?
• Why am I required to get a high-risk car insurance policy?
• Is a blown tire covered by insurance?
• Is business equipment covered while in my vehicle?
• Is pleasure use cheaper than using my 1998 Oldsmobile Eighty-Eight to commute?
• Do I benefit by insuring my home with the same company?

If you don’t know the answers to these questions then you might want to talk to an agent. If you want to speak to an agent in your area, simply complete this short form or click here for a list of insurance companies in your area. It’s fast, free and may give you better protection.

Coverages available on your insurance policy

Knowing the specifics of insurance aids in choosing the best coverages and proper limits and deductibles. The terms used in a policy can be impossible to understand and reading a policy is terribly boring. These are the normal coverages found on the average insurance policy.

Uninsured/Underinsured Motorist coverage

Your UM/UIM coverage protects you and your vehicle from other motorists when they either are underinsured or have no liability coverage at all. It can pay for hospital bills for your injuries as well as damage to your Oldsmobile Eighty-Eight.

Since a lot of drivers have only the minimum liability required by law, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Auto collision coverage

This will pay to fix damage to your Eighty-Eight caused by collision with another car or object. You have to pay a deductible and then insurance will cover the remainder.

Collision can pay for claims like colliding with a tree, sideswiping another vehicle and crashing into a building. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from lower value vehicles. You can also raise the deductible to get cheaper collision coverage.

Liability coverages

Liability insurance can cover injuries or damage you cause to a person or their property in an accident. It protects YOU from legal claims by others. It does not cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have values of 100/300/100 which means $100,000 bodily injury coverage, a limit of $300,000 in injury protection per accident, and property damage coverage for $100,000.

Liability can pay for things such as pain and suffering, repair bills for other people’s vehicles, emergency aid and legal defense fees. How much liability should you purchase? That is a decision to put some thought into, but you should buy higher limits if possible.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage reimburse you for immediate expenses like X-ray expenses, dental work, chiropractic care, EMT expenses and doctor visits. They are often used in conjunction with a health insurance plan or if you do not have health coverage. Coverage applies to not only the driver but also the vehicle occupants as well as if you are hit as a while walking down the street. PIP is not available in all states but it provides additional coverages not offered by medical payments coverage

Comprehensive coverage

This coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims such as fire damage, damage from a tornado or hurricane and theft. The maximum payout you’ll receive from a claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

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Never pay more for less

Cost effective 1998 Oldsmobile Eighty-Eight insurance can be bought online as well as from independent agents, so you need to quote car insurance with both in order to have the best chance of saving money. Some insurance companies may not offer online price quotes and many times these regional carriers sell through independent insurance agents.

In this article, we presented a lot of techniques to shop for 1998 Oldsmobile Eighty-Eight insurance online. It’s most important to understand that the more rate comparisons you have, the higher the chance of saving money. You may even discover the lowest priced insurance comes from a lesser-known regional company. These smaller insurers may cover specific market segments cheaper than their larger competitors like Progressive or Geico.

More detailed insurance information is located in these articles:

• What Does No-Fault Insurance Cover? (Allstate)
• Vehicle Safety Ratings (iihs.org)
• Learn About Car Insurance (Geico)
• Drunk Driving Statistics (Insurance Information Insitute)
• Teen Driving Statistics (Geico)

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