1990 Oldsmobile Ninety-Eight Insurance Cost – 8 Ideas for Cheaper Prices

Did budget coverage turn out to be high-priced auto insurance? It’s a common feeling and many consumers are in the same pinch.

Due to the large number of insurance providers from which to choose, it’s nearly impossible to find the right auto insurance provider.

Use discounts to get cheaper auto insurance rates

Car insurance companies do not advertise all their discounts in a way that’s easy to find, so the following is a list of some of the best known and the more hidden credits available to lower your premiums when you buy insurance coverage online.

  • Sign Online – Some of the larger companies will provide an incentive for completing your application on the internet.
  • Claim-Free Discount – Insureds who avoid accidents and claims can save substantially in comparison with drivers who are more careless.
  • Homeowners Discount – Just owning your own home can earn you a little savings since owning and maintaining a home shows financial diligence.
  • Federal Government Employee – Being employed by or retired from a federal job can earn a discount up to 10% for Ninety-Eight insurance with select insurance companies.
  • Theft Deterent Discount – Vehicles that have factory alarm systems and tracking devices help deter theft and qualify for as much as a 10% discount.
  • Military Rewards – Being deployed in the military may qualify for rate reductions.
  • Drive Safe and Save – Drivers without accidents can pay as much as 50% less for Ninety-Eight insurance compared to accident prone drivers.
  • Driver’s Education for Students – Have your child sucessfully take a drivers education course as it can save substantially.

While discounts sound great, it’s important to understand that some credits don’t apply the the whole policy. Most only cut the cost of specific coverages such as liability, collision or medical payments. Just because you may think you could get a free auto insurance policy, auto insurance companies aren’t that generous.

Some of the insurance companies that have most of the discounts above are:

When comparing rates, check with each company what discounts are available to you. Some discounts listed above may not be available in your area. If you would like to view insurance companies that offer some of these discounts, click this link.

Low cost insurance prices

Performing a rate comparison can be exhausting if you don’t understand the best way to get rate quotes. You can waste hours talking to insurance companies in your area, or you could use online quotes to get prices fast.

Many companies are enrolled in a marketplace where insurance shoppers submit their information once, and each participating company then gives them pricing determined by their information. This prevents consumers from doing quotation requests for each company you want a rate for.

To access this free quoting program, click here to start a free quote.

The only downside to doing it this way is that you can’t choose the insurers to receive prices from. So if you want to choose specific providers to request quotes from, we put together a list of insurance companies in your area. View list of insurance companies.

It’s your choice how you get your quotes, but double check that you are using exactly the same coverage data on every price quote you get. If you have different data then you won’t be able to truly determine the lowest rate. Quoting even small variations in limits could mean much higher rates. And when comparing insurance rates, know that quoting more helps you find a lower rate than you’re paying now.

Tailor your auto insurance coverage to you

When choosing coverage for your personal vehicles, there isn’t really a “perfect” insurance plan. Every insured’s situation is different and a cookie cutter policy won’t apply. For example, these questions may help you determine if your situation may require specific advice.

  • Will I lose any money if I cancel my policy before it expires?
  • Do I need rental car coverage?
  • Do I have coverage for damage caused while driving under the influence?
  • Why is insurance for a teen driver so high?
  • When should I buy a commercial auto policy?
  • Am I missing any policy discounts?

If you’re not sure about those questions but you think they might apply to your situation, you may need to chat with a licensed insurance agent. To find lower rates from a local agent, take a second and complete this form or you can go here for a list of companies in your area.

Educate yourself about insurance coverages

Learning about specific coverages of your policy can help you determine appropriate coverage for your vehicles. The coverage terms in a policy can be ambiguous and reading a policy is terribly boring. Listed below are the normal coverages found on the average insurance policy.

Collision insurance

This coverage pays to fix your vehicle from damage from colliding with another vehicle or an object, but not an animal. You first must pay a deductible then your collision coverage will kick in.

Collision insurance covers things such as hitting a mailbox, sideswiping another vehicle and damaging your car on a curb. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are 8 years or older. Another option is to bump up the deductible to get cheaper collision coverage.

Auto liability insurance

Liability coverage can cover injuries or damage you cause to other people or property by causing an accident. Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. Your policy might show liability limits of 100/300/100 which means $100,000 in coverage for each person’s injuries, $300,000 for the entire accident, and property damage coverage for $100,000.

Liability coverage pays for things like emergency aid, funeral expenses and pain and suffering. The amount of liability coverage you purchase is your choice, but it’s cheap coverage so purchase higher limits if possible.

Comprehensive insurance

This pays for damage that is not covered by collision coverage. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims like damage from getting keyed, hitting a bird, damage from flooding and hail damage. The most a 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 it’s not worth carrying full coverage.

Med pay and Personal Injury Protection (PIP)

Med pay and PIP coverage reimburse you for bills for hospital visits, X-ray expenses, doctor visits and nursing services. They can be used to fill the gap from your health insurance policy or if there is no health insurance coverage. It covers both the driver and occupants and also covers getting struck while a pedestrian. PIP is not universally available but can be used in place of medical payments coverage

Uninsured/Underinsured Motorist (UM/UIM)

This coverage protects you and your vehicle when the “other guys” are uninsured or don’t have enough coverage. This coverage pays for injuries sustained by your vehicle’s occupants and also any damage incurred to your Oldsmobile Ninety-Eight.

Since a lot of drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is important protection for you and your family.

Quote often and quote early

Cost effective 1990 Oldsmobile Ninety-Eight insurance is available both online as well as from independent agents, and you should compare price quotes from both to get a complete price analysis. A few companies do not offer rates over the internet and most of the time these smaller providers prefer to sell through local independent agents.

As you go through the steps to switch your coverage, make sure you don’t reduce needed coverages to save money. Too many times, someone sacrificed comprehensive coverage or liability limits and learned later they didn’t purchase enough coverage. Your focus should be to buy a smart amount of coverage at the lowest possible cost and still be able to protect your assets.

In this article, we covered quite a bit of information on how to lower your 1990 Oldsmobile Ninety-Eight insurance rates. The key concept to understand is the more times you quote, the better your comparison will be. Drivers may discover the lowest priced insurance coverage comes from an unexpected company. These companies may often insure only within specific states and give getter rates than their larger competitors like State Farm or Progressive.

Other learning opportunities