How Much Does 1991 Oldsmobile Ninety-Eight Insurance Cost?

Are you at wits end from trying to scrape together enough money to pay insurance coverage each month? Your situation is no different than many other consumers. Consumers have multiple car insurance companies to purchase coverage from, and even though it’s nice to have a selection, it can be more challenging to find the lowest cost provider.

Buying car insurance is easy if you know what you’re doing. If you currently have car insurance, you will be able to cut costs considerably using these tips. Drivers just need to know the most effective way to compare rates over the internet.

You can change your insurance rates

Lots of things are used in the calculation when you get a price on insurance. A few of the factors are predictable such as your driving record, although others are not quite as obvious like where you live or your financial responsibility.When buying car insurance it’s important to understand the rating factors that help calculate your car insurance rates. When you know what positively or negatively impacts premium levels, this enables informed choices that can earn you lower car insurance prices.

The itemized list below are some of the major factors used by your company to calculate your rate level.

  • Don’t get traffic citations – Being a careful driver has a huge affect on how much you pay. Even a single speeding ticket can increase the cost of insurance by twenty percent. Careful drivers tend to pay less for car insurance than bad drivers. Drivers who get dangerous violations like reckless driving, hit and run or driving under the influence might be required by their state to maintain a SR-22 with their state in order to legally drive a vehicle.
  • Alarms and GPS tracking lower premiums – Owning a car with anti-theft technology or alarm system can help lower your premiums. Theft deterrent systems like OnStar found on GM vehicles, advanced tracking like LoJack, and vehicle immobilization systems can help prevent car theft.
  • More than one policy can earn a discount – Some insurance companies will give discounts for people who carry more than one policy, otherwise known as a multi-policy discount. Even if you’re getting this discount you may still want to compare other insurance prices to help guarantee you have the best rates.There is a chance you can find a better deal by buying from different companies
  • Does auto insurance cost less for women? – Over the last 30 years, statistics show women are more cautious behind the wheel. That doesn’t necessarily mean that women are BETTER drivers than men. Females and males get in accidents at about the same rate, but the men cause more damage. Not only are claims higher, but men receive more costly citations such as reckless driving.
  • Be proud to be claim-free – Auto insurance companies provide cheaper rates to drivers who are not frequent claim filers. If you are a frequent claim filer, you can definitely plan on either a policy non-renewal or much higher rates. Your insurance policy is meant to be used in the event of claims that pose a financial burden.
  • Certain employers raise car insurance rates – Jobs like lawyers, business owners and accountants are shown to have higher rates than average attributed to stressful work requirements and long work days. Other professions such as professors, historians and the unemployed have the lowest average rates for Ninety-Eight insurance.
  • Save money by raising comp and collision deductibles – Physical damage protection, termed comprehensive and collision coverage on your policy, protects your Oldsmobile from damage. Some examples of claims that would be covered could be colliding with a building, hitting a deer, or theft. Comp and collision deductibles state the amount of money you are required to spend if a covered claim is submitted. The larger the amount you’re willing to pay, the lower your rates will be for Ninety-Eight insurance.

How to buy auto insurance online

All the larger auto insurance companies like Allstate and Progressive give coverage price quotes online. Getting quotes is pretty painless because you just enter into the form. Once you submit the form, the company’s rating system makes automated requests for your driving and credit reports and generates pricing information based on these and other factors. This makes comparing rates easy, but the time required to go to several different sites and fill out multiple forms can get tiresome after awhile. But it’s necessary to get many rate quotes in order to find better prices.

The preferred way to compare rates uses one form that analyzes rates from a lot of companies. This type of form saves time, eliminates form submissions, and makes quoting online much more enjoyable and efficient. After sending the form, it is rated and you can select your choice of the quotes that you receive. If one or more price quotes are lower than your current rates, you can simply submit the application and purchase the new policy. This process only takes a few minutes and could lower your rates considerably.

To quickly find out what other companies charge, simply click here to open in new window and enter your information. If you currently have coverage, we recommend you enter the coverage information identical to your current policy. This guarantees you will receive comparison quotes based on the exact same insurance coverage.

Do you really save 40% when you switch?

Consumers can’t get away from ads that promise big savings for switching by Allstate and Progressive. All the ads make the same claim about savings if you switch your coverage.

It sounds good, but how can they all charge lower premium rates?

Insurance companies quote the lowest rates for the type of driver that will add to their bottom line. A good example of this type of risk profile could possibly be between 30 and 50, has a clean driving record, and drives newer vehicles. A driver that hits that “sweet spot” will get a cheap rate quote and will probably save if they switch.

Consumers who fall outside those criteria may receive a higher premium with the end result being business going elsewhere. If you pay attention, the ads say “customers who switch” but not “everyone who gets a quote” can save as much as they claim. That’s the way insurance companies can advertise the way they do. Because of this risk profiling, it’s extremely important to do a price quote comparison at every renewal. It is impossible to guess with any certainty which company will fit you best based on your risk profile.

Discounts can really help to save

Insuring your fleet can be pricey, but you may find discounts to cut the cost considerably. Many discounts should be triggered when you quote, but less common discounts must be asked for in order for you to get them.

  • Discount for Low Mileage – Driving less could earn discounted premium rates on garaged vehicles.
  • Discounts for New Vehicles – Buying a new car instead of a used car can save you some money due to better safety requirements for new vehicles.
  • Government Employee Discount – Simply working for the federal government could provide a small rate reduction for Ninety-Eight insurance but check with your company.
  • ABS Brakes – Cars, trucks, and SUVs with ABS braking systems or traction control prevent accidents and qualify for as much as a 10% discount.
  • Professional Memberships – Joining a civic or occupational organization may earn a discount when shopping for insurance coverage.
  • Auto/Home Discount – If you insure your home and vehicles with one company you could get a discount of at least 10 to 15 percent or more.
  • 55 and Retired – Mature drivers may be able to get a slight reduction on a auto insurance quote for Ninety-Eight insurance.
  • Distant Student Discount – Children who live away from home to go to college and won’t have access to an insured vehicle may qualify for this discount.
  • Responsible Drivers – Drivers who avoid accidents can save up to 40% or more on their auto insurance quote for Ninety-Eight insurance compared to accident prone drivers.
  • Payment Method – If you can afford to pay the entire bill rather than paying in monthly installments you can avoid monthly service charges.

Discounts reduce rates, but you should keep in mind that many deductions do not apply to the entire cost. A few only apply to the price of certain insurance coverages like comp or med pay. Even though it appears all the discounts add up to a free policy, companies don’t profit that way.

A few of the larger companies and a selection of discounts include:

  • 21st Century has savings for theft prevention, teen driver, driver training, defensive driver, air bags, and student driver.
  • State Farm offers premium reductions for driver’s education, defensive driving training, good driver, Drive Safe & Save, Steer Clear safe driver discount, multiple autos, and anti-theft.
  • AAA may have discounts that include good student, education and occupation, good driver, multi-car, pay-in-full, multi-policy, and AAA membership discount.
  • Liberty Mutual has discounts for new move discount, preferred payment discount, new vehicle discount, multi-policy, safety features, hybrid vehicle, and good student.
  • Progressive may include discounts for multi-vehicle, good student, online quote discount, multi-policy, online signing, and homeowner.

Before buying, ask each company which discounts they offer. Discounts may not be available everywhere. If you would like to see a list of providers with the best discounts, click here to view.

Will just any policy work for me?

When buying the right insurance coverage, there really is no “perfect” insurance plan. Coverage needs to be tailored to your specific needs and your policy should reflect that. For instance, these questions may help highlight if you could use an agent’s help.

  • Am I covered if I wreck a rental car?
  • Does coverage extend to a rental car in a foreign country?
  • What is roadside assistance coverage?
  • Is business property covered if stolen from my car?
  • Am I covered when delivering products for my home-based business?
  • What is the ISO rating for a 1991 Oldsmobile Ninety-Eight?
  • Which companies will insure high-risk drivers?

If you’re not sure about those questions then you might want to talk to an agent. If you don’t have a local agent, simply complete this short form or click here for a list of insurance coverage companies in your area. It’s fast, doesn’t cost anything and may give you better protection.

Insurance coverage considerations

Knowing the specifics of your policy helps when choosing which coverages you need at the best deductibles and correct limits. The coverage terms in a policy can be impossible to understand and nobody wants to actually read their policy. Shown next are typical coverages offered by insurance companies.

Comprehensive insurance

Comprehensive insurance coverage pays for damage caused by mother nature, theft, vandalism and other events. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage protects against things like damage from getting keyed, hitting a bird and falling objects. The maximum amount you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle’s value is low consider dropping full coverage.

Coverage for uninsured or underinsured drivers

This gives you protection from other motorists when they either are underinsured or have no liability coverage at all. It can pay for medical payments for you and your occupants and damage to your Oldsmobile Ninety-Eight.

Because many people carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is a good idea.

Collision coverage protection

Collision coverage pays for damage to your Ninety-Eight resulting from colliding with an object or car. You will need to pay your deductible and then insurance will cover the remainder.

Collision can pay for claims like colliding with a tree, rolling your car and colliding with another moving vehicle. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are 8 years or older. You can also increase the deductible to bring the cost down.

Coverage for medical expenses

Medical payments and Personal Injury Protection insurance kick in for bills for things like prosthetic devices, funeral costs, pain medications, dental work and surgery. They are used to fill the gap from your health insurance program or if you do not have health coverage. Coverage applies to all vehicle occupants in addition to any family member struck as a pedestrian. Personal injury protection coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Auto liability

This coverage will cover damage or injury you incur to a person or their property. This insurance protects YOU against other people’s claims. Liability doesn’t cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. Your policy might show policy limits of 100/300/100 that translate to a $100,000 limit per person for injuries, a limit of $300,000 in injury protection per accident, and a total limit of $100,000 for damage to vehicles and property.

Liability coverage pays for things like bail bonds, funeral expenses, pain and suffering, loss of income and emergency aid. The amount of liability coverage you purchase is a personal decision, but buy higher limits if possible.

The bottom line

Some auto insurance companies may not offer the ability to get a quote online and these regional carriers work with independent insurance agents. Cheaper 1991 Oldsmobile Ninety-Eight insurance is definitely available online as well as from insurance agents, and you need to comparison shop both in order to have the best price selection to choose from.

Throughout this article, we presented many tips how you can lower your 1991 Oldsmobile Ninety-Eight insurance rates. The key concept to understand is the more quotes you get, the higher the chance of saving money. You may even discover the best rates are with a smaller regional carrier. These smaller insurers may cover specific market segments cheaper as compared to the big name companies such as Progressive or GEICO.

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