Cheaper 1992 Oldsmobile Ninety-Eight Insurance Quotes

Trying to find the cheapest insurance rates for your Oldsmobile Ninety-Eight? Searching for the cheapest insurance for an Oldsmobile Ninety-Eight can be a lot of work, but you can use these tips to find lower rates.

There is a better way to buy insurance so we’re going to tell you the proper way to price shop coverage for a Oldsmobile and get the lowest possible price from local insurance agents and online providers.

Insurance coverage discounts are available to lower your rates

Companies offering auto insurance don’t always list every possible discount in a way that’s easy to find, so the below list has both the well known as well as some of the hidden discounts that you may qualify for.

  • Discounts for Responsible Drivers – Drivers without accidents may receive a discount up to 45% for Ninety-Eight coverage than less cautious drivers.
  • Active Military Service – Being on active duty in the military may qualify for rate reductions.
  • Air Bag Discount – Cars that have air bags or automatic seat belts can get savings of up to 25% or more.
  • ABS Braking Discount – Cars that have steering control and anti-lock brakes can stop better under adverse conditions and therefore earn up to a 10% discount.
  • Resident Student – Older children who are attending college and do not take a car to college may be able to be covered for less.
  • Early Switch Discount – Some larger companies give discounts for switching companies before your current coverage expires. You can save around 10% with this discount.

Discounts save money, but please remember that most discount credits are not given the the whole policy. Most only apply to specific coverage prices like liability, collision or medical payments. Just because it seems like it’s possible to get free car insurance, you won’t be that lucky. Any amount of discount will definitely reduce the amount you pay for coverage.

Popular insurance coverage companies and some of the premium reductions they offer are shown below.

  • State Farm offers discounts for driver’s education, multiple policy, good driver, multiple autos, anti-theft, and Drive Safe & Save.
  • GEICO policyholders can earn discounts including anti-theft, driver training, seat belt use, defensive driver, anti-lock brakes, five-year accident-free, and multi-vehicle.
  • Allstate offers discounts including resident student, passive restraint, defensive driver, anti-theft, anti-lock brakes, and new car.
  • SAFECO includes discounts for accident prevention training, safe driver, bundle discounts, drive less, and teen safety rewards.
  • Farm Bureau may offer discounts for multi-vehicle, renewal discount, multi-policy, driver training, safe driver, youthful driver, and 55 and retired.
  • Progressive has savings for continuous coverage, multi-policy, homeowner, online signing, and multi-vehicle.
  • AAA has discounts for good driver, multi-car, education and occupation, pay-in-full, anti-theft, AAA membership discount, and multi-policy.

Before you buy a policy, ask every company how many discounts you can get. Some credits may not be available in every state.

Everyone needs different insurance coverages

When buying proper insurance coverage for your vehicles, there isn’t really a single plan that fits everyone. Every situation is different.

These are some specific questions may help you determine if your insurance needs might need an agent’s assistance.

  • Are my tools covered if they get stolen from my vehicle?
  • I have health insurance so do I need medical payments coverage?
  • How many claims can I have before being cancelled?
  • Do I really need UM/UIM coverage?
  • Am I covered when driving on a suspended license?
  • Can I afford low physical damage deductibles?
  • Who is covered when they drive my 1992 Oldsmobile Ninety-Eight?

If you don’t know the answers to these questions but a few of them apply, then you may want to think about talking to an agent. If you want to speak to an agent in your area, fill out this quick form. It’s fast, free and you can get the answers you need.

Insurance coverage companies are expert advertisers

Consumers can’t avoid all the ads that promise big savings from the likes of State Farm, Allstate and GEICO. They all advertise the message that drivers will save a bundle if you just switch to them.

How can each company make almost identical claims? Here is the trick they use.

All the different companies have a certain “appetite” for the type of driver they prefer to insure. An example of a desirable risk may be between the ages of 40 and 55, insures multiple vehicles, and chooses high deductibles. Any customer that fits those parameters will most likely get cheap premium rates and will probably cut their rates substantially.

Potential insureds who fall outside those standards will see higher prices and the customer not purchasing. The wording the ads use say “drivers who switch” not “everybody who quotes” save that much money. That is how insurance companies can advertise the savings.

This really illustrates why you need to get a wide range of price quotes. It is just not possible to predict which insurance coverage company will be your best fit.

Coverage specifics

Understanding the coverages of your insurance policy aids in choosing the right coverages and the correct deductibles and limits. The coverage terms in a policy can be confusing and nobody wants to actually read their policy.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance covers damage from a wide range of events other than collision. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims like damage from a tornado or hurricane, hail damage, theft, hitting a bird and damage from getting keyed. The most a insurance company will pay at claim time is the actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Uninsured Motorist or Underinsured Motorist insurance

This coverage provides protection when the “other guys” are uninsured or don’t have enough coverage. Covered claims include hospital bills for your injuries and also any damage incurred to your Oldsmobile Ninety-Eight.

Due to the fact that many drivers have only the minimum liability required by law, their limits can quickly be used up. So UM/UIM coverage is a good idea. Frequently your uninsured/underinsured motorist coverages are set the same as your liablity limits.

Liability car insurance

Liability coverage protects you from injuries or damage you cause to other’s property or people by causing an accident. 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 for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have policy limits of 50/100/50 that translate to $50,000 bodily injury coverage, a limit of $100,000 in injury protection per accident, and $50,000 of coverage for damaged propery. Another option is one limit called combined single limit (CSL) that pays claims from the same limit rather than limiting it on a per person basis.

Liability coverage protects against things like structural damage, legal defense fees, repair bills for other people’s vehicles and court costs. How much coverage you buy is a personal decision, but you should buy higher limits if possible.

Insurance for medical payments

Med pay and PIP coverage provide coverage for immediate expenses like hospital visits, ambulance fees and X-ray expenses. The coverages can be used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. Coverage applies to not only the driver but also the vehicle occupants in addition to getting struck while a pedestrian. Personal Injury Protection is not an option in every state but it provides additional coverages not offered by medical payments coverage

Collision coverage protection

This coverage will pay to fix damage to your Ninety-Eight resulting from a collision with another vehicle or an object, but not an animal. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims like scraping a guard rail, hitting a parking meter and colliding with a tree. Collision is rather expensive coverage, so consider removing coverage from lower value vehicles. Drivers also have the option to bump up the deductible in order to get cheaper collision rates.

Smart consumers save more

When searching for inexpensive car insurance quotes, you should never reduce needed coverages to save money. There are a lot of situations where someone dropped uninsured motorist or liability limits only to regret at claim time that a couple dollars of savings turned into a financial nightmare. The goal is to purchase a proper amount of coverage at an affordable rate, but don’t skip important coverages to save money.

Drivers switch companies for a variety of reasons including being labeled a high risk driver, lack of trust in their agent, high prices or delays in paying claims. Whatever your reason, finding a great new company can be pretty painless.

There are still a few companies who may not provide the ability to get a quote online and most of the time these small insurance companies provide coverage only through independent agents. Affordable 1992 Oldsmobile Ninety-Eight insurance is possible both online as well as from insurance agents, so you should be comparing quotes from both in order to have the best chance of saving money.

Additional information can be read on the following sites: