Cheap 1993 Oldsmobile Ninety-Eight Car Insurance Quotes

Looking for better insurance coverage rates for your Oldsmobile Ninety-Eight? Purchasing lower-cost insurance coverage is somewhat difficult for beginners to comparing rates and buying insurance coverage online. With so many options of insurance companies available, how can you have a chance to compare every one to find cheaper insurance coverage rates?

Why your insurance premiums might be higher

Lots of things are used in the calculation when you quote your car insurance policy. Some factors are common sense such as traffic violations, but other factors are not quite as obvious such as your marital status and annual miles driven.

  • Rental and towing coverage may not be needed – Insurance policies have a lot of extra add-on coverages you can purchase if you don’t pay attention. Coverages like replacement cost coverage, high-cost glass coverage, and Farm Bureau memberships may be costing you every month. They may seem good when buying your policy, but your needs may have changed so remove them from your policy.
  • Car plus home equals more savings – Most larger insurers afford better rates to insureds who carry more than one policy. It’s known as a multi-policy discount. Even if you already get this discount, it’s in your best interest to compare other company rates to verify if the discount is saving money.
  • Your employer may affect insurance rates – Did you know your occupation can influence how much you pay for insurance? Occupations such as judgesair traffic controllers and miners are shown to have the highest average rates because of intense work-related stress and lots of time spent at work. On the flip side, professions such as farmers, students and performers generally pay rates lower than average for Ninety-Eight coverage.
  • Safer vehicles that lower rates – Choosing a vehicle with a theft deterrent system can earn a premium discount. Anti-theft devices such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all aid in stopping vehicle theft.
  • Long commutes cost more – The higher the mileage driven annually the more you will pay for insurance. A lot of companies calculate rates based upon how you use the vehicle. Cars and trucks used primarily for pleasure use receive better premium rates than vehicles that are driven to work every day. It’s a smart idea to ensure your declarations sheet is showing the correct usage, because improper ratings can cost you money. Having an incorrect usage rating on your Ninety-Eight is just wasting money.

Take policy discounts and save

Companies don’t list all possible discounts very clearly, so the following list contains a few of the more common and also the more inconspicuous credits that you can use to lower your rates.

  • Early Signing – Some auto insurance companies provide a discount for signing up prior to your current policy expiring. Ten percent is about the average savings.
  • Smart Student Discounts – A discount for being a good student may save you up to 25%. Most companies allow this discount well after school through age 25.
  • Claim Free – Drivers with accident-free driving histories are rewarded with significantly better rates on car insurance quote as compared to policyholders that have many claims.
  • Distant Student Discount – College-age children who live away from home to go to college and leave their car at home may qualify for this discount.
  • Defensive Driver Discounts – Taking part in a course in defensive driver could earn you a small percentage discount if your company offers it.
  • Theft Prevention Discount – Vehicles that have factory alarm systems and tracking devices are stolen less frequently and earn discounts up to 10% off your car insurance quote.
  • Data Collection Discounts – Insureds that choose to allow their auto insurance company to look at driving manner by using a telematics device in their vehicle such as Drivewise from Allstate or Snapshot from Progressive could possibly reduce rates if they have good driving habits.
  • Passive Restraint Discount – Factory options such as air bags could see savings of up to 25% or more.

It’s important to note that most discounts do not apply to the entire cost. Most only apply to specific coverage prices like liability and collision coverage. Even though it may seem like it’s possible to get free car insurance, companies wouldn’t make money that way.

Larger auto insurance companies and their offered discounts can be read below.

  • GEICO offers discounts for five-year accident-free, driver training, membership and employees, anti-lock brakes, federal employee, multi-policy, and military active duty.
  • Travelers may include discounts for IntelliDrive, new car, payment discounts, hybrid/electric vehicle, multi-policy, and driver training.
  • Nationwide includes discounts for good student, business or organization, family plan, defensive driving, multi-policy, accident-free, and easy pay.
  • Farmers Insurance has savings for switch companies, electronic funds transfer, alternative fuel, bundle discounts, early shopping, teen driver, and youthful driver.
  • Esurance may have discounts that include emergency road assistance, good student, online quote, homeowner, good driver, paid-in-full, and safety device.
  • State Farm policyholders can earn discounts including accident-free, passive restraint, Drive Safe & Save, multiple autos, and good student.
  • Progressive offers premium reductions for good student, multi-vehicle, homeowner, online quote discount, multi-policy, online signing, and continuous coverage.
  • Mercury Insurance discounts include multi-policy, accident-free, location of vehicle, annual mileage, and age of vehicle.

When getting a coverage quote, ask each company or agent which discounts you qualify for. A few discounts may not be available in your area. If you would like to choose from a list of insurance companies who offer cheap auto insurance quotes, follow this link.

Save $428 a year? Really?

Popular insurance providers such as Progressive, GEICO, Allstate and State Farm continually stream television, radio, and online ads. All the ads make the same claim that people will save if you change your policy. How does every insurance company save you money? It’s all in the numbers.

Different companies are able to cherry pick for the type of driver that will be a good risk. For instance, a preferred risk may be over the age of 35, carries high limits, and has a short commute. Someone who matches those parameters will probably get the lowest rates and will most likely save when switching.

People who do not fit this stringent profile will get more expensive rates which results in the prospect going elsewhere. If you pay close attention to the ads, they say “people that switch” not “everybody who quotes” save that much money. That’s the way insurance companies can confidently make the claims of big savings. Because each company has a different risk profile, you really need to compare price quotes frequently. It is impossible to guess which insurance company will have the lowest rates.

Which policy gives me the best coverage?

When it comes to buying coverage, there really is not a one size fits all plan. Every insured’s situation is different.

Here are some questions about coverages that can help discover if your insurance needs will benefit from professional help.

  • How high should my medical payments coverage be?
  • Should I get collision insurance on every vehicle?
  • Is my 1993 Oldsmobile Ninety-Eight covered for smoke damage?
  • Are my friends covered when driving my car?
  • Am I covered when driving a rental car?
  • Is borrowed equipment or tools covered if stolen or damaged?
  • Will filing a claim cost me more?
  • What can I do if my company won’t pay a claim?
  • Where can I find DUI or SR-22 insurance?

If you don’t know the answers to these questions, then you may want to think about talking to a licensed agent. To find lower rates from a local agent, fill out this quick form.

The coverage is in the details

Learning about specific coverages of your policy helps when choosing which coverages you need at the best deductibles and correct limits. Insurance terms can be impossible to understand and reading a policy is terribly boring.

Comprehensive (Other than Collision)

This coverage covers damage that is not covered by collision coverage. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims such as hitting a bird, hitting a deer, damage from flooding, damage from a tornado or hurricane and vandalism. The maximum amount a insurance company will pay at claim time is the market value of your vehicle, so if the vehicle is not worth much consider dropping full coverage.

Liability coverage

This can cover damage that occurs to a person or their property that is your fault. It protects YOU against claims from other people, and does not provide coverage for damage to your own property or vehicle.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have policy limits of 100/300/100 which stand for a $100,000 limit per person for injuries, a total of $300,000 of bodily injury coverage per accident, and a total limit of $100,000 for damage to vehicles and property.

Liability insurance covers things like repair costs for stationary objects, legal defense fees, loss of income, repair bills for other people’s vehicles and funeral expenses. How much liability coverage do you need? That is up to you, but you should buy as large an amount as possible.

Medical expense insurance

Med pay and PIP coverage pay for bills for EMT expenses, ambulance fees, funeral costs and X-ray expenses. They are often used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover all vehicle occupants and will also cover being hit by a car walking across the street. PIP is not available in all states but it provides additional coverages not offered by medical payments coverage

Coverage for collisions

Collision insurance pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. A deductible applies then your collision coverage will kick in.

Collision coverage protects against things like sustaining damage from a pot hole, sideswiping another vehicle and rolling your car. Collision is rather expensive coverage, so consider dropping it from vehicles that are older. It’s also possible to choose a higher deductible to save money on collision insurance.

Protection from uninsured/underinsured drivers

This coverage gives you protection from other drivers when they are uninsured or don’t have enough coverage. Covered losses include medical payments for you and your occupants and damage to your 1993 Oldsmobile Ninety-Eight.

Because many people only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage should not be overlooked.

Knowledge is power

Low-cost 1993 Oldsmobile Ninety-Eight insurance is available on the web and with local insurance agents, so you should be comparing quotes from both to have the best selection. Some insurance companies may not provide the ability to get quotes online and usually these smaller providers only sell through independent agencies.

Drivers who switch companies do it for many reasons like extreme rates for teen drivers, denial of a claim, an unsatisfactory settlement offer and questionable increases in premium. It doesn’t matter what your reason, finding a new company is pretty easy and you might even save some money in the process.

Throughout this article, we presented a lot of techniques to compare 1993 Oldsmobile Ninety-Eight insurance rates online. The key thing to remember is the more rate comparisons you have, the more likely it is that you will get a better rate. Consumers could even find that the lowest rates are with a small local company.

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