Lower Your 1995 Oldsmobile Ninety-Eight Insurance Rates

Finding low cost premium rates for Driversinsurance coverage is always difficult for people not familiar with online rate comparisons. With literally dozens of companies, it can easily become a challenge to find more affordable premium rates.

If you have car insurance now, you stand a good chance to be able to save some money using this strategy. The purpose of this post is to introduce you to how to get online quotes and some tips to save money. Nevertheless, car owners do need to learn how big insurance companies sell insurance online and take advantage of how the system works.

You may qualify for discounts

Some insurers do not advertise all disounts in a way that’s easy to find, so the list below gives a summary of both well-publicized and the harder-to-find credits available to bring down your rates.

  • Discounts for Government Workers – Employees or retirees of the government can earn a discount up to 10% on Ninety-Eight insurance with some insurance companies.
  • Organization Discounts – Being in a qualifying organization could earn you a nice discount on your next renewal.
  • Anti-theft Discount – Cars that have factory anti-theft systems are stolen less frequently and that can save you a little bit as well.
  • No Claim Discounts – Good drivers with no accidents have much lower rates when compared with bad drivers.
  • Full Payment Discount – If you pay your bill all at once instead of paying each month you may have a lower total premium amount.
  • Anti-lock Brakes – Vehicles with ABS and/or traction control can reduce accidents and qualify for as much as a 10% discount.
  • Accident Forgiveness – This isn’t a discount exactly, but some companies like Liberty Mutual and GEICO will turn a blind eye to one accident without getting socked with a rate hike with the catch being you have to be claim-free before the accident.
  • Drivers Ed for Students – Cut your cost by having your teen driver sucessfully take a drivers education course if offered at their school.
  • College Student Discount – Older children who live away from home at college and do not have a car may be able to be covered for less.
  • Discounts for Multiple Vehicles – Buying insurance for multiple cars or trucks with one company can reduce the rates for all insured vehicles.

As is typical with insurance, most discount credits are not given to the entire cost. Most cut specific coverage prices like comp or med pay. So when the math indicates you can get free auto insurance, you won’t be that lucky.

Some companies that possibly offer most of the discounts above are:

Before you buy a policy, ask every prospective company which discounts can lower your rates. Some of the discounts discussed earlier may not be available in your area. If you would like to view providers that can offer you the previously mentioned discounts, follow this link.

Cheap insurance price quotes

There are several ways to shop for insurance, but one way is more efficient than others. You could waste a few hours driving to insurance companies in your area, or you can stay home and use online quoting to get rate comparisons in just a few minutes.

Most of the best insurance companies enroll in a system where insurance shoppers enter their policy data once, and every company can give them a price based on that data. This eliminates the need for repetitive form submissions for each company you want a rate for. To participate in this free quote system, click here to start a free quote.

The only drawback to using this type of system is you are unable to specify the companies to receive prices from. If you would rather choose from a list of companies for rate comparison, we have a page of the cheapest insurance companies in your area. View list of insurance companies.

Compare rates however you want, just do your best to enter apples-to-apples information for each price quote. If you enter different values for each quote it will be next to impossible to determine which company has the best rates. Having just a slight variation in insurance coverages or limits may cause a big price difference. And when quoting insurance, remember that more quotes gives you a better chance of getting a lower rate. Some regional insurers cannot provide online rate quotes, so it’s necessary to compare price estimates from the smaller companies as well.

There’s no such thing as the perfect insurance coverage policy

When it comes to buying the best insurance coverage coverage, there really is no single plan that fits everyone. Everyone’s situation is a little different.

For instance, these questions may help you determine whether you would benefit from an agent’s advice.

  • Do I have coverage when pulling a U-Haul trailer?
  • Does my car insurance cover rental cars?
  • What companies insure drivers after a DUI or DWI?
  • Should I bundle my homeowners policy with my auto?
  • What is no-fault insurance?
  • Do I pay less for low miles?
  • Does my policy cover me when driving someone else’s vehicle?
  • What is the ISO rating for a 1995 Oldsmobile Ninety-Eight?
  • When should I drop full coverage on my 1995 Oldsmobile Ninety-Eight?
  • Does my policy pay for OEM or aftermarket parts?

If it’s difficult to answer those questions but you know they apply to you, then you may want to think about talking to an agent. If you don’t have a local agent, fill out this quick form.

Coverages available on your policy

Knowing the specifics of your policy aids in choosing the best coverages and proper limits and deductibles. The coverage terms in a policy can be confusing and reading a policy is terribly boring.

Coverage for liability – Liability insurance will cover damage that occurs to a person or their property that is your fault. This coverage protects you against other people’s claims. Liability doesn’t cover your injuries or vehicle damage.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show policy limits of 25/50/25 that translate to a limit of $25,000 per injured person, a limit of $50,000 in injury protection per accident, and a total limit of $25,000 for damage to vehicles and property.

Liability insurance covers things like funeral expenses, pain and suffering and legal defense fees. How much coverage you buy is your choice, but consider buying higher limits if possible.

Comprehensive coverage – This coverage pays for damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims such as theft, a tree branch falling on your vehicle, damage from a tornado or hurricane, hail damage and falling objects. The maximum amount your auto insurance company will pay is the actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Medical payments coverage and PIP – Coverage for medical payments and/or PIP pay for bills for things like nursing services, EMT expenses and ambulance fees. They are often utilized in addition to your health insurance policy or if you do not have health coverage. Coverage applies to both the driver and occupants in addition to if you are hit as a while walking down the street. Personal Injury Protection is not available in all states but can be used in place of medical payments coverage

Uninsured/Underinsured Motorist coverage – This gives you protection when other motorists either are underinsured or have no liability coverage at all. Covered losses include injuries sustained by your vehicle’s occupants as well as damage to your Oldsmobile Ninety-Eight.

Since a lot of drivers only carry the minimum required liability limits, their limits can quickly be used up. So UM/UIM coverage is very important.

Collision coverages – This coverage pays to fix your vehicle from damage resulting from a collision with an object or car. A deductible applies then the remaining damage will be paid by your insurance company.

Collision can pay for claims such as hitting a parking meter, colliding with another moving vehicle and damaging your car on a curb. This coverage can be expensive, so you might think about dropping it from vehicles that are older. Drivers also have the option to choose a higher deductible to bring the cost down.

One last thing about your coverage

You just learned a lot of ways to compare 1995 Oldsmobile Ninety-Eight insurance car insurance rates online. The most important thing to understand is the more price quotes you have, the better your chances of lowering your premium rates. You may be surprised to find that the biggest savings come from a lesser-known regional company.

Lower-priced 1995 Oldsmobile Ninety-Eight insurance is definitely available on the web and with local insurance agents, and you need to price shop both in order to have the best price selection to choose from. Some insurance providers may not offer online quoting and many times these small, regional companies provide coverage only through independent insurance agents.

When buying insurance coverage, never buy less coverage just to save a little money. There have been many situations where someone sacrificed full coverage only to discover later that the small savings ended up costing them much more. Your goal should be to buy enough coverage at the best possible price, but don’t skip important coverages to save money.

Much more information about insurance coverage can be read below: