View 1996 Oldsmobile Eighty-Eight Car Insurance Quotes

Trying to find cheaper auto insurance rates for your Oldsmobile Eighty-Eight? If you are new to getting car insurance quotes online, it’s easy to get overwhelmed by the confusing number insurance agents and companies offering insurance.

Finding the best rates is easy if you know what you’re doing. Just about everyone who is required by state law to have insurance coverage most likely will be able to lower their premiums. But car owners need to learn how the larger insurance companies price insurance differently because it can help you find the best coverage.

Get lower-cost rates with these car insurance discounts

Some insurance providers do not advertise every discount in an easy-to-find place, so the next list breaks down a few of the more common as well as the least known discounts that may be available.

  • Paper-free Discount – Many insurance companies will give you a small discount for signing up digitally online.
  • Low Mileage Discounts – Keeping the miles down on your Oldsmobile can qualify you for better prices on cars that stay parked.
  • One Accident Forgiven – This isn’t a discount exactly, but companies like Progressive and Allstate permit an accident before they charge you more for coverage so long as you are claim-free prior to the accident.
  • Payment Discounts – If you can afford to pay the entire bill rather than spreading payments over time you could save 5% or more.
  • Distant Student – Any of your kids who live away from home to go to college and leave their car at home can be insured at a reduced rate.

We need to note that most discount credits are not given to the entire policy premium. Most only reduce individual premiums such as liability, collision or medical payments. So even though you would think all the discounts add up to a free policy, that’s just not realistic.

The best car insurance companies and some of the premium reductions they offer are detailed below.

  • Mercury Insurance offers premium reductions for age of vehicle, anti-theft, multi-policy, accident-free, and good student.
  • Farmers Insurance may offer discounts for distant student, homeowner, electronic funds transfer, good student, and early shopping.
  • Farm Bureau includes discounts for multi-vehicle, 55 and retired, renewal discount, multi-policy, good student, youthful driver, and driver training.
  • State Farm may have discounts that include Steer Clear safe driver discount, anti-theft, passive restraint, multiple policy, and good driver.
  • Allstate offers discounts for FullPay discount, multi-policy, auto/life discount, defensive driver, anti-theft, and EZ pay plan discount.
  • GEICO offers discounts including five-year accident-free, federal employee, defensive driver, military active duty, driver training, emergency military deployment, and daytime running lights.

When getting free car insurance quotes, it’s a good idea to each company or agent which discounts you may be entitled to. A few discounts might not be offered in your area. To locate insurers that offer discounts, click here.

Lower your insurance rates

Multiple criteria are used in the calculation when quoting car insurance. Some of the criteria are obvious such as your driving history, but others are more transparent such as your marital status or how financially stable you are.An important part of buying insurance is that you know the rating factors that come into play when calculating the price you pay for auto insurance. If you understand what determines premiums, this helps enable you to make changes that will entitle you to cheaper rates.

The itemized list below are some of the most common factors that factor into your rate level.

  • You might want pay the minor policy claims yourself – Auto insurance companies provide the lowest premiums to people who do not rely on their insurance for small claims. If you file claims often, you can definitely plan on higher rates. Insurance coverage is intended for claims that pose a financial burden.
  • Don’t skimp on liability protection – Your auto insurance policy’s liability coverage kicks in in the event that you are found liable for an accident. It will provide you with a defense in court which can cost thousands of dollars. Liability is cheap when compared to the cost of physical damage coverage, so buy as much as you can afford.
  • Safer vehicles means cheaper premiums – Cars with high safety ratings can get you lower premiums. Vehicles built for safety reduce occupant injuries and lower rates of occupant injuries means your insurance company pays less and cheaper rates on your policy.
  • Only buy what you need – Policies have extra add-on coverages that can add up on your auto insurance policy. Things like roadside assistance, towing coverage, and extra life insurance coverage may not be needed and are just wasting money. The coverages may be enticing when buying your policy, but your needs may have changed so eliminate them to save money.
  • Pay more out-of-pocket – Physical damage coverage, also called ‘full coverage’, protects your Oldsmobile from damage. A few examples of covered claims could be a dented fender, hitting a deer, or theft. Deductibles for physical damage tell how much you are required to spend before a claim is paid by your company. The more expense you’re willing to pay, the less money you will pay for auto insurance for Eighty-Eight insurance.
  • Lower rates with a multi-policy discount – Many insurers allow discounts to policyholders that purchase more than one policy. It’s known as a multi-policy discount. If you currently are using one company, it’s in your best interest to compare other company rates to verify if the discount is saving money.
  • Men pay higher costs – Statistics show women are more cautious behind the wheel. Now that doesn’t mean men are WORSE drivers than women. Men and women are responsible for auto accidents in similar percentages, but males tend to have more serious accidents. They also receive more costly citations such as reckless driving.
  • Annual mileage impacts rates – The more you drive your Oldsmobile every year the higher your rates will be. A lot of companies price each vehicle’s coverage based on their usage. Autos not used for work or commuting get more affordable rates than cars that get driven a lot. It’s always a good idea to double check that your auto insurance declarations sheet correctly shows the correct driver usage. Having an incorrect usage rating on your Eighty-Eight may be wasting your money.

Insurance can get complicated

When it comes to choosing adequate coverage, there isn’t really a cookie cutter policy. Everyone’s situation is unique.

Here are some questions about coverages that might help in determining if your situation would benefit from an agent’s advice.

  • Do I get a pro-rated refund if I cancel my policy early?
  • Can I drive in Mexico and have coverage?
  • Is my business laptop covered if it gets stolen from my vehicle?
  • Does coverage extend to my business vehicle?
  • How much liability insurance is required?
  • At what point should I drop full coverage?
  • Are my friends covered when driving my car?
  • Do I need medical payments coverage since I have good health insurance?
  • Is my teen driver covered when they drive my company car?

If you don’t know the answers to these questions but you know they apply to you, then you may want to think about talking to a licensed insurance agent. If you don’t have a local agent, fill out this quick form.

Auto insurance coverage information

Learning about specific coverages of your insurance policy can be of help when determining the right coverages for your vehicles. Policy terminology can be ambiguous and nobody wants to actually read their policy.

Comprehensive auto coverage

Comprehensive insurance will pay to fix damage OTHER than collision with another vehicle or object. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive insurance covers things like hitting a deer, a tree branch falling on your vehicle and damage from a tornado or hurricane. The maximum amount your insurance company will pay is the cash value of the vehicle, so if the vehicle is not worth much consider dropping full coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Uninsured or Underinsured Motorist coverage provides protection when the “other guys” are uninsured or don’t have enough coverage. It can pay for injuries to you and your family and also any damage incurred to your Oldsmobile Eighty-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.

Collision coverage protection

Collision coverage pays for damage to your Eighty-Eight from colliding with an object or car. A deductible applies and then insurance will cover the remainder.

Collision can pay for claims such as hitting a parking meter, backing into a parked car, scraping a guard rail and damaging your car on a curb. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are older. Another option is to bump up the deductible to get cheaper collision coverage.

Medical payments and PIP coverage

Coverage for medical payments and/or PIP provide coverage for immediate expenses for things like hospital visits, X-ray expenses, EMT expenses and dental work. They are used to fill the gap from your health insurance policy or if there is no health insurance coverage. It covers you and your occupants and also covers getting struck while a pedestrian. Personal injury protection coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Liability

Liability insurance will cover damages or injuries you inflict on people or other property by causing an accident. It protects YOU against claims from other people, and doesn’t cover your injuries or vehicle damage.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see values of 100/300/100 that means you have a limit of $100,000 per injured person, a total of $300,000 of bodily injury coverage per accident, and $100,000 of coverage for damaged propery.

Liability insurance covers things such as bail bonds, structural damage, repair costs for stationary objects, repair bills for other people’s vehicles and funeral expenses. How much liability should you purchase? That is your choice, but you should buy as high a limit as you can afford.

Be a smart shopper

We’ve covered many tips how you can reduce 1996 Oldsmobile Eighty-Eight insurance prices online. The key thing to remember is the more you quote car insurance, the better your chances of lowering your rates. Drivers may discover the lowest priced insurance comes from a smaller regional carrier.

When buying insurance coverage, don’t be tempted to buy poor coverage just to save money. In many instances, an insured dropped liability coverage limits and found out when filing a claim that they should have had better coverage. Your goal is to purchase a proper amount of coverage at a price you can afford, but do not skimp to save money.

People switch companies for a number of reasons such as delays in responding to claim requests, high rates after DUI convictions, not issuing a premium refund and policy cancellation. Regardless of your reason for switching companies, choosing a new insurance company is actually quite simple.

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