How Much Does 1996 Oldsmobile Ninety-Eight Car Insurance Cost?

Finding cheaper premium rates for car insurance can seem to be hard for people new to quoting coverage prices online. People have so many different companies and agents to choose from that it can quickly become a real difficult job to find the best price.

Consumers need to check car insurance prices once or twice a year due to the fact that insurance prices change regularly. Even if you think you had the best price for Ninety-Eight insurance last year the chances are good that you can find a lower rate quote today. Ignore everything you know about car insurance because I’m going to teach you the tricks you need to know to save money, get proper coverage and the best rates.

Do you qualify for discounts?

Insuring your fleet can be pricey, but there are discounts available that can dramatically reduce your bill. Certain reductions will be credited at the time you complete a quote, but a few must be manually applied prior to receiving the credit. If you do not double check each discount possible, you’re just leaving money on the table.

  • Drive Less and Save – Fewer annual miles on your Oldsmobile can earn substantially lower prices.
  • Paperless Signup – Some insurance companies will discount your bill up to fifty bucks just for signing your application on their website.
  • Discounts for Seat Belt Usage – Buckling up and requiring all passengers to buckle up before driving can save a little off the personal injury premium cost.
  • Data Collection Discounts – Drivers that enable companies to track driving patterns by using a telematics device such as Progressive’s Snapshot might see lower rates if their driving habits are good.
  • Federal Government Employee – Active or retired federal employment may reduce rates when you quote auto insurance for Ninety-Eight insurance with certain companies.
  • Multi-policy Discount – If you can combine your homeowners and auto policy with the same company you could get a discount of up to 20% and get you inexpensive auto insurance.
  • Discount for Swiching Early – A few larger companies give discounts for buying a policy prior to your current policy expiration. Ten percent is about the average savings.
  • One Accident Forgiven – Not necessarily a discount, but companies like State Farm and GEICO will allow you to have one accident before they charge you more for coverage so long as you haven’t had any claims for a particular time prior to the accident.
  • Theft Deterent System – Vehicles that have factory alarm systems and tracking devices are less likely to be stolen and qualify for as much as a 10% discount.

Don’t be surprised that most discount credits are not given to the overall cost of the policy. A few only apply to the price of certain insurance coverages like liability and collision coverage. Despite the appearance that adding up those discounts means a free policy, company stockholders wouldn’t be very happy.

A few companies who might offer these benefits include:

Double check with each insurance company which discounts you may be entitled to. Some discounts may not apply to policies in your area. If you would like to choose from a list of companies who offer free auto insurance quotes, click here to view.

Educated choices result in lower insurance prices

An important part of buying insurance is that you know the rating factors that help determine your policy premiums. If you know what influences your rates, this allows you to make educated decisions that can earn you cheaper rates.

  • Pleasure use saves money – Driving a lot of miles each year the more it will cost to insure it. Most insurance companies price each vehicle’s coverage based upon how the vehicle is primarily used. Autos that have low annual miles can get a lower rate than those used for commuting. It’s a smart idea to ensure your insurance coverage policy is showing how each vehicle is driven, because it can save money. Incorrect rating for your Ninety-Eight may be costing you higher rates.
  • City traffic equals higher prices – Living in a rural area has definite advantages when buying insurance coverage. Drivers in populated areas regularly have more road rage incidents and longer commute times. Fewer drivers means fewer accidents in addition to fewer liability claims.
  • Men drivers tend to cost more – Over time, data shows that females take fewer risks when driving. Now that doesn’t mean women are better drivers. Females and males tend to get into fender benders in similar percentages, but men have accidents that have higher claims. Not only are claims higher, but men have more aggressive citations like DUI and reckless driving.
  • Vehicle options impact insurance coverage rates – Purchasing a vehicle with a theft deterrent system can help lower your premiums. Anti-theft features like vehicle immobilizer systems, OnStar, and tracking devices like LoJack can thwart vehicle theft.
  • Don’t skimp on liability protection – Your policy’s liability coverage will provide protection in the event that you are responsible for an accident. Liability insurance provides you with a defense in court which can cost thousands of dollars. This coverage is very inexpensive as compared to coverage for physical damage, so drivers should make sure they buy enough to cover all assets.

Don’t assume everyone needs the same insurance coverage coverage

When it comes to choosing proper insurance coverage, there really is not a “perfect” insurance plan. Everyone’s needs are different.

Here are some questions about coverages that might help in determining if your insurance needs will benefit from professional help.

  • Am I covered if hit by an uninsured driver?
  • Will my insurance pay for OEM parts?
  • What is the ISO rating for a 1996 Oldsmobile Ninety-Eight?
  • Who is covered by my policy?
  • If my pet gets injured in an accident are they covered?
  • Do I have coverage when using my vehicle for my home business?
  • Do I need rental car coverage?
  • Can I afford to buy a different vehicle if my 1996 Oldsmobile Ninety-Eight is totaled?
  • When should I remove comp and collision on my 1996 Oldsmobile Ninety-Eight?

If you don’t know the answers to these questions but you know they apply to you, you may need to chat with an insurance agent. If you want to speak to an agent in your area, fill out this quick form.

Information about specific coverages

Learning about specific coverages of your policy aids in choosing the best coverages and the correct deductibles and limits. The coverage terms in a policy can be ambiguous and coverage can change by endorsement.

Collision insurance

Collision coverage covers damage to your Ninety-Eight caused by collision with a stationary object or other vehicle. A deductible applies then your collision coverage will kick in.

Collision coverage pays for claims like damaging your car on a curb, hitting a parking meter and rolling your car. Collision coverage makes up a good portion of your premium, so you might think about dropping it from lower value vehicles. Drivers also have the option to choose a higher deductible to bring the cost down.

Liability

Liability insurance protects you from damages or injuries you inflict on people or other property in an accident. This insurance protects YOU from legal claims by others, and 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. You might see liability limits of 50/100/50 which means $50,000 in coverage for each person’s injuries, a total of $100,000 of bodily injury coverage per accident, and a total limit of $50,000 for damage to vehicles and property. Some companies may use a combined single limit or CSL which provides one coverage limit with no separate limits for injury or property damage.

Liability insurance covers things such as emergency aid, repair costs for stationary objects and bail bonds. How much coverage you buy is your choice, but consider buying higher limits if possible.

Comprehensive insurance

This coverage will pay to fix damage OTHER than collision with another vehicle or object. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers things like hitting a bird, damage from a tornado or hurricane, hitting a deer, theft and rock chips in glass. The maximum amount your insurance company will pay is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Coverage for uninsured or underinsured drivers

Your UM/UIM coverage protects you and your vehicle’s occupants when the “other guys” either have no liability insurance or not enough. It can pay for medical payments for you and your occupants and damage to your Oldsmobile Ninety-Eight.

Because many people only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is important protection for you and your family. Usually these coverages do not exceed the liability coverage limits.

Coverage for medical expenses

Coverage for medical payments and/or PIP kick in for short-term medical expenses for dental work, hospital visits and doctor visits. They are used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. It covers all vehicle occupants in addition to any family member struck as a pedestrian. Personal injury protection coverage is not available in all states and may carry a deductible

In Summary

Drivers change insurance companies for a variety of reasons including delays in paying claims, being labeled a high risk driver, poor customer service and even lack of trust in their agent. No matter why you want to switch, finding the right car insurance provider is not as hard as you think.

We just showed you a lot of ways to get a better price on 1996 Oldsmobile Ninety-Eight insurance. The key thing to remember is the more rate quotes you have, the better likelihood of getting inexpensive auto insurance. Consumers could even find that the most savings is with a small local company.

As you restructure your insurance plan, make sure you don’t skimp on critical coverages to save a buck or two. Too many times, consumers will sacrifice collision coverage and discovered at claim time they didn’t purchase enough coverage. Your goal is to find the BEST coverage at an affordable rate while not skimping on critical coverages.

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