Lower Your 1997 Oldsmobile Eighty-Eight Car Insurance Quotes

Cutting costs on Driversinsurance can be frustrating for drivers who have little experience shopping for insurance online. Because there are so many online companies available, it can quickly become a ton of work to find the best price.

Buying more affordable coverage can be fairly easy. In a nutshell, anyone who is required by state law to have car insurance should be able to lower their premiums. Although consumers need to learn how companies market on the web.

Cheap insurance quotes

The are a couple different ways to compare rate quotes from different companies. One of the best ways to compare rates involves getting comparison quotes online. It’s really quite simple and can be done by using one of the methods below.

1. The best way to find the lowest comparison rates would be an industry-wide quote request form click to view form in new window. This easy form eliminates the need for separate quote forms for every company. Filling out one form will get you rate comparisons from several companies. It’s definitely the quickest method.
2. A more time consuming way to obtain and compare quotes online is going to each company website and fill out their own quote form. For instance, let’s assume you want rates from State Farm, Allstate and Progressive. You would have to go to each individual site and type in your information over and over, which can be really labor intensive. For a list of companies in your area, click here.
3. The most difficult way to get price estimates is making phone calls or going to local insurance agencies. Comparing online rate quotes eliminates the middleman unless your situation requires the professional guidance of a local agent. Drivers can comparison shop your insurance online but buy the policy through an agent.

You can use whichever method you prefer to find lower rates, just make absolute certain that you use equivalent information with every price quote. If you compare different liability limits it will be next to impossible to get a fair rate comparison. Slightly different coverages may result in large price differences. Keep in mind that getting more free quotes will increase your chances of finding lower pricing. Some insurance companies are not set up to provide online rate quotes, so it’s important to also get price estimates from the smaller companies as well.

Tailor your auto insurance coverage to you

When buying coverage for your vehicles, there isn’t really a single plan that fits everyone. Coverage needs to be tailored to your specific needs.

These are some specific questions may help highlight if your insurance needs will benefit from professional help.

• Do I need replacement cost coverage on my 1997 Oldsmobile Eighty-Eight?
• Does my policy cover me when driving someone else’s vehicle?
• How can I find cheaper teen driver insurance?
• Are all vehicle passengers covered by medical payments coverage?
• Do I need higher collision deductibles?
• Can I get a multi-policy discount?
• Is my ex-spouse still covered by my policy?

If it’s difficult to answer those questions but you know they apply to you, you might consider talking to an insurance agent. If you want to speak to an agent in your area, fill out this quick form.

Insurance coverage basics

Understanding the coverages of your policy helps when choosing appropriate coverage and the correct deductibles and limits. Insurance terms can be impossible to understand and nobody wants to actually read their policy.

Protection from uninsured/underinsured drivers – Uninsured or Underinsured Motorist coverage gives you protection from other motorists when they either have no liability insurance or not enough. This coverage pays for hospital bills for your injuries and also any damage incurred to your Oldsmobile Eighty-Eight.

Because many people only carry the minimum required liability limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Usually these limits are identical to your policy’s liability coverage.

Medical expense insurance – Personal Injury Protection (PIP) and medical payments coverage pay for expenses like prosthetic devices, funeral costs, nursing services, X-ray expenses and hospital visits. They are often used in conjunction with a health insurance program or if you lack health insurance entirely. Coverage applies to not only the driver but also the vehicle occupants and also covers being hit by a car walking across the street. Personal Injury Protection is not universally available and gives slightly broader coverage than med pay

Liability coverage – Liability insurance can cover damages or injuries you inflict on people or other property by causing an accident. It protects you from legal claims by others. It does not cover damage to your own property or vehicle.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have liability limits of 100/300/100 that translate to a $100,000 limit per person for injuries, a total of $300,000 of bodily injury coverage per accident, and property damage coverage for $100,000. Some companies may use a combined limit which provides one coverage limit with no separate limits for injury or property damage.

Liability coverage protects against claims such as medical services, legal defense fees and bail bonds. How much liability should you purchase? That is your choice, but you should buy as high a limit as you can afford.

Comprehensive (Other than Collision) – This pays to fix your vehicle from damage from a wide range of events other than collision. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers things such as a broken windshield, damage from a tornado or hurricane and fire damage. The highest amount your insurance company will pay is the actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Collision coverages – This coverage will pay to fix damage to your Eighty-Eight from colliding with a stationary object or other vehicle. You have to pay a deductible and then insurance will cover the remainder.

Collision insurance covers claims such as hitting a parking meter, sideswiping another vehicle, crashing into a ditch and rolling your car. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Drivers also have the option to choose a higher deductible in order to get cheaper collision rates.