How Much Does 1998 Oldsmobile Eighty-Eight Car Insurance Cost?

Drivers have options when trying to find affordable Oldsmobile Eighty-Eight insurance. You can either waste hours driving around trying to get quotes or leverage the internet to compare rates. There is a right way and a wrong way to shop for auto insurance and you need to know the absolute fastest way to price shop coverage on a Oldsmobile and get the cheapest rates.

Finding auto insurance

Finding cheap 1998 Oldsmobile Eighty-Eight auto insurance quotes is an easy way to save money. All that’s required is to take a few minutes to get quotes from online providers. Shoppers can get rates by following the guidelines below.

The most efficient method to get quotes would be an industry-wide quote request form like this one (opens in new window). This method prevents you from having to do separate quote forms for each company. Completing one form gets you coverage quotes instantly. This is by far the quickest method.

Another way to find better pricing requires visiting the website of each company and repeat the quote process. For example, we’ll assume you want to compare prices for Auto-Owners, State Farm and American Family. To get each rate you have to navigate to each company’s site to enter your coverage information, which is why the first method is quicker.

For a list of links to insurance companies in your area, click here.

Even if you have time, the least recommended way to get comparison rates is to drive around to each insurance agency near you. Quoting online makes this process obsolete unless you’re the type of person who wants the professional assistance of a local agency. You can, however, price shop online but have your policy serviced through an agent.

It doesn’t matter which method you choose, just ensure you’re using exactly the same coverage limits and deductibles for each quote you get. If you have different liability limits it will be very difficult to make a fair comparison for your Oldsmobile Eighty-Eight.

Insurance coverage can be complex

When it comes to choosing proper insurance coverage, there really is no “best” method to buy coverage. Coverage needs to be tailored to your specific needs.

For instance, these questions could help you determine whether or not you will benefit from professional help.

• What can I do if my company denied a claim?
• Am I covered when pulling a rental trailer?
• Does my insurance cover my expensive audio equipment?
• Am I covered by my spouse’s policy after a separation?
• Do I benefit by insuring my home with the same company?
• Am I covered if I hit my neighbor’s mailbox?
• Do I get a pro-rated refund if I cancel my policy early?
• Who is covered by my policy?
• What happens if I owe more than my 1998 Oldsmobile Eighty-Eight is worth?

If you’re not sure about those questions but you know they apply to you then you might want to talk to a licensed insurance agent. If you want to speak to an agent in your area, complete this form. It only takes a few minutes and can help protect your family.

Learn about auto insurance coverages for a 1998 Oldsmobile Eighty-Eight

Having a good grasp of auto insurance helps when choosing the right coverages and the correct deductibles and limits. The coverage terms in a policy can be impossible to understand and coverage can change by endorsement.

Liability

This coverage provides protection from injuries or damage you cause to other people or property in an accident. It protects you from legal claims by others. It does not cover your injuries or vehicle damage.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have values of 50/100/50 that translate to a limit of $50,000 per injured person, $100,000 for the entire accident, and a total limit of $50,000 for damage to vehicles and property.

Liability coverage pays for things like emergency aid, medical expenses, loss of income and bail bonds. How much coverage you buy is a decision to put some thought into, but it’s cheap coverage so purchase as much as you can afford.

Comprehensive auto coverage

Comprehensive insurance coverage pays to fix your vehicle from damage from a wide range of events other than collision. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive insurance covers things like a tree branch falling on your vehicle, damage from flooding and a broken windshield. The maximum amount you’ll receive from a claim is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Collision insurance

Collision coverage pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things like crashing into a building, colliding with a tree and sustaining damage from a pot hole. This coverage can be expensive, so consider dropping it from lower value vehicles. It’s also possible to choose a higher deductible to bring the cost down.

Medical payments and PIP coverage

Medical payments and Personal Injury Protection insurance reimburse you for immediate expenses for ambulance fees, funeral costs, rehabilitation expenses, surgery and EMT expenses. They can be used in conjunction with a health insurance program or if you are not covered by health insurance. They cover all vehicle occupants as well as getting struck while a pedestrian. PIP coverage is only offered in select states but can be used in place of medical payments coverage

UM/UIM (Uninsured/Underinsured Motorist) coverage

Your UM/UIM coverage protects you and your vehicle’s occupants from other drivers when they are uninsured or don’t have enough coverage. It can pay for injuries to you and your family as well as damage to your Oldsmobile Eighty-Eight.

Because many people only carry the minimum required liability limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is a good idea.