How Much Does 1999 Oldsmobile Eighty-Eight Car Insurance Cost?

Want better auto insurance rates for your Oldsmobile Eighty-Eight? Trying to find better insurance prices for your Oldsmobile Eighty-Eight can turn out to be difficult, but you can follow the following methods to find lower rates. There is a right way and a wrong way to compare auto insurance rates and you need to know the best way to get price quotes on a Oldsmobile and find the best price possible.

Choosing the best insurance company for you is not rocket science. If you have insurance now or are just looking to switch companies, you can use these tips to reduce the price you pay and possibly find even better coverage. Drivers only need to know the best way to buy car insurance over the internet.

Take policy discounts and save

Companies do not list every discount they offer very well, so the next list breaks down some of the more common as well as the least known credits available to bring down your rates.

Defensive Driver Discounts – Passing a defensive driving course is a good idea and can lower rates if your company offers it.
Bundled Policy Discount – If you have multiple policies with one insurance company you could get a discount of as much as 10 to 15 percent.
Multi-car Discount – Buying coverage for multiple cars or trucks with the same car insurance company can get a discount for every vehicle.
Memberships – Belonging to qualifying clubs or civic groups can get you a small discount on your next renewal.
Telematics Data – Drivers who agree to allow their insurance company to analyze vehicle usage through the use of a telematics system such as Drivewise from Allstate or Snapshot from Progressive could save a few bucks if they are good drivers.
Driver Education Discount – It’s a good idea to have your young drivers participate in a local driver’s education class as it can save substantially.
Student Discounts – This discount can save 20 to 25%. You can use this discount normally until age 25.
Low Mileage – Driving fewer miles could earn better premium rates on cars that stay parked.

As is typical with insurance, some of the credits will not apply to the overall cost of the policy. Most only cut the cost of specific coverages such as comprehensive or collision. So when it seems like it’s possible to get free car insurance, that’s just not realistic.

Car insurance companies that may offer policyholders these discounts are:

When getting a coverage quote, ask each company how you can save money. All car insurance discounts may not be available in your area. To locate providers who offer free car insurance quotes, click here.

How much does insurance coverage cost?

Shopping for lower insurance coverage rates can take time and effort if you don’t understand the most efficient way. You can waste a few hours (or days) driving to agents in your area, or you can stay home and use online quoting to maximize your effort.

Most of the best insurance companies participate in a marketplace that enables customers to submit one quote, and at least one company then gives them pricing based on that information. This eliminates the need for repetitive form submissions for each company.

To compare pricing click here to open in new window.

The one disadvantage to using this type of form is you cannot specify the providers you want to price. If you would rather choose specific insurance companies to request quotes from, we have assembled a list of low cost insurance coverage companies in your area. Click here for list of insurance companies.

Compare rates however you want, just make sure you are using nearly identical coverage data on every quote you get. If you are comparing different coverage information it’s not possible to make an equal comparison.

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Which policy gives me the best coverage?

When buying proper insurance coverage for your vehicles, there isn’t really a one size fits all plan. Everyone’s situation is a little different.

These are some specific questions can aid in determining whether or not you may require specific advice.

Am I covered if I break a side mirror?
Why am I required to get a high-risk car insurance policy?
Are my friends covered when driving my 1999 Oldsmobile Eighty-Eight?
Am I covered by my spouse’s policy after a separation?
Does my liability insurance cover pulling a trailer or camper?
What if I owe more than I can insure my car for?

If you’re not sure about those questions then you might want to talk to a licensed agent. If you want to speak to an agent in your area, take a second and complete this form. It is quick, free and can provide invaluable advice.

Coverage specifics

Knowing the specifics of your insurance policy can help you determine appropriate coverage at the best deductibles and correct limits. The coverage terms in a policy can be impossible to understand and nobody wants to actually read their policy.

Comprehensive or Other Than Collision

Comprehensive insurance coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims like rock chips in glass, damage from a tornado or hurricane and hail damage. The most a insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

UM/UIM Coverage

Your UM/UIM coverage protects you and your vehicle from other drivers when they either are underinsured or have no liability coverage at all. This coverage pays for hospital bills for your injuries and damage to your Oldsmobile Eighty-Eight.

Due to the fact that many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage should not be overlooked.

Liability coverages

Liability insurance will cover damage or injury you incur to other’s property or people in an accident. This insurance protects YOU against claims from other people, and doesn’t cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. As an example, you may have values of 100/300/100 which means a $100,000 limit per person for injuries, a total of $300,000 of bodily injury coverage per accident, and a limit of $100,000 paid for damaged property.

Liability coverage pays for claims such as repair costs for stationary objects, emergency aid and court costs. How much coverage you buy is up to you, but you should buy as much as you can afford.

Medical costs insurance

Coverage for medical payments and/or PIP kick in for bills for X-ray expenses, dental work, rehabilitation expenses, EMT expenses and prosthetic devices. They are used to cover expenses not covered by your health insurance program or if you lack health insurance entirely. They cover both the driver and occupants and also covers being hit by a car walking across the street. PIP coverage is not an option in every state and gives slightly broader coverage than med pay

Coverage for collisions

This coverage pays for damage to your Eighty-Eight caused by collision with another car or object. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage protects against things such as backing into a parked car, scraping a guard rail, crashing into a building and crashing into a ditch. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Drivers also have the option to bump up the deductible in order to get cheaper collision rates.

And the best car insurance company is…

When searching for cheaper insurance quotes, it’s a bad idea to buy lower coverage limits just to save a few bucks. There are a lot of situations where an insured cut uninsured motorist or liability limits and discovered at claim time they didn’t have enough coverage. Your strategy should be to find the BEST coverage at the best possible price but still have enough coverage for asset protection.

Lower-priced car insurance is attainable both online in addition to many insurance agents, and you need to comparison shop both so you have a total pricing picture. A few companies may not provide online price quotes and these small insurance companies sell through local independent agents.

Drivers change insurance companies for any number of reasons including policy cancellation, unfair underwriting practices, extreme rates for teen drivers and high prices. Regardless of your reason for switching companies, switching companies can be easy and end up saving you some money.

Additional detailed information can be found in the articles below: