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Oldsmobile Ninety-Eight Insurance Rates

Finding cheaper auto insurance by getting online quotes can be fast and easy, in addition you may find lower rates. The most important part is getting rates from as many companies as possible in order to accurately compare all your choices.

If you are a novice to online auto insurance shopping, you may be confused by the hoards of online auto insurance companies and websites selling insurance. Getting cheaper insurance rates can be relatively painless. The only requirement is to invest a few minutes to compare quotes provided by online insurance companies. It is quite easy and can be accomplished by getting a quick quote here.

Criteria which help determine your insurance rates

Insurance premiums for your Oldsmobile Ninety-Eight can be significantly different depending on several factors. A few of these criteria are:

  • A clean driving record keeps rates low
  • Better credit means lower rates
  • The size of your community
  • High miles vs. low miles
  • Men typically pay more than women
  • The deductible you choose
  • NTSB crash rating for your vehicle
  • Whether or not you have claims
  • No coverage lapses saves money
  • Owning a home can lower rates

One important consideration which can affect your rates is the age of the vehicle. Models that are new have a higher actual cash value compared to older Oldsmobile models so the cost to replace them may end up costing you more. Conversely, more recent Oldsmobile vehicles have more advanced features such as traction control, tire pressure monitors, a collision avoidance system, and a telematics system that may help help offset higher rates.

To get a better idea how rates are influenced for your specific model year, select the year of your vehicle from the following list.

Liability

This coverage will cover injuries or damage you cause to other's property or people that is your fault. Liability coverage protects against claims such as funeral expenses, loss of income, and emergency aid. Coverage is generally pretty cheap so buy as large an amount as possible.

Auto collision coverage

This will pay to fix damage to your Oldsmobile resulting from colliding with another vehicle or an object, but not an animal. You first must pay a deductible then your collision coverage will kick in. 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 increase the deductible to bring the cost down.

Comprehensive or Other Than Collision

Comprehensive insurance coverage covers damage caused by mother nature, theft, vandalism and other events. A deductible will apply then your comprehensive coverage will pay. The highest amount a auto insurance company will pay at claim time is the ACV or actual cash value, so if your deductible is as high as the vehicle's value it's not worth carrying full coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This coverage provides protection from other drivers when they are uninsured or don't have enough coverage. Since a lot of drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. So UM/UIM coverage should not be overlooked.

Medical costs insurance

Personal Injury Protection (PIP) and medical payments coverage pay for bills like ambulance fees, surgery, and doctor visits. They can be utilized in addition to your health insurance policy or if you do not have health coverage. Personal Injury Protection is only offered in select states and may carry a deductible.

How Much are Oldsmobile Ninety-Eight Insurance Rates?