1990 Oldsmobile Ninety-Eight Insurance Rates

Trying to find better insurance rates for your Oldsmobile Ninety-Eight? Overpriced Oldsmobile Ninety-Eight insurance can empty your personal savings and force you to prioritize other expenses. Shopping your coverage around is a great way to cut your insurance bill. Companies like State Farm, Allstate, Geico and Progressive promote their brand names with advertising and it can be hard to ignore the promise of big savings and take the time to shop coverage around.

Consumers should take time to compare rates once or twice a year since insurance rates fluctuate regularly. Even if you think you had the lowest rates on Ninety-Eight coverage a couple years back there is a good chance you can find better rates now. So ignore everything you know about insurance because you’re about to learn the quickest way to find better rates and still maintain coverage.

If you have a policy now or are just looking to switch companies, you can use these tips to find the best rates and still get good coverage. Finding the best rates is easy if you know what you’re doing. Drivers just need to learn how to shop their coverage around online.

Finding Insurance Coverage Deals

Finding lower insurance coverage rates is not rocket science. The only requirement is to spend a little time comparing price quotes online with multiple companies. This is very easy and can be done in a couple of different ways.

  1. One of the best ways consumers can make multiple comparisons is to use a rate comparison form click to view form in new window. This type of form prevents you from having to do separate quote forms for each company you want a rate for. Completing one form will get you price quotes instantly.
  2. A more difficult way to shop for insurance coverage online is to manually visit each company website to complete their respective quote request forms. For example, we’ll assume you want to compare rates from Allstate, Liberty Mutual and GMAC. To get each rate you have to go to every website to input your insurance information, which is why the first method is quicker.

    For a handy list of car insurance company links in your area, click here.

  3. The least recommended way to get comparison rates is to waste gas driving to local insurance agencies. Buying insurance online makes this process obsolete unless you want the professional advice only provided by licensed agents. However, consumers can price shop online but still have the advice of a local agent and you’ll learn how to do that later.

Which method you use is up to you, but ensure you are comparing the exact same coverages and limits with each company. If the quotes have different values for each quote it will be next to impossible to truly determine the lowest rate.

How much can you save with discounts?

Companies don’t list every discount in an easy-to-find place, so we took the time to find some of the best known and the more hidden insurance savings. If they aren’t giving you every credit available, you are throwing money away.

  • Passive Restraints – Vehicles with factory air bags or motorized seat belts can get savings up to 30%.
  • Seat Belts Save – Using a seat belt and requiring all passengers to buckle their seat belts can save 10% or more on the medical payments or PIP coverage costs.
  • Drivers Ed for Students – Make teen driver coverage more affordable by requiring them to complete a driver education course in school.
  • Accident Waiver – A handful of insurance companies will forgive one accident before hitting you with a surcharge so long as you haven’t had any claims for a particular time prior to the accident.
  • Early Signing – Some insurance companies reward drivers for signing up prior to your current policy expiring. This can save 10% or more.
  • Good Students Pay Less – A discount for being a good student can save 20 to 25%. Earning this discount can benefit you up until you turn 25.

A little note about advertised discounts, most of the big mark downs will not be given to all coverage premiums. The majority will only reduce the price of certain insurance coverages like medical payments or collision. Even though it may seem like you could get a free insurance policy, companies don’t profit that way.

To see a list of providers offering insurance discounts, click here.

Impacting insurance rates for an Oldsmobile Ninety-Eight

It’s important that you understand some of the elements that come into play when calculating the price you pay for insurance. Understanding what determines base rates enables informed choices that may reward you with big savings.

The list below includes some of the factors insurance companies consider when setting rates.

  • Do you have enough liability coverage? – Liability coverage is the coverage that protects you when you are found liable for causing damage or personal injury in an accident. Liability insurance provides you with a defense in court which can cost thousands of dollars. Liability insurance is quite affordable when compared with rates for comp and collision, so buy as much as you can afford.
  • Don’t get talked into coverage you don’t need – There are many extra coverages that you can get tricked into buying when buying insurance. Coverages like roadside assistance, accidental death and motor club memberships are some examples. They may seem like a good idea when talking to your agent, but if you don’t need them get rid of them and save.
  • Mature drivers pay less – Teen drivers are statistically proven to be less responsible in a vehicle so insurance rates are higher. Mature drivers tend to be more responsible, statistically cause fewer accidents and receive fewer citations.
  • Theft deterrents lower rates – Choosing a vehicle with an alarm system can get you a discount on your insurance. Anti-theft features like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems can thwart car theft.
  • Being married is a good thing – Being married actually saves money on insurance. Having a spouse is viewed as being more mature than a single person it has been statistically shown that married couples file fewer claims.
  • Bump up deductibles to save – Physical damage coverage, otherwise known as comp (or other than collision) and collision, is used to repair damage to your Oldsmobile. Examples of covered claims are colliding with a building, collision with an animal, and rolling your vehicle. Deductibles for physical damage are how much you are required to spend out-of-pocket in the event of a claim. The more money you’re willing to pay, the less your insurance will be on Ninety-Eight coverage.
  • High credit ratings translate to low rates – A driver’s credit history is a big factor in determining what you pay for insurance. Therefore, if your credit score is not that good, you could save money insuring your 1990 Oldsmobile Ninety-Eight by spending a little time repairing your credit. Drivers with good credit tend to file fewer claims and have better driving records than drivers with lower credit scores.

How much car insurance do I need?

When it comes to choosing proper insurance coverage for your vehicles, there really is no cookie cutter policy. Coverage needs to be tailored to your specific needs and a cookie cutter policy won’t apply. These are some specific questions may help you determine if you would benefit from professional advice.

  • Do I need PIP coverage since I have good health insurance?
  • Do I have any recourse if my insurance company denies a claim?
  • Should I have combined single limit or split liability limits?
  • Are my friends covered when driving my 1990 Oldsmobile Ninety-Eight?
  • When should my teen driver be added to my policy?
  • Is pleasure use cheaper than using my 1990 Oldsmobile Ninety-Eight to commute?
  • Am I covered when driving on a suspended license?

If it’s difficult to answer those questions, you might consider talking to an agent. To find lower rates from a local agent, fill out this quick form or click here for a list of auto insurance companies in your area. It only takes a few minutes and may give you better protection.

Insurance specifics

Understanding the coverages of insurance helps when choosing which coverages you need at the best deductibles and correct limits. The terms used in a policy can be difficult to understand and even agents have difficulty translating policy wording. Below you’ll find the normal coverages available from insurance companies.

Coverage for medical payments – Medical payments and Personal Injury Protection insurance reimburse you for immediate expenses such as nursing services, chiropractic care, EMT expenses, hospital visits and doctor visits. The coverages can be used to fill the gap from your health insurance policy or if there is no health insurance coverage. It covers both the driver and occupants and also covers any family member struck as a pedestrian. Personal injury protection coverage is not universally available but can be used in place of medical payments coverage

Collision coverage – This coverage will pay to fix damage to your Ninety-Eight from colliding with another vehicle or an object, but not an animal. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage pays for claims like scraping a guard rail, hitting a parking meter, rolling your car, crashing into a ditch and damaging your car on a curb. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Another option is to choose a higher deductible in order to get cheaper collision rates.

Liability insurance – Liability insurance will cover injuries or damage you cause to other’s property or people in an accident. It protects you against other people’s claims. Liability doesn’t cover your own vehicle damage or injuries.

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 limits of 50/100/50 that means you have a limit of $50,000 per injured person, a total of $100,000 of bodily injury coverage per accident, and property damage coverage for $50,000.

Liability can pay for claims such as repair bills for other people’s vehicles, structural damage and legal defense fees. The amount of liability coverage you purchase is a personal decision, but it’s cheap coverage so purchase as large an amount as possible.

Comprehensive coverages – Comprehensive insurance coverage will pay to fix damage that is not covered by collision coverage. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things such as fire damage, damage from flooding, rock chips in glass, hail damage and a tree branch falling on your vehicle. The maximum payout your insurance company will pay is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Uninsured and underinsured coverage – Uninsured or Underinsured Motorist coverage gives you protection when the “other guys” do not carry enough liability coverage. It can pay for hospital bills for your injuries as well as damage to your Oldsmobile Ninety-Eight.

Since many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is very important.

Keep this in mind

When shopping online for car insurance, it’s very important that you do not reduce needed coverages to save money. There have been many situations where an insured cut physical damage coverage to discover at claim time that it was a big error on their part. Your goal should be to buy enough coverage at an affordable rate while not skimping on critical coverages.

We covered a lot of information how to compare 1990 Oldsmobile Ninety-Eight insurance prices online. It’s most important to understand that the more rate quotes you have, the better chance you’ll have of finding lower rates. Drivers may discover the lowest rates come from some of the smallest insurance companies. They can often insure niche markets at a lower cost as compared to the big name companies such as Progressive or Geico.

For more information, feel free to browse the following helpful articles: