1991 Oldsmobile Ninety-Eight Car Insurance Quotes – 6 Discounts for Cheapest Rates

I can’t think of a single person who looks forward to paying for insurance coverage, especially when they are paying too much.

Insurance companies such as State Farm, Allstate, Geico and Progressive constantly blast consumers with ads and it is challenging if not impossible to see past the corporate glitz and take the time to shop coverage around.

If you have car insurance now, you will be able to save some money using this information. Choosing the best insurance company for you is not rocket science. But car owners do need to understand how insurance companies price online insurance.

Discounts to lower Oldsmobile Ninety-Eight insurance rates

Insuring your fleet can be pricey, but discounts can save money and there are some available to help bring down the price. Some discounts apply automatically when you quote, but some must be asked for prior to getting the savings.

  • Discount for Good Grades – Performing well in school can earn a discount of 20% or more. The good student discount can last well after school through age 25.
  • Anti-lock Brakes – Anti-lock brake equipped vehicles can reduce accidents and qualify for as much as a 10% discount.
  • Own a Home – Owning a home may earn you a small savings because maintaining a house requires personal responsibility.
  • Drivers Education – Require your teen driver to enroll in driver’s education in high school.
  • Life Insurance Discount – Companies who offer life insurance give a discount if you purchase a life insurance policy as well.
  • Senior Discount – If you’re over the age of 55, you may receive reduced rates on Ninety-Eight insurance.

Drivers should understand that most discount credits are not given to your bottom line cost. Some only reduce specific coverage prices like comprehensive or collision. So when it seems like you would end up receiving a 100% discount, you’re out of luck. But all discounts will cut the amount you have to pay.

Car insurance companies that possibly offer some of the above discounts include:

It’s a good idea to ask all companies you are considering how you can save money. All car insurance discounts might not be offered in your area.

Tailor your coverage to you

When buying coverage for your personal vehicles, there is no cookie cutter policy. Every situation is different so your insurance needs to address that. For example, these questions can help discover if your situation might need an agent’s assistance.

  • Is rental equipment covered for theft or damage?
  • Is motorclub coverage worth it?
  • Is upholstery damage covered by car insurance?
  • Will I lose any money if I cancel my policy before it expires?
  • Is a new car covered when I drive it off the dealer lot?
  • Is my babysitter covered when using my vehicle?

If you can’t answer these questions but one or more may apply to you then you might want to talk to an agent. If you want to speak to an agent in your area, take a second and complete this form or click here for a list of car insurance companies in your area.

Car insurance coverages and their meanings

Understanding the coverages of your car insurance policy helps when choosing the best coverages for your vehicles. The coverage terms in a policy can be difficult to understand and coverage can change by endorsement. Shown next are the normal coverages found on most car insurance policies.

Coverage for medical expenses – Personal Injury Protection (PIP) and medical payments coverage pay for short-term medical expenses like hospital visits, nursing services, chiropractic care and prosthetic devices. They are used in conjunction with a health insurance plan or if you lack health insurance entirely. They cover you and your occupants in addition to being hit by a car walking across the street. Personal Injury Protection is not available in all states but it provides additional coverages not offered by medical payments coverage

Coverage for uninsured or underinsured drivers – This provides protection from other motorists when they either have no liability insurance or not enough. Covered losses include injuries sustained by your vehicle’s occupants and also any damage incurred to your Oldsmobile Ninety-Eight.

Due to the fact that many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is important protection for you and your family. Frequently these limits do not exceed the liability coverage limits.

Collision coverages – Collision coverage will pay to fix damage to your Ninety-Eight resulting from a collision with another vehicle or an object, but not an animal. A deductible applies and then insurance will cover the remainder.

Collision coverage protects against things like crashing into a building, damaging your car on a curb, hitting a mailbox, hitting a parking meter and driving through your garage door. Collision is rather expensive coverage, so consider removing coverage from vehicles that are older. Drivers also have the option to increase the deductible to save money on collision insurance.

Comprehensive car insurance – Comprehensive insurance coverage pays for damage that is not covered by collision coverage. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for things like rock chips in glass, fire damage and hitting a deer. The maximum amount you can receive from a comprehensive claim is the actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Liability – Liability insurance provides protection from injuries or damage you cause to other people or property by causing an accident. It protects YOU from legal claims by others. It does not cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show limits of 100/300/100 which means $100,000 bodily injury coverage, a limit of $300,000 in injury protection per accident, and property damage coverage for $100,000. Some companies may use a combined single limit or CSL which combines the three limits into one amount without having the split limit caps.

Liability coverage protects against claims such as pain and suffering, repair costs for stationary objects and loss of income. How much liability coverage do you need? That is up to you, but you should buy as much as you can afford.

Buy online or local, you save

When trying to cut insurance costs, it’s not a good idea to buy less coverage just to save a little money. There are a lot of situations where an accident victim reduced liability coverage limits only to discover later that saving that couple of dollars actually costed them tens of thousands. The aim is to get the best coverage possible at a price you can afford.

Cheaper 1991 Oldsmobile Ninety-Eight insurance can be sourced online and with local insurance agents, so you should be comparing quotes from both in order to have the best price selection to choose from. Some car insurance companies do not offer you the ability to get quotes online and these smaller companies work with independent agents.

Much more information about car insurance is available at these links: