1992 Oldsmobile Ninety-Eight Insurance Rates – 10 Discounts for Best Quotes

Price shopping your insurance coverage can be hard for consumers new to comparing rates online. Consumers have so many choices that it can easily become a challenge to find the best price.

It’s important to shop coverage around occasionally since rates trend upward over time. Even if you got the best price on Ninety-Eight insurance six months ago you will most likely find a better rate today. You can find a lot of misleading information regarding insurance coverage on the web, but I’m going to show you some solid techniques on how to find cheap insurance coverage.

Finding affordable coverage is not that difficult. Essentially everyone who is required by state law to have insurance stands a good chance to be able to reduce their rates. Although vehicle owners can benefit by having an understanding of how insurance companies market insurance on the web because it can help you find the best coverage.

The quickest method we recommend to compare rate quotes is to know most of the larger companies have advanced systems to compare their rates. To start a quote, the only thing you need to do is provide information including how many miles driven, your occupation, whether the vehicles are used for commuting, and the ages of drivers. Your insurance information is instantly provided to insurance companies and they return cost estimate instantly.

Save with discounts on 1992 Oldsmobile Ninety-Eight insurance

Companies that sell car insurance do not advertise all their discounts very well, so here is a list some of the best known and also the lesser-known insurance coverage savings.

  • Auto/Home Discount – When you have multiple policies with the same company you could get a discount of at least 10% off all policies.
  • Discounts for Safe Drivers – Insureds without accidents can get discounts for up to 45% lower rates on Ninety-Eight insurance than drivers with accident claims.
  • Save with a New Car – Putting insurance coverage on a new car can cost up to 25% less due to better safety requirements for new cars.
  • Own a Home – Simply owning a home can save you money because owning a home shows financial diligence.
  • Discount for Swiching Early – Some insurance companies reward drivers for switching policies prior to your current policy expiring. The savings is around 10%.
  • College Student – Children who live away from home without a vehicle on campus can be insured at a reduced rate.
  • No Accidents – Drivers who don’t have accidents pay less when compared to bad drivers.
  • Good Student – This discount can save 20 to 25%. Earning this discount can benefit you well after school through age 25.
  • Seat Belts Save more than Lives – Buckling up and requiring all passengers to use their safety belts could cut 10% or more off the personal injury premium cost.
  • Braking Control Discount – Vehicles with anti-lock braking systems can avoid accidents and qualify for as much as a 10% discount.

As a disclaimer on discounts, most of the big mark downs will not be given the the whole policy. Most cut individual premiums such as liability and collision coverage. So when the math indicates all those discounts means the company will pay you, insurance coverage companies aren’t that generous.

To see a list of providers who offer insurance coverage discounts, click here.

Tailor your coverage to you

When it comes to choosing adequate coverage for your vehicles, there isn’t really a cookie cutter policy. Everyone’s situation is a little different.

These are some specific questions might help in determining whether or not you could use an agent’s help.

  • Should I rate my 1992 Oldsmobile Ninety-Eight as pleasure use or commute?
  • What is the rate difference between pleasure use and commuting?
  • What can I do if my company denied a claim?
  • When do I need to add a new car to my policy?
  • How high should my uninsured/underinsured coverage be in my state?
  • Is borrowed equipment or tools covered if stolen or damaged?

If you’re not sure about those questions but a few of them apply, you might consider talking to an agent. If you don’t have a local agent, simply complete this short form.

Coverage specifics

Learning about specific coverages of insurance can be of help when determining appropriate coverage at the best deductibles and correct limits. The coverage terms in a policy can be impossible to understand and even agents have difficulty translating policy wording.

Comprehensive or Other Than Collision – Comprehensive insurance pays for damage OTHER than collision with another vehicle or object. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things such as rock chips in glass, hitting a deer and hitting a bird. The most your insurance company will pay is the actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Collision coverages – This coverage pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for claims like hitting a mailbox, rolling your car and colliding with another moving vehicle. Paying for collision coverage can be pricey, so consider dropping it from older vehicles. It’s also possible to choose a higher deductible to bring the cost down.

Liability auto insurance – Liability coverage provides protection from damage that occurs to other’s property or people by causing an accident. Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have policy limits of 25/50/25 which means a $25,000 limit per person for injuries, a limit of $50,000 in injury protection per accident, and a limit of $25,000 paid for damaged property.

Liability coverage pays for things like bail bonds, structural damage, pain and suffering, attorney fees and loss of income. The amount of liability coverage you purchase is up to you, but it’s cheap coverage so purchase higher limits if possible.

Medical costs insurance – Personal Injury Protection (PIP) and medical payments coverage reimburse you for short-term medical expenses for rehabilitation expenses, dental work, X-ray expenses, doctor visits and funeral costs. The coverages can be used in conjunction with a health insurance policy or if you are not covered by health insurance. Coverage applies to not only the driver but also the vehicle occupants and also covers being hit by a car walking across the street. Personal injury protection coverage is not available in all states but can be used in place of medical payments coverage

UM/UIM Coverage – Your UM/UIM coverage protects you and your vehicle from other motorists when they either are underinsured or have no liability coverage at all. Covered claims include hospital bills for your injuries as well as your vehicle’s damage.

Since a lot of drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is very important.

Cheaper insurance is a realistic goal

As you shop your coverage around, make sure you don’t sacrifice coverage to reduce premiums. There have been many situations where consumers will sacrifice uninsured motorist or liability limits to discover at claim time that the small savings ended up costing them much more. Your aim should be to buy enough coverage at an affordable rate while still protecting your assets.

In this article, we covered a lot of techniques to save on 1992 Oldsmobile Ninety-Eight insurance. It’s most important to understand that the more companies you get rates for, the higher the chance of saving money. You may be surprised to find that the best prices are with some of the lesser-known companies.

Cheap insurance can be bought from both online companies and with local insurance agents, so you should be comparing quotes from both in order to have the best chance of saving money. Some insurance companies do not offer the ability to get a quote online and these small insurance companies work with independent agents.

More information can be read below: