Cheap 1995 Oldsmobile Ninety-Eight Insurance Quotes

Want better insurance coverage rates for your Oldsmobile Ninety-Eight? Overpriced Oldsmobile Ninety-Eight insurance can take a big chunk out of your bank account and make it impossible to make ends meet. Comparing price quotes is a great way to reduce premiums and put more money in your pocket. With consumers having so many companies to choose from, it can be challenging to pick the lowest price company.

Compare the Market for Insurance Coverage

Most companies allow you to get prices for coverage on their websites. The process is pretty painless as you just enter the coverages you want into a form. When complete, their system makes automated requests for credit information and your driving record and generates a price based on these factors. This simplifies rate comparisons, but the process of having to visit multiple sites and fill out multiple forms is not the best way to spend an afternoon. But it’s absolutely necessary to compare as many rates as possible in order to find better insurance coverage pricing.

The preferred way to locate the lowest prices requires only one form that analyzes rates from several companies at one time. This type of form saves time, reduces the work, and makes quoting online much more enjoyable. Immediately after you send the form, your coverage is rated with multiple companies and you can pick your choice of the resulting price quotes.

If one or more price quotes are lower than your current rates, it’s easy to complete the application and buy the new coverage. It only takes a few minutes and you will find out if you’re overpaying now.

To find out how much you can save on insurance coverage, click here to open in new window and submit your coverage information. If you have a policy now, it’s recommended you type in the coverages exactly as shown on your declarations page. Using the same limits helps guarantee you will have a fair comparison based on similar coverages.

Get lower rates on 1995 Oldsmobile Ninety-Eight insurance

Insuring your fleet can be pricey, but there could be available discounts that many people don’t even know exist. Larger premium reductions will be automatically applied at the time of purchase, but a few must be asked for before being credited. If you aren’t receiving every discount possible, you are throwing money away.

  • New Vehicle Savings – Insuring a new car can be considerably cheaper due to better safety requirements for new cars.
  • No Charge for an Accident – A handful of insurance companies permit an accident before hitting you with a surcharge as long as you don’t have any claims prior to the accident.
  • Accident Free – Drivers who don’t have accidents can earn big discounts compared to frequent claim filers.
  • Own a Home – Owning a home can help you save on car insurance due to the fact that maintaining a home shows financial diligence.
  • Safe Drivers – Drivers who don’t get into accidents can get discounts for up to 45% lower rates on Ninety-Eight coverage than less cautious drivers.

Drivers should understand that some credits don’t apply to your bottom line cost. A few only apply to the cost of specific coverages such as comprehensive or collision. So when the math indicates you would end up receiving a 100% discount, it just doesn’t work that way. But all discounts will cut the amount you have to pay.

Car insurance companies that may have these money-saving discounts include:

It’s a good idea to ask each insurance company which discounts they offer. Discounts may not apply in your state.

Tailor your coverage to you

When it comes to choosing coverage, there really is no cookie cutter policy. Every insured’s situation is different and a cookie cutter policy won’t apply. For instance, these questions could help you determine whether you may require specific advice.

  • Is upholstery damage covered by car insurance?
  • Is my dog or cat covered if injured in an accident?
  • Do I have coverage when pulling a U-Haul trailer?
  • Do I need special endorsements for business use of my vehicle?
  • Should I buy more coverage than the required minimum liability coverage?
  • Am I covered when driving someone else’s vehicle?
  • Am I covered if my car is in a flood?
  • Do I pay less for low miles?
  • Is my cargo covered for damage or theft?

If you can’t answer these questions but you know they apply to you then you might want to talk to a licensed agent. To find an agent in your area, fill out this quick form or you can also visit this page to select a carrier It’s fast, doesn’t cost anything and you can get the answers you need.

Information about specific coverages

Knowing the specifics of your auto insurance policy aids in choosing the best coverages and the correct deductibles and limits. The coverage terms in a policy can be ambiguous and even agents have difficulty translating policy wording. Shown next are typical coverages available from auto insurance companies.

Uninsured Motorist or Underinsured Motorist insurance – Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when other motorists either have no liability insurance or not enough. Covered claims include injuries to you and your family and also any damage incurred to your Oldsmobile Ninety-Eight.

Since a lot of drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Usually the UM/UIM limits do not exceed the liability coverage limits.

Insurance for medical payments – Personal Injury Protection (PIP) and medical payments coverage pay for bills for things like ambulance fees, funeral costs, hospital visits and doctor visits. They can be used in conjunction with a health insurance policy or if you do not have health coverage. Medical payments and PIP cover both the driver and occupants and also covers being hit by a car walking across the street. Personal Injury Protection is only offered in select states and may carry a deductible

Comprehensive coverage (or Other than Collision) – Comprehensive insurance covers damage from a wide range of events other than collision. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims such as damage from a tornado or hurricane, fire damage and a tree branch falling on your vehicle. The maximum payout your auto insurance company will pay is the cash value of the vehicle, so if the vehicle is not worth much consider dropping full coverage.

Auto liability insurance – Liability insurance protects you from damages or injuries you inflict on other’s property or people by causing an accident. This insurance protects YOU against claims from other people, and doesn’t cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have limits of 100/300/100 that translate to $100,000 in coverage for each person’s injuries, $300,000 for the entire accident, and property damage coverage for $100,000. Another option is one limit called combined single limit (CSL) which limits claims to one amount with no separate limits for injury or property damage.

Liability can pay for things such as legal defense fees, pain and suffering, medical expenses, medical services and repair costs for stationary objects. How much coverage you buy is your choice, but it’s cheap coverage so purchase as high a limit as you can afford.

Collision – This will pay to fix damage to your Ninety-Eight from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for things like hitting a parking meter, colliding with another moving vehicle, colliding with a tree and hitting a mailbox. Collision is rather expensive coverage, so consider dropping it from vehicles that are 8 years or older. Another option is to bump up the deductible to bring the cost down.