How Much Does 1996 Oldsmobile Eighty-Eight Insurance Cost?

Finding better insurance prices for your Oldsmobile Eighty-Eight can be a lot of work, but you can learn these tips to find lower rates.

There are both good and bad ways to shop for auto insurance and we’ll show you the quickest way to get price quotes for a Oldsmobile and find the lowest price either online or from local insurance agents.

If you have a current insurance coverage policy or are shopping for new coverage, you can follow these tips to find the best rates while maintaining coverages. Pricing affordable insurance coverage coverage can be fairly easy. Drivers only need to know the most efficient way to get comparison quotes on the web.

Why you might be paying too much to insure your Oldsmobile Eighty-Eight

Smart consumers have a good feel for the rating factors that come into play when calculating your insurance rates. Knowing what impacts premium levels allows you to make educated decisions that could result in better insurance rates.

  • Being married is a good thing – Being married helps lower the price on insurance. Having a spouse usually means you are more mature and responsible and it’s statistically proven that married couples file fewer claims.
  • How your age affects price – Youthful drivers have a tendency to get distracted easily when driving so they pay higher insurance rates. Having to add a teenage driver onto your insurance can really hurt. More mature drivers are more responsible, tend to cause fewer accidents and are safer drivers.
  • Never go without insurance – Allowing your insurance policy to lapse will be a guaranteed way to increase your insurance rates. Not only will rates go up, getting caught without coverage might get you a steep fine or even jail time.Then you may be required to submit proof of financial responsibility or a SR-22 with your state department of motor vehicles.
  • What are your deductibles? – Physical damage deductibles define the amount you are willing to pay out-of-pocket if you file a covered claim. Coverage for physical damage, otherwise known as comp (or other than collision) and collision, covers damage that occurs to your car. Some examples of claims that would be covered could be running into the backend of another car, damage from fire, and burglary. The higher the amount the insured has to pay upfront, the less your insurance will be on Eighty-Eight insurance.
  • Discounts for multiple policies – Many insurance companies will give a discount to policyholders who buy several policies from them. It’s known as a multi-policy discount. This can amount to ten or even up to twenty percent in some cases. Even with this discount, it’s still a good idea to compare other company rates to make sure you are getting the best deal.
  • Where you reside plays a part – Being located in small towns and rural areas has it’s advantages when talking about insurance. City drivers tend to have congested traffic and longer commutes to work. Fewer people translates into fewer accidents and a lower car theft rate.
  • Don’t sacrifice liability coverage – Liability insurance is the coverage that protects you if ever a jury decides you are liable for causing damage or personal injury in an accident. It will provide legal defense starting from day one. This coverage is very inexpensive compared to physical damage coverage, so buy as much as you can afford.

Car Insurance Prices Online

Comparing car insurance rates can be exhausting if you aren’t aware of the most efficient way to do it. You could spend the better part of a day discussing policy coverages with local insurance agents in your area, or you could use online quoting to get the quickest rates.

Most major companies participate in a marketplace where prospective buyers complete one form, and every company then returns a price quote determined by their information. This system prevents you from having to do quote requests for each company you want a rate for.

To find out how much you can save on car insurance click here (opens in new window).

The one downside to comparing rates this way is that you can’t choose which insurance companies to get pricing from. If you wish to select specific insurance companies to receive pricing from, we have a listing of car insurance companies in your area. Click here to view list.

Whichever way you use, double check that you are using identical quote information for every quote you compare. If the quotes have mixed coverages it will be very difficult to find the best deal for your Oldsmobile Eighty-Eight.

Are you getting all your discounts?

Insurance can be prohibitively expensive, but there could be available discounts to help bring down the price. A few discounts will automatically apply at the time of purchase, but a few need to be specifically requested before you get the savings. If they aren’t giving you every credit you qualify for, you’re paying more than you need to.

  • Good Students Pay Less – Getting good grades can earn a discount of 20% or more. The discount lasts up to age 25.
  • Senior Discount – Older drivers may be able to get better insurance coverage rates on Eighty-Eight insurance.
  • Save with a New Car – Adding a new car to your policy can cost up to 25% less due to better safety requirements for new cars.
  • Homeowners Savings – Owning a house can save you money because of the fact that having a home is proof that your finances are in order.
  • Multi-policy Discount – When you have multiple policies with the same company you may save 10% to 20% off each policy.

A little note about advertised discounts, most of the big mark downs will not be given to all coverage premiums. Most cut specific coverage prices like physical damage coverage or medical payments. So despite the fact that it appears adding up those discounts means a free policy, you won’t be that lucky. But any discount will cut your premiums.

A partial list of companies that may have these money-saving discounts include:

Check with each insurance company which discounts they offer. Some discounts may not be available in your area.

When might I need an agent?

When choosing the best auto insurance coverage, there isn’t really a perfect coverage plan. Everyone’s needs are different.

Here are some questions about coverages that could help you determine whether or not you will benefit from professional help.

  • Do I have coverage when pulling a U-Haul trailer?
  • Are my friends covered when driving my car?
  • Am I getting all the discounts available?
  • Why is insurance for a teen driver so high?
  • Does medical payments coverage apply to all occupants?
  • Are there companies who specialize in insuring high-risk drivers?
  • Is a blown tire covered by insurance?

If you don’t know the answers to these questions but one or more may apply to you, you may need to chat with a licensed agent. If you want to speak to an agent in your area, complete this form. It only takes a few minutes and can help protect your family.

Auto insurance coverage information

Learning about specific coverages of your policy can help you determine the right coverages at the best deductibles and correct limits. The coverage terms in a policy can be ambiguous and reading a policy is terribly boring.

Collision coverage

Collision insurance will pay to fix damage to your Eighty-Eight resulting from colliding with another vehicle or an object, but not an animal. You have to pay a deductible then your collision coverage will kick in.

Collision insurance covers things like driving through your garage door, sideswiping another vehicle, sustaining damage from a pot hole, scraping a guard rail and hitting a parking meter. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are 8 years or older. You can also raise the deductible to get cheaper collision coverage.

Comprehensive or Other Than Collision

This coverage pays for damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims like damage from getting keyed, fire damage and hail damage. The maximum amount a auto insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Liability car insurance

This coverage protects you from damage that occurs to people or other property in an accident. This coverage protects you from claims by other people. Liability doesn’t cover damage sustained by your vehicle in an accident.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see values of 100/300/100 which means a limit of $100,000 per injured person, $300,000 for the entire accident, and $100,000 of coverage for damaged propery. Occasionally you may see one limit called combined single limit (CSL) which provides one coverage limit rather than limiting it on a per person basis.

Liability can pay for things like medical expenses, medical services, bail bonds and repair costs for stationary objects. How much liability should you purchase? That is up to you, but consider buying as large an amount as possible.

Medical costs insurance

Medical payments and Personal Injury Protection insurance pay for immediate expenses for things like chiropractic care, prosthetic devices and pain medications. The coverages can be used to fill the gap from your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover both the driver and occupants in addition to any family member struck as a pedestrian. Personal Injury Protection is not universally available but can be used in place of medical payments coverage

UM/UIM Coverage

This gives you protection from other motorists when they either are underinsured or have no liability coverage at all. Covered losses include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. For this reason, having high UM/UIM coverages is important protection for you and your family. Frequently these coverages are identical to your policy’s liability coverage.

One last thing about your coverage

As you restructure your insurance plan, never buy poor coverage just to save money. In many instances, an insured cut comprehensive coverage or liability limits and found out when filing a claim that the few dollars in savings costed them thousands. Your goal should be to get the best coverage possible at the best price, not the least amount of coverage.

Consumers who switch companies do it for a variety of reasons including questionable increases in premium, unfair underwriting practices, not issuing a premium refund or lack of trust in their agent. Whatever your reason, switching companies is pretty simple and you could end up saving a buck or two.

In this article, we presented some good ideas how to lower your 1996 Oldsmobile Eighty-Eight insurance rates. The key thing to remember is the more times you quote, the higher your chance of finding lower rates. You may be surprised to find that the lowest rates come from some of the smallest insurance companies.

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