How Much Does 1998 Oldsmobile Achieva Insurance Cost?

Drivers have a choice when trying to find the best price on Oldsmobile Achieva insurance. You can either waste hours driving around trying to get quotes or use the internet to find the lowest rates. There are both good and bad ways to compare auto insurance rates and you need to know the absolute fastest way to get price quotes for your Oldsmobile and find the cheapest rates either online or from local insurance agents.

It’s important to take a look at other company’s rates every six months due to the fact that insurance rates are adjusted regularly by insurance companies. Just because you found the lowest price on Achieva coverage two years ago a different company probably has better rates today. So forget all the misinformation about auto insurance because you’re going to get a crash course in how to use online quotes to properly buy coverages and cut your premium.

How to Lower Your Car Insurance Cost

Reducing your 1998 Oldsmobile Achieva insurance rates is actually quite simple. You just need to spend a few minutes on the computer to compare quotes online with multiple companies. This can be accomplished using a couple different methods.

  1. The single most time-saving way to get quotes for comparison would be an industry-wide quote request form click to view form in new window. This type of form keeps you from doing boring form submissions for each company you want a rate for. Completing one form will return price quotes from all major companies. This is by far the quickest method.
  2. A different way to find lower rates is to take the time to go to the website for each individual company and fill out their own quote form. For instance, we’ll pretend you want comparison quotes from USAA, Allstate and Travelers. To find out each rate you need to take the time to go to each site and enter your information, which is why the first method is more popular.

    To view a list of companies in your area, click here.

  3. The hardest method of comparing rate quotes is driving around to local insurance agencies. Shopping for car insurance online can eliminate the need for a local agent unless you prefer the professional guidance of a local agent. Drivers can price shop online and get advice from an agent in your area and we’ll touch on that later.

Which method you use is up to you, but ensure you are comparing the exact same coverage limits and deductibles with every price quote. If each company quotes differing limits it’s impossible to determine which rate is truly the best.

Save money by taking advantage of these discounts

Companies offering auto insurance don’t list every available discount very well, so we took the time to find both well-publicized and the more hidden ways to save on insurance. If you don’t get every credit you qualify for, you’re paying more than you need to.

  • Bundle and Save – If you insure your home and vehicles with the same insurance company you may save up to 20% off your total premium.
  • Service Members Pay Less – Being on active duty in the military could mean lower rates.
  • Multiple Cars – Buying coverage for all your vehicles on one policy qualifies for this discount.
  • Organization Discounts – Being a member of a professional or civic organization is a good way to get lower rates when buying insurance on Achieva coverage.
  • Use Seat Belts – Requiring all passengers to buckle their seat belts could cut 10% or more on the medical payments or PIP coverage costs.
  • Anti-lock Brake Discount – Vehicles equipped with ABS or steering control can avoid accidents and will save you 10% or more.
  • Paperless Signup – Some insurance companies give back up to $50 for buying a policy and signing up on their website.

A little note about advertised discounts, most discounts do not apply to the entire cost. Most only apply to individual premiums such as comp or med pay. So even though it sounds like all those discounts means the company will pay you, it doesn’t quite work that way.

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

Check with each insurance company what discounts are available to you. Savings may not apply in every state.

When should I use an insurance agent?

When it comes to buying the right insurance coverage, there isn’t really a one size fits all plan. Coverage needs to be tailored to your specific needs.

For instance, these questions might point out if your situation will benefit from professional help.

  • Will my insurance pay for OEM parts?
  • Should I buy more coverage than the required minimum liability coverage?
  • What are the financial responsibility laws in my state?
  • Do all my vehicles need collision coverage?
  • How much liability do I need to cover my assets?
  • Is a blown tire covered by insurance?

If you can’t answer these questions, you might consider talking to an agent. If you don’t have a local agent, complete this form. It only takes a few minutes and can provide invaluable advice.

Car insurance coverage basics

Understanding the coverages of your car insurance policy helps when choosing which coverages you need at the best deductibles and correct limits. Car insurance terms can be ambiguous and coverage can change by endorsement.

Comprehensive insurance

This coverage will pay to fix 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 coverage protects against things like falling objects, a tree branch falling on your vehicle, damage from flooding and damage from a tornado or hurricane. The most you’ll receive from a claim is the actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Med pay and Personal Injury Protection (PIP)

Coverage for medical payments and/or PIP provide coverage for bills such as X-ray expenses, ambulance fees, nursing services and rehabilitation expenses. They are often used in conjunction with a health insurance program or if there is no health insurance coverage. It covers all vehicle occupants and also covers getting struck while a pedestrian. PIP is only offered in select states and gives slightly broader coverage than med pay

Auto liability insurance

This provides protection from damage or injury you incur to people or other property in an accident. It protects YOU against other people’s claims. It does not cover your injuries or vehicle damage.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have liability limits of 50/100/50 which stand for $50,000 bodily injury coverage, a limit of $100,000 in injury protection per accident, and a total limit of $50,000 for damage to vehicles and property.

Liability coverage protects against claims like structural damage, medical expenses and emergency aid. How much liability coverage do you need? That is your choice, but it’s cheap coverage so purchase as much as you can afford.

Collision protection

This coverage pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims like crashing into a ditch, scraping a guard rail, damaging your car on a curb and sideswiping another vehicle. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from older vehicles. Another option is to bump up the deductible in order to get cheaper collision rates.

Uninsured/Underinsured Motorist (UM/UIM)

Uninsured or Underinsured Motorist coverage provides protection when other motorists do not carry enough liability coverage. Covered claims include hospital bills for your injuries as well as damage to your Oldsmobile Achieva.

Because many people carry very low liability coverage limits, their limits can quickly be used up. This is the reason having UM/UIM coverage is important protection for you and your family.