1999 Oldsmobile Eighty-Eight Insurance Cost – 6 Tips for Best Prices

Looking for the cheapest insurance coverage rates for your Oldsmobile Eighty-Eight? Tired of being strong-armed to insure your Oldsmobile every month? You’re in the same situation as most other car owners. Since consumers have many insurance coverage companies to choose from, it can be diffult for consumers to pick the lowest cost provider.

Choosing the best insurance company for you is easy if you know what you’re doing. If you have insurance now or need a new policy, you can use these techniques to reduce the price you pay and still get good coverage. Drivers only need an understanding of the most efficient way to shop for insurance on the web.

Compare the Market for Car Insurance

Getting better 1999 Oldsmobile Eighty-Eight car insurance pricing doesn’t have to be difficult. The only requirement is to take a few minutes to compare quotes from different insurance companies. This can be done in just a few minutes using one of these methods.

  • The best way to find the lowest comparison rates is an all-inclusive rate comparison click to view form in new window. This form keeps you from doing separate quotation requests to each individual car insurance company. A single form compares rates direct from many companies.
  • A more difficult way to get comparison quotes requires visiting the website for each individual company and request a quote. For examples sake, let’s say you want rates from Allstate, Geico and Travelers. To get each rate you have to take the time to go to each site and enter your information, which is why most consumers use the first method.

    For a list of links to companies insuring cars in your area, click here.

  • The least recommended method to compare rates is driving around to and from local insurance agencies. Shopping for car insurance online has reduced the need for local agents unless you have a need for the professional guidance only provided by licensed agents. However, consumers can compare the best prices online but still have the advice of a local agent. We’ll cover that shortly.

Which method you use is up to you, but be sure to compare apples-to-apples deductibles and coverage limits on every quote. If you have differing limits it’s impossible to make an equal comparison.

Be sure to get all your discounts

Companies offering auto insurance do not advertise all their discounts very well, so we break down both the well known and the more hidden car insurance savings. If you don’t get every credit possible, you’re just leaving money on the table.

  • Sign Online – Some insurance companies will give a small break for buying a policy and signing up online.
  • Discount for Good Grades – A discount for being a good student can be rewarded with saving of up to 25%. The discount lasts well after school through age 25.
  • Homeowners Savings – Owning a home may earn you a small savings due to the fact that maintaining a home demonstrates responsibility.
  • Pay Now and Pay Less – If you pay your bill all at once rather than paying monthly you could save 5% or more.
  • Auto/Home Discount – When you have multiple policies with the same insurance company you may save 10% to 20% off each policy.
  • Military Rewards – Being on active duty in the military could mean lower rates.

Keep in mind that many deductions do not apply to the overall cost of the policy. Most cut specific coverage prices like collision or personal injury protection. So despite the fact that it appears adding up those discounts means a free policy, companies wouldn’t make money that way.

Insurance companies that may offer these money-saving discounts may include but are not limited to:

Before buying, ask each company how you can save money. Some discounts may not be available in every state.

How do I know if I need professional advice?

When it comes to choosing adequate coverage for your vehicles, there really is no perfect coverage plan. Everyone’s needs are different so this has to be addressed. These are some specific questions could help you determine if your situation may require specific advice.

  • What is UM/UIM insurance?
  • Who is covered by my policy?
  • How can I force my company to pay a claim?
  • Should I carry comprehensive and collision coverage?
  • What if I total my 1999 Oldsmobile Eighty-Eight and owe more than it’s worth?
  • Is a new car covered when I drive it off the dealer lot?
  • Why does it cost so much to insure a teen driver?
  • If I drive on a suspended license am I covered?

If you can’t answer these questions, you might consider talking to a licensed agent. To find lower rates from a local agent, take a second and complete this 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.

Learn about insurance coverages for a 1999 Oldsmobile Eighty-Eight

Having a good grasp of your policy can be of help when determining appropriate coverage and the correct deductibles and limits. Insurance terms can be impossible to understand and coverage can change by endorsement. These are typical coverage types available from insurance companies.

Uninsured or underinsured coverage

This provides protection when the “other guys” do not carry enough liability coverage. Covered losses include injuries sustained by your vehicle’s occupants as well as damage to your Oldsmobile Eighty-Eight.

Due to the fact that many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is a good idea.

Comprehensive protection

This coverage will pay to fix damage OTHER than collision with another vehicle or object. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims like hitting a bird, damage from flooding, vandalism and rock chips in glass. The highest amount a insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Medical expense coverage

Med pay and PIP coverage provide coverage for bills such as X-ray expenses, EMT expenses and ambulance fees. The coverages can be utilized in addition to your health insurance plan or if you do not have health coverage. It covers both the driver and occupants as well as if you are hit as a while walking down the street. PIP is only offered in select states but can be used in place of medical payments coverage

Collision coverage

Collision coverage will pay to fix damage to your Eighty-Eight caused by collision with another vehicle or an object, but not an animal. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers things such as crashing into a building, crashing into a ditch, colliding with a tree and backing into a parked car. This coverage can be expensive, so consider removing coverage from lower value vehicles. You can also choose a higher deductible to save money on collision insurance.

Liability car insurance

Liability insurance can cover damage that occurs to people or other property in an accident. It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see limits of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, a per accident bodily injury limit of $100,000, and property damage coverage for $50,000.

Liability can pay for things like court costs, legal defense fees, medical expenses and emergency aid. How much liability coverage do you need? That is your choice, but consider buying as high a limit as you can afford.

More choices the merrier

As you prepare to switch companies, make sure you don’t reduce coverage to reduce premium. There are many occasions where someone sacrificed collision coverage to discover at claim time that their decision to reduce coverage ended up costing them more. Your aim should be to buy the best coverage you can find at a price you can afford.

Discount 1999 Oldsmobile Eighty-Eight insurance is available from both online companies and with local insurance agents, so you should compare both to have the best rate selection. A few companies do not offer online price quotes and many times these smaller companies only sell through independent insurance agents.

Additional auto insurance information is available below: