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Oldsmobile Eighty-Eight Insurance Rates

You have lots of choices when comparing insurance rates on your Oldsmobile vehicle. You can buy direct from your neighborhood insurance agent or price shop online to compare rates from many different car insurance companies. Comparing car insurance through online rate quotes is simple to do and at the same time you will probably save money.

Using the web to shop for car insurance direct is challenging if you have never used online rate quotes. Don't let that stop you because there is an easy way to compare rates. To find the best car insurance prices, there are several ways of comparing rates from different insurance companies. One of the best ways to compare Eighty-Eight insurance cost involves getting comparison quotes online. It is quite easy and can be accomplished by comparing rates here.

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What influences the rate you pay?

Insurance rates for your Oldsmobile Eighty-Eight will vary greatly subject to many criteria. Taken into consideration are:

  • More performance equals higher cost
  • Your accident history
  • Home and auto can earn discounts
  • Pleasure, commuting or business use can affect rates
  • Your birth date
  • Whether you are married
  • Special coverage such as replacement cost
  • Your profession
  • The level of coverage
  • Whether you rent or own your home

One last important factor that can impact the rate you pay on your Oldsmobile is the year of manufacture. Used vehicles have a reduced actual cash value so the payout to repair can decrease annual premiums. Conversely, newer vehicles may have options such as autonomous braking, automatic crash notification, sideview assist mirrors, and adaptive headlights so those may lower rates.

To get a better idea how much rates will be for your vehicle, select the year of your Eighty-Eight from available model years below.

Auto liability - Eighty-Eight liability coverage can cover damages or injuries you inflict on other's property or people. Liability insurance covers things such as emergency aid, pain and suffering, and medical services. This coverage is usually fairly inexpensive so purchase as much as you can afford.

Collision coverages - This coverage covers damage to your Oldsmobile resulting from colliding with an object or car. You have to pay a deductible and the rest of the damage will be paid by collision coverage. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are 8 years or older. You can also choose a higher deductible to bring the cost down.

Comprehensive auto coverage - Comprehensive insurance coverage pays for damage that is not covered by collision coverage. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage. The maximum amount you can receive from a comprehensive claim is the market value of your vehicle, so if it's not worth much more than your deductible it's probably time to drop comprehensive insurance.

Uninsured and underinsured coverage - This protects you and your vehicle's occupants from other drivers when they either are underinsured or have no liability coverage at all. Because many people only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is a good idea.

Medical payments and PIP coverage - Coverage for medical payments and/or PIP reimburse you for expenses for things like doctor visits, EMT expenses, and X-ray expenses. They are often utilized in addition to your health insurance plan or if you do not have health coverage. Personal injury protection coverage is not an option in every state and gives slightly broader coverage than med pay.

How Much are Oldsmobile Eighty-Eight Insurance Rates?