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Oldsmobile Ninety-Eight Insurance Rates

Buying car insurance by comparing rates online is easy and at the same time you will probably save money. The key is to compare as many rate quotes as possible so you can get the cheapest rate quotes.

People who are new to comparison shopping may think buying cheap Ninety-Eight insurance is going to be difficult. To find the best car insurance prices, there are several ways to get quotes and find the best price. The recommended way to find competitive Ninety-Eight insurance cost is to get quotes online. It is quite easy and can be accomplished by completing this short form.

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What factors impact the rate you pay?

Insurance rates for a Oldsmobile Ninety-Eight will vary greatly based upon several criteria. Taken into consideration are:

  • Your driving record
  • Your credit history
  • Men typically pay more than women
  • Low deductibles cost more
  • Your vehicle's safety rating
  • Your profession
  • Insurance coverage level
  • Whether you rent or own your home

One last important factor that helps determine the rate you pay on your Oldsmobile is the year of manufacture. Older models have a reduced actual cash value so repair costs tend to be lower which will push premiums down. Although more recent Oldsmobile vehicles may have options included like a backup camera, an advanced theft deterrent system, dual-stage airbags, and pedestrian detection so those may give discounted rates.

To get a better understanding how rates are influenced for your specific model year, select the year of your vehicle from available model years below.

Auto liability insurance - Liability insurance will cover damages or injuries you inflict on other people or property in an accident. Liability insurance covers things such as emergency aid, pain and suffering, and medical services. Liability insurance is relatively cheap so purchase as much as you can afford.

Collision coverage - Collision insurance will pay to fix damage to your Oldsmobile caused by collision with an object or car. You have to pay a deductible and then insurance will cover the remainder. Ninety-Eight collision insurance is rather expensive coverage, so consider dropping it from vehicles that are 8 years or older. It's also possible to choose a higher deductible in order to get cheaper Ninety-Eight insurance rates.

Comprehensive insurance - Comprehensive insurance pays to fix your vehicle from damage that is not covered by collision coverage. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage. The maximum amount you can receive from a comprehensive claim is the actual cash value, so if the vehicle's value is low it's not worth carrying full coverage.

Uninsured/Underinsured Motorist coverage - This protects you and your vehicle from other motorists when they are uninsured or don't have enough coverage. Since many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is very important.

Med pay and Personal Injury Protection (PIP) - Personal Injury Protection (PIP) and medical payments coverage provide coverage for expenses for things like doctor visits, EMT expenses, and X-ray expenses. They are used to fill the gap from your health insurance plan or if you are not covered by health insurance. PIP is only offered in select states but it provides additional coverages not offered by medical payments coverage.

How Much are Oldsmobile Ninety-Eight Insurance Rates?