How Much Does 1996 Oldsmobile Ninety-Eight Insurance Cost?

Want the cheapest car insurance rates? Drivers have many options when trying to find affordable Oldsmobile Ninety-Eight insurance. They can either waste time struggling with agents getting price quotes or utilize the internet to get rate quotes. There is a better way to compare car insurance rates and you need to know the best way to price shop coverage for a Oldsmobile and obtain the best price possible from local insurance agents and online providers.

Choosing the best insurance company for you is not rocket science. If you currently have a car insurance policy, you will most likely be able to cut costs considerably using this strategy. Vehicle owners just need to learn the tricks to buy insurance coverage online.

Auto Insurance Prices Online

Finding a better price on auto insurance is actually quite simple. Just take time comparing rate quotes online from several insurance companies. This can be done in a couple of different ways.

1. The recommended way to get the best comparison quotes is an all-inclusive rate comparison click to view form in new window. This easy form prevents you from having to do repetitive form entry for each company you want a rate for. A single, simple form will get you rate comparisons instantly. This is by far the quickest method.
2. A more time consuming way to find lower rates consists of going to the website for every company you want to comare to complete their respective quote request forms. For examples sake, we’ll assume you want to compare rates from Allstate, Safeco and Travelers. To get each rate you have to take the time to go to each site and enter your policy data, which is why most consumers use the first method.

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

3. The hardest method to compare rates is driving around to insurance agents’ offices. The ability to buy insurance online has reduced the need for local agents unless you require the professional advice that only a license agent can provide. Drivers can comparison shop online and get advice from an agent in your area and we’ll touch on that later.

Whichever way you use, be sure to compare apples-to-apples quote information for every quote you compare. If you use unequal deductibles or liability limits it’s impossible to truly determine the lowest rate.

Do I just need basic coverages?

When it comes to buying proper insurance coverage, there really is no “best” method to buy coverage. Everyone’s situation is a little different.

Here are some questions about coverages that could help you determine if you would benefit from an agent’s advice.

• When should I buy a commercial auto policy?
• What companies insure drivers after a DUI or DWI?
• Does my liability insurance cover pulling a trailer or camper?
• How high should my uninsured/underinsured coverage be in my state?
• Who is covered by my policy?
• Do I benefit by insuring my home with the same company?
• Do I pay less if my vehicle is kept in my garage?
• Do I have coverage for damage caused while driving under the influence?
• Is my babysitter covered when using my vehicle?

If you’re not sure about those questions but you think they might apply to your situation then you might want to talk to an insurance agent. If you want to speak to an agent in your area, take a second and complete this form. It is quick, free and may give you better protection.

Specifics of your auto insurance policy

Having a good grasp of auto insurance can help you determine appropriate coverage and the correct deductibles and limits. Policy terminology can be difficult to understand and reading a policy is terribly boring.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance coverage pays for damage from a wide range of events other than collision. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers things like hail damage, damage from flooding and falling objects. The most your auto insurance company will pay is the market value of your vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

Uninsured Motorist or Underinsured Motorist insurance

This provides protection from other drivers when they do not carry enough liability coverage. This coverage pays for injuries sustained by your vehicle’s occupants as well as damage to your Oldsmobile Ninety-Eight.

Since many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is a good idea.

Insurance for medical payments

Med pay and PIP coverage provide coverage for expenses like nursing services, hospital visits, surgery, dental work and EMT expenses. They are used to fill the gap from your health insurance program or if you lack health insurance entirely. They cover both the driver and occupants and also covers if you are hit as a while walking down the street. PIP is not an option in every state but it provides additional coverages not offered by medical payments coverage

Auto liability

Liability coverage protects you from damage or injury you incur to people or other property by causing an accident. This coverage protects you against claims from other people. Liability doesn’t cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show policy limits of 50/100/50 which stand for a limit of $50,000 per injured person, $100,000 for the entire accident, and a limit of $50,000 paid for damaged property.

Liability coverage protects against claims like emergency aid, attorney fees, loss of income and medical services. How much liability should you purchase? That is a personal decision, but you should buy as large an amount as possible.

Auto collision coverage

This pays for damage to your Ninety-Eight resulting from colliding with another car or object. You have to pay a deductible then your collision coverage will kick in.

Collision can pay for claims such as driving through your garage door, colliding with another moving vehicle, colliding with a tree and sideswiping another vehicle. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are 8 years or older. It’s also possible to raise the deductible to save money on collision insurance.