8 Simple Methods to Reduce Oldsmobile Ninety Eight Insurance Rates

Searching for cheaper insurance for your Oldsmobile Ninety Eight can turn out to be a lot of work, but you can use these tips to make it easier.

There is a better way to shop for auto insurance so we’re going to tell you the best way to quote coverages for a Oldsmobile and find the best price possible from local insurance agents and online providers.

Shopping for lower auto insurance rates can be a lot of work if you don’t utilize the best way to get rate quotes. You could spend your day discussing policy coverages with agents in your area, or you could save time and use the web to get rate comparisons in just a few minutes.

All the larger companies participate in an industry program where prospective buyers only type in their quote data once, and each company returns a competitive quote. This eliminates the need for repetitive form submissions for every auto insurance company.

To submit your quote information now, click here (opens in new window).

One minor caviat to doing it this way is that consumers can’t choose which insurance companies to get quotes from. So if you want to select individual companies to compare prices, we put together a list of companies who write auto insurance in your area. Click here to view list.

It doesn’t matter which method you choose, just make darn sure you compare exactly the same coverages with every price quote. If you use different values for each quote it will be impossible to get a fair rate comparison. Slightly different coverage limits could skew the results. It’s important to know that comparing more quotes increases your odds of finding the best price. Not every company does online quotes, so you also need to get prices on coverage from those companies, too.

Auto insurance discounts help lower rates

Insurance can cost an arm and a leg, but you can get discounts to cut the cost considerably. Many of these discounts will be applied automatically when you quote, but a few need to be asked for before being credited.

Anti-theft System – Vehicles that have factory alarm systems and tracking devices are stolen less frequently and that can save you a little bit as well.
Telematics Discount – Drivers who agree to allow their insurance company to track when and where they use their vehicle by installing a telematics device such as Progressive’s Snapshot and State Farm’s In-Drive may see discounts if they are good drivers.
Low Mileage Discounts – Fewer annual miles on your Oldsmobile may allow you to get lower premium rates on the low mileage vehicles.
Accident Forgiveness – This isn’t a discount exactly, but a handful of insurance companies will let one accident slide before raising your premiums with the catch being you have to be claim-free before the accident.
Student Driver Training – Have your child take driver’s ed class if it’s offered in school.
Discounts for Government Workers – Federal government employees could qualify for a slight premium decrease on Ninety Eight insurance with a few auto insurance companies.
Discount for Good Grades – Getting good grades may save you up to 25%. You can use this discount normally up to age 25.
Home Ownership Discount – Being a homeowner can earn you a little savings due to the fact that maintaining a home is proof that your finances are in order.

Consumers should know that most discounts do not apply to the entire policy premium. Some only apply to the price of certain insurance coverages like medical payments or collision. So despite the fact that it appears you could get a free auto insurance policy, it’s just not the way it works.

Companies and a selection of discounts are detailed below.

State Farm may offer discounts for driver’s education, safe vehicle, passive restraint, multiple policy, and good student.
Nationwide offers discounts for family plan, good student, defensive driving, easy pay, Farm Bureau membership, multi-policy, and business or organization.
GEICO has discounts for air bags, driver training, multi-vehicle, seat belt use, and five-year accident-free.
AAA policyholders can earn discounts including multi-policy, education and occupation, pay-in-full, multi-car, good driver, good student, and anti-theft.
21st Century offers discounts including homeowners, theft prevention, 55 and older, early bird, anti-lock brakes, driver training, and student driver.
The Hartford offers premium reductions for anti-theft, defensive driver, driver training, vehicle fuel type, and air bag.

It’s a good idea to ask all the companies the best way to save money. Some of the earlier mentioned discounts might not be offered on policies in your area.

Can’t I compare rate quotes from local car insurance agents?

Some people prefer to have an agent’s advice and that can be a smart move A good thing about getting free rate quotes online is you can get the best rates and still have a local agent. Supporting neighborhood insurance agencies is especially important in smaller towns.

To make it easy to find an agent, after completing this quick form, your coverage information is sent to insurance agents that provide to get your business. You won’t need to search for an agent since rate quotes are delivered instantly to you. You can get cheaper auto insurance rates and a licensed agent to talk to. If you want to get a rate quote from one company in particular, don’t hesitate to go to their quote page and fill out their quote form. car insurance

If you are searching for a good insurance agency, there are a couple of different types of agents and how they can quote your rates. Auto insurance policy providers are considered either independent (non-captive) or captive.

Independent Agencies or Brokers

These type of agents are not required to write business for one company so they can quote policies through many companies depending on which coverage is best. If you want to switch companies, your agent can just switch to a different company and you won’t have to switch agencies.

When comparing auto insurance rates, you definitely need to check rates from a couple of independent agencies to ensure the widest selection of prices. Many write coverage with lesser-known insurance companies that many times have cheaper rates.

Captive Agencies

Captive insurance agents can only provide one company’s prices like AAA, State Farm, Farmers Insurance, and Allstate. Captive agents are unable to shop your coverage around so they have to upsell other benefits. Captive agencies are well trained on their company’s products and that allows them to sell at a higher price point. Consumers often choose to use a captive agent primarily because of the brand rather than low price.

To help find insurance agencies near you, you may want to visit this full listing of insurance agents in your state.

Picking the best insurance agent shouldn’t rely on just the price. Any agent should be forthright in answering these questions:

What are their preferred companies if they are an independent agency?
Do they review policy coverages at every renewal?
Will their companies depreciate repairs to your car based on the mileage?
Do they get extra compensation for selling add-on coverages?
Are claim adjusters local or do you have to take your car somewhere else?
Are there any discounts for paying up front?
Will they give you a referral list?
Are they primarily personal or commercial lines agents?

Car insurance coverages for an Oldsmobile Ninety Eight

Knowing the specifics of your auto insurance policy helps when choosing the best coverages and the correct deductibles and limits. Policy terminology can be ambiguous and reading a policy is terribly boring.

Coverage for uninsured or underinsured drivers

This protects you and your vehicle’s occupants when other motorists either are underinsured or have no liability coverage at all. It can pay for medical payments for you and your occupants and also any damage incurred to your Oldsmobile Ninety Eight.

Due to the fact that many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is very important. Frequently your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Comprehensive auto insurance

This covers damage OTHER than collision with another vehicle or object. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things such as damage from a tornado or hurricane, vandalism, theft and damage from getting keyed. The maximum amount your auto insurance company will pay is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Coverage for medical expenses

Med pay and PIP coverage provide coverage for short-term medical expenses such as hospital visits, doctor visits, chiropractic care and prosthetic devices. They can be used to fill the gap from your health insurance policy or if you lack health insurance entirely. It covers all vehicle occupants and also covers if you are hit as a while walking down the street. PIP is not universally available but it provides additional coverages not offered by medical payments coverage

Liability car insurance

Liability insurance provides protection from injuries or damage you cause to people or other property in an accident. Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see values of 100/300/100 that means you have a $100,000 limit per person for injuries, a limit of $300,000 in injury protection per accident, and a limit of $100,000 paid for damaged property. Another option is one limit called combined single limit (CSL) that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability coverage protects against claims like bail bonds, funeral expenses, repair bills for other people’s vehicles and medical services. How much coverage you buy is your choice, but consider buying as much as you can afford.

Auto collision coverage

This coverage covers damage to your Ninety Eight caused by collision with another vehicle or an object, but not an animal. You have to pay a deductible and then insurance will cover the remainder.

Collision insurance covers claims like damaging your car on a curb, crashing into a building and crashing into a ditch. This coverage can be expensive, so consider dropping it from vehicles that are 8 years or older. You can also choose a higher deductible to bring the cost down.

Better coverage you can count on

As you go through the steps to switch your coverage, it’s not a good idea to reduce coverage to reduce premium. There are too many instances where someone dropped liability coverage limits and learned later they didn’t purchase enough coverage. The proper strategy is to purchase a proper amount of coverage for the lowest cost and still be able to protect your assets.

In this article, we presented many ideas to save on Oldsmobile Ninety Eight insurance. It’s most important to understand that the more rate quotes you have, the higher your chance of finding . Consumers may even find the most savings is with a smaller regional carrier.

People leave their current company for any number of reasons including not issuing a premium refund, denial of a claim, being labeled a high risk driver and an unsatisfactory settlement offer. Regardless of your reason, finding the right auto insurance provider can be less work than you think.