Trying to find cheaper insurance coverage rates? Buyers have options when searching for affordable Oldsmobile Ninety-Eight insurance. You can either waste hours calling around to get rate comparisons or leverage the internet to find the lowest rates.
There is a right way and a wrong way to shop for insurance coverage so we’re going to tell you the proper way to quote coverages for your Oldsmobile and get the cheapest rates.
It’s a good idea to price shop coverage once or twice a year because prices are constantly changing. If you had the lowest price for Ninety-Eight insurance two years ago there may be better deals available now. So block out anything you think you know about insurance coverage because I’m going to teach you the right way to lower your annual insurance bill.
There are a lot of ways to compare auto insurance prices but some are less labor-intensive and much quicker. You could waste a few hours talking to local insurance agents in your area, or you could use the internet to get pricing more quickly.
Most of the best insurance companies participate in an industry program that enables customers to only type in their quote data once, and each participating company then returns a price quote based on the submitted data. This eliminates the need for quote forms to each company.
To get comparison pricing now click here to open in new window.
One minor caviat to getting quotes like this is that you can’t choose which insurance companies you will receive quotes from. So if you want to select from a list of companies to compare, we have a page of auto insurance companies in your area. Click here to view list.
Whichever method you choose, double check that you are using apples-to-apples coverage limits and deductibles for every quote you compare. If you enter higher or lower deductibles it will be very difficult to find the best deal for your Oldsmobile Ninety-Eight.
The cost of insuring your cars can be expensive, but you can get discounts that you may not even be aware of. Larger premium reductions will be automatically applied at the time of quoting, but a few need to be inquired about before you get the savings. If they aren’t giving you every credit available, you’re paying more than you need to.
As a disclaimer on discounts, some of the credits will not apply to the overall cost of the policy. Some only apply to individual premiums such as liability, collision or medical payments. So when the math indicates having all the discounts means you get insurance for free, companies wouldn’t make money that way. Any qualifying discounts will bring down the amount you have to pay.
For a list of insurance companies with the best insurance discounts, click here.
When buying coverage for your personal vehicles, there really is no one size fits all plan. Everyone’s needs are different.
For example, these questions could help you determine whether you could use an agent’s help.
If you can’t answer these questions but you think they might apply to your situation then you might want to talk to an agent. To find an agent in your area, complete this form. It’s fast, free and can provide invaluable advice.
Understanding the coverages of your auto insurance policy aids in choosing the best coverages at the best deductibles and correct limits. The coverage terms in a policy can be impossible to understand and reading a policy is terribly boring.
Coverage for uninsured or underinsured drivers – Uninsured or Underinsured Motorist coverage gives you protection when the “other guys” either are underinsured or have no liability coverage at all. Covered claims include medical payments for you and your occupants as well as your vehicle’s damage.
Because many people only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. So UM/UIM coverage should not be overlooked. Usually these coverages are identical to your policy’s liability coverage.
Coverage for medical expenses – Personal Injury Protection (PIP) and medical payments coverage kick in for short-term medical expenses for things like hospital visits, X-ray expenses and funeral costs. They can be used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover you and your occupants in addition to being hit by a car walking across the street. PIP coverage is not available in all states and may carry a deductible
Collision coverage – Collision insurance will pay to fix damage to your Ninety-Eight resulting from a collision with another vehicle or an object, but not an animal. You will need to pay your deductible then your collision coverage will kick in.
Collision can pay for claims like backing into a parked car, sustaining damage from a pot hole, hitting a parking meter and sideswiping another vehicle. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from older vehicles. It’s also possible to bump up the deductible in order to get cheaper collision rates.
Coverage for liability – This protects you from damage that occurs to a person or their property by causing an accident. It protects YOU against claims from other people, and does not provide coverage for your injuries or vehicle damage.
Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see liability limits of 100/300/100 which means a $100,000 limit per person for injuries, $300,000 for the entire accident, and a total limit of $100,000 for damage to vehicles and property. Some companies may use one limit called combined single limit (CSL) which provides one coverage limit with no separate limits for injury or property damage.
Liability can pay for things like structural damage, pain and suffering, medical services, attorney fees and legal defense fees. How much liability coverage do you need? That is your choice, but consider buying higher limits if possible.
Comprehensive auto insurance – This pays to fix your vehicle from damage that is not covered by collision coverage. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.
Comprehensive can pay for claims like a tree branch falling on your vehicle, falling objects, damage from a tornado or hurricane and fire damage. The highest amount you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.