1992 Oldsmobile Ninety-Eight Insurance Rates – 10 Discounts for Cheaper Quotes

Drivers have lots of choices when trying to find the best price on Oldsmobile Ninety-Eight insurance. They can either spend hours contacting agents to get rate comparisons or save time using the internet to make rate comparisons. There are more efficient ways to shop for auto insurance and you need to know the quickest way to price shop coverage for a new or used Oldsmobile and locate the lowest price from both online companies and local agents.

Smart consumers take time to take a look at other company’s rates periodically since rates are adjusted regularly by insurance companies. Even if you think you had the best rates on Ninety-Eight insurance last year a different company probably has better rates today. Forget anything you know (or think you know) about auto insurance because you’re about to learn one of the quickest ways to get good coverage at a lower rate.

If you have a policy now or are shopping for new coverage, you can follow these tips to find the best rates and possibly find even better coverage. The purpose of this article is to tell you the most effective way to quote insurance and some tips to save money. Drivers only need to know the best way to get comparison rates on the web.

You probably qualify for some discounts

Companies don’t always list all available discounts in a way that’s easy to find, so we researched both the well known as well as the least known insurance coverage savings. If you aren’t receiving every discount possible, you’re paying more than you need to.

  • Own a Home – Simply owning a home can save you money due to the fact that maintaining a home shows financial diligence.
  • Accident Free – Drivers with accident-free driving histories pay less when compared to accident-prone drivers.
  • Good Student – Performing well in school can be rewarded with saving of up to 25%. The discount lasts well after school through age 25.
  • Senior Discount – If you’re over the age of 55, you can possibly qualify for reduced rates on Ninety-Eight insurance.
  • Multi-policy Discount – When you combine your home and auto insurance with one insurance company you could get a discount of at least 10% off all policies.
  • Drive Less and Save – Driving fewer miles can qualify you for a substantially lower rate.
  • Discount for New Cars – Buying coverage on a new vehicle is cheaper since new cars are generally safer.
  • Clubs and Organizations – Belonging to a civic or occupational organization could trigger savings on insurance coverage on Ninety-Eight insurance.
  • Defensive Driving Course – Successfully completing a defensive driving course could possibly earn you a 5% discount depending on where you live.
  • Early Signing – Some companies give discounts for switching to them prior to your current policy expiring. This can save 10% or more.

It’s important to note that some credits don’t apply to your bottom line cost. A few only apply to specific coverage prices like comprehensive or collision. So when the math indicates you could get a free insurance coverage policy, you’re out of luck.

To see a list of insurance companies with the best insurance coverage discounts, click here.

Fast and Easy Insurance Coverage Quotes

Most companies provide pricing online. This process is quite easy as you just enter the coverage amounts you desire into a form. Upon sending the form, the system obtains information on your driving record and credit history and returns pricing information.

Being able to quote online streamlines rate comparisons, but having to visit several different sites and enter the same data into a form is repetitive and time-consuming. But it’s absolutely necessary to do this in order to find the lowest insurance coverage rates.

The preferred way to lower your insurance coverage bill uses one simple form that gets price quotes from more than one company. This type of form saves time, requires less work, and makes online quotes much simpler. After sending your information, it is rated and you can select any of the returned quotes. If one or more price quotes are lower than your current rates, you can click and sign and buy the policy. The entire process takes 15 minutes at the most and you will find out if you’re overpaying now.

To quickly compare pricing, click here and enter your information. If you have your current policy handy, we recommend you type in the insurance coverages just like they are on your policy. Doing this assures you will have a rate comparison for similar coverage.

There’s no such thing as the perfect policy

When it comes to choosing adequate coverage, there is no perfect coverage plan. Every insured’s situation is different.

Here are some questions about coverages that can help discover whether your personal situation will benefit from professional help.

  • Is extra glass coverage worth it?
  • Can I make deliveries for my home business?
  • Am I covered if I hit my neighbor’s mailbox?
  • How much liability insurance is required?
  • Which is better, split liability limits or combined limits?
  • Is my dog or cat covered if injured in an accident?
  • Why am I be forced to buy a membership to get insurance from some companies?

If it’s difficult to answer those questions but you think they might apply to your situation, you may need to chat with an agent. To find an agent in your area, fill out this quick form. It’s fast, doesn’t cost anything and can help protect your family.

Car insurance coverages for a 1992 Oldsmobile Ninety-Eight

Having a good grasp of your policy aids in choosing appropriate coverage for your vehicles. The coverage terms in a policy can be impossible to understand and reading a policy is terribly boring.

Comprehensive coverage – Comprehensive insurance covers damage OTHER than collision with another vehicle or object. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive insurance covers things such as fire damage, hitting a bird, falling objects and vandalism. The highest amount a car insurance company will pay at claim time is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Collision coverages – This coverage pays for damage to your Ninety-Eight resulting from a collision with another car or object. A deductible applies then the remaining damage will be paid by your insurance company.

Collision can pay for things like scraping a guard rail, driving through your garage door, backing into a parked car, sideswiping another vehicle and sustaining damage from a pot hole. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from lower value vehicles. It’s also possible to increase the deductible in order to get cheaper collision rates.

Uninsured/Underinsured Motorist coverage – Your UM/UIM coverage protects you and your vehicle’s occupants when the “other guys” are uninsured or don’t have enough coverage. Covered losses include hospital bills for your injuries and damage to your Oldsmobile Ninety-Eight.

Since a lot of drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is very important.

Medical payments coverage and PIP – Personal Injury Protection (PIP) and medical payments coverage kick in for bills for things like funeral costs, X-ray expenses and EMT expenses. They are used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover not only the driver but also the vehicle occupants in addition to being hit by a car walking across the street. PIP coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Liability car insurance – Liability insurance will cover injuries or damage you cause to a person or their property by causing an accident. This insurance protects YOU against other people’s claims, and 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. You commonly see limits of 50/100/50 which means $50,000 in coverage for each person’s injuries, a total of $100,000 of bodily injury coverage per accident, and property damage coverage for $50,000.

Liability can pay for claims such as loss of income, court costs and attorney fees. How much coverage you buy is a personal decision, but consider buying as high a limit as you can afford.

What is YOUR best insurance company?

As you prepare to switch companies, don’t be tempted to buy less coverage just to save a little money. In too many instances, an accident victim reduced collision coverage only to regret they didn’t purchase enough coverage. Your strategy should be to buy a smart amount of coverage for the lowest price while not skimping on critical coverages.

Low-cost 1992 Oldsmobile Ninety-Eight insurance can be found on the web and with local insurance agents, so you should be comparing quotes from both to have the best chance of lowering rates. A few companies do not offer you the ability to get quotes online and most of the time these regional insurance providers sell through independent agents.

People change insurance companies for any number of reasons including delays in responding to claim requests, not issuing a premium refund, policy non-renewal and even delays in paying claims. Regardless of your reason, finding the right auto insurance provider is less work than it seems.

Additional auto insurance information can be found at the links below