Saving money on car insurance is hard for consumers new to shopping for insurance online. Consumers have so many choices that it can turn into a real hassle to find lower rates.
There are a variety of methods to shop for 1993 Oldsmobile Ninety-Eight auto insurance, and some are less time-consuming than others. You can spend your afternoon talking to local insurance agents in your area, or you can stay home and use the web to get pricing more quickly.
Many insurance companies belong to an insurance system where prospective buyers send in one quote, and each participating company then returns a price quote based on that data. This saves time by eliminating quotation requests for each company.
To find out what other companies charge for 1993 Oldsmobile Ninety-Eight insurance click here (opens in new window).
The single downside to doing it this way is that you can’t choose which companies to receive prices from. So if you want to select specific insurance companies to compare, we have a listing of low cost auto insurance companies in your area. Click here for list of insurance companies.
However you get your quotes, compare exactly the same deductibles and coverage limits on every quote you get. If you have unequal deductibles or liability limits it’s not possible to make a fair comparison for your Oldsmobile Ninety-Eight. Quoting even small variations in limits could mean much higher rates. Just keep in mind that obtaining a wide range of quotes provides better odds of finding a better price.
When choosing proper insurance coverage, there really is not a cookie cutter policy. Your needs are not the same as everyone else’s.
Here are some questions about coverages that may help you determine if you might need professional guidance.
If you can’t answer these questions then you might want to talk to a licensed agent. To find lower rates from a local agent, simply complete this short form.
Understanding the coverages of auto insurance aids in choosing which coverages you need at the best deductibles and correct limits. Policy terminology can be impossible to understand and even agents have difficulty translating policy wording.
Comprehensive or Other Than Collision
This covers damage that is not covered by collision coverage. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.
Comprehensive insurance covers things like damage from getting keyed, rock chips in glass and hitting a bird. The maximum payout a auto insurance company will pay at claim time is the actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.
Collision coverage pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. A deductible applies and the rest of the damage will be paid by collision coverage.
Collision coverage pays for things like colliding with another moving vehicle, backing into a parked car, crashing into a building and sideswiping another vehicle. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Another option is to increase the deductible in order to get cheaper collision rates.
This can cover damage that occurs to other’s property or people. This insurance protects YOU against claims from other people, and doesn’t cover your own vehicle damage or injuries.
Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see liability limits of 25/50/25 that means you have $25,000 in coverage for each person’s injuries, a per accident bodily injury limit of $50,000, and a total limit of $25,000 for damage to vehicles and property.
Liability coverage pays for things like funeral expenses, attorney fees, repair costs for stationary objects, emergency aid and court costs. How much coverage you buy is a personal decision, but buy as high a limit as you can afford.
Medical costs insurance
Medical payments and Personal Injury Protection insurance provide coverage for immediate expenses for X-ray expenses, surgery, prosthetic devices and chiropractic care. They are used in conjunction with a health insurance program or if you lack health insurance entirely. Coverage applies to all vehicle occupants and also covers any family member struck as a pedestrian. PIP is not universally available but it provides additional coverages not offered by medical payments coverage
Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when other motorists either have no liability insurance or not enough. Covered claims include hospital bills for your injuries and also any damage incurred to your 1993 Oldsmobile Ninety-Eight.
Due to the fact that many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage should not be overlooked.