Vehicles > Oldsmobile > Ninety-Eight

Oldsmobile Ninety-Eight Insurance Rates

Drivers have lots of options when insurance shopping for your Oldsmobile vehicle. You can buy from your neighborhood insurance agent or go online to compare pricing from car insurance companies. Comparing auto insurance from online rate quotes can be fast and easy, plus you will probably save money.

If you've never shopped for auto insurance online, you may be overwhelmed by the hoards of online companies competing for your business. Cutting your Ninety-Eight insurance cost doesn't have to be difficult. Drivers just need to take a couple of minutes comparing rates provided by online insurance companies. This can be done by visiting this page.

Rates are determined by...

Insurance rates paid to insure a Oldsmobile Ninety-Eight can be significantly different depending on several factors. Including but not limited to:

  • Higher performance Ninety-Eight vehicles cost more
  • How many accidents you have had
  • Home and auto can earn discounts
  • How you use your vehicle
  • Add-on coverages such as rental reimbursement
  • No claims lowers premiums
  • Maintaining coverage lowers rates
  • Home ownership saves money

One last important factor that can impact the rate you pay on your Oldsmobile is the year of manufacture. A newer vehicle have a higher value so the cost to replace them may end up costing you more. But more recent Oldsmobile vehicles may have options including an advanced theft deterrent system, adaptive cruise control, active head restraints, and a telematics system that may help provide discounts that lower premiums.

To get more specific information about how much rates will be for your vehicle, select the year of your Ninety-Eight from the list below.

Liability insurance - This coverage will cover damage or injury you incur to a person or their property. Liability coverage protects against claims like pain and suffering, repair costs for stationary objects, and legal defense fees. Coverage is generally pretty cheap so purchase as large an amount as possible.

Collision - This coverage will pay to fix damage to your Oldsmobile from colliding with a stationary object or other vehicle. You first must pay a deductible then your collision coverage will kick in. This coverage can be expensive, so you might think about dropping it from vehicles that are 8 years or older. Another option is to choose a higher deductible to save money on collision insurance.

Comprehensive protection - This will pay to fix damage from a wide range of events other than collision. A deductible will apply then the remaining damage will be covered by your comprehensive coverage. The highest amount your auto insurance company will pay is the ACV or actual cash value, so if the vehicle is not worth much it's not worth carrying full coverage.

UM/UIM Coverage - Uninsured or Underinsured Motorist coverage gives you protection when the "other guys" are uninsured or don't have enough coverage. Because many people only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is a good idea.

Medical expense coverage - Personal Injury Protection (PIP) and medical payments coverage pay for immediate expenses for things like EMT expenses, pain medications, and nursing services. The coverages can be used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. Personal Injury Protection is only offered in select states but can be used in place of medical payments coverage.

How Much are Oldsmobile Ninety-Eight Insurance Rates?