Save on 1992 Oldsmobile Ninety-Eight Insurance Rates

Finding better insurance prices for a new or used Oldsmobile Ninety-Eight could be a lot of work, but you can use these tips to find lower rates. There is a better way to compare insurance rates and we’ll show you the quickest way to get price quotes for a Oldsmobile and locate the lowest price from local insurance agents and online providers.

How to buy car insurance online

Comparing car insurance rates can be a lot of work if you don’t know the most efficient way. You could spend your day driving to local insurance agents in your area, or you can stay home and use the internet to maximize your effort.

Most major companies are enrolled in a marketplace that enables customers to only type in their quote data once, and each participating company then gives them pricing determined by their information. This prevents consumers from doing form submissions to each company. To submit your quote information now, click here to open in new window.

The single downside to pricing coverage this way is you don’t know exactly the companies you will receive quotes from. If you wish to select individual companies to compare, we put together a list of low cost car insurance companies in your area. Click to view list.

However you get your quotes, make sure you are using the same deductibles and coverage limits for each quote you get. If the quotes have different deductibles it will be impossible to get a fair rate comparison.

When in doubt talk to an agent

When choosing the best insurance coverage coverage, there really is no one size fits all plan. Everyone’s situation is a little different.

Here are some questions about coverages that could help you determine if your situation could use an agent’s help.

  • Is my trailer covered?
  • Is other people’s property covered if stolen from my vehicle?
  • When do I need to add a new car to my policy?
  • Am I covered if I wreck a rental car?
  • What happens if I owe more than my 1992 Oldsmobile Ninety-Eight is worth?
  • If I drive on a suspended license am I covered?

If you can’t answer these questions, then you may want to think about talking to an insurance agent. To find an agent in your area, take a second and complete this form. It only takes a few minutes and you can get the answers you need.

Learn about insurance coverages for a 1992 Oldsmobile Ninety-Eight

Learning about specific coverages of your policy helps when choosing appropriate coverage at the best deductibles and correct limits. Policy terminology can be confusing and reading a policy is terribly boring.

Medical payments coverage and PIP

Medical payments and Personal Injury Protection insurance kick in for expenses like rehabilitation expenses, dental work, X-ray expenses and prosthetic devices. The coverages can be used in conjunction with a health insurance plan or if you lack health insurance entirely. Medical payments and PIP cover all vehicle occupants and also covers getting struck while a pedestrian. Personal injury protection coverage is not universally available but can be used in place of medical payments coverage

Auto collision coverage

This pays for damage to your Ninety-Eight resulting from colliding with another car or object. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things like backing into a parked car, crashing into a ditch, crashing into a building, colliding with another moving vehicle and colliding with a tree. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Another option is to bump up the deductible to bring the cost down.

Comprehensive coverage

This coverage pays for damage from a wide range of events other than collision. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive can pay for claims like rock chips in glass, a tree branch falling on your vehicle and theft. The highest amount your insurance company will pay is the ACV or actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Uninsured/Underinsured Motorist coverage

This coverage provides protection from other drivers when they either are underinsured or have no liability coverage at all. Covered losses include medical payments for you and your occupants and also any damage incurred to your Oldsmobile Ninety-Eight.

Because many people have only the minimum liability required by law, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is very important.

Auto liability

Liability insurance can cover damage that occurs to other people or property in an accident. This coverage protects you against claims from other people, and doesn’t cover your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show liability limits of 25/50/25 which means a $25,000 limit per person for injuries, $50,000 for the entire accident, and property damage coverage for $25,000.

Liability can pay for claims like emergency aid, repair costs for stationary objects, structural damage and medical expenses. How much coverage you buy is up to you, but you should buy as high a limit as you can afford.