Cheap 1993 Oldsmobile Ninety-Eight Insurance Cost

Price shopping your Driversinsurance can be difficult for people new to online comparison shopping. With so many options of insurance companies available, it can be a real hassle to find a more affordable company.

If you currently have a car insurance policy, you will be able to cut costs considerably using these methods. This information will teach you the most effective way to quote insurance. But car owners must know how big insurance companies sell online because it can help you find the best coverage.

Shop insurance online

Many insurance companies give prices for coverage on their websites. Comparing rates online is possible for anyone because it’s just a matter of typing in your personal and coverage information on the page. Behind the scenes, their quoting system collects credit information and your driving record and quotes a price based on the information you submitted.

Quoting online makes it simple to compare prices but the process of having to visit different websites and complete many quote forms is monotonous and tiresome. But it’s also necessary to perform this step if you are searching for the best price possible.

The preferred way to find cheaper rates utilizes a single form to get prices from a bunch of companies at once. It’s a real time-saver, requires much less work on your part, and makes comparison shopping much more enjoyable. As soon as the form is sent, it gets priced and you can select your choice of the price quotes you receive.

If you find a better price you can simply submit the application and purchase the new policy. This process just takes a couple of minutes and can result in significant savings.

If you want to find out if lower rates are available, simply click here to open in new window and submit your coverage information. If you currently have coverage, we recommend you duplicate the coverages exactly as shown on your declarations page. Doing this guarantees you will have an apples-to-apples comparison based on similar coverages.

What determines Oldsmobile Ninety-Eight insurance rates?

Many different elements are used in the calculation when pricing auto insurance. Most are fairly basic such as your driving record, but some are not quite as obvious like your vehicle usage or your commute time.

The list below includes some of the most common factors auto insurance companies consider when setting your rates.

  • Avoid auto insurance lapses – Driving without insurance can get you a ticket and as a result your rates will increase for letting your insurance lapse. In addition to paying higher rates, the inability to provide proof of insurance will get you a steep fine or even jail time. Then you may be required to prove you have insurance by filing a SR-22 with your state motor vehicle department to get your license reinstated.
  • Gender as a rate factor – Over the last 50 years, statistics have shown that females take fewer risks when driving. The data does not necessarily mean that men are worse drivers. Men and women have at-fault accidents in similar percentages, but men have costlier accidents. In addition to higher claims, males also get cited for more serious violations such as DWI and reckless driving.
  • Stay claim-free and save – If you are a frequent claim filer, you can definitely plan on either a policy non-renewal or much higher rates. Car insurance companies provide discounts to policyholders who do not file claims often. Your car insurance is intended for larger claims.
  • Lower rates for safer cars – Cars with five star safety ratings tend to have lower insurance rates. These vehicles protect occupants better and fewer serious injuries means your insurance company pays less which can result in lower premiums. If your Oldsmobile Ninety-Eight has ratings of a minimum four stars on Safercar.gov or an “acceptable” rating on iihs.org it may be receiving lower rates.
  • Pay more of a claim out-of-pocket – Insurance for physical damage, commonly called comprehensive (or other-than-collision) and collision coverage, helps pay for damage to your vehicle. Some examples of covered claims could be a broken windshield, hitting a deer, and rolling your vehicle. Comprehensive and collision coverage deductibles tell how much you are required to spend if a claim is determined to be covered. The larger the amount you have to pay, the better rate you will receive on Ninety-Eight coverage.
  • Better credit means lower costs – Your credit rating is a big factor in calculating your premium rate. Consumers who have high credit ratings tend to be better risks to insure than drivers who have poor credit. If your credit history is not that good, you could be paying less to insure your 1993 Oldsmobile Ninety-Eight by taking the time to improve your credit score.
  • Being married brings a discount – Walking down the aisle helps lower the price on your policy. Having a spouse is viewed as being less irresponsible and it’s proven that drivers who are married are more cautious.

Cheaper car insurance quotes with discounts

Car insurance companies don’t always list every available discount very clearly, so we took the time to find both well-publicized and the more hidden credits available to you.

  • Bundled Policy Discount – If you can combine your auto and home policy with one company you will save approximately 10% to 15%.
  • Drive Less and Save – Keeping the miles down on your Oldsmobile could qualify for lower car insurancerates on the low mileage vehicles.
  • Home Ownership Discount – Owning a home can earn you a little savings because it demonstrates responsibility.
  • Anti-lock Brake Discount – Vehicles with anti-lock braking systems have fewer accidents so companies give up to a 10% discount.
  • Drivers Education – Require your teen driver to enroll in driver’s education if offered at their school.
  • Pay Early and Save – If you can afford to pay the entire bill rather than spreading payments over time you can actually save on your bill.
  • Distant Student Discount – Kids who live away from home at college and do not have access to a covered vehicle can be insured at a reduced rate.

Keep in mind that some of the credits will not apply to the entire policy premium. Most only reduce specific coverage prices like comprehensive or collision. So even though you would think you would end up receiving a 100% discount, companies don’t profit that way.

To find companies that offer multiple discounts, follow this link.

Tailor your insurance coverage to you

When it comes to buying the best insurance coverage for your personal vehicles, there isn’t really a single plan that fits everyone. Coverage needs to be tailored to your specific needs.

For example, these questions could help you determine if your insurance needs might need an agent’s assistance.

  • What is covered by UM/UIM coverage?
  • Should I waive the damage coverage when renting a car?
  • Exactly who is provided coverage by my policy?
  • What is PIP insurance?
  • Is a fancy paint job covered?
  • How high should my medical payments coverage be?

If you don’t know the answers to these questions but a few of them apply, then you may want to think about talking to a licensed agent. If you want to speak to an agent in your area, complete this form.

Insurance coverages explained

Knowing the specifics of your insurance policy can help you determine which coverages you need at the best deductibles and correct limits. Policy terminology can be ambiguous and reading a policy is terribly boring.

Collision insurance

Collision insurance will pay to fix damage to your Ninety-Eight caused by collision with another vehicle or an object, but not an animal. A deductible applies and then insurance will cover the remainder.

Collision coverage pays for things like damaging your car on a curb, scraping a guard rail and crashing into a building. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are older. It’s also possible to raise the deductible to get cheaper collision coverage.

Uninsured/Underinsured Motorist (UM/UIM)

Your UM/UIM coverage gives you protection from other motorists when they either have no liability insurance or not enough. It can pay for injuries to you and your family as well as your vehicle’s damage.

Due to the fact that many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is important protection for you and your family. Usually the UM/UIM limits are similar to your liability insurance amounts.

Comprehensive insurance

Comprehensive insurance coverage covers damage from a wide range of events other than collision. A deductible will apply then your comprehensive coverage will pay.

Comprehensive insurance covers claims like damage from a tornado or hurricane, theft, a tree branch falling on your vehicle and damage from getting keyed. The most you’ll receive from a claim is the market value of your vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Liability car insurance

Liability coverage protects you from damages or injuries you inflict on a person or their property. It protects you from claims by other people. Liability doesn’t cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You commonly see limits of 100/300/100 that translate to a limit of $100,000 per injured person, $300,000 for the entire accident, and a limit of $100,000 paid for damaged property. Alternatively, you may have one limit called combined single limit (CSL) that pays claims from the same limit rather than limiting it on a per person basis.

Liability coverage pays for things such as medical services, medical expenses, funeral expenses and repair bills for other people’s vehicles. How much liability coverage do you need? That is a personal decision, but you should buy as large an amount as possible.

Med pay and Personal Injury Protection (PIP)

Personal Injury Protection (PIP) and medical payments coverage reimburse you for immediate expenses for surgery, pain medications, prosthetic devices and X-ray expenses. The coverages can be used in conjunction with a health insurance policy or if you lack health insurance entirely. Coverage applies to both the driver and occupants in addition to if you are hit as a while walking down the street. Personal Injury Protection is only offered in select states but it provides additional coverages not offered by medical payments coverage

Smart consumers save more

Lower-priced 1993 Oldsmobile Ninety-Eight insurance is available both online and with local insurance agents, and you should be comparing both to have the best rate selection. Some insurance providers don’t offer online price quotes and these small, regional companies only sell coverage through independent agents.

Insureds who switch companies do it for a variety of reasons including not issuing a premium refund, poor customer service, delays in paying claims or denial of a claim. Regardless of your reason for switching companies, finding a new car insurance company is less work than it seems.

In this article, we covered some good ideas how you can lower your 1993 Oldsmobile Ninety-Eight insurance prices. The key thing to remember is the more rate comparisons you have, the better your chances of lowering your rates. Consumers could even find that the best price on car insurance is with a company that doesn’t do a lot of advertising.

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