View 1995 Oldsmobile Ninety-Eight Car Insurance Quotes

Having to pay for overpriced Oldsmobile Ninety-Eight insurance can eat up your funds and force you to make sacrifices. Performing a price comparison is an excellent way to reduce premiums and put more money in your pocket.

You have so many car insurance companies to choose from, and although it’s a good thing to have multiple companies, so many choices can make it hard to compare company pricing.

Compare insurance rates

To find the cheapest auto insurance quotes, there are several ways to get quotes from lots of insurance companies. The easiest way by far to find competitive 1995 Oldsmobile Ninety-Eight insurance rates is to get quotes online. This can be accomplished in a couple of different ways.

Hands down the most simple method to find low rates is a comparison rater form (click to open form in new window). This easy form keeps you from doing repetitive form submissions for each company you want a rate for. One form submission will get you rate comparisons from many national carriers.

A more difficult way to compare prices requires visiting each company’s website and request a quote. For example, we’ll pretend you want to see prices from Geico, 21st Century and Progressive. In order to compare rates, you need to navigate to each company’s site to input your insurance information, and that explains why we recommend the first method.

For a list of links to companies insuring cars in your area, click here.

The most time-consuming way to comparison shop rate quotes is calling or driving to insurance agencies in your area. The ability to buy insurance online makes this process obsolete unless you prefer the advice and guidance that can only be provided by a licensed insurance agent. Drivers can obtain prices from the web but still have the advice of a local agent.

Which method you use is up to you, but do your best to enter identical information for each price quote. If the quotes have differing limits it’s impossible to make an equal comparison. Even a minor difference in coverage limits can result in a big premium difference. Just keep in mind that more quotes provides better odds of finding the best offered rates. Not every company does price estimates online, so it’s important to also get price quotes on coverage from those companies, too.

Tailor your auto insurance coverage to you

When it comes to choosing proper insurance coverage for your personal vehicles, there really is not a perfect coverage plan. Coverage needs to be tailored to your specific needs and your policy should reflect that. For example, these questions can help discover if you might need professional guidance.

  • How can I get my company to pay me more for my totalled car?
  • Where can I get insurance after a DUI in my state?
  • Which is better, split liability limits or combined limits?
  • Does my insurance cover my expensive audio equipment?
  • Can I rent a car in Mexico?
  • Do I need an umbrella policy?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • Am I better off with higher deductibles on my 1995 Oldsmobile Ninety-Eight?
  • At what point should I drop full coverage?
  • Are my tools covered if they get stolen from my vehicle?

If it’s difficult to answer those questions, you might consider talking to an agent. If you don’t have a local agent, take a second and complete this form or click here for a list of auto insurance companies in your area.

Information about specific coverages

Having a good grasp of insurance can be of help when determining appropriate coverage and the correct deductibles and limits. Policy terminology can be difficult to understand and nobody wants to actually read their policy. These are the normal coverages found on most insurance policies.

Medical expense insurance – Medical payments and Personal Injury Protection insurance pay for bills for things like EMT expenses, hospital visits, pain medications, nursing services and doctor visits. They are often utilized in addition to your health insurance program or if there is no health insurance coverage. Coverage applies to you and your occupants and will also cover if you are hit as a while walking down the street. PIP is only offered in select states but it provides additional coverages not offered by medical payments coverage

Comprehensive (Other than Collision) – Comprehensive insurance coverage pays for damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers things such as a broken windshield, hail damage, theft, vandalism and rock chips in glass. The maximum amount a insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Protection from uninsured/underinsured drivers – Your UM/UIM coverage gives you protection when the “other guys” are uninsured or don’t have enough coverage. It can pay for injuries to you and your family as well as your vehicle’s damage.

Since a lot of 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.

Collision – This coverage pays to fix your vehicle from damage from colliding with an object or car. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims such as sideswiping another vehicle, colliding with another moving vehicle and backing into a parked car. Collision is rather expensive coverage, so you might think about dropping it from older vehicles. It’s also possible to bump up the deductible to save money on collision insurance.

Liability coverage – This will cover damage or injury you incur to other people or property by causing an accident. It protects YOU against claims from other people, and does not provide coverage for damage sustained by your vehicle in an accident.

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 100/300/100 that means you have a limit of $100,000 per injured person, a per accident bodily injury limit of $300,000, and a limit of $100,000 paid for damaged property.

Liability coverage pays for claims like bail bonds, repair bills for other people’s vehicles, emergency aid and pain and suffering. How much liability should you purchase? That is your choice, but buy as high a limit as you can afford.