1997 Oldsmobile Eighty-Eight Car Insurance Rates

Looking for the cheapest auto insurance rates for your Oldsmobile Eighty-Eight? Tired of scraping the payment together to insure your Oldsmobile every month? You’re in the same situation as most other vehicle owners.

Vehicle owners have multiple auto insurance companies to purchase coverage from, and though it is a good thing to have multiple companies, too many choices makes it more difficult to compare rates and find the lowest cost auto insurance.

It’s a good idea to shop coverage around once or twice a year since prices are rarely the same from one policy term to another. Even if you think you had the best rate for Eighty-Eight insurance a year ago other companies may now be cheaper. Ignore everything you know about auto insurance because we’re going to demonstrate how to use the internet to find better coverage at a better price.

Pricing affordable car insurance coverage is quite easy. Basically, every driver who buys car insurance will most likely be able to save money. Nevertheless, consumers need to learn the methods companies use to price insurance differently.

Get lower-cost insurance coverage quotes with discounts

Some providers do not advertise their entire list of discounts in a way that’s easy to find, so here is a list some of the more common in addition to some of the lesser obvious credits available to bring down your rates.

  • Early Switch Discount – A few insurance companies allow discounts for renewing your policy before your current coverage expires. You can save around 10% with this discount.
  • Distant College Student Discount – Any of your kids who attend college more than 100 miles from home and do not have a car may be able to be covered for less.
  • One Accident Forgiven – This one isn’t a discount, but certain companies allow you one accident without the usual rate increase if you have no claims prior to the accident.
  • Cautious Drivers – Insureds who avoid accidents could pay up to 40% less for Eighty-Eight insurance as compared to drivers with claims.
  • Drive Less and Save – Maintaining low annual mileage could earn lower insurance coveragerates on the low mileage vehicles.

While discounts sound great, it’s important to understand that many deductions do not apply to the entire cost. Some only apply to individual premiums such as physical damage coverage or medical payments. So despite the fact that it appears you could get a free insurance coverage policy, insurance companies wouldn’t stay in business. But all discounts will lower your overall bill.

Companies and the discounts they provide are shown below.

  • Mercury Insurance discounts include type of vehicle, age of vehicle, annual mileage, low natural disaster claims, good student, multi-car, and good driver.
  • Farmers Insurance offers discounts including distant student, switch companies, homeowner, early shopping, and bundle discounts.
  • Farm Bureau may offer discounts for youthful driver, multi-vehicle, safe driver, driver training, multi-policy, renewal discount, and 55 and retired.
  • State Farm policyholders can earn discounts including defensive driving training, multiple autos, student away at school, anti-theft, and accident-free.
  • Allstate offers premium reductions for EZ pay plan discount, auto/life discount, passive restraint, anti-lock brakes, and early signing.
  • Geico has savings for multi-vehicle, daytime running lights, seat belt use, military active duty, multi-policy, driver training, and good student.

If you are trying to find cheaper insurance coverage quotes, ask every prospective company which discounts you qualify for. All car insurance discounts might not apply in your area.

Tailor your car insurance coverage to you

When it comes to choosing the best car insurance coverage for your personal vehicles, there isn’t really a one size fits all plan. Everyone’s situation is a little different so your insurance needs to address that. For example, these questions could help you determine whether you might need an agent’s assistance.

  • Is my cargo covered for damage or theft?
  • Do I need an umbrella policy?
  • When would I need rental car insurance?
  • Who is covered when they drive my 1997 Oldsmobile Eighty-Eight?
  • Is my camper covered by my car insurance policy?
  • Is extra glass coverage worth it?
  • What if I total my 1997 Oldsmobile Eighty-Eight and owe more than it’s worth?
  • Is my teen driver covered when they drive my company car?

If you can’t answer these questions but one or more may apply to you, you might consider talking to an agent. If you don’t have a local agent, simply complete this short form or click here for a list of car insurance companies in your area.

Learn about car insurance coverages for an Oldsmobile Eighty-Eight

Knowing the specifics of your car insurance policy can help you determine which coverages you need and the correct deductibles and limits. Car insurance terms can be difficult to understand and reading a policy is terribly boring. Below you’ll find the usual coverages found on the average car insurance policy.

Comprehensive or Other Than Collision

Comprehensive insurance coverage covers damage that is not covered by collision coverage. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage protects against claims like fire damage, damage from getting keyed, hitting a deer, damage from a tornado or hurricane and vandalism. The maximum amount a car insurance company will pay at claim time is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Collision insurance

This pays for damage to your Eighty-Eight resulting from colliding with an object or car. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims like sideswiping another vehicle, rolling your car and crashing into a ditch. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are 8 years or older. Another option is to raise the deductible to save money on collision insurance.

Medical costs insurance

Personal Injury Protection (PIP) and medical payments coverage pay for short-term medical expenses for things like pain medications, surgery, ambulance fees, funeral costs and EMT expenses. They can be used in conjunction with a health insurance policy or if you do not have health coverage. They cover all vehicle occupants and also covers if you are hit as a while walking down the street. Personal Injury Protection is not available in all states and may carry a deductible

UM/UIM Coverage

Your UM/UIM coverage provides protection when the “other guys” are uninsured or don’t have enough coverage. Covered claims include injuries sustained by your vehicle’s occupants and damage to your Oldsmobile Eighty-Eight.

Since many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is a good idea. Normally the UM/UIM limits are set the same as your liablity limits.

Liability

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

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have limits of 25/50/25 that means you have a limit of $25,000 per injured person, a per accident bodily injury limit of $50,000, and a total limit of $25,000 for damage to vehicles and property. Another option is one limit called combined single limit (CSL) which provides one coverage limit rather than limiting it on a per person basis.

Liability coverage protects against things such as funeral expenses, medical expenses, bail bonds and loss of income. How much liability should you purchase? That is your choice, but buy as large an amount as possible.

Get your money’s worth

We just showed you many ways to get a better price on 1997 Oldsmobile Eighty-Eight insurance. It’s most important to understand that the more rate comparisons you have, the higher the chance of saving money. You may even discover the lowest priced car insurance comes from a company that doesn’t do a lot of advertising. Smaller companies can often provide lower prices in certain areas compared to the large companies like Progressive or Geico.

When getting insurance coverage quotes online, don’t be tempted to skimp on critical coverages to save a buck or two. In too many instances, consumers will sacrifice full coverage and learned later that saving that couple of dollars actually costed them tens of thousands. Your aim should be to get the best coverage possible at the best price, but don’t skip important coverages to save money.

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