Looking for lower car insurance rates for your Oldsmobile Eighty-Eight? Did budget coverage turn out to be an expensive car insurance policy? Believe me, there are many people just like you. Big companies like Geico, 21st Century and Progressive all claim big savings, bombarding you with advertising and it is challenging if not impossible to see through the cute green geckos and mayhem and take the time to shop coverage around.
It’s a good idea to get comparison quotes occasionally because car insurance prices go up and down regularly. Even if you got the best rates for Eighty-Eight coverage two years ago there is a good chance you can find better premium rates now. Ignore everything you know about car insurance because you’re about to learn how to quote online to eliminate unnecessary coverages and save money.
If you have insurance now or need new coverage, you can use these techniques to cut your premiums and possibly find even better coverage. Finding affordable coverage is not rocket science. Drivers only need to know the most efficient way to get comparison quotes online.
There are multiple methods to compare insurance coverage quotes, but some are easier and takes less work. You could waste time talking to local insurance agents in your area, or you can utilize the internet to get prices fast.
Many insurance companies participate in a marketplace where insurance shoppers submit one quote, and each participating company returns a rated price based on that data. This system prevents you from having to do quote requests for every insurance coverage company.
To compare rates now click here to start a free quote.
The single downside to comparing rates this way is buyers cannot specifically choose which providers to receive prices from. So if you prefer to pick specific providers for rate comparison, we have a listing of companies who write insurance coverage in your area. Click here for list of insurance companies.
Which method you use is up to you, but compare identical quote data for each quote you get. If each company quotes different deductibles it will be next to impossible to get a fair rate comparison.
Car insurance companies don’t list all disounts very well, so we took the time to find both the well known as well as some of the hidden savings tricks you should be using when you buy insurance online.
As a sidenote, most discounts do not apply to your bottom line cost. Most cut specific coverage prices like comp or med pay. So even though it sounds like all those discounts means the company will pay you, insurance companies wouldn’t stay in business.
To view providers who offer discounts, click here to view.
When it comes to choosing proper insurance coverage, there really is not a cookie cutter policy. Every insured’s situation is different so your insurance should reflect that Here are some questions about coverages that may help highlight whether or not you will benefit from professional help.
If you don’t know the answers to these questions but you know they apply to you then you might want to talk to a licensed agent. To find lower rates from a local agent, take a second and complete this form or you can also visit this page to select a carrier It is quick, free and you can get the answers you need.
Knowing the specifics of your policy can be of help when determining the right coverages and proper limits and deductibles. The terms used in a policy can be confusing and nobody wants to actually read their policy. These are typical coverages found on most auto insurance policies.
Collision coverages – This covers damage to your Eighty-Eight resulting from a collision with a stationary object or other vehicle. A deductible applies and then insurance will cover the remainder.
Collision insurance covers claims like sustaining damage from a pot hole, crashing into a ditch and damaging your car on a curb. Collision is rather expensive coverage, so consider removing coverage from vehicles that are older. It’s also possible to choose a higher deductible to bring the cost down.
Liability coverage – Liability coverage provides protection from damages or injuries you inflict on a person or their property. It protects YOU against other people’s claims, and doesn’t cover your own vehicle damage or injuries.
It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see values of 50/100/50 which means a limit of $50,000 per injured person, a total of $100,000 of bodily injury coverage per accident, and $50,000 of coverage for damaged propery.
Liability can pay for things such as emergency aid, repair bills for other people’s vehicles, medical expenses, pain and suffering and funeral expenses. How much liability should you purchase? That is up to you, but it’s cheap coverage so purchase as much as you can afford.
UM/UIM Coverage – This protects you and your vehicle’s occupants from other drivers when they either are underinsured or have no liability coverage at all. This coverage pays for injuries to you and your family as well as damage to your Oldsmobile Eighty-Eight.
Due to the fact that many drivers have only the minimum liability required by law, their limits can quickly be used up. For this reason, having high UM/UIM coverages should not be overlooked.
Comprehensive or Other Than Collision – This pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive coverage pays for claims like rock chips in glass, hitting a bird, damage from a tornado or hurricane, theft and a tree branch falling on your vehicle. The maximum payout you’ll receive from a claim is the actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.
Medical costs insurance – Personal Injury Protection (PIP) and medical payments coverage kick in for immediate expenses such as hospital visits, surgery, X-ray expenses, prosthetic devices and doctor visits. They are utilized in addition to your health insurance policy or if you do not have health coverage. Coverage applies to both the driver and occupants and also covers being hit by a car walking across the street. PIP is not available in all states and gives slightly broader coverage than med pay
You just learned many tips how you can reduce 1998 Oldsmobile Eighty-Eight insurance car insurance rates online. It’s most important to understand that the more times you quote, the better likelihood of getting cheap insurance. You may be surprised to find that the lowest priced auto insurance comes from the least-expected company. Some small companies may have significantly lower premium rates on certain market segments as compared to the big name companies such as Allstate, Geico and Progressive.
Cheaper 1998 Oldsmobile Eighty-Eight insurance can be bought online as well as from independent agents, so you need to shop insurance with both in order to have the best chance of saving money. There are still a few companies who don’t offer rate quotes online and these smaller companies prefer to sell through independent agencies.
To learn more, feel free to visit these articles: