1999 Oldsmobile Eighty-Eight Car Insurance Cost – 9 Savings Tips

Finding cheaper car insurance may be a challenge for drivers who are beginners to online rate comparisons. With dozens of companies in the marketplace, it can quickly become a difficult mission to find more affordable car insurance rates.

It’s important to check car insurance prices before your policy renews because insurance prices go up and down regularly. Just because you found the lowest quotes for Eighty-Eight insurance a year ago the chances are good that you can find a lower rate today. Forget anything you know (or think you know) about car insurance because I’m going to let you in on the secrets to the fastest and easiest way to find better coverage at a better price.

If you have car insurance now, you should be able to lower your premiums substantially using these tips. This information will help educate you on how car insurance quotes work and some money-saving tips. Nevertheless, drivers benefit from understanding how the larger insurance companies market on the web because it can help you find the best coverage.

How to get free auto insurance quotes online

All the larger auto insurance companies make it easy to get coverage prices direct online. Getting prices online is pretty painless because you just enter your personal and coverage information on the page. After the form is submitted, the quote system obtains your driving record and credit report and returns a price quote based on the information you submitted.

Online quotes helps simplify price comparisons, but the work required to visit several different sites and enter the same data into a form can be a bit repetitive. But it’s necessary to get many rate quotes if you are searching for the best price on auto insurance.

The smarter way to lower your rates makes use of a single form that obtains quotes from several different companies. It’s a real time-saver, eliminates repetitive work, and makes quoting online much more enjoyable. Immediately after submitting the form, it is rated and you can select your choice of the quotes returned.

If a lower price is quoted, it’s easy to complete the application and purchase the new policy. The whole process takes less than 15 minutes and can result in significant savings.

To quickly compare pricing, click here to open in new window and submit the form. If you have a policy now, it’s recommended you complete the form with the coverages as close as possible to your current policy. Doing this assures you are getting comparison quotes for exact coverage.

These nine discounts can cut insurance rates

Auto insurance companies don’t always advertise all their discounts in an easy-to-find place, so we took the time to find both the well known and the harder-to-find discounts that you may qualify for. If you don’t get every credit possible, you may be paying too high a price.

  • Smart Student Discounts – Excelling in school could provide a savings of up to 20% or more. The good student discount can last up to age 25.
  • Anti-theft Discount – Anti-theft and alarm system equipped vehicles help deter theft and therefore earn up to a 10% discount.
  • Service Members Pay Less – Being on active duty in the military could qualify you for better insurance rates.
  • Professional Organizations – Being in a qualifying organization could qualify you for a break on insurance.
  • Multiple Vehicles – Buying a policy with several vehicles with one company can reduce the rates for all insured vehicles.
  • ABS Brakes – Cars, trucks, and SUVs with ABS and/or traction control have fewer accidents and therefore earn up to a 10% discount.
  • Discount for Passive Restraints – Options like air bags may earn rate discounts of 20 to 30 percent.
  • Government Employee Discount – Employees or retirees of the government may qualify for a discount when you quote insurance coverage for Eighty-Eight insurance depending on your insurance provider.
  • Full Payment Discount – If you pay your entire premium ahead of time as opposed to paying monthly you can avoid monthly service charges.

While discounts sound great, it’s important to understand that many deductions do not apply to the entire policy premium. The majority will only reduce specific coverage prices like collision or personal injury protection. So when it seems like all those discounts means the company will pay you, it’s just not the way it works. But any discount will help reduce the cost of coverage.

The best insurance companies and a selection of discounts can be found below.

  • Geico policyholders can earn discounts including driver training, emergency military deployment, multi-vehicle, defensive driver, anti-theft, anti-lock brakes, and membership and employees.
  • MetLife offers discounts including good student, claim-free, defensive driver, good driver, and accident-free.
  • Progressive may include discounts for multi-vehicle, online signing, continuous coverage, homeowner, online quote discount, and good student.
  • Travelers has savings for hybrid/electric vehicle, multi-car, continuous insurance, IntelliDrive, and good student.
  • SAFECO may offer discounts for anti-lock brakes, accident prevention training, teen safety rewards, safe driver, and multi-car.
  • AAA includes discounts for good student, pay-in-full, multi-policy, good driver, and multi-car.

Double check with all the companies what discounts are available to you. All car insurance discounts might not be offered everywhere. To see providers who offer discounts, click this link.

When do I need an agent’s advice?

When it comes to choosing adequate coverage for your vehicles, there really is no “best” method to buy coverage. Everyone’s situation is unique.

These are some specific questions can help discover whether your personal situation could use an agent’s help.

  • Is my vehicle covered by my employer’s policy when using it for work?
  • Am I covered when delivering products for my home-based business?
  • Does my insurance cover a custom paint job?
  • Do I have any recourse if my insurance company denies a claim?
  • Am I missing any policy discounts?
  • Where can I find DUI or SR-22 insurance?

If you don’t know the answers to these questions but a few of them apply, you might consider talking to an agent. To find lower rates from a local agent, fill out this quick form.

Detailed coverages of your insurance policy

Learning about specific coverages of insurance can be of help when determining the best coverages and proper limits and deductibles. The terms used in a policy can be impossible to understand and reading a policy is terribly boring.

Comprehensive insurance

This coverage will pay to fix damage that is not covered by collision coverage. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims such as theft, damage from flooding, damage from getting keyed, damage from a tornado or hurricane and vandalism. The maximum amount your insurance company will pay is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Liability coverages

This provides protection from damage or injury you incur to people or other property by causing an accident. It protects YOU from claims by other people, and doesn’t cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have values of 100/300/100 that means you have $100,000 in coverage for each person’s injuries, a per accident bodily injury limit of $300,000, and property damage coverage for $100,000. Some companies may use a combined limit which provides one coverage limit without having the split limit caps.

Liability coverage pays for things such as attorney fees, loss of income and repair bills for other people’s vehicles. How much liability should you purchase? That is a personal decision, but buy as much as you can afford.

Collision protection

Collision insurance will pay to fix damage to your Eighty-Eight resulting from a collision with a stationary object or other vehicle. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things like colliding with another moving vehicle, hitting a parking meter, scraping a guard rail and backing into a parked car. Collision coverage makes up a good portion of your premium, so you might think about dropping it from older vehicles. You can also bump up the deductible to get cheaper collision coverage.

Uninsured/Underinsured Motorist (UM/UIM)

Uninsured or Underinsured Motorist coverage gives you protection from other motorists when they do not carry enough liability coverage. It can pay for hospital bills for your injuries and damage to your Oldsmobile Eighty-Eight.

Due to the fact that many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Usually these coverages do not exceed the liability coverage limits.

Med pay and Personal Injury Protection (PIP)

Medical payments and Personal Injury Protection insurance provide coverage for immediate expenses like pain medications, nursing services and surgery. They are often used in conjunction with a health insurance plan or if you do not have health coverage. They cover all vehicle occupants as well as getting struck while a pedestrian. PIP is not universally available and may carry a deductible

Make a quick buck

We just covered a lot of information how to save on 1999 Oldsmobile Eighty-Eight insurance. The key thing to remember is the more quotes you get, the better chance you’ll have of finding cheap insurance coverage. Consumers may even find the most savings is with the smaller companies.

A few companies do not provide online quoting smaller companies provide coverage only through independent agencies. Cheaper 1999 Oldsmobile Eighty-Eight insurance can be sourced online in addition to many insurance agents, so compare prices from both to have the best chance of lowering rates.

Drivers who switch companies do it for many reasons like policy non-renewal, delays in paying claims, policy cancellation and poor customer service. It doesn’t matter why you want to switch finding a new car insurance company is pretty easy and you might even save some money in the process.

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