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Oldsmobile Ninety-Eight Insurance Rates

You have lots of choices when comparing insurance rates on your Oldsmobile vehicle. You can buy from a local agent or shop online to check prices from many different companies. Buying auto insurance from online companies is easy and at the same time you might just save a little.

People who are new to comparison shopping may think purchasing low-cost Ninety-Eight insurance can be quite difficult. Finding a better price on auto insurance is actually quite simple. Consumers just need to spend a few minutes to get quotes from different insurance companies. This can be accomplished by completing this short form.

What factors impact your insurance rates?

Auto insurance rates on a Oldsmobile Ninety-Eight can vary widely based upon several criteria. Taken into consideration are:

  • The performance level of your Ninety-Eight
  • Any accidents you may have
  • Multiple policies can save money
  • Pleasure use vs. commuting use
  • Special coverage such as replacement cost
  • Claims drive up premiums
  • Having current coverage saves
  • Whether you rent or own your home

A final factor that helps determine Ninety-Eight insurance rates is the model year. New vehicles cost more in comparison to later models so repair costs are higher which can inflate annual premiums. On the flip side, newer models may have a trim level with safety features like autonomous braking, dual-stage airbags, and sideview assist mirrors which can give discounted rates.

For you to have a better understanding of how much rates will be for your vehicle, select the year of your Ninety-Eight from available model years below.

Liability coverage - Liability insurance protects you from damages or injuries you inflict on people or other property in an accident. Liability coverage pays for things such as emergency aid, pain and suffering, and medical services. Liability insurance is relatively cheap so consider buying higher limits if possible.

Collision coverages - Collision insurance pays for damage to your Oldsmobile resulting from a collision with an object or car. You will need to pay your deductible and then insurance will cover the remainder. Collision coverage for your Ninety-Eight can be pricey, so consider dropping it from vehicles that are older. It's also possible to bump up the deductible to get cheaper Ninety-Eight insurance rates.

Comprehensive coverage - This coverage pays to fix your vehicle from damage that is not covered by collision coverage. You first have to pay a deductible and the remainder of the damage will be paid by your Oldsmobile Ninety-Eight comprehensive insurance. The maximum payout you can receive from a comprehensive claim is the actual cash value, so if the vehicle's value is low consider dropping full coverage.

Uninsured and underinsured coverage - This protects you and your vehicle when other motorists do not carry enough liability coverage. Since many drivers have only the minimum liability required by law, it doesn't take a major accident to exceed their coverage limits. That's why carrying high Uninsured/Underinsured Motorist coverage is very important.

Medical payments coverage and PIP - Med pay and PIP coverage provide coverage for expenses (i.e. doctor visits, EMT expenses, and X-ray expenses). They are used in conjunction with a health insurance policy or if you lack health insurance entirely. PIP is not available in all states but it provides additional coverages not offered by medical payments coverage.

How Much are Oldsmobile Ninety-Eight Insurance Rates?