Cheapest 1990 Oldsmobile Ninety-Eight Insurance Rates in 2023
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UPDATED: Mar 20, 2020
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Locating the cheapest insurance for a new or used Oldsmobile Ninety-Eight could be an all-consuming task, but you can learn our auto insurance buying tips to save time.
There are more efficient ways to buy auto insurance so you’re going to learn the absolute fastest way to price shop coverage for your Oldsmobile and locate the cheapest rates from both online companies and local agents.
You should take the time to take a look at other company’s rates periodically because rates fluctuate regularly. Even if you got the lowest rates on Ninety-Eight insurance last year you may be paying too much now. Ignore everything you know about auto insurance because you’re about to learn the things you must know in order to properly buy coverages while reducing your premium.
The easiest way to compare car insurance rates is to take advantage of the fact most larger insurance companies allow for online access to compare their rates. To begin a comparison, all you need to do is provide information including the year, make and model of vehicles, coverage limits, how your vehicles are used, and any included safety features. Your information is then submitted to multiple insurance coverage providers and they provide comparison quotes quickly.
To start a rate quote now, click here and see if a lower rate is available.
Drivers constantly see and hear ads for the lowest price auto insurance from companies such as 21st Century, Allstate and State Farm. They all seem to make an identical promise of big savings if you change your policy.
How can each company say the same thing? This is how they do it.
All companies have a preferred profile for the driver that is profitable for them. An example of a driver they prefer might be between the ages of 30 and 50, owns a home, and drives less than 7,500 miles a year. Any driver who meets those qualifications will get the preferred rates and therefore will cut their rates substantially.
Potential insureds who are not a match for the “perfect” profile must pay higher premiums which usually ends up with business not being written. Company advertisements say “customers that switch” not “everyone that quotes” save money. That’s why companies can claim big savings.
This illustrates why drivers must get as many comparisons as possible. It is impossible to predict which company will give you the biggest savings on Oldsmobile Ninety-Eight insurance.
Don’t overlook these discounts
Car insurance is not cheap, but discounts can save money and there are some available that you may not even be aware of. Some discounts apply automatically when you purchase, but some may not be applied and must be requested specifically before they will apply. If you aren’t receiving every discount you qualify for, you are throwing money away.
- Defensive Driving Course – Completing a defensive driving course could possibly earn you a 5% discount depending on where you live.
- Braking Control Discount – Anti-lock brake equipped vehicles prevent accidents and qualify for as much as a 10% discount.
- Theft Prevention System – Vehicles equipped with anti-theft or alarm systems help deter theft and qualify for as much as a 10% discount.
- Seat Belts Save more than Lives – Buckling up and requiring all passengers to buckle their seat belts could save 15% off your medical payments premium.
- Save with a New Car – Insuring a new car is cheaper since new cars are generally safer.
- Homeowners Savings – Being a homeowner can help you save on insurance because of the fact that having a home demonstrates responsibility.
- Senior Discount – Older drivers may receive a discount up to 10% on Ninety-Eight insurance.
- Early Signing – Some insurance companies reward drivers for signing up before your current expiration date. This can save 10% or more.
As a disclaimer on discounts, most discounts do not apply to the overall cost of the policy. The majority will only reduce specific coverage prices like liability and collision coverage. Just because it seems like adding up those discounts means a free policy, companies wouldn’t make money that way. Any amount of discount will bring down your premiums.
For a list of insurance companies who offer insurance discounts, follow this link.
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Is my situation unique?
When choosing the best car insurance coverage, there is no one size fits all plan. Every insured’s situation is different.
Here are some questions about coverages that can help discover if you might need professional guidance.
- Does my insurance cover a custom paint job?
- Do I need added coverage for expensive stereo equipment?
- What is the difference between comprehensive and collision coverage?
- Does coverage extend to a rental car in a foreign country?
- Can I still get insurance after a DUI?
- I have good health insurance, so how much medical payments coverage do I need?
- Is business equipment covered while in my vehicle?
- Is there coverage for injuries to my pets?
- Am I covered when driving a rental car?
If it’s difficult to answer those questions, then you may want to think about talking to an insurance agent. If you don’t have a local agent, take a second and complete this form. It’s fast, doesn’t cost anything and you can get the answers you need.
Educate yourself about auto insurance coverages
Understanding the coverages of auto insurance aids in choosing the best coverages and proper limits and deductibles. The coverage terms in a policy can be confusing and coverage can change by endorsement.
Collision coverage pays for damage to your Ninety-Eight resulting from a collision with another car or object. You have to pay a deductible then the remaining damage will be paid by your insurance company.
Collision can pay for things such as hitting a mailbox, hitting a parking meter, damaging your car on a curb and driving through your garage door. This coverage can be expensive, so consider removing coverage from vehicles that are 8 years or older. It’s also possible to raise the deductible to save money on collision insurance.
Coverage for uninsured or underinsured drivers
Uninsured or Underinsured Motorist coverage protects you and your vehicle from other drivers when they are uninsured or don’t have enough coverage. This coverage pays for medical payments for you and your occupants and damage to your Oldsmobile Ninety-Eight.
Since many drivers have only the minimum liability required by law, their limits can quickly be used up. So UM/UIM coverage is important protection for you and your family. Usually your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.
Comprehensive auto insurance
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 insurance covers claims such as damage from getting keyed, fire damage and falling objects. The highest amount your auto insurance company will pay is the ACV or actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.
Coverage for medical expenses
Coverage for medical payments and/or PIP pay for short-term medical expenses for EMT expenses, rehabilitation expenses, ambulance fees, surgery and pain medications. They are often used in conjunction with a health insurance plan or if there is no health insurance coverage. Coverage applies to not only the driver but also the vehicle occupants in addition to getting struck while a pedestrian. Personal Injury Protection is not available in all states and gives slightly broader coverage than med pay
Coverage for liability
Liability insurance can cover damages or injuries you inflict on a person or their property in an accident. This coverage protects you from claims by other people, and doesn’t cover damage to your own property or vehicle.
It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You commonly see limits of 25/50/25 which means $25,000 in coverage for each person’s injuries, a per accident bodily injury limit of $50,000, and property damage coverage for $25,000. Occasionally you may see a combined limit which limits claims to one amount rather than limiting it on a per person basis.
Liability can pay for things such as attorney fees, medical services, medical expenses and pain and suffering. How much liability should you purchase? That is a decision to put some thought into, but consider buying as high a limit as you can afford.
The bottom line
People leave their current company for any number of reasons including policy cancellation, an unsatisfactory settlement offer, policy non-renewal and even unfair underwriting practices. Regardless of your reason for switching companies, finding the right auto insurance provider is easier than you think.
As you shop your coverage around, never sacrifice coverage to reduce premiums. Too many times, drivers have reduced liability coverage limits only to regret at claim time that their decision to reduce coverage ended up costing them more. The ultimate goal is to find the BEST coverage at an affordable rate while still protecting your assets.
We just showed you quite a bit of information on how to reduce 1990 Oldsmobile Ninety-Eight insurance prices online. The key concept to understand is the more quotes you get, the more likely it is that you will get a better rate. You may even find the lowest priced auto insurance comes from some of the smallest insurance companies.
More tips and info about auto insurance can be read by following these links:
- Teen Driving Statistics (iihs.org)
- Teen Driving and Texting (State Farm)
- What is a Telematics Device? (Allstate)
- Medical Payments Coverage (Liberty Mutual)
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