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1994 Oldsmobile Ninety-Eight Insurance Rates

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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UPDATED: Mar 20, 2020

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Are you overwhelmed by the dozens of insurance coverage company choices? You’re not alone. There are so many options that it can turn into a ton of work to compare prices.

If you currently have a car insurance policy, you stand a good chance to be able to reduce your rates substantially using this information. The purpose of this article is to familiarize you with the most effective way to quote insurance. But consumers do need to learn how companies market on the web and apply this information to your search.

Policy discounts you shouldn’t miss

Companies offering auto insurance don’t always list every available discount in a way that’s easy to find, so we took the time to find both well-publicized and the harder-to-find savings tricks you should be using.

  • New Car Discount – Buying coverage on a new vehicle can cost up to 25% less because new vehicles have to meet stringent safety requirements.
  • Discount for Swiching Early – Some insurance companies reward drivers for switching to them before your current policy expires. The savings is around 10%.
  • Accident Forgiveness – A few companies will forgive one accident before hitting you with a surcharge if you are claim-free prior to the accident.
  • Own a Home – Being a homeowner may earn you a small savings because owning a home is proof that your finances are in order.
  • Paperless Signup – Certain companies may give you up to $50 just for signing your application on their website.
  • Military Rewards – Being deployed with a military unit may qualify for rate reductions.

Keep in mind that some of the credits will not apply to all coverage premiums. The majority will only reduce the cost of specific coverages such as comprehensive or collision. Just because it seems like all the discounts add up to a free policy, it just doesn’t work that way.

For a list of insurance companies with the best insurance discounts, click here to view.

Fast and Easy Insurance Coverage Quotes

When shopping for insurance coverage there are multiple ways to compare rate quotes and find the best price. The best method to find the cheapest 1994 Oldsmobile Ninety-Eight insurance rates involves getting comparison quotes online. This can be accomplished using a couple different methods.

The easiest and least time consuming way consumers can analyze rates is a comparison rater form like this one (opens in new window). This type of form saves time by eliminating separate quotation requests for each company you want a rate for. Just one form will get you price quotes instantly. Just one form and you’re done.

A slightly less efficient method to analyze rates is to take the time to go to each company website to request a price quote. For examples sake, let’s say you want comparison quotes from Auto-Owners, GEICO and Farmers. To get each rate you have to go to every website and enter your information, which is why most consumers use the first method.

To view a list of companies in your area, click here.

Which method you use is up to you, but compare identical coverages and limits for each comparison quote. If you enter higher or lower deductibles it’s impossible to make an equal comparison. Just a small difference in limits can mean a large discrepancy in price. And when quoting insurance coverage, remember that quoting more will improve the odds of getting a better price.

Oldsmobile Ninety-Eight insurance rates consist of many parts

An important part of buying insurance is that you know some of the elements that play a part in calculating your insurance coverage rates. Knowing what influences your rates allows you to make educated decisions that will entitle you to big savings.

Shown below are a few of the “ingredients” companies use to determine prices.

  • How your age affects price – Mature drivers tend to be more responsible, statistically cause fewer accidents and tend to be better behind the wheel. Teenage drivers tend to be less responsible in a vehicle and because of this, their insurance coverage rates are much higher.
  • Your spouse saves you money – Being married actually saves money when buying insurance coverage. Marriage translates into being more mature and responsible and it’s statistically proven that being married results in fewer claims.
  • Don’t let your coverage lapse – Allowing your insurance coverage policy to lapse will be a quick way to bump up your insurance coverage costs. Not only will rates go up, but being ticketed for driving with no insurance can result in a hefty fine and possibly a revoked license.
  • Do you need those extra coverages? – There are a ton of extra coverages that can waste your money on your 1994 Ninety-Eight policy. Coverages like rental car reimbursement, accident forgiveness and term life insurance may be wasting your money. They may seem good when talking to your agent, but if they’re wasting money get rid of them and save.

Insurance agents can help

When it comes to buying proper insurance coverage, there is no one size fits all plan. Every situation is different.

Here are some questions about coverages that could help you determine if your insurance needs might need professional guidance.

  • Why is insurance for a teen driver so high?
  • Should I buy more coverage than the required minimum liability coverage?
  • Do I need replacement cost coverage?
  • Do I have coverage for damage caused while driving under the influence?
  • What should my uninsured motorist coverage limits be in my state?
  • Is rental equipment covered for theft or damage?

If you can’t answer these questions but you think they might apply to your situation, you might consider talking to an insurance agent. To find lower rates from a local agent, fill out this quick form.

Free Auto Insurance Comparison

Enter your zip code below to view companies that have cheap auto insurance rates.

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Coverages available on your policy

Having a good grasp of a insurance policy can be of help when determining the right coverages at the best deductibles and correct limits. Insurance terms can be difficult to understand and nobody wants to actually read their policy.

UM/UIM Coverage

This coverage protects you and your vehicle’s occupants from other motorists when they either are underinsured or have no liability coverage at all. Covered claims include injuries to you and your family as well as your vehicle’s damage.

Because many people only carry the minimum required liability limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Medical costs insurance

Personal Injury Protection (PIP) and medical payments coverage kick in for short-term medical expenses for surgery, dental work, nursing services and pain medications. They can be utilized in addition to your health insurance policy or if you are not covered by health insurance. Coverage applies to all vehicle occupants in addition to being hit by a car walking across the street. PIP coverage is not available in all states and may carry a deductible

Auto collision coverage

This coverage covers damage to your Ninety-Eight resulting from a collision with an object or car. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for things such as scraping a guard rail, sideswiping another vehicle, crashing into a ditch, colliding with another moving vehicle and sustaining damage from a pot hole. This coverage can be expensive, so consider dropping it from older vehicles. Another option is to bump up the deductible to bring the cost down.

Comprehensive or Other Than Collision

This coverage covers damage caused by mother nature, theft, vandalism and other events. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims such as damage from flooding, hitting a bird, a tree branch falling on your vehicle, theft and vandalism. The most a insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Liability coverage

Liability coverage will cover damage that occurs to people or other property by causing an accident. This coverage protects you against claims from other people. Liability doesn’t cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show policy limits of 100/300/100 which stand for a limit of $100,000 per injured person, a total of $300,000 of bodily injury coverage per accident, and a limit of $100,000 paid for damaged property.

Liability can pay for things like structural damage, attorney fees, loss of income and emergency aid. How much liability should you purchase? That is your choice, but you should buy as large an amount as possible.

Don’t break the bank

Consumers switch companies for a variety of reasons including delays in responding to claim requests, unfair underwriting practices, policy cancellation and even being labeled a high risk driver. Regardless of your reason for switching companies, finding the right insurance provider can be pretty painless.

We just covered some good ideas how you can shop for 1994 Oldsmobile Ninety-Eight insurance online. The key thing to remember is the more you quote, the higher your chance of finding lower rates. Consumers may even find the biggest savings come from an unexpected company.

Low-cost insurance can be bought online as well as from independent agents, and you need to comparison shop both so you have a total pricing picture. Some companies don’t offer online price quotes and usually these small insurance companies provide coverage only through local independent agents.

To learn more, feel free to browse the articles below:

Use our FREE quote tool to compare rates now!

Free Auto Insurance Comparison

Enter your zip code below to view companies that have cheap auto insurance rates.

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