Cheap 1996 Oldsmobile Eighty-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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Written by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

UPDATED: May 12, 2022

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Searching for cheaper auto insurance rates for your Oldsmobile Eighty-Eight? People who are new to price shopping insurance online can find finding cut-rate auto insurance is not as easy as it seems.

If you currently have a car insurance policy, you will most likely be able to save some money using this strategy. The purpose of this article is to introduce you to how to get online quotes and some money-saving tips. Nevertheless, consumers need to learn how companies sell online because it can help you find the best coverage.

Comprehensive Car Insurance Comparison

The are a couple different ways of comparing rate quotes from local car insurance companies. The fastest way to compare 1996 Oldsmobile Eighty-Eight insurance prices consists of shopping online. It is quite easy and can be accomplished in several different ways.

  1. The single most time-saving way to get the best comparison quotes would be an industry-wide quote request form like this one (opens in new window). This easy form prevents you from having to do repetitive form submissions for every car insurance company. A single form will return price quotes direct from many companies. This is perfect if you don’t have a lot of time.
  2. A harder way to find lower rates is spending the time to visit the website of each company and fill out their own quote form. For sake of this example, let’s assume you want to compare rates from Progressive, Allstate and Travelers. To find out each rate you need to go to every website to input your insurance information, and that’s why the first method is more popular. For a list of links to companies insuring cars in your area, click here.

However you get your quotes, make darn sure you compare exactly the same coverage limits and deductibles with every price quote. If you compare different liability limits it will be next to impossible to find the best deal for your Oldsmobile Eighty-Eight. Slightly different coverage limits may result in large price differences. And when quoting car insurance, remember that comparing more company’s prices gives you a better chance of getting lower pricing.

Don’t overlook these discounts

Insuring your vehicles can cost a lot, but you can get discounts that many people don’t even know exist. Certain discounts will be triggered automatically when you get a quote, but a few need to be asked about in order for you to get them.

  • Military Rewards – Being deployed with a military unit can result in better rates.
  • Fewer Miles Equal More Savings – Low mileage vehicles can earn lower rates on the low mileage vehicles.
  • Multiple Policy Discount – If you have multiple policies with the same insurance company you may earn approximately 10% to 15%.
  • Homeowners Discount – Owning a home can save you money due to the fact that maintaining a home shows financial diligence.
  • Federal Government Employee – Being employed by or retired from a federal job could cut as much as 10% off on Eighty-Eight coverage with certain companies.

Consumers should know that some credits don’t apply to the entire policy premium. A few only apply to the cost of specific coverages such as liability, collision or medical payments. Just because it seems like adding up those discounts means a free policy, car insurance companies aren’t that generous. But all discounts will help reduce the cost of coverage.

For a list of insurance companies with discount car insurance rates, follow this link.

These factors can influence what you pay for Oldsmobile Eighty-Eight insurance

An important part of buying insurance is that you know the factors that play a part in calculating auto insurance rates. Having a good understanding of what determines base rates enables informed choices that can help you get lower auto insurance prices.

Shown below are some of the factors auto insurance companies consider when setting your rates.

  • Drive a safer car and pay less – Vehicles with high crash test scores can get you lower premiums. Safe vehicles have better occupant injury protection and lower injury rates translates into fewer and smaller insurance claims and lower rates for you. If your Oldsmobile earned at least four stars on Safercar.gov you may qualify for a discount.
  • Where you live – Being located in a small town is a positive aspect when it comes to auto insurance. Lower population means reduced accidents and a lower car theft rate. Drivers who live in large cities have to deal with more traffic problems and longer commutes to work. More time on the road means higher likelihood of an accident.
  • Do you know you’re credit rating? – Your credit score is a large factor in determining what you pay for auto insurance. Therefore, if your credit history is lower than you’d like, you could potentially save money when insuring your 1996 Oldsmobile Eighty-Eight by spending a little time repairing your credit. Drivers with excellent credit tend to file fewer claims and have better driving records than those with poor credit.
  • High deductibles save money – Physical damage deductibles represent how much money you are willing to pay before your auto insurance pays a claim. Coverage for physical damage, termed comprehensive and collision coverage on your policy, is used to repair damage to your car. Some examples of claims that would be covered are colliding with a building, collision with an animal, and rolling your vehicle. The higher the amount the insured has to pay upfront, the less your company will charge you for insurance on Eighty-Eight coverage.
  • Don’t skimp on liability – Liability insurance will protect you in the event that a jury decides you are liable for damages caused by your negligence. Liability insurance provides for a legal defense which can cost thousands of dollars. Liability is cheap compared to physical damage coverage, so buy as much as you can afford.

Is my situation unique?

When it comes to buying coverage, there isn’t really a perfect coverage plan. Each situation is unique.

For instance, these questions could help you determine whether you could use an agent’s help.

  • Is pleasure use cheaper than using my 1996 Oldsmobile Eighty-Eight to commute?
  • If my pet gets injured in an accident are they covered?
  • Do I need to file an SR-22 for a DUI in my state?
  • Am I covered if I break a side mirror?
  • Am I covered when pulling a rental trailer?
  • Do I have coverage for damage caused while driving under the influence?
  • Can I pay claims out-of-pocket if I buy high deductibles?
  • Do all my vehicles need collision coverage?

If you’re not sure about those questions but one or more may apply to you then you might want to talk to a licensed agent. To find lower rates from a local agent, complete this form.

Detailed coverages of your insurance policy

Learning about specific coverages of your insurance policy can help you determine the right coverages and proper limits and deductibles. Insurance terms can be confusing and coverage can change by endorsement.

Coverage for medical payments

Medical payments and Personal Injury Protection insurance reimburse you for short-term medical expenses such as surgery, nursing services, chiropractic care, rehabilitation expenses and prosthetic devices. They are used in conjunction with a health insurance policy or if you lack health insurance entirely. It covers you and your occupants and will also cover any family member struck as a pedestrian. Personal injury protection coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Comprehensive coverages

This coverage will pay to fix damage OTHER than collision with another vehicle or object. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims such as rock chips in glass, hitting a deer, hitting a bird and a broken windshield. The highest amount you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Coverage for liability

Liability insurance protects you from damage or injury you incur to other’s property or people in an accident. This coverage 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 injured, bodily injury for the entire accident and a property damage limit. Your policy might show limits of 50/100/50 which means $50,000 in coverage for each person’s injuries, $100,000 for the entire accident, and property damage coverage for $50,000. Occasionally you may see one limit called combined single limit (CSL) that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability coverage pays for claims like funeral expenses, attorney fees and loss of income. How much liability should you purchase? That is a personal decision, but you should buy as high a limit as you can afford.

Uninsured and underinsured coverage

This coverage provides protection from other motorists when they either have no liability insurance or not enough. Covered claims include medical payments for you and your occupants and also any damage incurred to your 1996 Oldsmobile Eighty-Eight.

Due to the fact that many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage should not be overlooked. Normally these limits do not exceed the liability coverage limits.

Collision coverage protection

Collision insurance pays for damage to your Eighty-Eight from colliding 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 claims such as colliding with a tree, hitting a parking meter and sustaining damage from a pot hole. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are older. It’s also possible to raise the deductible to get cheaper collision coverage.

Find Good Coverage for Less

Lower-priced 1996 Oldsmobile Eighty-Eight insurance can be purchased online and with local insurance agents, and you need to comparison shop both to have the best rate selection. Some insurance companies do not offer you the ability to get quotes online and most of the time these regional insurance providers sell through independent agents.

As you shop your coverage around, make sure you don’t buy less coverage just to save a little money. There have been many situations where an insured dropped full coverage only to discover later that it was a big error on their part. The aim is to buy enough coverage for the lowest price.

We’ve covered some good ideas how you can lower your insurance rates. The key thing to remember is the more providers you compare, the better chance you’ll have of finding lower rates. Drivers may discover the best prices are with the least-expected company.

For more information, take a look at the resources below:

Free Auto Insurance Comparison

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