1998 Oldsmobile Eighty-Eight Insurance Rates – 6 Tips for Cheapest Quotes

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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: Dec 10, 2021

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Trying to find cheaper car insurance rates for your Oldsmobile Eighty-Eight? I can’t think of a single person who cherishes buying car insurance, especially when they are paying too much. Because you have many insurance companies to choose from, it’s difficult to locate the most cost effective car insurance company.

It’s a great practice to get comparison quotes quite often since rates change frequently. Despite the fact that you may have had the best deal on Eighty-Eight coverage on your last policy you may be paying too much now. Starting now, block out anything you think you know about car insurance because you’re going to learn the easiest way to find better rates and still maintain coverage.

Locating more affordable auto insurance is easy if you know what you’re doing. If you have a policy now or are shopping for new coverage, you will benefit by learning to find better prices while maximizing coverage. Consumers only need an understanding of the most efficient way to get comparison quotes online.

Compare Auto Insurance Today

Effectively comparing auto insurance prices can be a daunting task if you don’t utilize the easiest way. You can waste hours talking about coverages with insurance agencies in your area, or you can stay home and use the internet to get rates in a matter of minutes.

Most major companies enroll in a system that allows shoppers to complete one form, and each participating company then gives them pricing for coverage. This saves time by eliminating quotation requests to every company.

To compare 1998 Oldsmobile Eighty-Eight rates now click to open in new window.

Which method you use is up to you, but be sure to compare apples-to-apples coverages and limits for every company. If you are comparing different values for each quote it will be next to impossible to make a fair comparison for your Oldsmobile Eighty-Eight.

Take advantage of discounts

The price of auto insurance can be rather high, but you can get discounts to help offset the cost. Certain discounts will be applied when you complete an application, but a few need to be specially asked for in order for you to get them. If you don’t get every credit available, you’re paying more than you need to.

  • Early Signing – A few companies offer discounts for signing up prior to your current policy expiring. This can save 10% or more.
  • Multiple Cars – Buying insurance for all your vehicles on one policy qualifies for this discount.
  • Federal Government Employee – Employees or retirees of the government may qualify you for a discount on Eighty-Eight coverage depending on your company.
  • Seat Belts Save more than Lives – Requiring all passengers to use a seat belt could save 15% on the medical payments or PIP coverage costs.
  • Anti-lock Brakes – Cars that have steering control and anti-lock brakes are safer to drive and earn discounts up to 10%.
  • Payment Discounts – If paying your policy premium upfront instead of making monthly payments you may reduce your total bill.

Keep in mind that most credits do not apply to the entire cost. Most only reduce the price of certain insurance coverages like collision or personal injury protection. So even though they make it sound like having all the discounts means you get insurance for free, companies don’t profit that way. Any qualifying discounts will help reduce the amount you have to pay.

How to know if you need help

When it comes to buying proper insurance coverage for your personal vehicles, there isn’t really a best way to insure your cars. Everyone’s situation is unique so your insurance should reflect that For example, these questions can help discover if your insurance needs would benefit from professional advice.

  • Does having multiple vehicles earn me a discount?
  • Does my liability insurance cover pulling a trailer or camper?
  • Should I get collision insurance on every vehicle?
  • Is my babysitter covered when using my vehicle?
  • How do I file an SR-22 for a DUI in my state?
  • Are my friends covered when driving my 1998 Oldsmobile Eighty-Eight?
  • Should I rate my 1998 Oldsmobile Eighty-Eight as pleasure use or commute?

Auto insurance coverages

Having a good grasp of insurance aids in choosing the right coverages for your vehicles. The terms used in a policy can be difficult to understand and coverage can change by endorsement. Below you’ll find typical coverage types found on the average insurance policy.

Collision coverage

Collision insurance covers damage to your Eighty-Eight resulting from colliding with an object or car. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers claims like colliding with another moving vehicle, crashing into a ditch, driving through your garage door, hitting a parking meter and backing into a parked car. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are older. You can also raise the deductible to get cheaper collision coverage.

Coverage for medical payments

Med pay and PIP coverage pay for expenses such as doctor visits, rehabilitation expenses, ambulance fees and nursing services. They are often used in conjunction with a health insurance plan or if you are not covered by health insurance. It covers both the driver and occupants as well as if you are hit as a while walking down the street. Personal Injury Protection is not an option in every state and gives slightly broader coverage than med pay

Liability auto insurance

Liability insurance will cover damage or injury you incur to people or other property by causing an accident. Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see limits of 100/300/100 that translate to $100,000 bodily injury coverage, a total of $300,000 of bodily injury coverage per accident, and property damage coverage for $100,000. Occasionally you may see one number which is a combined single limit that pays claims from the same limit with no separate limits for injury or property damage.

Liability coverage pays for claims like medical services, pain and suffering, emergency aid and legal defense fees. How much liability should you purchase? That is a personal decision, but buy as much as you can afford.

Uninsured and underinsured coverage

Your UM/UIM coverage provides protection from other motorists when they either are underinsured or have no liability coverage at all. This coverage pays for hospital bills for your injuries as well as your vehicle’s damage.

Since many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage should not be overlooked. Most of the time these limits are identical to your policy’s liability coverage.

Comprehensive coverages

This pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims like theft, hitting a bird, vandalism, rock chips in glass and a tree branch falling on your vehicle. The highest amount a insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Online plus local equals savings

Throughout this article, we presented many ways to shop for 1998 Oldsmobile Eighty-Eight insurance online. The key concept to understand is the more you quote, the more likely it is that you will get a better rate. You may even discover the lowest premiums are with a company that doesn’t do a lot of advertising. They may often insure only within specific states and give getter rates as compared to the big name companies such as State Farm or Progressive.

When trying to cut insurance costs, you should never buy less coverage just to save a little money. There are many occasions where drivers have reduced uninsured motorist or liability limits only to regret at claim time that their decision to reduce coverage ended up costing them more. The aim is to get the best coverage possible at the best price.

For more information, link through to the following helpful articles:

  • Things to Know Before you Cancel Insurance (Allstate)
  • Older Driver Statistics (Insurance Information Insitute)
  • Distracted Driving Statistics (Insurance Information Insitute)
  • Driving in Bad Weather (Insurance Information Insitute)
  • Coverage Information (Progressive Insurance)
  • Crash Avoidance Technologies FAQ (iihs.org)

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