Compare 1998 Oldsmobile Eighty-Eight Car Insurance Rates

Perplexed by the wide range of insurance company choices? Many other consumers are too. Drivers have so many companies to choose from that it can easily become a real hassle to find lower rates.

Finding affordable coverage is easy if you know what you’re doing. If you are paying for car insurance now, you will most likely be able to lower your premiums substantially using these methods. But vehicle owners do need to learn the way companies price online insurance.

How to Buy Auto Insurance Online

When shopping for auto insurance there are multiple ways of comparing rates from local auto insurance companies. The fastest way to find competitive 1998 Oldsmobile Eighty-Eight insurance rates consists of shopping online. This can be accomplished in a couple of different ways.

• The first (and easiest) way to compare a lot of rates at once is a comparison rater form click here to open form in new window. This type of form saves time by eliminating multiple quote forms for every auto insurance company. Filling out one form gets you coverage quotes from many national carriers. Recommended for those who want to invest the least amount of time.
• A less efficient way to find lower rates consists of going to each individual company website to complete their respective quote request forms. For example, we’ll pretend you want to compare rates from Progressive, Allstate and Travelers. To get rate quotes you would need to go to every website and enter your information, which is why the first method is quicker.

  For a list of links to companies insuring cars in your area, click here.

Which method you use is up to you, but ensure you’re using apples-to-apples quote information for every company. If each company quotes mixed coverages it will be next to impossible to make a fair comparison for your Oldsmobile Eighty-Eight. Just a small difference in coverages can result in a big premium difference. Just remember that quoting more helps you find the best price.

Is my situation unique?

When choosing proper insurance coverage, there isn’t really a one size fits all plan. Every situation is different.

For instance, these questions may help highlight if you might need an agent’s assistance.

• How much liability insurance is required?
• Can I get a multi-policy discount for packaging my home and auto coverage?
• Can my teen drive my company car?
• Am I covered if I drive in a foreign country?
• Does my personal policy cover me when driving out-of-state?
• What exactly is covered by my policy?
• Are split liability limits better than a combined single limit?
• Should I carry comprehensive and collision coverage?
• Does having multiple vehicles earn me a discount?
• Does my medical payments coverage pay my health insurance deductible?

If you can’t answer these questions but one or more may apply to you, you may need to chat with an agent. If you want to speak to an agent in your area, simply complete this short form.

Auto insurance coverages and their meanings

Understanding the coverages of your policy aids in choosing the best coverages for your vehicles. Auto insurance terms can be ambiguous and reading a policy is terribly boring.

Medical costs insurance

Coverage for medical payments and/or PIP reimburse you for bills like hospital visits, prosthetic devices and funeral costs. The coverages can be utilized in addition to your health insurance program or if there is no health insurance coverage. They cover all vehicle occupants as well as getting struck while a pedestrian. Personal injury protection coverage is only offered in select states but can be used in place of medical payments coverage

Comprehensive or Other Than Collision

Comprehensive insurance coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive insurance covers things like hitting a bird, hail damage, fire damage, damage from getting keyed and theft. The most a auto insurance company will pay at claim time is the cash value of the vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

Collision coverage protection

This covers damage to your Eighty-Eight resulting from a collision with an object or car. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims like colliding with another moving vehicle, scraping a guard rail, rolling your car, colliding with a tree and crashing into a building. Paying for collision coverage can be pricey, so consider removing coverage from lower value vehicles. You can also choose a higher deductible to save money on collision insurance.

UM/UIM Coverage

This gives you protection from other motorists when they either have no liability insurance or not enough. Covered losses include medical payments for you and your occupants and also any damage incurred to your 1998 Oldsmobile Eighty-Eight.

Since many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is a good idea.

Liability coverage

Liability coverage protects you from damages or injuries you inflict on other people or property in an accident. This coverage protects you against other people’s claims. It does not 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. You commonly see policy limits of 50/100/50 that translate to $50,000 bodily injury coverage, $100,000 for the entire accident, and a limit of $50,000 paid for damaged property.

Liability coverage protects against things such as emergency aid, bail bonds, pain and suffering and funeral expenses. How much liability should you purchase? That is a personal decision, but consider buying as much as you can afford.