Save on 1999 Oldsmobile Eighty-Eight Insurance Rates

Consumers have a choice when looking for affordable Oldsmobile Eighty-Eight insurance. They can either waste time contacting agents to compare prices or use the internet to get rate quotes. There is a better way to buy auto insurance so you’re going to learn the quickest way to quote coverages for a Oldsmobile and find the best price possible from local insurance agents and online providers.

Why your Oldsmobile Eighty-Eight insurance rates may be high

Smart consumers have a good feel for some of the elements that play a part in calculating the rates you pay for insurance coverage. Understanding what controls the rates you pay empowers consumers to make smart changes that will entitle you to better insurance coverage rates.

Shown below are a partial list of the pieces used by your company to calculate prices.

  • The more you drive the more you pay – The higher the mileage driven each year the higher your rate. Most insurance companies apply a rate based on how the vehicle is used. Autos not used for work or commuting can get a lower rate as compared to vehicles used primarily for driving to work. Ask your agent if your insurance coverage declarations sheet shows the correct usage for each vehicle, because it can save money. If your policy improperly rates your Eighty-Eight may be wasting your money.
  • Traffic citations inflate rates – A bad driving record has a lot to do with how much you pay for insurance. Even one citation can increase rates by as much as thirty percent. Good drivers tend to pay less for car insurance than their less careful counterparts. If you have dangerous violations like DWI, reckless driving or hit and run convictions may find they need to file a SR-22 with the DMV in their state in order to prevent a license revocation.
  • Better credit scores mean better rates – Credit score is a huge factor in determining what you pay for insurance coverage. Drivers with good credit tend to file fewer claims and have better driving records than drivers who have lower credit scores. Therefore, if your credit rating is low, you could save money insuring your 1999 Oldsmobile Eighty-Eight by repairing your credit.
  • Rates may be higher depending on your occupation – Occupations such as lawyers, executives and accountants tend to pay higher rates than average due to high stress and lots of time spent at work. On the flip side, jobs such as pilots, athletes and retirees have the lowest average rates on Eighty-Eight coverage.

Pay less for 1999 Oldsmobile Eighty-Eight insurance

Companies that sell car insurance don’t always advertise all their discounts very clearly, so we took the time to find both well-publicized and the more hidden ways to save on insurance. If you’re not getting every credit you deserve, you are throwing money away.

  • Low Mileage – Low mileage vehicles could be rewarded with discounted rates on garaged vehicles.
  • Discount for Good Grades – A discount for being a good student can save 20 to 25%. The discount lasts up to age 25.
  • Sign Early and Save – Some companies give discounts for switching policies before your current expiration date. It can save you around 10%.
  • Pay Now and Pay Less – If you pay your bill all at once rather than paying monthly you may reduce your total bill.
  • Homeowners Savings – Being a homeowner can save you money due to the fact that maintaining a home demonstrates responsibility.
  • College Student – Kids in college living away from home attending college and do not have access to a covered vehicle may qualify for this discount.
  • Military Rewards – Being on active duty in the military could mean lower rates.

A little note about advertised discounts, most of the big mark downs will not be given to all coverage premiums. Most only reduce the cost of specific coverages such as comprehensive or collision. Even though it may seem like all the discounts add up to a free policy, it just doesn’t work that way.

Insurance companies who might offer these money-saving discounts include:

Double check with each company what discounts are available to you. Savings may not be available in your area.

Slick advertising tricks that work

Consumers can’t ignore all the ads that promise big savings by companies like Geico, State Farm and Progressive. They all seem to say the same thing of big savings if you move to them.

How does each company claim to save you money? This is how they do it.

Insurance companies can use profiling for the right customer that makes them money. A good example of a driver they prefer might be between the ages of 30 and 50, a clean driving record, and has a high credit rating. A driver who meets those qualifications will get the preferred rates and is almost guaranteed to pay quite a bit less when switching companies.

Potential customers who are not a match for the “perfect” profile will be quoted higher rates which usually ends up with the customer not buying. The ads state “customers that switch” not “everybody who quotes” save that much money. This is how companies can make those claims. This emphasizes why drivers should get quotes from several different companies. It’s impossible to know which insurance coverage company will give you the biggest savings on Oldsmobile Eighty-Eight insurance.

Tailor your coverage to you

When it comes to choosing the best insurance coverage coverage for your vehicles, there really is no single plan that fits everyone. Everyone’s situation is a little different.

These are some specific questions can help discover whether or not you will benefit from professional help.

  • Does having multiple vehicles earn me a discount?
  • When should my teen driver be added to my policy?
  • How much liability do I need to cover my assets?
  • Should I get collision insurance on every vehicle?
  • Am I covered if hit by an uninsured driver?
  • How high should my medical payments coverage be?
  • When can I cancel my policy?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • Do I need replacement cost coverage on my 1999 Oldsmobile Eighty-Eight?

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, simply complete this short form. It is quick, free and you can get the answers you need.

Insurance coverage options for an Oldsmobile Eighty-Eight

Having a good grasp of your insurance policy aids in choosing the best coverages at the best deductibles and correct limits. The terms used in a policy can be difficult to understand and nobody wants to actually read their policy.

Uninsured/Underinsured Motorist coverage

Your UM/UIM coverage provides protection from other drivers when they are uninsured or don’t have enough coverage. It can pay for hospital bills for your injuries and damage to your Oldsmobile Eighty-Eight.

Because many people carry very low liability coverage limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is important protection for you and your family.

Comprehensive coverage

This coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against things like vandalism, hail damage, hitting a bird and damage from a tornado or hurricane. The maximum amount a 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 removing comprehensive coverage.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage pay for bills such as funeral costs, rehabilitation expenses, doctor visits and surgery. They are utilized in addition to your health insurance program or if you lack health insurance entirely. It covers not only the driver but also the vehicle occupants and will also cover being hit by a car walking across the street. Personal Injury Protection is only offered in select states but it provides additional coverages not offered by medical payments coverage

Liability insurance

Liability coverage can cover damage that occurs to other people or property. It protects you against claims from other people, and doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: 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 means $100,000 in coverage for each person’s injuries, a per accident bodily injury limit of $300,000, and a limit of $100,000 paid for damaged property.

Liability coverage protects against things like repair costs for stationary objects, loss of income and legal defense fees. The amount of liability coverage you purchase is your choice, but you should buy as high a limit as you can afford.

Collision coverage protection

Collision insurance covers damage to your Eighty-Eight caused by 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 things like scraping a guard rail, sideswiping another vehicle, rolling your car and sustaining damage from a pot hole. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are 8 years or older. You can also choose a higher deductible to get cheaper collision coverage.

And the best car insurance company is…

When shopping online for auto insurance, you should never buy poor coverage just to save money. There have been many situations where someone dropped uninsured motorist or liability limits and discovered at claim time they didn’t purchase enough coverage. Your aim should be to purchase a proper amount of coverage at a price you can afford, not the least amount of coverage.

Insureds leave their current company for a number of reasons such as lack of trust in their agent, an unsatisfactory settlement offer, questionable increases in premium or even not issuing a premium refund. It doesn’t matter what your reason, choosing a new company is not as hard as you think.

Low-cost 1999 Oldsmobile Eighty-Eight insurance can be bought from both online companies in addition to many insurance agents, and you need to comparison shop both in order to have the best chance of saving money. Some insurance companies do not provide online quoting and these small, regional companies work with independent agents.

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