Oldsmobile Eighty-Eight Insurance Rates

You have many choices when trying to insure your Oldsmobile Eighty-Eight. You can buy direct from an agent or get quotes online to compare insurance costs of insurance carriers. Shopping for car insurance by getting online quotes saves time, is easy to do, in addition you can save money.

Comparing car insurance rates direct online can be complicated if you are a beginner to quoting online. But don't be discouraged because it's actually quite easy. Finding a lower price on Oldsmobile Eighty-Eight insurance can be relatively painless. You just have to take a little time getting comparison quotes online from several insurance companies. This is very easy and can be done by getting a quick quote here.

Criteria which help determine Oldsmobile Eighty-Eight insurance rates

Car insurance premiums on an Oldsmobile Eighty-Eight can be significantly different and are calculated by many factors. A few of these criteria are:

• High performance increases premiums
• How many accidents you have had
• Whether you insure your home with the same company
• Pleasure use vs. commuting use
• Optional coverages like vehicle replacement
• Your claim history
• Maintaining coverage lowers rates
• Owning a home can lower rates

An additional factor that will help determine Oldsmobile Eighty-Eight insurance rates is the year of the vehicle. Models that are new have a higher replacement value than older models so the costs to repair may end up costing you more. But newer models may have safety features including a telematics system, dual-stage airbags, a rollover prevention system, and a collision avoidance system that may help help offset higher rates.

Liability

This protects you from injuries or damage you cause to people or other property by causing an accident. Liability coverage protects against claims such as funeral expenses, loss of income, and emergency aid. It is cheap coverage so you should buy as large an amount as possible.

Collision coverage

Collision coverage pays for damage to your Eighty-Eight resulting from a collision with another vehicle or an object, but not an animal. You first must pay a deductible then the remaining damage will be paid by your insurance company. Collision coverage for your Oldsmobile Eighty-Eight can be pricey, so analyze the benefit of dropping coverage from older vehicles. Drivers also have the option to raise the deductible to save money on collision insurance.

Comprehensive or Other Than Collision

This coverage covers damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and then insurance will cover the rest of the damage. The highest amount a car insurance company will pay at claim time is the cash value of the vehicle, so if your deductible is as high as the vehicle's value consider dropping full coverage.

Uninsured Motorist or Underinsured Motorist insurance

This coverage provides protection when the "other guys" do not carry enough liability coverage. Due to the fact that many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is important protection for you and your family.

Medical costs insurance

Med pay and PIP coverage kick in for bills such as ambulance fees, surgery, and doctor visits. They can be used in conjunction with a health insurance policy or if there is no health insurance coverage. PIP coverage is not available in all states and may carry a deductible.