Oldsmobile Ninety-Eight Insurance Rates

Comparing auto insurance through online rate quotes is easy and at the same time you might just save a little. The key is to compare rates from as many companies as possible in order to have the best prices.

Beginners to comparison shopping may think buying cut-rate Oldsmobile Ninety-Eight insurance is going to be difficult. Finding a better price on auto insurance can be surprisingly simple. Consumers just need to spend a few minutes to get quotes from different insurance companies. This can be done by comparing rates here.

What factors impact the rate you pay?

Auto insurance rates for your Oldsmobile Ninety-Eight will vary greatly based upon several criteria. Taken into consideration are:

• Your driving record
• Your credit history
• Men typically pay more than women
• Deductible amount directly impacts your rate
• Your vehicle's safety rating
• Claims drive up premiums
• Having continuous coverage saves you money
• Whether you rent or own your home

A final factor that can impact Oldsmobile Ninety-Eight insurance rates is the model year. Newer models have a higher value in comparison to later models so repair costs are higher which will push premiums up. Although more recent Ninety-Eight vehicles may have a trim level with safety features included like autonomous braking, automatic crash notification, sideview assist mirrors, and adaptive headlights so those may lower rates.

Auto liability - Liability insurance will cover damages or injuries you inflict on other's property or people. Liability insurance covers things such as emergency aid, pain and suffering, and medical services. Liability insurance is relatively cheap so consider buying as much as you can afford.

Collision coverages - This coverage will pay to fix damage to your Ninety-Eight resulting from colliding with an object or car. You have to pay a deductible and then insurance will cover the remainder. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are older. You can also bump up the deductible in order to get cheaper Oldsmobile Ninety-Eight insurance rates.

Comprehensive auto coverage - Comprehensive insurance coverage pays for damage that is not covered by collision coverage. You first have to pay a deductible and the remainder of the damage will be paid by your Oldsmobile Ninety-Eight comprehensive insurance. The maximum amount you can receive from a comprehensive claim is the actual cash value, so if it's not worth much more than your deductible it's not worth carrying full coverage.

Uninsured and underinsured coverage - This protects you and your vehicle's occupants from other motorists when they are uninsured or don't have enough coverage. Because many people only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is a good idea.

Medical payments and PIP coverage - Personal Injury Protection (PIP) and medical payments coverage provide coverage for expenses (i.e. doctor visits, EMT expenses, and X-ray expenses). They are often utilized in addition to your health insurance plan or if you are not covered by health insurance. PIP is only offered in select states and gives slightly broader coverage than med pay.