Drivers have many options when trying to find affordable Oldsmobile Ninety Eight insurance. You can either spend your time struggling with agents trying to get quotes or utilize the internet to make rate comparisons.
There are more efficient ways to find car insurance online and you need to know the best way to price shop coverage for a new or used Oldsmobile and obtain the lowest possible price from both online companies and local agents.
It’s a good idea to price shop coverage before your next renewal due to the fact that insurance prices change regularly. Despite the fact that you may have had the best quotes on Ninety Eight coverage last year other companies may now be cheaper. There is a lot of bad advice regarding car insurance on the internet, but in just a couple of minutes you can learn the best ways to lower your car insurance rates.
Compare car insurance rate quotes online
Cutting your car insurance rates is an easy way to save money. All that’s required is to invest a few minutes comparing to find out which insurance company has . This can be done in several different ways.
- The most efficient way consumers can analyze rates would be an industry-wide quote request form click here to open form in new window. This method prevents you from having to do a different quote for each price estimate. A single form gets rate comparisons from multiple companies. It’s definitely the quickest method.
- A more time consuming way to find more affordable insurance requires a trip to the website of each company and get a separate price quote. For instance, we’ll assume you want to view quotes from Nationwide, Liberty Mutual and Allstate. You would have to go to each individual site and repeatedly enter your information, and that’s why the first method is more popular. For a list of links to insurance companies in your area, click here.
- The hardest method to get rate quotes is making phone calls or going to different agent offices. The ability to quote online eliminates the middleman unless you’re the type of person who wants the guidance that only an agent can give. You can, however, comparison shop online but have your policy serviced through an agent.
How you compare quotes is your choice, just ensure you are comparing apples-to-apples coverage information for every quote you compare. If you are comparing mixed coverages you will not be able to make a fair rate comparison.
Discounts for lower-cost car insurance quotes
Car insurance is not cheap, but you might be missing out on some discounts that many people don’t even know exist. Some discounts will apply when you purchase, but some need to be specifically requested prior to receiving the credit.
- Drive Safe and Save – Insureds who avoid accidents could pay up to 40% less on Ninety Eight coverage compared to accident prone drivers.
- Early Signing – A few larger companies give discounts for buying a new policy prior to your current policy expiration. The savings is around 10%.
- Anti-theft System – Vehicles optioned with advanced anti-theft systems can help prevent theft and will qualify for a discount on a .
- Government Employee Discount – Having worked for a branch of the government can earn a discount up to 10% on Ninety Eight coverage but check with your company.
- Bundle and Save – If you can bundle your auto and home insurance and insure them with the same company you could save at least 10 to 15 percent or more.
- Club Memberships – Being a member of a civic or occupational organization is a good way to get lower rates on your next renewal.
- Senior Citizen Discount – Mature drivers can possibly qualify for better car insurance rates on Ninety Eight coverage.
- Seat Belts Save more than Lives – Drivers who require all vehicle occupants to use a seat belt can save up to 10 percent (depending on the company) off PIP or medical payments premium.
- Anti-lock Brakes – Cars, trucks, and SUVs equipped with ABS or steering control have fewer accidents and the ABS can save up to 10%.
- Onboard Data Collection – People who choose to allow data collection to analyze where and when they drive by using a telematics device in their vehicle such as In-Drive from State Farm or Allstate’s Drivewise system may get a rate reduction if their driving habits are good.
Please keep in mind that most discounts do not apply to all coverage premiums. Some only apply to individual premiums such as liability, collision or medical payments. So when the math indicates it’s possible to get free car insurance, companies wouldn’t make money that way. Any qualifying discounts will definitely reduce your policy premium.
For a list of insurance companies that provide some of the discounts listed above, click this link.
Are auto insurance agents of importance?
Some people just want to visit with an insurance agent and there is nothing wrong with that. Most agents are trained to spot inefficiencies and help in the event of a claim. The best thing about comparing insurance prices online is that you can find lower rates but still work with a licensed agent. And supporting local insurance agencies is especially important in small towns and cities.
Once you complete this quick form, your insurance data is sent to agents in your area who will give you quotes for your coverage. There is no reason to leave your house since rate quotes are delivered to the email address you provide. In the event you want to get a price quote from a particular provider, you can always visit that company’s website and complete a quote there.
Choose the right car insurance agent
If you are searching for an insurance agent, it’s helpful to know the different types of agencies that differ in how they can insure your vehicles. Car insurance agents may be either independent (non-captive) or captive. Both types of agents can write car insurance policies, but it’s important to point out how they differ since it can impact the kind of agent you use.
Independent Car Insurance Agents
Agents that elect to be independent are not employed by one company and that enables them to quote your coverage with many different companies and get the cheapest rates. If your agent finds better pricing, your policy is moved internally and that require little work on your part. When comparing rates, we recommend you contact at a minimum one independent agency in order to have the best price comparison. Most also write with small mutual carriers which may have better rates.
Captive Insurance Agents
Agents that elect to be captive can only quote rates from one company such as Allstate, Farmers Insurance or State Farm. These agents are not able to compare rates from other companies so they really need to provide good service. Captive agents are well schooled on their company’s products and that enables them to sell even at higher rates. Consumers frequently choose to use a captive agent mainly due to the brand rather than low price.
To locate agencies near you, visit this page to find an insurance agent.
Deciding on an insurance agency should include more criteria than just a cheap quote. These questions are important to ask:
- Are they properly licensed to sell insurance in your state?
- Do they have 24-hour customer assistance?
- Do clients work directly with the agent or are most inquiries handled by a CSR?
- Is the agency covered by Errors and Omissions coverage?
- Can they give you a list of client referrals?
- Are they actively involved in the community?
If you receive good feedback to your questions and locked in a price quote, you’ve probably found an insurance agency that is reliable enough to adequately provide car insurance.
Seven Things That Affect Your Insurance Prices
Many things are taken into consideration when you get your auto insurance bill. Some of the criteria are obvious like an MVR report, although some other factors are not quite as obvious such as whether you are married or how financially stable you are. When buying car insurance it’s important to understand the different types of things that aid in calculating the price you pay for car insurance. If you understand what impacts premium levels, this helps enable you to make changes that will entitle you to better car insurance rates.
- What are good liability limits? – Liability coverage will afford coverage if a court rules you are at fault for personal injury or accident damage. It will provide for a legal defense up to the limits shown on your policy. Liability insurance is quite affordable compared to comp and collision, so buy as much as you can afford.
- Women tend to cost less – Statistics have proven females are less aggressive when driving. The data does not necessarily mean that women are BETTER drivers than men. Males and females get in at-fault accidents at about the same rate, but the males cause more damage and cost insurance companies more money. Men also tend to get higher numbers of serious violations like DUI and reckless driving. Teenage male drivers are most likely to cause an accident so they pay the highest premiums.
- Poor credit can mean higher rates – A driver’s credit history is likely to be a major factor in determining what you pay. If your credit history is not that good, you could pay less to insure your Oldsmobile Ninety Eight if you improve your credit rating. People with excellent credit tend to be better risks to insure than drivers with lower credit scores.
- Marriage is a factor – Having a spouse actually saves money on your car insurance policy. Having a spouse translates into being more stable financially and it’s proven that married drivers get in fewer accidents.
- Safer vehicles save money – Vehicles that have high safety ratings cost less to insure. Highly rated vehicles reduce the chance of injuries and any reduction in injury severity translates into savings for insurance companies which can mean better rates for you. If your Oldsmobile scored better than an “acceptable” rating on the Insurance Institute for Highway Safety website you are probably receiving a discount.
- Combine and save – The majority of insurers give a discount for people who buy several policies from them, otherwise known as a multi-policy discount. Even if you’re getting this discount drivers will still want to compare other company rates to confirm you are receiving the best rates possible. You may still save even more than the discount by splitting coverages up.
- When should you not file a policy claims? – If you tend to file frequent claims, you can expect either higher rates or even cancellation. Insurance companies award cheaper rates to policyholders who only file infrequent claims. Your insurance policy is designed for the large, substantial claims.
Be persistent and save
Drivers switch companies for a variety of reasons including denial of a claim, poor customer service, delays in responding to claim requests and even lack of trust in their agent. It doesn’t matter what your reason, finding a new company is actually quite simple.
As you go through the steps to switch your coverage, you should never skimp on critical coverages to save a buck or two. There are many occasions where someone sacrificed liability coverage limits only to discover later that their decision to reduce coverage ended up costing them more. Your focus should be to buy enough coverage at the best price, but don’t skip important coverages to save money.
You just read some good ideas how to save on Oldsmobile Ninety Eight insurance. The key thing to remember is the more price quotes you have, the more likely it is that you will get a better rate. You may even discover the lowest rates are with a company that doesn’t do a lot of advertising.
