Compare 1995 Oldsmobile Eighty-Eight Royale Car Insurance Quotes

Looking for the cheapest auto insurance rates for your Oldsmobile Eighty-Eight Royale? Have you had enough of not being able to afford to insure your Oldsmobile every month? You are no different than many other drivers.

You have multiple car insurance companies to insure vehicles with, and even though it’s nice to have a selection, too many choices makes it more difficult to compare rates and cut insurance costs.

Finding affordable coverage is easy if you know what you’re doing. If you currently have a car insurance policy, you will most likely be able to reduce your rates substantially using these methods. Nevertheless, drivers benefit from understanding the methods companies use to price online insurance and apply this information to your search.

Free Quotes for Insurance Coverage

When shopping for insurance coverage there are multiple ways to compare rate quotes from insurance coverage companies in your area. The quickest method to find the lowest 1995 Oldsmobile Eighty-Eight Royale rates is to perform an online rate comparison. It is quite easy and can be accomplished in several different ways.

  1. The best way consumers can analyze rates is to use a rate comparison form click to view form in new window. This type of form keeps you from doing separate forms for each company. A single, simple form gets you price quotes from insurance coverage companies with the best prices.
  2. A harder way to analyze rates consists of going to the website of each company and complete a new quote form. For sake of this example, let’s say you want comparison quotes from Progressive, Geico and American Family. To find out each rate you need to take the time to go to each site and 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.

  3. The least efficient way of getting rate comparisons is to spend time driving to local insurance agencies. Buying insurance online makes this process obsolete unless you prefer the trained guidance of a licensed agent. However, consumers can obtain prices from the web but buy from a local insurance agent.

However you get your quotes, ensure you’re using apples-to-apples quote information for every company. If the quotes have unequal deductibles or liability limits you will not be able to determine the lowest rate for your Oldsmobile Eighty-Eight Royale. Having just a slight variation in coverages can make a big difference in price. Just keep in mind that quoting more provides better odds of finding the best rates.

You probably qualify for some discounts

Auto insurance companies don’t list every discount very clearly, so here is a list some of the more common and also the lesser-known savings tricks you should be using.

  • Anti-theft System – Anti-theft and alarm systems prevent vehicle theft and therefore earn up to a 10% discount.
  • Early Switch Discount – Some companies give discounts for signing up prior to your current policy expiration. It’s a savings of about 10%.
  • Safe Drivers – Safe drivers can pay as much as 50% less for Eighty-Eight Royale coverage than drivers with accident claims.
  • Auto/Home Discount – When you combine your home and auto insurance with one insurance company you will save approximately 10% to 15%.
  • Payment Method – If you pay your entire premium ahead of time instead of monthly or quarterly installments you could save 5% or more.
  • Passive Restraint Discount – Vehicles equipped with air bags or automatic seat belts may earn rate discounts of up to 25% or more.
  • Accident Waiver – A handful of insurance companies permit an accident before your rates go up if your claims history is clear for a certain period of time.
  • Own a Home – Owning a home can help you save on insurance because of the fact that having a home demonstrates responsibility.
  • Distant Student – Children who live away from home and don’t have a car can receive lower rates.
  • Good Student – Getting good grades can get you a discount of up to 25%. Earning this discount can benefit you well after school through age 25.

Drivers should understand that many deductions do not apply to the entire cost. Most cut the cost of specific coverages such as liability, collision or medical payments. So even though they make it sound like adding up those discounts means a free policy, you won’t be that lucky.

Car insurance companies that possibly offer some of the above discounts include:

It’s a good idea to ask every prospective company which discounts you may be entitled to. All car insurance discounts might not apply in your area.

There’s no such thing as the perfect policy

When choosing proper insurance coverage, there is no one size fits all plan. Your needs are not the same as everyone else’s so this has to be addressed. For instance, these questions can help discover if your situation might need an agent’s assistance.

  • Do I need replacement cost coverage on my 1995 Oldsmobile Eighty-Eight Royale?
  • Do I need PIP (personal injury protection) coverage in my state?
  • When should I drop full coverage on my 1995 Oldsmobile Eighty-Eight Royale?
  • What is no-fault insurance?
  • Do I need an umbrella policy?
  • Is my cargo covered for damage or theft?
  • What if I total my 1995 Oldsmobile Eighty-Eight Royale and owe more than it’s worth?
  • Should I carry comprehensive and collision coverage?
  • Is my teen driver covered when they drive my company car?
  • Is a fancy paint job covered?

If you can’t answer these questions but one or more may apply to you, then you may want to think about talking to an insurance agent. To find an agent in your area, take a second and complete this form or go to this page to view a list of companies.

Oldsmobile Eighty-Eight Royale rate determination is complex

Consumers need to have an understanding of the factors that go into determining your car insurance rates. Having a good understanding of what influences your rates allows you to make educated decisions that can help you get big savings.

Listed below are a few of the “ingredients” companies use to determine your rates.

  • Higher safety ratings means cheaper insurance – Vehicles with high crash test scores tend to have better insurance rates. Safe vehicles result in less severe injuries and fewer injuries translates into fewer and smaller insurance claims and lower rates for you. If your Oldsmobile earned at least four stars on Safercar.gov it is probably cheaper to insure.
  • Pay less if you’re married – Being married can get you a discount on your policy. Having a spouse usually means you are more mature and it’s proven that being married results in fewer claims.
  • Traffic violations increase rates – Careful drivers tend to pay less for car insurance than people who have multiple driving citations. Only having one ticket can boost insurance rates by as much as thirty percent. Drivers who have severe citations like reckless driving, hit and run or driving under the influence may need to submit a SR-22 form to the state department of motor vehicles in order to drive a vehicle legally.
  • Where do you drive? – The more you drive each year the more you’ll pay to insure your vehicle. Most insurance companies price each vehicle’s coverage based upon how you use the vehicle. Vehicles left parked in the garage receive lower rates compared to those used for work or business. Make sure your car insurance policy is rated on the correct driver usage, because improper ratings can cost you money. Incorrect usage on your Eighty-Eight Royale can result in significantly higher rates.
  • Where you live – Choosing to live in less populated areas can save you money when buying car insurance. Lower population means a lower chance of having an accident as well as less vandalism and auto theft. Drivers in populated areas tend to have traffic congestion and a longer drive to work. Longer commute distances means higher likelihood of an accident.
  • Keep rates low by being claim-free – If you are a frequent claim filer, you can pretty much guarantee either policy cancellation or increased premiums. Car insurance companies generally give lower rates to drivers who are claim-free. Your insurance policy is intended for the large, substantial claims.
  • Bundling policies can get discounts – Some insurers will award you with lower prices to policyholders who carry more than one policy. It’s known as a multi-policy discount. This can amount to five, ten or even twenty percent. If you currently are using one company, it’s still a good idea to compare rates to verify if the discount is saving money. Drivers may still find better rates by buying car insurance from a different company.

Can you really save $488 a year?

Companies like State Farm and Allstate continually stream ads on TV and radio. All the ads make an identical promise about savings after switching your coverage to them. How can each company say the same thing? This is how they do it.

All the different companies can use profiling for the driver that earns them a profit. An example of a profitable customer might be profiled as between the ages of 40 and 55, a clean driving record, and has a high credit rating. A propective insured who fits that profile is entitled to the best price and therefore will save a lot of money.

Potential customers who don’t meet the requirements will be charged more money and this can result in business going elsewhere. The ads say “drivers who switch” but not “drivers who get quotes” save money. This is how insurance companies can advertise the savings. That is why you should get a wide range of price quotes. It’s just too difficult to predict which company will provide you with the cheapest Oldsmobile Eighty-Eight Royale insurance rates.

Detailed coverages of your insurance policy

Understanding the coverages of your policy can be of help when determining which coverages you need and the correct deductibles and limits. The terms used in a policy can be impossible to understand and even agents have difficulty translating policy wording. These are the normal coverages found on most insurance policies.

Protection from uninsured/underinsured drivers – Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other motorists when they do not carry enough liability coverage. Covered losses include hospital bills for your injuries as well as damage to your 1995 Oldsmobile Eighty-Eight Royale.

Because many people only carry the minimum required liability limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is important protection for you and your family.

Medical expense insurance – Personal Injury Protection (PIP) and medical payments coverage reimburse you for expenses for things like ambulance fees, surgery, prosthetic devices, pain medications and rehabilitation expenses. They are used to fill the gap from your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover not only the driver but also the vehicle occupants as well as being hit by a car walking across the street. Personal injury protection coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Liability – Liability coverage provides protection from damage or injury you incur to people or other property in an accident. It protects you against claims from other people. It does not cover damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have policy limits of 25/50/25 which stand for $25,000 bodily injury coverage, a limit of $50,000 in injury protection per accident, and a limit of $25,000 paid for damaged property.

Liability coverage protects against claims like bail bonds, medical expenses, repair costs for stationary objects, medical services and funeral expenses. The amount of liability coverage you purchase is a decision to put some thought into, but it’s cheap coverage so purchase as much as you can afford.

Comprehensive (Other than Collision) – Comprehensive insurance pays for damage from a wide range of events other than collision. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things like damage from flooding, falling objects, theft and fire damage. The maximum amount a insurance company will pay at claim time is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Collision – This coverage pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. You will need to pay your deductible and then insurance will cover the remainder.

Collision insurance covers things like crashing into a building, damaging your car on a curb and backing into a parked car. Collision is rather expensive coverage, so consider dropping it from lower value vehicles. You can also bump up the deductible to bring the cost down.

Save your cold hard cash

We covered some good ideas how to reduce 1995 Oldsmobile Eighty-Eight Royale insurance prices online. The key thing to remember is the more rate quotes you have, the more likely it is that you will get a better rate. You may be surprised to find that the best prices are with a smaller regional carrier. These smaller insurers can often insure niche markets at a lower cost than the large multi-state companies such as State Farm or Progressive.

Discount insurance is attainable on the web in addition to many insurance agents, and you need to comparison shop both in order to have the best chance of saving money. A few companies do not provide online price quotes and most of the time these small, regional companies sell through independent agents.

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