Vehicles > Oldsmobile > Regency

Oldsmobile Regency Insurance Cost

You have lots of choices when finding cheaper insurance coverage on your Oldsmobile vehicle. You can buy direct from a local agent or shop online to compare insurance costs of many different auto insurance companies. Shopping for auto insurance through online rate quotes is easy and at the same time you might just save a little.

Consumers not familiar with comparison shopping may think shopping for low-cost Regency insurance is going to be difficult. Finding cheaper coverage prices can be surprisingly simple. All you need to do is take the time to get quotes from different insurance companies. This is very easy and can be done by getting a quick quote here.

What factors impact car insurance premiums?

Auto insurance rates on a Oldsmobile Regency can be significantly different based upon several criteria. Taken into consideration are:

  • The performance level of your Regency
  • How many accidents you have had
  • Whether you insure your home with the same company
  • Pleasure use vs. commuting use
  • Your birth date
  • Being married may save money
  • Special coverage such as replacement cost
  • Claims drive up premiums
  • Maintaining coverage lowers rates
  • Whether you rent or own your home

A final factor that will help determine Regency insurance cost is the model year. Models that are new have a higher replacement value in comparison to later models so repair costs are higher which may end up costing you more. But newer vehicles may have a trim level with safety features including lane departure warning system, autonomous braking, pedestrian detection, and blind-spot warning system that may help help offset higher rates.

To get more specific information about how much rates will be for your vehicle, select the year of your Regency from available model years below.

Auto liability

Liability insurance can cover damages or injuries you inflict on people or other property by causing an accident. Liability coverage protects against things such as emergency aid, pain and suffering, and medical services. Liability insurance is relatively cheap so consider buying as large an amount as possible.

Collision protection

Collision coverage covers damage to your Oldsmobile resulting from a collision with an object or car. You first must pay a deductible and then insurance will cover the remainder. Collision coverage for your Regency can be pricey, so consider dropping it from vehicles that are older. Drivers also have the option to bump up the deductible to save money on collision insurance.

Comprehensive auto coverage

This coverage covers 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 Regency comprehensive insurance. The highest amount you can receive from a comprehensive claim is the actual cash value, so if your deductible is as high as the vehicle's value it's probably time to drop comprehensive insurance.

Uninsured or underinsured coverage

This provides protection when the "other guys" either are underinsured or have no liability coverage at all. 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 payments and PIP coverage

Coverage for medical payments and/or PIP provide coverage for expenses (i.e. doctor visits, EMT expenses, and X-ray expenses). They can be used in conjunction with a health insurance policy or if there is no health insurance coverage. PIP is not an option in every state and may carry a deductible.

How Much are Oldsmobile Regency Insurance Rates?