View 1994 Oldsmobile Eighty-Eight Royale Car Insurance Rates

Trying to find cheaper insurance rates? Buyers have lots of choices when searching for the best price on Oldsmobile Eighty-Eight Royale insurance. You can either waste hours calling around getting price quotes or save time using the internet to get rate quotes. There are more efficient ways to find insurance online so we’re going to tell you the proper way to quote coverages for a Oldsmobile and locate the cheapest rates from both online companies and local agents.

Informed drivers can reduce insurance rates

Consumers need to have an understanding of the factors that come into play when calculating your policy premiums. If you have a feel for what controls the rates you pay, this enables informed choices that will entitle you to lower insurance prices.

Listed below are most of the major factors insurance companies consider when setting prices.

  • Gaps in coverage mean higher prices – Driving without insurance is against the law and any future policy may cost more because you let your insurance lapse for non-payment. Not only will you pay higher rates, failure to provide proof of insurance will get you fines or a revoked license. You may have to file a SR-22 with your state DMV.
  • How’s your driving record? – Whether or not you get tickets has a huge affect on how much you pay. Even one ticket can bump up the cost by as much as twenty percent. Drivers who don’t get tickets get better prices than people who have multiple driving citations. People who have serious tickets such as DUI or willful reckless driving may face state-mandated requirements to maintain a SR-22 with the DMV in their state in order to continue driving.
  • Better credit means lower costs – An insured’s credit rating will be a significant factor in determining your rates. Drivers with excellent credit tend to be less risk to insure than those with worse credit. If your credit can be improved, you may save money insuring your 1994 Oldsmobile Eighty-Eight Royale if you improve your credit rating.
  • Is auto insurance cheaper for women or men? – Statistics demonstrate women are more cautious behind the wheel. That doesn’t necessarily mean that men are WORSE drivers than women. Both sexes cause auto accidents in similar percentages, but the male of the species tend to have more serious accidents. Men also tend to have more aggressive citations like driving under the influence (DUI).

Compare quotes for insurance coverage

The majority of larger companies allow consumers to get coverage price quotes online. This process doesn’t take much effort as you simply type in your coverage information as requested by the quote form. Behind the scenes, their system obtains your driving record and credit report and quotes a price determined by many factors.

Online price estimates simplifies rate comparisons, but the process of having to visit a lot of sites and type in your information can get tiresome after awhile. But it’s also necessary to compare as many rates as possible if you are searching for better prices.

The easiest way to locate the lowest prices makes use of a single form to get prices from a lot of companies. It saves time, requires much less work on your part, and makes price shopping online much more efficient. Immediately after you send the form, your coverage is rated with multiple companies and you can pick any of the resulting price quotes. If the quotes result in lower rates, it’s easy to complete the application and buy the new coverage. The whole process takes 15 minutes at the most and can result in significant savings.

To quickly compare pricing, click here to open in new window and submit your coverage information. To compare your current rates, we recommend you duplicate coverages and limits exactly as shown on your declarations page. Doing this assures you will have rate comparison quotes based on identical coverages.

But they said I’d save $381 a year!

Consumers get pounded daily by advertisements for the lowest price car insurance by State Farm, Geico and Progressive. They all seem to make an identical promise that drivers can save some big amount if you move your car insurance policy to them.

Is it even possible that every company can have lower policy pricing? Here is how they do it.

Most companies provide the lowest rates for the driver that makes them money. For instance, a profitable customer should be between the ages of 30 and 50, is a homeowner, and has a short commute. Anybody who matches those parameters will get a cheap rate quote and therefore will save money with a new company.

Potential insureds who fall short of the “perfect” profile must pay a higher premium which results in the customer not buying. The trick is to say “people who switch” but not “all drivers who get quotes” can save as much as they claim. That’s the way insurance companies can confidently state the savings. Each company has different criteria, so you really should compare price quotes frequently. It’s just not possible to know which insurance companies will have the best prices.

Affordable insurance rates with discounts

Some companies don’t always list every discount they offer very well, so the below list has some of the best known and the more hidden credits that may apply to you. If you don’t get every credit available, you are not getting the best rate possible.

  • Active Service Discounts – Being deployed in the military could trigger a small discount.
  • Multi-car Discount – Buying coverage for primary and secondary vehicles on the same insurance policy could earn a price break for each car.
  • Paper-free Discount – A few insurance companies may give you up to $50 for buying your policy on the internet.
  • College Student – Youth drivers who are enrolled in a college that is more than 100 miles from home and do not have access to a covered vehicle can receive lower rates.
  • Low Miles Discount – Driving fewer miles may enable drivers to earn cheaper premium rates.

Don’t be surprised that most of the big mark downs will not be given to the entire policy premium. Most cut specific coverage prices like comprehensive or collision. Despite the fact that it seems like all those discounts means the company will pay you, you’re out of luck.

A few popular companies and some of their more popular discounts are included below.

  • State Farm may have discounts that include Drive Safe & Save, driver’s education, accident-free, passive restraint, good student, and anti-theft.
  • American Family discounts include TimeAway discount, good student, air bags, Steer into Savings, defensive driver, mySafetyValet, and multi-vehicle.
  • Geico may offer discounts for federal employee, seat belt use, emergency military deployment, anti-lock brakes, multi-policy, daytime running lights, and membership and employees.
  • 21st Century may include discounts for homeowners, good student, automatic seat belts, theft prevention, defensive driver, and student driver.
  • Progressive offers discounts for online quote discount, good student, continuous coverage, multi-vehicle, multi-policy, online signing, and homeowner.

It’s a good idea to ask every insurance company to give you their best rates. Some discounts may not apply in your area. To choose companies with discount rates, follow this link.

Tailor your insurance coverage to you

When it comes to buying coverage for your personal vehicles, there isn’t really a cookie cutter policy. Everyone’s situation is unique.

For example, these questions can help discover whether you might need an agent’s assistance.

  • Can my teen drive my company car?
  • Why do I need rental car insurance?
  • Am I covered if I hit a deer?
  • What are the best liability limits?
  • What vehicles should carry emergency assistance coverage?
  • When can my company non-renew my policy?
  • What is PIP insurance?
  • Are there companies who specialize in insuring high-risk drivers?

If it’s difficult to answer those questions, you might consider talking to an insurance agent. To find lower rates from a local agent, fill out this quick form. It is quick, free and you can get the answers you need.

Auto insurance coverage specifics

Having a good grasp of a auto insurance policy can help you determine which coverages you need at the best deductibles and correct limits. Auto insurance terms can be impossible to understand and nobody wants to actually read their policy.

Comprehensive or Other Than Collision

Comprehensive insurance coverage covers damage from a wide range of events other than collision. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage protects against things like hitting a deer, a broken windshield, falling objects, damage from flooding and fire damage. The maximum amount a auto 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 consider removing comprehensive coverage.

Collision coverage

Collision insurance covers damage to your Eighty-Eight Royale resulting from colliding with an object or car. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims like sideswiping another vehicle, crashing into a ditch and backing into a parked car. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Another option is to increase the deductible in order to get cheaper collision rates.

UM/UIM Coverage

Your UM/UIM coverage provides protection from other motorists when they are uninsured or don’t have enough coverage. Covered losses include injuries sustained by your vehicle’s occupants as well as damage to your Oldsmobile Eighty-Eight Royale.

Since many drivers only carry the minimum required liability 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

Personal Injury Protection (PIP) and medical payments coverage kick in for expenses for things like surgery, rehabilitation expenses, prosthetic devices and funeral costs. They are often used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. It covers all vehicle occupants in addition to getting struck while a pedestrian. PIP is only offered in select states but it provides additional coverages not offered by medical payments coverage

Liability coverages

Liability coverage will cover damages or injuries you inflict on other’s property or people that is your fault. This coverage protects you from legal claims by others. It does not cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show values of 100/300/100 that translate to a $100,000 limit per person for injuries, $300,000 for the entire accident, and a total limit of $100,000 for damage to vehicles and property.

Liability coverage protects against claims such as repair costs for stationary objects, medical services, repair bills for other people’s vehicles, loss of income and medical expenses. The amount of liability coverage you purchase is up to you, but you should buy as much as you can afford.

Never pay more for less

Consumers leave their current company for a number of reasons such as delays in responding to claim requests, high rates after DUI convictions, not issuing a premium refund and unfair underwriting practices. Regardless of your reason for switching companies, choosing a new company is not as difficult as it may seem.

When getting car insurance quotes online, it’s not a good idea to reduce needed coverages to save money. There are too many instances where someone dropped liability coverage limits only to regret at claim time that a couple dollars of savings turned into a financial nightmare. The proper strategy is to purchase plenty of coverage at the lowest possible cost while not skimping on critical coverages.

We covered many ideas to reduce 1994 Oldsmobile Eighty-Eight Royale insurance prices online. The key concept to understand is the more price quotes you have, the higher the chance of saving money. You may be surprised to find that the lowest prices are with the smaller companies.

Helpful learning opportunities

Comments About 1994 Oldsmobile Eighty-Eight Royale Insurance

  1. Vicky Moreno

    Will Allstate cancel my policy for a liability claim?

  2. Brigette Bates

    Need cheaper insurance rates for my teenage driver in Cleveland, OH!!

  3. Keesha Lawrence

    I got quite a few price quotes for a 1994 Oldsmobile Eighty-Eight Royale in Portland, Oregon. Ended up at roughly $110 every six months with Amica.

  4. Margeret Kaufman

    Live in the eastern part of Tulsa, OK. I got free prices from Progressive, American Family, and Esurance for my 1994 Oldsmobile Eighty-Eight Royale and I think I saved around $20 each month. I get a discount for insuring multiple vehicles. They have free quotes online. It’s only liability tho.

  5. Jolene Barrera

    Good site, thanks. I’m in South Burlington, VT. Got car insurance quotes with Progressive, Liberty Mutual, and Erie for my Eighty-Eight Royale and saved just over $70 a year. Are quotes cheaper online?

  6. Kip Powers

    Is GEICO or Esurance cheap in Tacoma, WA?

  7. Shery Tanner

    Good detail in your article. Went with Allstate for my 1994 Oldsmobile Eighty-Eight Royale and saved about $120 a year. LOL Next renewal I’ll just do liability.

  8. Reyna Stevens

    I live just to the north of Evansville, IN. Got car insurance prices from State Farm, Hanover, and Esurance for my Oldsmobile and saved $82 a year. Insured with Western Auto Insurance before. Hardly afford to drive anymore. When should I drop full coverage?

  9. Kali Aguirre

    If you don’t have tickets and live near Owensboro, KY, check out State Farm. You might get cheaper rates. :)

  10. Kayla Glass

    GEICO and State Farm had the best prices I found in Tennessee.