1995 Oldsmobile Eighty-Eight Royale Car Insurance Rates – 5 Tricks for Best Quotes

Looking for lower car insurance rates? Shoppers have a choice when shopping for low-cost Oldsmobile Eighty-Eight Royale insurance. You can either waste hours struggling with agents trying to get quotes or use the internet to make rate comparisons. There is a right way and a wrong way to buy car insurance and we’ll show you the best way to compare rates for a new or used Oldsmobile and find the cheapest rates.

You need to take a look at other company’s rates periodically because insurance prices are constantly changing. Just because you found the best rate on Eighty-Eight Royale insurance two years ago there may be better deals available now. Forget anything you know (or think you know) about car insurance because you’re about to learn the right way to properly buy coverages while reducing your premium.

Find discounts on insurance coverage

Insuring your fleet can be pricey, but you can get discounts that can drop the cost substantially. Larger premium reductions will be automatically applied at the time of quoting, but a few must be manually applied before being credited.

• Early Payment Discounts – If you pay your bill all at once rather than paying in monthly installments you can avoid monthly service charges.
• Life Insurance Discount – Not every insurance company offers life insurance, but if they do you may earn a discounted premium rate on car insurance if you buy life insurance from them.
• Smart Student Discounts – This discount can save 20 to 25%. The discount lasts well after school through age 25.
• Multi-policy Discount – If you combine your homeowners and auto policies with one company you will save 10% to 20% off each policy.
• Seat Belt Usage – Drivers who require all vehicle occupants to buckle their seat belts may be able to save a few bucks off PIP or medical payments premium.

Consumers should know that most of the big mark downs will not be given to all coverage premiums. Most only cut individual premiums such as physical damage coverage or medical payments. So despite the fact that it appears you can get free auto insurance, company stockholders wouldn’t be very happy. But all discounts will reduce your policy premiums.

Insurance companies that have these discounts may include but are not limited to:

• State Farm
• American Family
• Geico
• 21st Century
• Progressive

If you are trying to find the cheapest auto insurance quotes, ask all the companies which discounts can lower your rates. Some of the discounts discussed earlier may not be offered in your area. To locate insurance coverage companies who offer insurance coverage discounts, click here.

How much is car insurance?

Cutting your car insurance rates is actually easier than you may think. You just have to take the time getting comparison quotes from online providers. This is very easy and can be done by following the guidelines below.

1. If you’re in a hurry, the quickest way to find the lowest comparison rates would be an industry-wide quote request form click to view form in new window. This type of form eliminates the need for repetitive form entry for each price estimate. One quote request gets rate comparisons from many national carriers. This is perfect if you don’t have a lot of time.
2. A more difficult way to find lower rates requires a trip to the website for every company you want to comare and get a separate price quote. For instance, let’s say you want comparison quotes from State Farm, Esurance and Farmers. To find out each rate you need to go to each individual site and enter your policy data, which can get old fast.

   To view a list of companies in your area, click here.

3. Even if you have time, the least recommended method to quote and compare insurance rates is actually driving to insurance agents’ offices. Comparing rates online makes this unnecessary unless you have a complicated situation and need the extra assistance that only an agent can give. Drivers can price shop online but buy from a local insurance agent.

It doesn’t matter which method you choose, just compare exactly the same quote information for each quote you get. If you compare higher or lower deductibles it will be very difficult to determine the lowest rate for your Oldsmobile Eighty-Eight Royale.

Tailor your insurance coverage coverage to you

When it comes to choosing adequate coverage, there is no best way to insure your cars. Everyone’s needs are different.

For instance, these questions might point out if your situation would benefit from an agent’s advice.

• Am I covered if I hit my neighbor’s mailbox?
• What if I total my 1995 Oldsmobile Eighty-Eight Royale and owe more than it’s worth?
• Does insurance cover damages from a DUI accident?
• Am I covered if my car is in a flood?
• Why am I required to buy liability insurance?
• Does having multiple vehicles earn me a discount?
• Does my medical payments coverage pay my health insurance deductible?
• Are rock chip repairs covered?
• When do I need to add a new car to my policy?
• What is covered by UM/UIM coverage?

If you’re not sure about those questions, then you may want to think about talking to a licensed insurance agent. To find an agent in your area, fill out this quick form. It’s fast, free and can help protect your family.

Learn about insurance coverages for an Oldsmobile Eighty-Eight Royale

Having a good grasp of insurance can be of help when determining the best coverages and proper limits and deductibles. The terms used in a policy can be difficult to understand and even agents have difficulty translating policy wording.

Liability

This coverage can cover damage that occurs to people or other property in an accident. This coverage protects you from legal claims by others, and doesn’t cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see limits of 100/300/100 that means you have $100,000 in coverage for each person’s injuries, a per accident bodily injury limit of $300,000, and a total limit of $100,000 for damage to vehicles and property.

Liability insurance covers claims like repair costs for stationary objects, structural damage and medical expenses. How much coverage you buy is up to you, but it’s cheap coverage so purchase higher limits if possible.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage reimburse you for bills for things like chiropractic care, doctor visits, nursing services, surgery and hospital visits. They can be used to fill the gap from your health insurance policy or if you do not have health coverage. Coverage applies to not only the driver but also the vehicle occupants and also covers if you are hit as a while walking down the street. PIP coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Auto collision coverage

Collision coverage pays for damage to your Eighty-Eight Royale resulting from a collision with a stationary object or other vehicle. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for things such as driving through your garage door, damaging your car on a curb, crashing into a building and hitting a mailbox. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Drivers also have the option to increase the deductible to get cheaper collision coverage.

Comprehensive coverage

Comprehensive insurance coverage pays for damage from a wide range of events other than collision. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things like falling objects, hail damage and a broken windshield. The most your insurance company will pay is the market value of your vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Uninsured/Underinsured Motorist coverage

Uninsured or Underinsured Motorist coverage provides protection when other motorists are uninsured or don’t have enough coverage. Covered losses include injuries sustained by your vehicle’s occupants and damage to your Oldsmobile Eighty-Eight Royale.

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

Shop. Compare. Save.

When getting auto insurance quotes online, it’s not a good idea to reduce coverage to reduce premium. Too many times, an insured dropped full coverage and discovered at claim time that it was a big mistake. The goal is to purchase plenty of coverage for the lowest cost while not skimping on critical coverages.

Drivers who switch companies do it for many reasons like high rates after DUI convictions, being labeled a high risk driver, poor customer service or even an unsatisfactory settlement offer. No matter why you want to switch, finding a new insurance company is pretty simple and you could end up saving a buck or two.

We just covered a lot of tips how to reduce 1995 Oldsmobile Eighty-Eight Royale insurance premium rates online. The most important thing to understand is the more providers you compare, the better your chances of lowering your prices. Consumers may even find the best price on insurance is with some of the smallest insurance companies.

More information can be found at these links:

• Side Impact Crash Tests (iihs.org)
• Things to Know Before you Cancel Insurance (Allstate)
• Vehicle Size and Weight FAQ (iihs.org)
• Comprehensive Coverage (Liberty Mutual)
• Insuring a Leased Car (Insurance Information Insitute)
• Understanding your Policy (NAIC.org)