Lower Your 1997 Oldsmobile Regency Insurance Quotes

There isn’t a single person who rejoices having to buy insurance, especially when it costs too dang much.

Vehicle owners have many insurers to purchase coverage from, and although it’s nice to have a choice, lots of choices makes it harder to find a good deal.

Low cost insurance coverage prices

Most larger insurance companies such as Geico, State Farm and Progressive provide insurance quotes online. Comparing rates online can be done by anyone because you just enter the amount of coverage you want on the page. After the form is submitted, the quote system orders reports for credit and driving violations and gives you a price quote based on many factors. Being able to quote online makes it a lot easier to compare rates but the process of having to visit several different sites and fill out multiple forms is repetitive and time-consuming. But it’s absolutely necessary to get many rate quotes in order to get lower prices.

A quicker way to compare rates uses one simple form that analyzes rates from many companies. It’s a real time-saver, reduces the work, and makes online price comparison much more enjoyable and efficient. Immediately after submitting the form, it is quoted and you are able to buy any one of the quotes returned. If the quotes result in lower rates, you can click and sign and buy the policy. The entire process just takes a couple of minutes and can result in significant savings.

In order to find out what other companies charge, click here and begin entering your coverage information. To compare your current rates, we recommend you enter the coverages just like they are on your policy. Doing this guarantees you will receive a price comparison using the same coverage and limits.

Insurance prices are influenced by these factors

Consumers need to have an understanding of some of the elements that aid in calculating your insurance coverage rates. If you understand what impacts premium levels, this enables informed choices that may reward you with big savings.

The factors shown below are some of the factors used by companies to determine prices.

• Alarms and GPS tracking lower prices – Buying a car with a theft deterrent system can help bring down rates. Systems that thwart theives like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all aid in stopping car theft and help bring rates down.
• Multiple policies with one company – Most major insurance companies allow better rates to people who have multiple policies with them such as combining an auto and homeowners policy. Even if you already get this discount, consumers should still compare rates to help ensure you have the lowest rates. Consumers may save even more even if you have your coverage with different companies
• Experienced drivers pay less – Inexperience drivers are statistically proven to be easily distracted when behind the wheel therefore insurance coverage rates are much higher. Mature drivers are viewed as being more responsible, cost insurance companies less in claims and tend to be get fewer driving tickets.
• Avoid unnecessary incidental coverages – There are a lot of add-on coverages that you can buy on your Regency policy. Coverage for things like roadside assistance, towing, and membership fees are examples of these. They may seem good initially, but now you might not need them so get rid of them and save.
• Insurance rates in urban areas – Choosing to live in a rural area can be a good thing when talking about insurance coverage. Fewer people means fewer accidents as well as less vandalism and auto theft. Drivers who live in large cities have to deal with more traffic problems and a longer drive to work. Longer commute distances translates into higher accident risk.
• What are your deductibles? – The deductibles define the amount you are required to spend if you file a covered claim. Insurance for physical damage to your car, aka comp and collision, is used to repair damage to your car. Some coverage claims are collision with another vehicle, collision with a deer, and having a roll-over accident. The larger the amount the insured is willing to pay, the less your company will charge you for insurance for Regency insurance.

Discounts for affordable insurance rates

Companies don’t necessarily list every policy discount in an easy-to-find place, so the next list breaks down a few of the more common and also the lesser-known discounts that you can inquire about if you buy car insurance online.

• Theft Deterent – Anti-theft and alarm system equipped vehicles are less likely to be stolen and will qualify for a discount on a car insurance quote.
• Federal Employees – Federal government employees may reduce rates when you quote car insurance for Regency insurance with a few insurance companies.
• Discounts for New Vehicles – Insuring a vehicle that is new can cost up to 25% less because new model year vehicles are generally safer.
• Low Miles Discount – Low mileage vehicles can qualify you for slightly better premium rates than normal.
• Multi-car Discount – Buying a policy with primary and secondary vehicles with one company can get a discount on all vehicles.
• Student Discount for Driver Training – Have your child enroll and complete driver’s education if offered at their school.
• Pay Early and Save – If you can afford to pay the entire bill instead of paying each month you may have a lower total premium amount.
• Air Bag Discount – Options like air bags or motorized seat belts can receive discounts of 20% or more.
• Anti-lock Brake System – Cars that have anti-lock braking systems can stop better under adverse conditions and therefore earn up to a 10% discount.

Discounts save money, but please remember that most discount credits are not given to the entire policy premium. Most only reduce individual premiums such as comprehensive or collision. Even though it appears all the discounts add up to a free policy, it’s just not the way it works. But any discount will positively reduce your policy premium.

Large insurance companies and some of their more popular discounts are shown below.

• Mercury Insurance may have discounts that include location of vehicle, anti-theft, professional/association, multi-car, and good driver.
• Farmers Insurance has savings for mature driver, good student, pay in full, distant student, homeowner, teen driver, and electronic funds transfer.
• Farm Bureau may include discounts for driver training, safe driver, multi-policy, multi-vehicle, good student, and youthful driver.
• State Farm offers discounts for good student, Steer Clear safe driver discount, defensive driving training, multiple policy, multiple autos, passive restraint, and Drive Safe & Save.
• Allstate policyholders can earn discounts including 55 and retired, auto/life discount, good student, multi-policy, and teenSMART discount.
• Geico offers premium reductions for seat belt use, anti-theft, military active duty, air bags, and anti-lock brakes.

When quoting, ask each insurance company to apply every possible discount. Some discounts listed above might not be offered on policies everywhere. To choose providers that can offer you the previously mentioned discounts, follow this link.

Tailor your insurance coverage coverage to you

When it comes to buying proper insurance coverage for your vehicles, there is no cookie cutter policy. Everyone’s needs are different so this has to be addressed. These are some specific questions can help discover if your insurance needs might need professional guidance.

• Should I buy full coverage?
• Will my vehicle be repaired with OEM or aftermarket parts?
• Do I need roadside assistance coverage?
• How can I get high-risk coverage after a DUI?
• How can I force my company to pay a claim?
• Do I pay less if my vehicle is kept in my garage?
• How can I get my company to pay me more for my totalled car?

If you can’t answer these questions but one or more may apply to you, you may need to chat with an insurance agent. If you don’t have a local agent, simply complete this short form or go to this page to view a list of companies.

Insurance policy specifics

Having a good grasp of a insurance policy can help you determine the best coverages and the correct deductibles and limits. The terms used in a policy can be confusing and nobody wants to actually read their policy. These are the normal coverages offered by insurance companies.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Uninsured or Underinsured Motorist coverage gives you protection when other motorists are uninsured or don’t have enough coverage. Covered claims include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Due to the fact that many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Comprehensive auto coverage

Comprehensive insurance pays for damage that is not covered by collision coverage. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things such as fire damage, hitting a deer, hail damage, a tree branch falling on your vehicle and damage from a tornado or hurricane. The most your insurance company will pay is the market value of your vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Medical payments and PIP coverage

Personal Injury Protection (PIP) and medical payments coverage pay for immediate expenses such as pain medications, hospital visits, X-ray expenses, prosthetic devices and rehabilitation expenses. The coverages can be used to fill the gap from your health insurance policy or if you lack health insurance entirely. Coverage applies to not only the driver but also the vehicle occupants as well as getting struck while a pedestrian. Personal injury protection coverage is not available in all states but can be used in place of medical payments coverage

Collision coverage protection

This coverage pays for damage to your Regency caused by collision with another vehicle or an object, but not an animal. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims like colliding with another moving vehicle, sideswiping another vehicle, damaging your car on a curb and hitting a mailbox. Collision is rather expensive coverage, so consider removing coverage from vehicles that are 8 years or older. You can also bump up the deductible in order to get cheaper collision rates.

Liability car insurance

Liability coverage provides protection from injuries or damage you cause to other’s property or people by causing an accident. It protects you against claims from other people. Liability doesn’t cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show limits of 25/50/25 that translate to a $25,000 limit per person for injuries, a limit of $50,000 in injury protection per accident, and $25,000 of coverage for damaged propery.

Liability insurance covers claims such as emergency aid, legal defense fees, pain and suffering, funeral expenses and bail bonds. How much coverage you buy is your choice, but consider buying as high a limit as you can afford.

Be a penny pincher

When trying to cut insurance costs, never skimp on coverage in order to save money. There have been many situations where an insured dropped collision coverage only to regret at claim time that the few dollars in savings costed them thousands. The aim is to get the best coverage possible at the lowest possible cost while not skimping on critical coverages.

You just learned many tips how you can compare 1997 Oldsmobile Regency insurance rates online. It’s most important to understand that the more quotes you get, the better your chances of lowering your auto insurance rates. Consumers may even find the lowest priced car insurance comes from some of the smallest insurance companies. These smaller insurers can often provide lower auto insurance rates in certain areas than the large multi-state companies such as Geico and State Farm.

Some insurance companies may not offer price quotes online small insurance companies only sell coverage through local independent agents. Cheap 1997 Oldsmobile Regency insurance can be bought online and also from your neighborhood agents, so you should be comparing quotes from both in order to have the best price selection to choose from.

More information can be found at the links below

• Reducing Your Risks in a Car Crash Video (iihs.org)
• Alcohol Impaired Driving FAQ (iihs.org)
• How Can I Save Money on Auto Insurance? (Insurance Information Insitute)
• Auto Insurance for Teen Drivers (Insurance Information Insitute)
• Learn About Car Insurance (Geico)
• State Laws for Cellphones and Texting (iihs.org)