View 1998 Oldsmobile Regency Car Insurance Quotes

I really doubt anyone loves paying for insurance coverage, especially when the prices are way too high.

Companies like Geico and Progressive persitently shower you with TV and radio ads and it can be hard to avoid their marketing magic and find the best price available.

Get cheap insurance with discounts

Companies that sell car insurance don’t necessarily list all disounts in a way that’s easy to find, so the following list contains some of the more common and the more hidden credits available to bring down your rates.

• Safety Course Discount – Taking a course in defensive driver is a good idea and can lower rates and easily pay for the cost of the class.
• Driver’s Education for Students – Have your child enroll and complete driver’s education as it can save substantially.
• Discount for Life Insurance – Some insurance carriers give a lower insurance rate if you buy a life insurance policy as well.
• Accident-Free Discounts – Insureds with no claims or accidents have much lower rates as compared to drivers who are more careless.
• Senior Citizens – Seniors may qualify for a slight reduction on a auto insurance quote on Regency insurance.
• Distant Student Discount – Youth drivers who are attending college and do not have access to a covered vehicle could get you a discount.
• Own a Home and Save – Just being a homeowner can save you money since home ownership requires personal responsibility.
• Safety Restraint Discount – Drivers who require all vehicle occupants to use a seat belt can save up to 15% on the premium charged for medical payments and/or PIP.
• Active Service Discounts – Having a deployed family member could trigger a small discount.

One thing to note about discounts is that some of the credits will not apply the the whole policy. Most cut the cost of specific coverages such as comp or med pay. Just because you may think you can get free auto insurance, it doesn’t quite work that way.

A few of the larger companies and some of the discounts are detailed below.

• State Farm has discounts for passive restraint, multiple policy, accident-free, driver’s education, and good driver.
• Liberty Mutual includes discounts for preferred payment discount, multi-car, exclusive group savings, safety features, newly retired, and new move discount.
• American Family policyholders can earn discounts including Steer into Savings, air bags, good driver, good student, and defensive driver.
• Progressive has savings for multi-vehicle, good student, multi-policy, continuous coverage, homeowner, online quote discount, and online signing.
• Farmers Insurance may have discounts that include switch companies, homeowner, pay in full, good student, youthful driver, and early shopping.
• Auto-Owners Insurance may offer discounts for mature driver, paid in full, group or association, safe driver, multi-policy, air bags, and safe vehicle.
• SAFECO discounts include teen safe driver, teen safety rewards, drive less, multi-car, bundle discounts, and safe driver.

If you need lower rates, check with every company what discounts are available to you. Some of the earlier mentioned discounts might not be offered on policies in your area. For a list of companies that offer the discounts shown above, click here to view.

Eight tips to get lower-cost insurance prices

A large part of saving on auto insurance is knowing the factors that help calculate the price you pay for auto insurance. If you understand what influences your rates, this allows you to make good choices that may result in big savings.

Listed below are some of the most rate-impacting factors used by your company to calculate rates.

• Bundle policies and save money – Lots of insurance companies allow lower prices to buyers who carry more than one policy in the form of a multi-policy discount. If you currently are using one company, you may still want to compare other company rates to confirm you are receiving the best rates possible. Consumers may find a better deal by splitting coverages up.
• Marriage discount – Having a wife or husband can actually save you money on auto insurance. Having a spouse translates into being more mature and responsible and statistics show married drivers tend to have fewer serious accidents.
• Additional coverages that may be costing you – Insurance companies have many extra add-on coverages that can add up on your auto insurance policy. Insurance for replacement cost coverage, accidental death, and extra life insurance coverage are some examples. The coverages may be enticing initially, but if they’re wasting money remove them from your policy.
• Safeguard your assets with liability coverage – A critical coverage on your policy, liability insurance is the protection if you are found to be at fault for damages caused by your negligence. It provides for a legal defense to attempt to prove you were not liable. It is affordable coverage when compared to the cost of physical damage coverage, so insureds should have plenty of protection for their assets.
• Costs are affected by your address – Choosing to live in less populated areas has definite advantages when shopping for auto insurance. Less people living in that area means fewer accidents and a lower car theft rate. People in densly populated areas regularly have more road rage incidents and more severe claims. More time on the road statistically corresponds to a higher accident and claim rate.
• Save money by raising physical damage deductibles – Comp and collision deductibles are the amount of money you are required to spend out-of-pocket if the claim is covered. Protection for physical damage, commonly called comprehensive (or other-than-collision) and collision coverage, is used to repair damage to your car. Some coverage claims would be rearending another vehicle, vandalism, and damage from wind. The more money you pay before a claim is paid (deductible), the bigger discount you will receive on Regency insurance.
• Obey driving laws and save – Your driving citation history impacts your car insurance rates tremendously. Attentive drivers have lower premiums as compared to those with violations. Having a single ticket could increase your next policy renewal substantially. Drivers who have gotten dangerous citations like reckless driving or DUI may face state-mandated requirements to maintain a SR-22 to the state department of motor vehicles in order to prevent a license revocation.
• Safer cars save money – Cars with five star safety ratings cost less to insure. Vehicles engineered for safety reduce injuries and better occupant protection means lower claim amounts passed on to you as lower rates.

Tailor your insurance coverage coverage to you

When choosing the best insurance coverage coverage for your personal vehicles, there isn’t really a one size fits all plan. Coverage needs to be tailored to your specific needs and a cookie cutter policy won’t apply. For example, these questions may help highlight whether or not you may require specific advice.

• Is my 1998 Oldsmobile Regency covered for smoke damage?
• How much liability do I need to cover my assets?
• Am I covered when driving on a suspended license?
• Can my teen driver be rated on a liability-only vehicle?
• Do I need replacement cost coverage?
• Should I have combined single limit or split liability limits?
• When should I drop full coverage on my 1998 Oldsmobile Regency?
• Do I have coverage for damage caused while driving under the influence?
• Can I get a multi-policy discount?

If you don’t know the answers to these questions but one or more may apply to you, then you may want to think about talking to an agent. To find lower rates from a local agent, take a second and complete this form or click here for a list of insurance coverage companies in your area.

Auto insurance coverage information

Learning about specific coverages of insurance can help you determine which coverages you need and proper limits and deductibles. Insurance terms can be difficult to understand and coverage can change by endorsement. Listed below are the usual coverages offered by insurance companies.

Uninsured Motorist or Underinsured Motorist insurance

This coverage provides protection from other drivers when they either have no liability insurance or not enough. It can pay for injuries to you and your family and damage to your Oldsmobile Regency.

Due to the fact that many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is a good idea. Normally these limits are set the same as your liablity limits.

Comprehensive coverage (or Other than Collision)

This coverage covers damage OTHER than collision with another vehicle or object. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims like rock chips in glass, falling objects, hail damage, hitting a deer and hitting a bird. The highest amount your insurance company will pay is the actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Liability coverages

This will cover injuries or damage you cause to a person or their property by causing an accident. This coverage protects you against other people’s claims, and doesn’t cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have limits of 100/300/100 which stand for a limit of $100,000 per injured person, $300,000 for the entire accident, and $100,000 of coverage for damaged propery. Some companies may use one limit called combined single limit (CSL) that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability coverage pays for claims such as medical services, attorney fees and loss of income. How much liability should you purchase? That is a decision to put some thought into, but buy as high a limit as you can afford.

Insurance for medical payments

Med pay and PIP coverage provide coverage for short-term medical expenses for things like doctor visits, rehabilitation expenses, pain medications and nursing services. The coverages can be utilized in addition to your health insurance plan or if there is no health insurance coverage. It covers both the driver and occupants and also covers being hit by a car walking across the street. Personal Injury Protection is not an option in every state and may carry a deductible

Auto collision coverage

This coverage pays for damage to your Regency resulting from colliding with an object or car. A deductible applies and then insurance will cover the remainder.

Collision insurance covers things like hitting a mailbox, colliding with another moving vehicle, backing into a parked car, sideswiping another vehicle and colliding with a tree. Paying for collision coverage can be pricey, so you might think about dropping it from lower value vehicles. Another option is to choose a higher deductible to save money on collision insurance.

More quotes. Lower rates.

Throughout this article, we presented a lot of techniques to lower your 1998 Oldsmobile Regency insurance car insurance rates. The key thing to remember is the more companies you get premium rates for, the more likely it is that you will get a better rate. You may even discover the best price on auto insurance is with some of the lesser-known companies. Regional companies may cover specific market segments cheaper as compared to the big name companies such as Progressive and Geico.

While you’re price shopping online, make sure you don’t buy lower coverage limits just to save a few bucks. In too many instances, an insured dropped collision coverage to discover at claim time that it was a big mistake. Your aim should be to buy enough coverage at the best cost, but do not skimp to save money.

More detailed auto insurance information can be read by following these links:

• Child Safety FAQ (iihs.org)
• What is Covered by GAP Insurance? (Allstate)
• Auto Crash Statistics (Insurance Information Insitute)
• Understanding Car Crashes Video (iihs.org)
• Vehicle Insurance in the U.S. (Wikipedia)
• Protect Yourself Against Auto Theft (Insurance Information Insitute)