1991 Oldsmobile Eighty-Eight Royale Insurance Rates – 5 Savings Tips

Consumers have lots of choices when looking for affordable Oldsmobile Eighty-Eight Royale insurance. They can either spend hours driving around to compare prices or save time using the internet to find the lowest rates.

There is a right way and a wrong way to buy insurance so you’re going to learn the absolute fastest way to price shop coverage for your Oldsmobile and locate the lowest price.

You should take the time to shop coverage around as often as possible because prices go up and down regularly. Despite the fact that you may have had the best price for Eighty-Eight Royale coverage six months ago the chances are good that you can find a lower rate quote today. Ignore everything you know about insurance because I’m going to let you in on the secrets to the right way to buy cheaper insurance.

If you have insurance now or are just looking to switch companies, you can use these techniques to cut your premiums and possibly find even better coverage. This article will let you in on how car insurance quotes work. Consumers just need to understand the best way to shop on the web.

Five discounts to earn lower-cost insurance rates

Buying insurance is not cheap, but you might already qualify for some discounts that can help lower your rates. Many discounts should be triggered at the time of quoting, but a few must be asked about before they will apply.

  • Air Bag Discount – Cars that have air bags and/or automatic seat belt systems can qualify for discounts of 20% or more.
  • Anti-lock Brake Discount – Cars, trucks, and SUVs that have steering control and anti-lock brakes can stop better under adverse conditions and therefore earn up to a 10% discount.
  • Accident-Free Discounts – Insureds with no claims or accidents can earn big discounts as compared to drivers with a long claim history.
  • Switch and Save Discount – Some larger companies give discounts for signing up prior to your current policy expiration. The savings is around 10%.
  • Savings for New Vehicles – Putting insurance on a new car may earn a small discount due to better safety requirements for new model year vehicles.

A little disclaimer on discounts, some of the credits will not apply to the entire policy premium. Most cut the cost of specific coverages such as liability, collision or medical payments. So even though it sounds like it’s possible to get free car insurance, it doesn’t quite work that way.

A list of companies and some of their more popular discounts can be found below.

  • State Farm may offer discounts for good driver, Steer Clear safe driver discount, driver’s education, student away at school, accident-free, and anti-theft.
  • Geico includes discounts for driver training, anti-theft, five-year accident-free, defensive driver, membership and employees, and good student.
  • Liberty Mutual may include discounts for hybrid vehicle, multi-car, multi-policy, teen driver discount, newly married, and exclusive group savings.
  • The Hartford offers discounts including defensive driver, air bag, driver training, vehicle fuel type, good student, anti-theft, and bundle.
  • MetLife has discounts for multi-policy, claim-free, accident-free, good student, and defensive driver.
  • Progressive offers premium reductions for online quote discount, good student, homeowner, online signing, and multi-vehicle.

Double check with every prospective company how you can save money. Some credits may not apply in your area. To choose insurance companies who offer free insurance quotes, click here to view.

Which insurance is cheapest?

Lowering your 1991 Oldsmobile Eighty-Eight Royale insurance rates is actually quite simple. The only requirement is to take a couple of minutes getting comparison quotes to find the company with cheaper car insurance quotes. This is very easy and can be done by using one of the methods below.

  1. Experts agree that the best way to get quotes is to use a rate comparison form click here to open form in new window. This form eliminates the need for separate quotation requests for each price estimate. One form submission compares rates from insurance companies with the best prices. This is by far the quickest method.
  2. A less efficient way to get quotes online is spending the time to visit the website of each company and get a separate price quote. For sake of this example, we’ll assume you want to view quotes from Progressive, State Farm and GMAC. To find out each rate you need to visit each site to enter the same coverage data repeatedly, which is why the first method is more popular. For a list of companies in your area, click here.

Take whichever approach you prefer, but try to keep identical coverages for every company. If your comparisons have unequal deductibles or liability limits it will be very difficult to truly determine the lowest rate.

Tailor your insurance coverage coverage to you

When buying coverage, there isn’t really a one size fits all plan. Everyone’s needs are different.

Here are some questions about coverages that can aid in determining whether or not you might need professional guidance.

  • When do I need to add a new car to my policy?
  • What is no-fault insurance?
  • What if I owe more than I can insure my car for?
  • Am I covered when pulling a rental trailer?
  • Is my vehicle covered by my employer’s policy when using it for work?
  • Am I missing any policy discounts?

If you can’t answer these questions but you think they might apply to your situation, you might consider talking to an insurance agent. If you don’t have a local agent, fill out this quick form. It’s fast, free and you can get the answers you need.

But they said I’d save $483 a year!

Drivers can’t get away from ads that promise big savings for switching by companies like Progressive, Geico, Allstate and State Farm. All the ads make the same claim of big savings just by switching to them.

But how can every company make almost identical claims? It’s all in the wording.

Most companies have a certain “appetite” for the type of customer they prefer to insure. An example of a profitable insured may be a mature driver, has no driving citations, and chooses high deductibles. Any person that fits those parameters will get a cheap rate quote and will save when switching.

Potential insureds who cannot meet this stringent profile may be required to pay a more expensive rate and this results in the driver buying from a lower-cost company. If you pay attention, the ads say “people who switch” not “everybody who quotes” can get the lowest rates when switching. This is how insurance companies can confidently state the savings.

Because every company is different, you really need to compare quotes as often as possible. It is impossible to guess which car insurance company will have the lowest rates.

Coverages available on your auto insurance policy

Having a good grasp of auto insurance can be of help when determining which coverages you need and proper limits and deductibles. Auto insurance terms can be ambiguous and coverage can change by endorsement.

Medical payments coverage and PIP

Medical payments and Personal Injury Protection insurance provide coverage for expenses such as rehabilitation expenses, X-ray expenses and dental work. They are utilized in addition to your health insurance program or if you are not covered by health insurance. Coverage applies to all vehicle occupants in addition to if you are hit as a while walking down the street. PIP is only offered in select states but it provides additional coverages not offered by medical payments coverage

Comprehensive coverage

This coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things like damage from getting keyed, hitting a deer, damage from a tornado or hurricane and hitting a bird. The maximum amount a auto insurance company will pay at claim time is the market value of your vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Collision protection

This pays for damage to your Eighty-Eight Royale caused by collision with another vehicle or an object, but not an animal. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for things like backing into a parked car, damaging your car on a curb, colliding with another moving vehicle, hitting a mailbox and crashing into a ditch. This coverage can be expensive, so you might think about dropping it from vehicles that are older. Drivers also have the option to bump up the deductible in order to get cheaper collision rates.

Liability auto insurance

This will cover damages or injuries you inflict on people or other property. It protects YOU from legal claims by others, and does not provide coverage for 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. As an example, you may have values of 25/50/25 which stand for a $25,000 limit per person for injuries, $50,000 for the entire accident, and $25,000 of coverage for damaged propery. Alternatively, you may have a combined single limit or CSL that pays claims from the same limit rather than limiting it on a per person basis.

Liability coverage pays for things like court costs, pain and suffering, loss of income and structural damage. How much coverage you buy is up to you, but consider buying as high a limit as you can afford.

Uninsured/Underinsured Motorist coverage

This provides protection from other drivers when they either are underinsured or have no liability coverage at all. Covered losses include hospital bills for your injuries and damage to your 1991 Oldsmobile Eighty-Eight Royale.

Because many people have only the minimum liability required by law, their liability coverage can quickly be exhausted. So UM/UIM coverage is a good idea. Frequently these coverages do not exceed the liability coverage limits.

Coverage on a shoestring budget

We’ve covered a lot of information how to shop for 1991 Oldsmobile Eighty-Eight Royale insurance online. It’s most important to understand that the more price quotes you have, the more likely it is that you will get a better rate. Drivers may discover the biggest savings come from an unexpected company.

When shopping online for auto insurance, don’t be tempted to sacrifice coverage to reduce premiums. There are a lot of situations where someone dropped comprehensive coverage or liability limits and found out when filing a claim they didn’t purchase enough coverage. Your goal is to buy a smart amount of coverage at an affordable rate.

Some auto insurance companies may not provide price quotes online and many times these small insurance companies only sell through independent insurance agents. More affordable auto insurance is definitely available online as well as from independent agents, and you should compare rates from both in order to have the best price selection to choose from.

Additional auto insurance information can be found on the following sites: