Compare 1993 Oldsmobile Eighty-Eight Royale Insurance Quotes

Trying to come up with a payment for pricey insurance can dry up your monthly budget, especially in this economy. Numerous auto insurance companies battle for your business, and because of this it can be hard to compare car insurance companies to find the best rate

If you are insured now or are shopping for new coverage, you can use this information to shop for the lowest rates while maximizing coverage. Finding affordable coverage is easy if you know what you’re doing. Vehicle owners only need to know the tricks to find the lowest price on the web.

How your Eighty-Eight Royale insurance premiums are determined

Lots of things are taken into consideration when pricing auto insurance. Most are fairly basic like your driving record, although others are not quite as obvious like your continuous coverage or your commute time.A large part of saving on car insurance is knowing a few of the rating criteria that help calculate the level of your policy premiums. If you have some idea of what positively or negatively impacts your premiums, this allows you to make good choices that could result in lower premium levels.

The factors shown below are some of the most rate-impacting factors that factor into prices.

  • Vehicles with better crash test results mean better premiums – Vehicles with high crash test scores cost less to insure. Safe vehicles result in less severe injuries and fewer serious injuries means less money paid by your insurance company and more competitive rates for policyholders.
  • Single drivers take more risk – Having a spouse may cut your premiums compared to being single. Having a significant other translates into being more stable financially and insurance companies reward insureds because drivers who are married are more cautious.
  • Don’t skimp on liability – Your policy’s liability coverage provides coverage if ever you are found to be at fault for damages caused by your negligence. This coverage provides for a legal defense up to the limits shown on your policy. This coverage is very inexpensive compared to physical damage coverage, so drivers should make sure they buy enough to cover all assets.
  • Use one insurance company and save – Some insurers provide lower prices to people who consolidate policies with them. It’s known as a multi-policy discount. Even though this discount sounds good, you still need to shop around to help guarantee you have the best rates.
  • Your age impacts your costs – Drivers with little experience are statistically shown to be inattentive in a vehicle and because of this, their car insurance rates are much higher. Parents adding a first-time driver to your policy can be very expensive. More experienced drivers are shown to be more cautious, statistically cause fewer accidents and tend to be get fewer driving tickets.
  • High credit scores save money – Your credit score can be a huge factor in calculating your premium rate. People that have excellent credit tend to be better risks to insure than drivers who have poor credit. If your credit score is low, you may save money insuring your 1993 Oldsmobile Eighty-Eight Royale by improving your rating.
  • Your occupation can affect rates – Jobs such as judges, social workers and dentists usually pay the highest rates attributed to intense work-related stress and lots of time spent away from family. Other professions such as professors, students and performers pay lower than average rates for Eighty-Eight Royale insurance.
  • Reserve policy claims for larger damages – Car insurance companies provide most affordable rates to policyholders who are not frequent claim filers. If you frequently file small claims, you can pretty much guarantee either policy cancellation or increased premiums. Your insurance policy is designed for claims that pose a financial burden.

Discount car insurance quotes

Buying car insurance is not cheap, but you might already qualify for some discounts that you may not even be aware of. Certain discounts will be triggered automatically at the time you complete a quote, but once in a while a discount must be asked about before you get the savings.

  • College Student – Any of your kids who live away from home to go to college and won’t have access to an insured vehicle may qualify for this discount.
  • Use Seat Belts – Drivers who require all occupants to buckle up could cut 10% or more off the PIP or medical payment premium.
  • Defensive Driver – Taking time to complete a course in safe driver could possibly earn you a 5% discount depending on where you live.
  • Good Student Discount – Maintaining excellent grades can get you a discount of up to 25%. The good student discount can last up to age 25.
  • Discount for Life Insurance – Insurance companies who offer life insurance give lower prices if you buy a life policy as well.
  • 55 and Retired – If you’re over the age of 55, you can get a slight reduction on a auto insurance quote for Eighty-Eight Royale insurance.
  • Anti-lock Brake System – Cars that have steering control and anti-lock brakes are much safer to drive so companies give up to a 10% discount.
  • One Accident Forgiven – but some insurance companies will allow you to have one accident before they charge you more for coverage if your claims history is clear for a set time period.
  • Multi-Vehicle Discounts – Drivers who insure multiple vehicles on one policy could earn a price break for each car.
  • Pay Now and Pay Less – By paying your policy upfront as opposed to paying monthly you can avoid monthly service charges.

As a sidenote, most discount credits are not given to all coverage premiums. Most only apply to individual premiums such as medical payments or collision. Even though the math looks like all those discounts means the company will pay you, car insurance companies aren’t that generous. But any discount will help reduce your policy premium.

A list of companies and some of their more popular discounts are:

  • Geico offers premium reductions for military active duty, emergency military deployment, good student, daytime running lights, and five-year accident-free.
  • SAFECO has discounts for multi-car, drive less, teen safety rewards, teen safe driver, bundle discounts, and anti-theft.
  • State Farm includes discounts for student away at school, multiple policy, good student, driver’s education, good driver, Steer Clear safe driver discount, and Drive Safe & Save.
  • MetLife offers discounts for good driver, defensive driver, claim-free, accident-free, and good student.
  • 21st Century may offer discounts for homeowners, defensive driver, 55 and older, student driver, and driver training.
  • Progressive policyholders can earn discounts including online quote discount, continuous coverage, online signing, multi-vehicle, multi-policy, and homeowner.

Before buying, ask every prospective company to apply every possible discount. A few discounts may not be offered in your area.

Tailor your car insurance coverage to you

When choosing coverage for your vehicles, there is no cookie cutter policy. Each situation is unique and a cookie cutter policy won’t apply. These are some specific questions can aid in determining if you might need an agent’s assistance.

  • Am I covered if I break a side mirror?
  • Does my liability insurance cover pulling a trailer or camper?
  • Are my friends covered when driving my 1993 Oldsmobile Eighty-Eight Royale?
  • Should I buy more coverage than the required minimum liability coverage?
  • Does my medical payments coverage pay my health insurance deductible?
  • What is UM/UIM insurance?
  • When should my teen driver be added to my policy?
  • Are there companies who specialize in insuring high-risk drivers?

If you don’t know the answers to these questions but you think they might apply to your situation, you may need to chat with a licensed agent. To find lower rates from a local agent, complete this form or you can also visit this page to select a carrier It’s fast, doesn’t cost anything and can help protect your family.

Auto insurance coverages

Knowing the specifics of insurance can help you determine the right coverages at the best deductibles and correct limits. Policy terminology can be difficult to understand and even agents have difficulty translating policy wording. Shown next are typical coverages available from insurance companies.

Protection from uninsured/underinsured drivers – This protects you and your vehicle’s occupants when other motorists do not carry enough liability coverage. It can pay for hospital bills for your injuries as well as your vehicle’s damage.

Because many people only carry the minimum required liability limits, their liability coverage can quickly be exhausted. So UM/UIM coverage should not be overlooked.

Medical expense insurance – Personal Injury Protection (PIP) and medical payments coverage pay for bills such as hospital visits, doctor visits, EMT expenses, nursing services and chiropractic care. The coverages can be used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. Coverage applies to not only the driver but also the vehicle occupants and also covers being hit by a car walking across the street. PIP is not available in all states and gives slightly broader coverage than med pay

Comprehensive (Other than Collision) – This coverage covers damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things like theft, hitting a deer, damage from getting keyed and vandalism. The highest amount you can receive from a comprehensive claim is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Collision coverages – This covers damage to your Eighty-Eight Royale resulting from a collision with a stationary object or other vehicle. You first must pay a deductible then your collision coverage will kick in.

Collision coverage pays for things like backing into a parked car, hitting a mailbox, crashing into a ditch and colliding with a tree. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from older vehicles. Another option is to choose a higher deductible in order to get cheaper collision rates.

Coverage for liability – This coverage can cover damages or injuries you inflict on other people or property by causing an accident. This coverage protects you from claims by other people, and doesn’t cover your injuries or vehicle damage.

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. As an example, you may have limits of 50/100/50 which means $50,000 bodily injury coverage, a limit of $100,000 in injury protection per accident, and $50,000 of coverage for damaged propery.

Liability coverage protects against claims like repair costs for stationary objects, repair bills for other people’s vehicles, medical expenses and legal defense fees. How much coverage you buy is a personal decision, but buy as much as you can afford.

A tidy conclusion

We covered a lot of tips how to shop for 1993 Oldsmobile Eighty-Eight Royale insurance online. The key thing to remember is the more rate comparisons you have, the better chance you’ll have of finding cheap auto insurance. You may be surprised to find that the lowest premium rates come from the least-expected company. Some small companies often have lower prices on specific markets than their larger competitors like State Farm or Progressive.

As you quote auto insurance, never skimp on critical coverages to save a buck or two. In too many instances, someone dropped physical damage coverage only to regret that the savings was not a smart move. Your aim should be to buy the best coverage you can find at a price you can afford and still be able to protect your assets.

Some insurance companies don’t offer online price quotes and most of the time these regional insurance providers prefer to sell through independent agencies. Lower-priced 1993 Oldsmobile Eighty-Eight Royale insurance can be purchased online and from local insurance agents, and you need to price shop both to have the best rate selection.

Much more information about insurance is located on the following sites: