How Much Does 1995 Oldsmobile Eighty-Eight Royale Insurance Cost?

Looking for lower auto insurance rates for your Oldsmobile Eighty-Eight Royale? Do you get overwhelmed by the sheer number of auto insurance companies in your area? Many other drivers are as well. There are such a vast assortment of companies available that it is more work than you anticipated to find the lowest price.

It’s smart to get comparison quotes quite often because rates are constantly changing. Just because you had the best deal on Eighty-Eight Royale insurance a couple years back you may be paying too much now. Forget all the misinformation about auto insurance because I’m going to let you in on the secrets to the things you must know in order to save money, get proper deductibles and limits, all at the lowest rate.

How to compare insurance coverage price quotes

There are a variety of methods to compare insurance coverage quotes, and some are less labor-intensive and much quicker. You can waste hours discussing policy coverages with insurance companies in your area, or you can utilize the web to achieve your goal.

Many of the larger companies are enrolled in a marketplace where prospective buyers send in one quote, and at least one company returns a rated price determined by their information. This system prevents you from having to do quotation requests to each company.

To compare rates using this form now click here (opens in new window).

One minor caviat to using this type of system is that consumers can’t choose which carriers to get quotes from. If you wish to select from a list of companies to compare rates, we put together a list of low cost insurance coverage companies in your area. Click here for list of insurance companies.

You can use whichever method you prefer to find lower rates, just ensure you are comparing exactly the same quote data with each company. If each company quotes higher or lower deductibles it will be nearly impossible to make a fair rate comparison. Quoting even small variations in insurance coverages could skew the results. It’s important to know that making a lot of price comparisons will improve the odds of getting better pricing. Some companies don’t provide online rate quotes, so it’s important to also get rates from the smaller companies as well.

These discounts can lower your insurance quotes

Car insurance is not cheap, but companies offer discounts that many people don’t even know exist. Many of these discounts will be applied automatically when you get a quote, but some may not be applied and must be specifically requested before you get the savings.

  • Defensive Driver – Participating in a course that instructs on driving safety could save 5% or more and easily recoup the cost of the course.
  • Bundle and Save – If you combine your auto and home policies and insure them with the same company you could earn a discount of approximately 10% to 15%.
  • Own a Home and Save – Owning a home can help you save on insurance due to the fact that maintaining a home shows financial diligence.
  • Switch and Save Discount – Select insurance companies give a discount for buying a policy early. This discount can save up to 10%.
  • Life Insurance – Insurance carriers who offer life insurance give a lower rate if you buy some life insurance too.
  • Lower Rates for Military – Having a family member in the military could trigger a small discount.
  • Payment Method – If you pay your entire premium ahead of time rather than paying monthly you may reduce your total bill.
  • Discount for Good Grades – A discount for being a good student can save 20 to 25%. Many companies even apply the discount to college students until age 25.
  • Discount for New Cars – Insuring a vehicle that is new can be considerably cheaper because newer vehicles are generally safer.

One last thing about discounts, most discount credits are not given the the whole policy. A few only apply to the cost of specific coverages such as liability, collision or medical payments. So when it seems like you could get a free insurance policy, companies wouldn’t make money that way. Any qualifying discounts should help reduce the cost of your policy.

A list of insurance companies and their possible discounts can be read below.

  • Travelers discounts include payment discounts, early quote, hybrid/electric vehicle, save driver, and multi-car.
  • 21st Century offers premium reductions for air bags, theft prevention, automatic seat belts, teen driver, early bird, anti-lock brakes, and homeowners.
  • State Farm has discounts for Steer Clear safe driver discount, student away at school, anti-theft, multiple autos, safe vehicle, and Drive Safe & Save.
  • Geico offers discounts including defensive driver, five-year accident-free, membership and employees, anti-lock brakes, emergency military deployment, and daytime running lights.
  • SAFECO policyholders can earn discounts including anti-theft, bundle discounts, teen safety rewards, homeowner, teen safe driver, and safe driver.
  • AAA may offer discounts for anti-theft, AAA membership discount, pay-in-full, good driver, and multi-car.

If you are trying to find affordable insurance coverage quotes, ask each company which discounts they offer. Some credits may not apply to policyholders in your area. To locate companies who offer insurance discounts, click here.

Different people need different auto insurance coverages

When it comes to buying proper insurance coverage for your vehicles, there isn’t really a cookie cutter policy. Your needs are not the same as everyone else’s.

These are some specific questions might help in determining whether you might need professional guidance.

  • Should I buy only the required minimum liability coverage?
  • Is borrowed equipment or tools covered if stolen or damaged?
  • Do I have newly-aquired coverage?
  • What if I owe more than I can insure my car for?
  • If I drive on a suspended license am I covered?
  • Do I need PIP coverage since I have good health insurance?
  • Do I need motorclub coverage?

If you don’t know the answers to these questions, you may need to chat with an insurance agent. To find an agent in your area, take a second and complete this form.

Why informed consumers pay less for Oldsmobile Eighty-Eight Royale insurance

Smart consumers have a good feel for some of the things that come into play when calculating the level of your policy premiums. If you have a feel for what determines base rates, this enables you to make decisions that will entitle you to lower rates.

Shown below are some of the major factors used by your company to calculate premiums.

  • Do safer cars cost less to insure? – Vehicles that have high safety ratings are cheaper to insure. These vehicles protect occupants better and fewer serious injuries means your insurance company pays less and lower rates for you. If your Oldsmobile Eighty-Eight Royale earned at least four stars on Safercar.gov you are probably receiving a discount.
  • Lower rates with a multi-policy discount – Some insurers apply discounts to policyholders who consolidate policies with them. It’s known as a multi-policy discount. The discount can be ten or even up to twenty percent in some cases. Even with this discount, you still need to compare other insurance prices to make sure you are getting the best deal.
  • Liability coverage is important – The liability coverage on your policy is the coverage that protects you if a jury decides you are liable for damages from an accident. It provides for a legal defense which can cost a lot. Carrying liability coverage is mandatory and cheap as compared to coverage for physical damage, so do not skimp.
  • Occupation reflects on rates – Did you know your career choice can influence rates? Occupations like doctors, business owners and medical professionals tend to pay higher average rates due to intense work-related stress and lots of time spent away from family. Other jobs like scientists, historians and retirees have the lowest average rates on Eighty-Eight Royale insurance.
  • Premiums are affected by your credit history – Having a good credit history factor in calculating your premium rate. People that have very high credit ratings tend to be more responsible and file fewer claims than drivers with poor credit scores. If your credit rating is lower than you’d like, you could save money insuring your 1995 Oldsmobile Eighty-Eight Royale if you clean up your credit.
  • Driving citations can be expensive – Even one chargable violation can bump up the cost substantially. Careful drivers pay less for auto insurance compared to drivers with tickets. Drivers who have received dangerous citations such as DUI, reckless driving or excessive speeding might be required by their state to submit a SR-22 or proof of financial responsibility with the DMV in their state in order to prevent their license from being revoked.
  • Long commutes cost more – The more you drive your Oldsmobile every year the more you’ll pay to insure your vehicle. Most insurance companies calculate rates partially by how you use the vehicle. Vehicles used primarily for pleasure use receive better premium rates than those used for commuting. An improperly rated Eighty-Eight Royale may be costing you higher rates. Double check that your insurance coverage policy shows the correct driver usage.

What insurance coverages do you need?

Knowing the specifics of a insurance policy aids in choosing the best coverages and the correct deductibles and limits. Insurance terms can be confusing and reading a policy is terribly boring.

Liability car insurance

Liability coverage protects you from damage or injury you incur to other people or property by causing an accident. This insurance protects YOU against claims from other people. It does not cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see values of 25/50/25 which stand for a limit of $25,000 per injured person, a total of $50,000 of bodily injury coverage per accident, and a total limit of $25,000 for damage to vehicles and property.

Liability can pay for things such as bail bonds, court costs, legal defense fees, attorney fees and emergency aid. How much liability coverage do you need? That is a personal decision, but consider buying as large an amount as possible.

Comprehensive insurance

Comprehensive insurance pays for damage that is not covered by collision coverage. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things like damage from getting keyed, fire damage, rock chips in glass, hitting a bird and damage from a tornado or hurricane. The maximum payout a insurance company will pay at claim time is the actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Med pay and Personal Injury Protection (PIP)

Medical payments and Personal Injury Protection insurance provide coverage for immediate expenses for things like pain medications, X-ray expenses and nursing services. They can be used in conjunction with a health insurance plan or if you do not have health coverage. Coverage applies to both the driver and occupants in addition to getting struck while a pedestrian. Personal Injury Protection is not universally available and may carry a deductible

Uninsured/Underinsured Motorist (UM/UIM)

Uninsured or Underinsured Motorist coverage gives you protection when other motorists are uninsured or don’t have enough coverage. This coverage pays for medical payments for you and your occupants as well as your vehicle’s damage.

Due to the fact that many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Collision coverage

This pays for damage to your Eighty-Eight Royale resulting from colliding with another car or object. You have to pay a deductible and then insurance will cover the remainder.

Collision insurance covers claims such as rolling your car, colliding with a tree, sustaining damage from a pot hole, scraping a guard rail and damaging your car on a curb. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are older. You can also bump up the deductible to get cheaper collision coverage.

Do the work, save more money

Some insurance companies don’t offer internet price quotes and usually these small, regional companies only sell through independent agents. Affordable 1995 Oldsmobile Eighty-Eight Royale insurance can be purchased on the web and from local insurance agents, and you should compare rates from both so you have a total pricing picture.

You just learned many ideas to get a better price on 1995 Oldsmobile Eighty-Eight Royale insurance. The key concept to understand is the more rate comparisons you have, the better chance you’ll have of finding the cheapest insurance coverage. You may even find the lowest priced insurance comes from an unexpected company.

People who switch companies do it for any number of reasons including high prices, unfair underwriting practices, policy cancellation and an unsatisfactory settlement offer. Regardless of your reason, finding a new company can be easier than you think.

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