View 1997 Oldsmobile Regency Insurance Rates

Paying for overpriced Oldsmobile Regency insurance can bleed your personal savings and force you to prioritize other expenses. Doing a rate analysis is a fast and free way to make sure you’re not throwing money away.

People have multiple insurers to pick from, and although it’s a good thing to have multiple companies, more choices can make it harder to find a good deal.

Finding the best rates is quite easy. If you have car insurance now, you stand a good chance to be able to reduce your rates substantially using these techniques. Drivers just need to learn the best way to get comparison rates online.

Take advantage of every auto insurance discount

Some companies don’t necessarily list every discount very well, so the list below gives a summary of a few of the more common and the harder-to-find discounts you could be receiving when you buy car insurance online.

  • Own a Home and Save – Simply owning a home can help you save on auto insurance since owning and maintaining a home requires a higher level of personal finance.
  • Anti-theft System – Cars optioned with advanced anti-theft systems are less likely to be stolen and will qualify for a discount on a car insurance quote.
  • No Claims – Drivers who stay claim-free are rewarded with significantly better rates on car insurance quote when compared with bad drivers.
  • Onboard Data Collection – Drivers who elect to allow companies to spy on driving patterns by using a telematics device such as State Farm’s In-Drive may get a rate reduction as long as the data is positive.
  • Policy Bundle Discount – If you insure your home and vehicles and place coverage with the same company you may save approximately 10% to 15%.
  • ABS Brakes – Cars that have steering control and anti-lock brakes are safer to drive and will save you 10% or more.
  • Discount for Passive Restraints – Options like air bags and/or automatic seat belt systems can qualify for discounts of 25 to 30%.
  • Discount for Good Grades – Maintaining excellent grades can earn a discount of 20% or more. This discount can apply up until you turn 25.
  • Good Driver Discounts – Accident-free drivers could pay up to 40% less on Regency coverage than less cautious drivers.
  • Sign Online – Some of the larger companies may give you up to $50 for buying your policy on your computer.

It’s important to note that many deductions do not apply to your bottom line cost. Some only apply to the price of certain insurance coverages like liability and collision coverage. So despite the fact that it appears you could get a free auto insurance policy, nobody gets a free ride. But any discount should help reduce your policy cost.

Car insurance companies that may offer some of the discounts shown above are:

When quoting, ask each company to give you their best rates. All car insurance discounts might not apply in your state. For a list of auto insurance companies offering auto insurance discounts, follow this link.

The most recommended method to compare rate quotes is to realize most larger insurance companies participate in online systems to provide you with a free rate quote. To start a quote, the only thing you need to do is provide the companies a bit of rating information including driver ages, whether you drive to work or school, your general credit rating, and whether you are single or married. Your information is sent automatically to many of the top insurers and they return cost estimate very quickly.

To find lower rates now, click here and complete the quick form.

How to know if you need help

When choosing proper insurance coverage, there really is not a “best” method to buy coverage. Everyone’s situation is unique so your insurance needs to address that. For instance, these questions might point out whether or not you would benefit from an agent’s advice.

  • Is my nanny covered when driving my vehicle?
  • If I drive on a suspended license am I covered?
  • Am I covered if my car is in a flood?
  • Am I covered if I drive in a foreign country?
  • Am I covered if hit by an uninsured driver?
  • Does coverage extend to my business vehicle?
  • What is medical payments coverage?

If it’s difficult to answer those questions but you think they might apply to your situation, you may need to chat with a licensed insurance agent. If you don’t have a local agent, take a second and complete this form or you can go here for a list of companies in your area. It is quick, free and can help protect your family.

Insurance coverages and their meanings

Having a good grasp of your policy aids in choosing appropriate coverage and the correct deductibles and limits. The coverage terms in a policy can be confusing and even agents have difficulty translating policy wording. These are the usual coverages found on most insurance policies.

Uninsured/Underinsured Motorist coverage – This gives you protection from other motorists when they do not carry enough liability coverage. Covered losses include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since a lot of drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages should not be overlooked.

Liability car insurance – This coverage can cover injuries or damage you cause to a person or their property that is your fault. This coverage protects you against other people’s claims, and does not provide coverage for your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have liability limits of 100/300/100 that translate to $100,000 in coverage for each person’s injuries, a limit of $300,000 in injury protection per accident, and property damage coverage for $100,000.

Liability insurance covers claims such as bail bonds, loss of income, court costs and medical services. How much liability coverage do you need? That is a personal decision, but it’s cheap coverage so purchase as much as you can afford.

Collision coverage – Collision insurance will pay to fix damage to your Regency from colliding with a stationary object or other vehicle. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage pays for things such as colliding with another moving vehicle, backing into a parked car, hitting a mailbox and rolling your car. Paying for collision coverage can be pricey, so you might think about dropping it from lower value vehicles. You can also raise the deductible to bring the cost down.

Medical payments coverage and PIP – Medical payments and Personal Injury Protection insurance provide coverage for immediate expenses like ambulance fees, EMT expenses, rehabilitation expenses and funeral costs. They are used in conjunction with a health insurance program or if you lack health insurance entirely. They cover you and your occupants in addition to being hit by a car walking across the street. PIP coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Comprehensive coverage – Comprehensive insurance will pay to fix damage that is not covered by collision coverage. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims such as hail damage, damage from a tornado or hurricane, hitting a bird and damage from flooding. The maximum payout a insurance company will pay at claim time is the actual cash value, so if the vehicle’s value is low consider dropping full coverage.

In conclusion

We just covered a lot of information how to compare 1997 Oldsmobile Regency insurance prices online. The key concept to understand is the more rate quotes you have, the higher your chance of finding cheaper car insurance. You may even find the lowest priced auto insurance comes from a lesser-known regional company. These companies may often insure only within specific states and give getter rates as compared to the big name companies such as Allstate, Geico and Progressive.

As you shop your coverage around, it’s very important that you do not buy less coverage just to save a little money. There are a lot of situations where someone sacrificed comprehensive coverage or liability limits and learned later that their decision to reduce coverage ended up costing them more. The goal is to buy the best coverage you can find at the best possible price, not the least amount of coverage.

Discount 1997 Oldsmobile Regency insurance can be found on the web and from local insurance agents, so get free car insurance quotes from both of them in order to have the best chance of saving money. Some insurance companies do not offer internet price quotes and many times these smaller providers only sell coverage through independent insurance agencies.

To read more, take a look at the following helpful articles: