Save on 1998 Oldsmobile Regency Car Insurance Quotes

Are you tired of paying out the nose to buy auto insurance? You’re in the same situation as millions of other vehicle owners. Due to the fact that there are so many insurance companies to choose from, it’s difficult to find the most affordable auto insurance company.

Compare auto insurance rate quotes online

Most companies like 21st Century, Allstate and State Farm allow you to get prices for coverage from their websites. Obtaining pricing is fairly simple as all you need to do is type in your required coverages on the page. After the form is submitted, the company’s rating system pulls reports for credit and driving violations and generates a price based on these and other factors. Being able to quote online makes it easy to compare insurance prices but the work required to visit a lot of sites and type in your information is a big time waster. But it’s absolutely necessary to have as many quotes as possible if you are searching for the best price possible.

The smarter way to locate the lowest prices uses one form to obtain quotes from multiple companies. The form is fast, eliminates repetitive work, and makes comparison shopping much more enjoyable. Once the form is submitted, your coverage is rated and you are able to buy any one of the quote results. If you find a better price you can simply submit the application and purchase coverage. The whole process only takes a few minutes and you will know how your current rates stack up.

If you want to get comparison pricing now, simply click here to open in new window and enter your vehicle and coverage information. If you currently have coverage, we recommend you copy the insurance coverages exactly as they are listed on your policy. Using the same limits helps guarantee you will be getting an apples-to-apples comparison for the exact same coverage.

How your Regency insurance costs are determined

Consumers need to have an understanding of the factors that are used to determine your premiums. If you have some idea of what determines premiums, this enables you to make decisions that can help you get lower premium levels. Lots of factors are part of the equation when pricing auto insurance. Some of the criteria are obvious like a motor vehicle report, but some are less obvious such as your credit history and annual miles driven.

Shown below are a few of the “ingredients” used by your company to calculate your rate level.

  • Safeguard your assets with liability coverage – Your policy’s liability coverage is the coverage that protects you if ever you are ruled to be at fault for personal injury or accident damage. This coverage provides you with a defense in court up to the limits shown on your policy. Liability is cheap compared to physical damage coverage, so insureds should have plenty of protection for their assets.
  • Save money with higher physical damage deductibles – Coverage for physical damage, otherwise known as comp (or other than collision) and collision, covers your vehicle from damage. Examples of some claims that would be covered are a dented fender, hitting a deer, and rolling your vehicle. The deductibles you choose define how much the insured will be required to pay before a claim is paid by your company. The larger the amount you are required to pay out-of-pocket, the less your company will charge you for insurance on Regency insurance.
  • Demanding vocation may mean higher insurance rates – Do you have a high-stress occupation? Occupations such as military generals, business owners and medical professionals are shown to have the highest average rates attributed to intense work-related stress and long work hours. Conversely, occupations such as scientists, historians and performers pay lower than average rates on Regency insurance.
  • Decrease prices by maintaining coverage – Driving any period of time without insurance is against the law and you may have a hard time finding new coverage because you let your insurance expire. Not only will rates go up, getting caught without coverage could result in a hefty fine and possibly a revoked license.
  • Teenage drivers are expensive to insure – More mature drivers are proven to be safer behind the wheel, file fewer claims , and usually have better credit.Youthful drivers are statistically shown to get distracted easily when driving and because of this, their insurance rates are much higher.
  • Your location is a factor – Being located in smaller towns and rural areas of the country can be a good thing when it comes to insurance. Fewer drivers means reduced accidents as well as less vandalism and auto theft. People who live in big cities have much more traffic and more severe claims. Spending more time driving means more chance of being in an accident.

Cheaper rates with these insurance discounts

Insurance is not an enjoyable expense, but you may qualify for discounts that many consumers don’t even know exist. Larger premium reductions will be automatically applied when you complete an application, but a few must be inquired about before being credited.

  • Early Switch Discount – Select larger companies give a discount for buying a new policy early. It could save around 10% when you buy insurance online.
  • Save over 55 – If you qualify as a senior citizen, you are able to get reduced rates on Regency insurance.
  • Memberships – Being in qualifying clubs or civic groups is a simple method to lower premiums when shopping for insurance.
  • Accident Forgiveness – This isn’t a discount exactly, but some companies like Allstate and State Farm allow you one accident before hitting you with a surcharge with the catch being you have to be claim-free for a certain period of time.
  • Driver Training Discounts – Taking a class that teaches safe driver techniques could cut 5% off your bill and also improve your driving technique.
  • Theft Prevention System – Anti-theft and alarm system equipped vehicles prevent vehicle theft and earn discounts up to 10% off your insurance quote.
  • Active Service Discounts – Having a deployed family member could mean lower insurance rates.
  • Student in College – Older children who are attending college and leave their car at home can be insured at a reduced rate.
  • Low Mileage – Driving less may allow you to get substantially lower rates.
  • Auto/Life Discount – Not every insurance company offers life insurance, but if they do you may earn a break if you buy life insurance.

Please keep in mind that most discounts do not apply the the whole policy. Some only apply to the cost of specific coverages such as comprehensive or collision. If you do the math and it seems like all those discounts means the company will pay you, you’re out of luck. Any qualifying discounts will help lower your insurance premiums.

If you would like to choose from a list of insurance companies with discount insurance rates, click here.

Car insurance can get complicated

When buying coverage, there really is no “best” method to buy coverage. Each situation is unique and a cookie cutter policy won’t apply. For instance, these questions may help highlight whether your personal situation would benefit from an agent’s advice.

  • When should I drop full coverage on my 1998 Oldsmobile Regency?
  • What vehicles should carry emergency assistance coverage?
  • Am I covered when pulling a rental trailer?
  • Why am I required to get a high-risk car insurance policy?
  • Do I need rental car coverage?
  • Can my teen driver be rated on a liability-only vehicle?
  • Why do I only qualify for high-risk insurance?

If you can’t answer these questions but you think they might apply to your situation, you may need to chat with an insurance agent. To find an agent in your area, complete this form or go to this page to view a list of companies. It’s fast, free and can help protect your family.

Detailed coverages of your car insurance policy

Having a good grasp of a car insurance policy can help you determine the right coverages for your vehicles. Policy terminology can be confusing and coverage can change by endorsement. Shown next are the usual coverages found on most car insurance policies.

Comprehensive car insurance

This coverage will pay to fix damage OTHER than collision with another vehicle or object. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims such as hail damage, damage from flooding, falling objects and damage from getting keyed. The maximum amount you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Coverage for medical expenses

Med pay and PIP coverage kick in for expenses for rehabilitation expenses, nursing services and X-ray expenses. They are used in conjunction with a health insurance program or if there is no health insurance coverage. It covers all vehicle occupants and also covers getting struck while a pedestrian. PIP coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Coverage for uninsured or underinsured drivers

Your UM/UIM coverage protects you and your vehicle’s occupants when other motorists either have no liability insurance or not enough. Covered losses include injuries sustained by your vehicle’s occupants and damage to your Oldsmobile Regency.

Because many people have only the minimum liability required by law, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is very important.

Collision protection

Collision insurance pays to fix your vehicle from damage from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers claims such as colliding with a tree, crashing into a building and damaging your car on a curb. This coverage can be expensive, so consider removing coverage from vehicles that are 8 years or older. Drivers also have the option to bump up the deductible to bring the cost down.

Liability coverages

This can cover damage or injury you incur to other people or property. It protects YOU from legal claims by others. It does not cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show limits of 50/100/50 which means a limit of $50,000 per injured person, a total of $100,000 of bodily injury coverage per accident, and a limit of $50,000 paid for damaged property.

Liability insurance covers things like repair bills for other people’s vehicles, repair costs for stationary objects, emergency aid and bail bonds. How much coverage you buy is your choice, but buy as high a limit as you can afford.

Find Good Coverage for Less

You just read a lot of techniques to reduce 1998 Oldsmobile Regency insurance car insurance rates online. The most important thing to understand is the more times you quote, the better chance you’ll have of finding low cost insurance. You may be surprised to find that the lowest car insurance rates come from a lesser-known regional company. These smaller insurers may cover specific market segments cheaper than the large multi-state companies such as State Farm and Allstate.

As you restructure your insurance plan, you should never skimp on coverage in order to save money. There are a lot of situations where an accident victim reduced collision coverage only to discover later that the few dollars in savings costed them thousands. Your strategy should be to find the BEST coverage at the lowest possible cost, not the least amount of coverage.

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