Vehicles > Oldsmobile > Regency
Drivers have lots of options when shopping for car insurance for your Oldsmobile vehicle. You can get prices from an agent or go online to compare insurance costs of insurance carriers. Buying car insurance by getting online quotes can be fast and easy, plus you can save money.
If you're new to shopping for car insurance online, you may be overwhelmed by the hoards of car insurance companies offering insurance. There are several ways to compare quotes from car insurance companies in your area. By far the easiest way to find the cheapest Regency insurance rates is to get quotes online. This can be done by getting a quick quote here.
Car insurance premiums for a Oldsmobile Regency can vary widely depending on several factors. Including but not limited to:
An additional factor that helps determine Regency insurance cost is the year of the vehicle. Older models have a lower value than newer models so repair costs tend to be lower which may result in lower rates. But newer models may have safety features including adaptive headlights, blind-spot warning system, and a rollover prevention system which can help offset higher rates.
To get more specific information about how much rates will be for your vehicle, select the year of your Regency from the list below.
Liability
This coverage protects you from damage or injury you incur to other people or property in an accident. Liability coverage pays for claims like pain and suffering, repair costs for stationary objects, and legal defense fees. Coverage is generally pretty cheap so you should buy higher limits if possible.
Collision insurance
Collision insurance pays for damage to your Oldsmobile caused by collision with a stationary object or other vehicle. You will need to pay your deductible then your collision coverage will kick in. Regency collision insurance is rather expensive coverage, so you might think about dropping it from older vehicles. Drivers also have the option to raise the deductible to save money on collision insurance.
Comprehensive or Other Than Collision
Comprehensive insurance covers damage from a wide range of events other than collision. A deductible will apply and then insurance will cover the rest of the damage. The maximum payout your car insurance company will pay is the ACV or actual cash value, so if your deductible is as high as the vehicle's value consider dropping full coverage.
Uninsured/Underinsured Motorist (UM/UIM)
Uninsured or Underinsured Motorist coverage provides protection when the "other guys" do not carry enough liability coverage. Since many drivers carry very low liability coverage limits, it doesn't take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is very important.
Medical costs insurance
Med pay and PIP coverage pay for immediate expenses such as EMT expenses, pain medications, and nursing services. They can be used to fill the gap from your health insurance policy or if there is no health insurance coverage. Personal Injury Protection is not available in all states and may carry a deductible.
How Much are Oldsmobile Regency Insurance Rates?