1990 Oldsmobile Eighty-Eight Royale Car Insurance Cost

Do you think you bought an overpriced auto insurance policy? Trust us when we tell you there are many consumers feeling the pinch from expensive auto insurance. You have multiple auto insurance companies to choose from, and though it is a good thing to have a choice, more choices can make it harder to compare rates and find the lowest cost auto insurance.

Consumers should take time to do rate comparisons periodically since prices change frequently. Even if you think you had the best deal for Eighty-Eight Royale coverage two years ago the chances are good that you can find a lower rate quote today. There are lots of tips to save on auto insurance online but in just a couple of minutes you can learn a bunch of ideas how to find affordable auto insurance.

The method we recommend to compare policy rates is to realize most larger insurance companies have advanced systems to give you rate quotes. To get started, all you need to do is give them rating details like how many miles driven, if your license is active, whether the vehicles are used for commuting, and how much education you have. That rating information is instantly submitted to multiple different insurance companies and they respond with quotes quickly.

To start a rate quote now, click here and enter your coverage details.

More discounts mean affordable premiums

Insurance can cost an arm and a leg, but you might find some hidden discounts that many people don’t even know exist. Certain discounts will be applied at the time of quoting, but lesser-known reductions have to be specially asked for before you get the savings.

  • Onboard Data Collection – Drivers who elect to allow their company to track where and when they drive through the use of a telematics system such as Drivewise from Allstate or Snapshot from Progressive may see discounts if they show good driving skills.
  • Anti-lock Brakes – Cars with anti-lock braking systems have fewer accidents so companies give up to a 10% discount.
  • Theft Deterent – Vehicles with anti-theft systems are less likely to be stolen and that can save you a little bit as well.
  • Drive Less and Save – Driving fewer miles can qualify you for substantially lower insurance coveragerates.
  • Student Discounts – Maintaining excellent grades could provide a savings of up to 20% or more. The good student discount can last up to age 25.
  • Cautious Driver Discounts – Insureds without accidents may receive a discount up to 45% for Eighty-Eight Royale coverage as compared to drivers with claims.
  • Seat Belt Discounts – Requiring all passengers to buckle their seat belts can save a little off the personal injury premium cost.
  • First Accident Forgiveness – This one isn’t a discount, but companies like State Farm and GEICO will forgive one accident before your rates go up so long as you haven’t had any claims for a specific time period.

One thing to note about discounts is that most discounts do not apply to all coverage premiums. The majority will only reduce the price of certain insurance coverages like medical payments or collision. Even though it may seem like you can get free auto insurance, it doesn’t quite work that way. Any amount of discount will bring down the amount you have to pay.

Insurance companies that may offer quotes with some of the discounts shown above include:

When comparing rates, check with each company or agent how you can save money. All car insurance discounts might not be offered on policies in your area. To find insurance coverage companies that provide some of the discounts listed above, click this link.

It’s not one size fits all

When it comes to choosing proper insurance coverage for your vehicles, there really is no best way to insure your cars. Every insured’s situation is different and a cookie cutter policy won’t apply. These are some specific questions can help discover whether your personal situation would benefit from professional advice.

  • What is an SR-22 filing?
  • Should I rate my 1990 Oldsmobile Eighty-Eight Royale as pleasure use or commute?
  • Do I really need UM/UIM coverage?
  • Do I need PIP (personal injury protection) coverage in my state?
  • Is my babysitter covered when using my vehicle?
  • Am I covered if I crash into my own garage door?

If you’re not sure about those questions but you know they apply to you, you might consider talking to an agent. If you want to speak to an agent in your area, fill out this quick form or click here for a list of car insurance companies in your area. It’s fast, free and can help protect your family.

Specifics of your insurance policy

Learning about specific coverages of insurance aids in choosing the best coverages and proper limits and deductibles. Insurance terms can be impossible to understand and even agents have difficulty translating policy wording. These are the usual coverages offered by insurance companies.

Collision coverage – Collision coverage pays for damage to your Eighty-Eight Royale resulting from colliding with an object or car. You have to pay a deductible then your collision coverage will kick in.

Collision coverage pays for things such as colliding with another moving vehicle, hitting a parking meter and damaging your car on a curb. This coverage can be expensive, so consider dropping it from vehicles that are older. Drivers also have the option to increase the deductible in order to get cheaper collision rates.

Comprehensive protection – Comprehensive insurance coverage pays for damage OTHER than collision with another vehicle or object. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims like hitting a deer, theft, damage from flooding and hail damage. The highest amount your insurance company will pay is the actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Liability – This coverage provides protection from damages or injuries you inflict on other’s property or people by causing an accident. This insurance protects YOU from legal claims by others. Liability doesn’t cover damage sustained by your vehicle in an accident.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show values of 25/50/25 which stand for $25,000 bodily injury coverage, a limit of $50,000 in injury protection per accident, and property damage coverage for $25,000. Some companies may use one limit called combined single limit (CSL) which provides one coverage limit and claims can be made without the split limit restrictions.

Liability coverage pays for claims such as repair costs for stationary objects, medical expenses and funeral expenses. How much liability coverage do you need? That is a personal decision, but consider buying as large an amount as possible.

Medical expense coverage – Med pay and PIP coverage pay for bills such as chiropractic care, doctor visits, X-ray expenses and pain medications. They can be used to fill the gap from your health insurance plan or if you are not covered by health insurance. They cover you and your occupants in addition to if you are hit as a while walking down the street. Personal injury protection coverage is not an option in every state and gives slightly broader coverage than med pay

Uninsured or underinsured coverage – This coverage gives you protection from other drivers when they are uninsured or don’t have enough coverage. It can pay for injuries to you and your family and also any damage incurred to your 1990 Oldsmobile Eighty-Eight Royale.

Because many people carry very low liability coverage limits, their limits can quickly be used up. So UM/UIM coverage is a good idea. Frequently the UM/UIM limits are identical to your policy’s liability coverage.