1991 Oldsmobile Eighty-Eight Royale Car Insurance Cost

Looking for lower insurance rates for your Oldsmobile Eighty-Eight Royale? Are you kicking yourself for buying an overpriced insurance policy? Trust us when we tell you there are many drivers thinking the same thing.

There are many insurance companies to purchase coverage from, and although it’s a good thing to have multiple companies, it can be more challenging to compare company pricing.

Buying the lowest cost protection is simple if you know the tricks. Just about every driver who is required by state law to have car insurance most likely will be able to lower their premiums. Nevertheless, drivers must know the way insurance companies sell online because it can help you find the best coverage.

Discount insurance quotes

Some providers do not advertise every discount they offer in an easy-to-find place, so we break down both well-publicized and the more hidden credits available to lower your premiums when you buy car insurance online.

  • Discount for New Cars – Buying coverage on a new vehicle can get you a discount because newer vehicles have to meet stringent safety requirements.
  • Active Service Discounts – Having a family member in the military may qualify for rate reductions.
  • Waiver for an Accident – This one isn’t a discount, but companies like Allstate, State Farm and GEICO will allow you to have one accident before your rates go up as long as you don’t have any claims for a specific time period.
  • Federal Employees – Having worked for a branch of the government may reduce rates when you quote car insurance on Eighty-Eight Royale insurance but check with your company.
  • 55 and Retired – If you’re over the age of 55, you may be able to get a small discount on rates on Eighty-Eight Royale insurance.
  • Discounts for Multiple Vehicles – Buying a policy with multiple vehicles on one policy can get a discount on all vehicles.
  • Driver Training Discounts – Successfully completing a driver safety course is a good idea and can lower rates if you qualify.
  • Low Mileage Discounts – Keeping the miles down on your Oldsmobile can qualify you for cheaper insurancerates.
  • Anti-lock Brake System – Vehicles that have steering control and anti-lock brakes prevent accidents and therefore earn up to a 10% discount.
  • Discounts for Safe Drivers – Insureds without accidents may receive a discount up to 45% on Eighty-Eight Royale insurance compared to accident prone drivers.

Remember that some credits don’t apply to the overall cost of the policy. Most cut specific coverage prices like collision or personal injury protection. Just because it seems like all the discounts add up to a free policy, insurance companies wouldn’t stay in business.

Companies and some of their more popular discounts are outlined below.

  • State Farm offers discounts for driver’s education, multiple policy, Steer Clear safe driver discount, Drive Safe & Save, and good student.
  • American Family may offer discounts for multi-vehicle, good driver, accident-free, bundled insurance, and early bird.
  • AAA has discounts for multi-policy, good driver, multi-car, education and occupation, and pay-in-full.
  • GEICO policyholders can earn discounts including multi-policy, military active duty, anti-theft, anti-lock brakes, and air bags.
  • Mercury Insurance offers premium reductions for type of vehicle, good driver, multi-car, ease of repair, anti-theft, accident-free, and low natural disaster claims.
  • Farmers Insurance discounts include homeowner, multi-car, alternative fuel, pay in full, and business and professional.
  • Progressive offers discounts including multi-policy, online quote discount, continuous coverage, good student, homeowner, online signing, and multi-vehicle.

If you want cheap car insurance quotes, ask each company to give you their best rates. All car insurance discounts may not apply in your area.

Buy car insurance online

When shopping for car insurance there are multiple ways to compare prices from all the different companies. One of the best ways to find cheaper 1991 Oldsmobile Eighty-Eight Royale rates consists of obtaining rate quotes online. This is quite simple and can be completed by using one of the methods below.

  • If you don’t have a lot of time, the easiest way to find the lowest comparison rates is an all-inclusive rate comparison click here to open form in new window. This type of form saves time by eliminating separate quotation requests for every company. One form submission gets you price quotes from several companies.
  • A different way to get quotes online is spending the time to visit each company’s website to complete a price quote. For examples sake, we’ll pretend you want to view quotes from Liberty Mutual, State Farm and Progressive. To find out each rate you need to visit each site and repeatedly enter your information, which explains why we recommend starting with the first method. For a list of links to insurance companies in your area, click here.
  • The old school way of getting rate comparisons is actually driving to local insurance agencies. Comparing rate quotes online makes this unnecessary unless you have a complicated situation and need the professional assistance that you can only get from talking to an agent. You can, however, get prices online but still have the advice of a local agent.

It’s your choice how you get your quotes, but double check that you are using equivalent deductibles and coverage limits on every quote you get. If you are comparing different values for each quote then you won’t be able to make a fair rate comparison. Even a minor difference in insurance coverages or limits may result in large price differences. Just keep in mind that having more price comparisons helps increase your odds of locating more affordable insurance.

Tailor your insurance coverage to you

When choosing the best insurance coverage, there is no one size fits all plan. Everyone’s situation is unique so this has to be addressed. Here are some questions about coverages that may help you determine whether or not you would benefit from an agent’s advice.

  • Will filing a claim cost me more?
  • Am I covered when driving on a suspended license?
  • Do I have newly-aquired coverage?
  • When should my teen driver be added to my policy?
  • Does having multiple vehicles earn me a discount?
  • What are the financial responsibility laws in my state?
  • Does my insurance cover damage caused when ticketed for reckless driving?
  • Are my friends covered when driving my car?
  • Are rental cars covered under my policy?

If you can’t answer these questions but a few of them apply, you may need to chat with 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 insurance companies in your area.

Auto insurance policy specifics

Understanding the coverages of your auto insurance policy helps when choosing which coverages you need and the correct deductibles and limits. The terms used in a policy can be ambiguous and even agents have difficulty translating policy wording. These are the usual coverages available from auto insurance companies.

Uninsured or underinsured coverage

Uninsured or Underinsured Motorist coverage gives you protection when other motorists either have no liability insurance or not enough. This coverage pays for hospital bills for your injuries and damage to your Oldsmobile Eighty-Eight Royale.

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. Normally your uninsured/underinsured motorist coverages are set the same as your liablity limits.

Medical expense coverage

Coverage for medical payments and/or PIP kick in for immediate expenses for surgery, nursing services, chiropractic care and funeral costs. The coverages can be used to cover expenses not covered by your health insurance plan or if you do not have health coverage. It covers both the driver and occupants as well as any family member struck as a pedestrian. Personal Injury Protection is not universally available and may carry a deductible

Auto collision coverage

This will pay to fix damage to your Eighty-Eight Royale resulting from colliding with another car or object. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for things such as colliding with a tree, crashing into a ditch, scraping a guard rail and rolling your car. This coverage can be expensive, so consider removing coverage from older vehicles. Drivers also have the option to bump up the deductible in order to get cheaper collision rates.

Comprehensive protection

This covers damage OTHER than collision with another vehicle or object. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things such as hitting a bird, a broken windshield, falling objects and theft. The highest amount you can receive from a comprehensive claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Liability coverage

This protects you from damage or injury you incur to other’s property or people. It protects you from claims by other people, and doesn’t cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You might see values of 100/300/100 which means $100,000 in coverage for each person’s injuries, a limit of $300,000 in injury protection per accident, and a total limit of $100,000 for damage to vehicles and property. Some companies may use a combined single limit or CSL which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability coverage pays for things such as repair bills for other people’s vehicles, loss of income, legal defense fees and medical services. How much liability should you purchase? That is a personal decision, but buy as much as you can afford.

Have the Midas touch

Affordable 1991 Oldsmobile Eighty-Eight Royale insurance can be found on the web in addition to local insurance agencies, and you should be comparing both to get a complete price analysis. There are still a few companies who do not provide the ability to get a quote online and these regional insurance providers prefer to sell through local independent agencies.

As you shop your coverage around, don’t be tempted to sacrifice coverage to reduce premiums. There are too many instances where drivers have reduced physical damage coverage and found out when filing a claim they didn’t purchase enough coverage. Your strategy should be to purchase plenty of coverage at the best possible price but still have enough coverage for asset protection.

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