Searching for lower insurance coverage rates for your Oldsmobile Eighty-Eight Royale? Are you regretting the purchase of an overpriced insurance coverage policy? You’re preaching to the choir because there are many people just like you.
Multiple auto insurance companies compete for your hard-earned dollar, and it can be difficult to compare rates and get the best coverage at the best rate
Many insurance companies such as State Farm and Allstate allow you to get price estimates on the web. Doing online price comparisons doesn’t take a lot of time because you just enter your required coverages into the quote form. When complete, the system obtains your driving record and credit report and gives you a price quote. Quoting online makes comparing rates easy, but the process of having to visit each company’s website and repetitively type in the same information can be a bit tiresome and repetitive. But it’s also necessary to get many rate quotes in order to get the best price on car insurance.
There is a better way to compare rates
A more efficient way to find better car insurance pricing uses one simple form that gets prices from several different companies. It saves time, requires much less work on your part, and makes online price comparison much easier. Immediately after submitting the form, it gets priced and you can select any or none of the quotes returned. If a lower price is quoted, you simply finish the application and buy the new coverage. It only takes a few minutes and you will know how your current rates stack up.
In order to fill out one form to compare multiple rates now, simply click here to open in new window and enter your vehicle and coverage information. To compare your current rates, we recommend you type in the coverage information as close as possible to your current policy. This guarantees you will be getting comparison quotes for exact coverage.
When it comes to choosing adequate coverage for your personal vehicles, there isn’t really a cookie cutter policy. Every insured’s situation is different and your policy should reflect that. For example, these questions may help highlight whether your personal situation will benefit from professional help.
If you don’t know the answers to these questions but you think they might apply to your situation, then you may want to think about talking to a licensed agent. To find an agent in your area, simply complete this short form or you can also visit this page to select a carrier
Understanding the coverages of a car insurance policy can be of help when determining appropriate coverage at the best deductibles and correct limits. Car insurance terms can be impossible to understand and reading a policy is terribly boring. These are the normal coverages found on most car insurance policies.
Comprehensive auto coverage
Comprehensive insurance coverage pays for damage that is not covered by collision coverage. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.
Comprehensive coverage pays for claims like falling objects, hitting a deer, damage from a tornado or hurricane and a broken windshield. The highest amount you’ll receive from a claim is the ACV or actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.
Medical payments and PIP coverage
Med pay and PIP coverage kick in for short-term medical expenses for things like EMT expenses, funeral costs and pain medications. The coverages can be used to fill the gap from your health insurance plan or if you are not covered by health insurance. Coverage applies to all vehicle occupants and will also cover getting struck while a pedestrian. PIP is not an option in every state and may carry a deductible
UM/UIM (Uninsured/Underinsured Motorist) coverage
This coverage protects you and your vehicle’s occupants from other drivers when they either have no liability insurance or not enough. It can pay for injuries sustained by your vehicle’s occupants and damage to your Oldsmobile Eighty-Eight Royale.
Since a lot of drivers only carry the minimum required liability limits, their limits can quickly be used up. This is the reason having UM/UIM coverage is a good idea.
Collision protection
Collision coverage pays for damage to your Eighty-Eight Royale resulting from colliding with another car or object. A deductible applies then the remaining damage will be paid by your insurance company.
Collision coverage protects against claims like rolling your car, hitting a mailbox, crashing into a ditch, driving through your garage door and sideswiping another vehicle. Paying for collision coverage can be pricey, so you might think about dropping it from older vehicles. Drivers also have the option to raise the deductible to get cheaper collision coverage.
Liability
Liability insurance will cover damage that occurs to other people or property in an accident. Coverage consists of three different 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 that translate to a limit of $25,000 per injured person, $50,000 for the entire accident, and property damage coverage for $25,000.
Liability coverage pays for claims such as bail bonds, medical expenses, attorney fees and structural damage. How much coverage you buy is up to you, but consider buying as much as you can afford.