1995 Oldsmobile Eighty-Eight Royale Car Insurance Rates – 10 Ways to Save

I doubt anyone is fond of buying insurance, particularly when they could lower their rates if they shopped around.

Popular companies such as Progressive, State Farm and GEICO constantly blast consumers with TV and radio ads and it is challenging if not impossible to separate fact from fiction and effectively compare rates to find the best deal.

Consumers should take time to compare rates once or twice a year because insurance prices are adjusted regularly by insurance companies. Despite the fact that you may have had the lowest price for Eighty-Eight Royale insurance a few years ago a different company probably has better rates today. You can find a lot of information about insurance out there, but in a few minutes you can learn some great ways to slash your insurance rates.

If you currently have a car insurance policy, you will most likely be able to save some money using these methods. Finding the best rates is quite easy. Nevertheless, drivers can benefit from knowing how big insurance companies price insurance differently and apply this information to your search.

Find hidden discounts on car insurance

Car insurance is not inexpensive, but you might be missing out on some discounts that could drop your premiums quite a bit. Many of these discounts will be applied automatically when you get a quote, but some discounts are required to be manually applied in order for you to get them. If you do not check that you are getting every discount you qualify for, you could be getting lower rates.

  • No Accidents – Insureds who avoid accidents and claims are rewarded with significantly better rates on car insurance quote in comparison to policyholders that have many claims.
  • Save over 55 – Seniors can get a small decrease in premiums for Eighty-Eight Royale insurance.
  • Fewer Miles Equal More Savings – Keeping the miles down on your Oldsmobile may allow you to get better rates on cars that stay parked.
  • Sign Online – Some companies will provide an incentive shop car insurance online.
  • Theft Deterent Discount – Cars with anti-theft systems are stolen with less frequency so companies will give you a small discount.
  • Defensive Driver Discount – Participating in a safe driver course could earn you a small percentage discount and also improve your driving technique.
  • Renewal Discounts – Some insurance companies provide a discount for buying a policy prior to your current policy expiration. This discount can save up to 10%.
  • Auto/Home Discount – When you combine your homeowners and auto insurance with the same insurance company you may earn at least 10% off all policies.
  • New Car Discount – Putting car insurance coverage on a new car can be considerably cheaper because new vehicles are generally safer.
  • Pay Now and Pay Less – If you pay your entire premium ahead of time rather than paying monthly you may have a lower total premium amount.

A little note about advertised discounts, most credits do not apply to the entire policy premium. Most only reduce the cost of specific coverages such as collision or personal injury protection. Just because it seems like it’s possible to get free car insurance, car insurance companies aren’t that generous.

The best car insurance companies and a partial list of their discounts include:

  • State Farm may offer discounts for good driver, student away at school, Steer Clear safe driver discount, accident-free, and good student.
  • American Family offers premium reductions for Steer into Savings, bundled insurance, TimeAway discount, mySafetyValet, accident-free, multi-vehicle, and early bird.
  • GEICO includes discounts for defensive driver, air bags, anti-theft, seat belt use, multi-vehicle, military active duty, and anti-lock brakes.
  • 21st Century has discounts for teen driver, early bird, air bags, good student, and driver training.
  • Progressive may include discounts for online quote discount, online signing, continuous coverage, homeowner, multi-vehicle, and good student.

Before you buy a policy, ask every prospective company to give you their best rates. Discounts might not be offered in your area. To find car insurance companies with significant discounts, click here.

Tailor your insurance coverage coverage to you

When buying the right insurance coverage for your personal vehicles, there is no cookie cutter policy. Your needs are not the same as everyone else’s and your policy should reflect that. For example, these questions might help in determining whether you might need professional guidance.

  • How high should my medical payments coverage be?
  • Will I be non-renewed for getting a DUI or other conviction?
  • Do I need replacement cost coverage on my 1995 Oldsmobile Eighty-Eight Royale?
  • I don’t drive much so do I pay less?
  • What is no-fault insurance?
  • What is roadside assistance coverage?
  • Does medical payments coverage apply to all occupants?
  • Am I covered by my spouse’s policy after a separation?
  • Do I need motorclub coverage?

If it’s difficult to answer those questions but one or more may apply to you then you might want to talk to an agent. If you want to speak to an agent in your area, complete this form or click here for a list of insurance coverage companies in your area.

Don’t listen to company ads

Big name companies like 21st Century, Allstate and State Farm continually stream ads in print and on television. All the ads make the same claim about savings just by switching your policy. It sounds good, but how can they all save you money? It’s all in the numbers.

Most companies provide the lowest rates for a prospective insured that is profitable for them. For example, a profitable insured could be between the ages of 30 and 45, has a clear driving record, and has great credit. Any customer that meets those criteria will get the preferred prices and will also save a lot of money.

Drivers who don’t measure up to these stringent criteria will get a higher rate with the end result being business going elsewhere. If you pay attention, the ads say “customers that switch” not “all people who quote” save money. This is how companies can truthfully claim big savings. Each company has different criteria, so you need to do a quote comparison often. It’s not possible to predict the company that will have better car insurance rates than you’re paying now.

The coverage is in the details

Learning about specific coverages of your insurance policy aids in choosing which coverages you need and proper limits and deductibles. Insurance terms can be ambiguous and nobody wants to actually read their policy. These are the usual coverages found on the average insurance policy.

Comprehensive or Other Than Collision – This covers damage that is not covered by collision coverage. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things like fire damage, a broken windshield, hail damage and theft. The maximum amount you’ll receive from a claim is the cash value of the vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Medical costs insurance – Medical payments and Personal Injury Protection insurance provide coverage for immediate expenses for things like EMT expenses, surgery, prosthetic devices and doctor visits. They can be utilized in addition to your health insurance plan or if you are not covered by health insurance. Coverage applies to not only the driver but also the vehicle occupants and also covers being hit by a car walking across the street. Personal injury protection coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

UM/UIM Coverage – This gives you protection from other motorists when they do not carry enough liability coverage. Covered losses include injuries to you and your family as well as your vehicle’s damage.

Because many people only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is very important.

Liability coverages – Liability insurance will cover injuries or damage you cause to a person or their property by causing an accident. Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see liability limits of 25/50/25 that translate to a $25,000 limit per person for injuries, a limit of $50,000 in injury protection per accident, and a limit of $25,000 paid for damaged property.

Liability insurance covers claims like funeral expenses, repair costs for stationary objects and loss of income. How much liability coverage do you need? That is up to you, but buy as much as you can afford.

Collision coverage – This covers damage to your Eighty-Eight Royale resulting from a collision with a stationary object or other vehicle. You have to pay a deductible and then insurance will cover the remainder.

Collision can pay for things such as colliding with another moving vehicle, damaging your car on a curb and rolling your car. Paying for collision coverage can be pricey, so you might think about dropping it from older vehicles. Another option is to increase the deductible to bring the cost down.

Stretch your dollar

Some insurance companies do not provide price quotes online and these smaller providers prefer to sell through independent agents. Affordable 1995 Oldsmobile Eighty-Eight Royale insurance is available on the web as well as from independent agents, so you should be comparing quotes from both to get a complete price analysis.

As you go through the steps to switch your coverage, do not reduce coverage to reduce premium. In too many instances, someone dropped physical damage coverage to discover at claim time that it was a big error on their part. The proper strategy is to buy a smart amount of coverage at the lowest possible cost, not the least amount of coverage.

We covered some good ideas how you can lower your 1995 Oldsmobile Eighty-Eight Royale insurance prices. The key concept to understand is the more times you quote, the better your comparison will be. You may be surprised to find that the lowest prices come from a small local company. Regional companies may often insure only within specific states and give getter rates compared to the large companies like Allstate, GEICO and Progressive.

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