1997 Oldsmobile Regency Car Insurance Rates – 5 Tricks for Best Quotes

Did you make the mistake of buying overpriced insurance coverage? You’re preaching to the choir because there are many consumers feeling the pinch from expensive insurance coverage. Due to the fact that there are so many insurance providers from which to choose, it is hard for the average consumer to find the most affordable insurance coverage provider.

Consumers should take time to take a look at other company’s rates on a regular basis because insurance prices are constantly changing. Just because you had the lowest rates for Regency insurance at your last renewal a different company probably has better rate quotes today. Block out anything you think you know about insurance coverage because we’re going to demonstrate how to use online quotes to get good coverage at a lower rate.

Choosing the best insurance company for you is quite easy. If you have a policy now or need a new policy, you can learn to find better prices while maintaining coverages. Vehicle owners only need to know the best way to get comparison quotes over the internet.

How to get free auto insurance quotes online

Finding cheap 1997 Oldsmobile Regency auto insurance rates can be quick and easy. Consumers just need to spend a few minutes on the computer to get quotes from different insurance companies. This can be accomplished using a couple different methods.

  1. Hands down the most simple method to get quotes for comparison is a comparison rater form click to view form in new window. This type of form eliminates the need for separate quote forms for each company. Taking the time to complete one form will get you rate comparisons from auto insurance companies with the best prices.
  2. A more difficult way to analyze rates is to manually visit the website for each individual company and get a separate price quote. For examples sake, let’s assume you want to compare prices for State Farm, Esurance and Travelers. To get rate quotes you would need to navigate to each company’s site and enter your information, which can get rather old.

    For a list of links to insurance companies in your area, click here.

  3. The old school way to price shop rates is calling or driving to all the different insurance agencies. The ability to buy insurance online has made agencies unnecessary unless you want the trained advice of a local agency. It is possible to compare the best prices online but buy the policy through an agent.

The method you choose is up to you, but make absolute certain that you use equivalent quote information for every company. If the quotes have different data it will be next to impossible to truly determine the lowest rate.

Verify you’re getting every discount

Companies that sell car insurance don’t list every available discount in an easy-to-find place, so the next list breaks down a few of the more well known in addition to some of the lesser obvious discounts that you can inquire about if you buy insurance coverage online.

  • Lower Rates for Military – Being on active deployment in the military could qualify you for better prices.
  • Accident Waiver – This one isn’t a discount, but some companies like Progressive, Allstate, and GEICO may permit one accident without getting socked with a rate hike so long as you are claim-free for a certain period of time.
  • Save with a New Car – Insuring a new car can save up to 30% because newer models keep occupants safer.
  • Telematics Data – People who choose to allow their insurance company to monitor when and where they use their vehicle by installing a telematics device like Drivewise from Allstate or In-Drive from State Farm might see lower rates if they show good driving skills.
  • Anti-lock Brake Discount – Vehicles with anti-lock braking systems are safer to drive and will save you 10% or more.

Don’t be surprised that most credits do not apply the the whole policy. Most only reduce the cost of specific coverages such as comprehensive or collision. Just because you may think it’s possible to get free car insurance, companies wouldn’t make money that way.

Some of the larger companies that may offer policyholders many of the previously listed discounts include:

It’s a good idea to ask each insurance company which discounts can lower your rates. Some of the discounts discussed earlier might not be available to policyholders in your area. If you would like to see a list of car insurance companies that offer multiple discounts, follow this link.

When should I discuss my situation with an agent?

When choosing coverage, there really is not a “best” method to buy coverage. Everyone’s situation is a little different so this has to be addressed. Here are some questions about coverages that may help you determine if your insurance needs could use an agent’s help.

  • Do all my vehicles need collision coverage?
  • Am I covered when driving in Canada or Mexico?
  • Why do I only qualify for high-risk insurance?
  • Will I be non-renewed for getting a DUI or other conviction?
  • Do I need higher collision deductibles?
  • Am I covered when driving someone else’s vehicle?
  • Where can I find DUI or SR-22 insurance?
  • At what point should I drop full coverage?

If you don’t know the answers to these questions but one or more may apply to you, you might consider talking to an agent. To find an agent in your area, complete this form or click here for a list of insurance companies in your area. It only takes a few minutes and can help protect your family.

Insurance specifics

Having a good grasp of your policy can help you determine which coverages you need and the correct deductibles and limits. Insurance terms can be impossible to understand and even agents have difficulty translating policy wording. Below you’ll find typical coverage types found on the average insurance policy.

Comprehensive or Other Than Collision

This coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things like hail damage, hitting a deer, falling objects and damage from getting keyed. The maximum payout you’ll receive from a claim is the cash value of the vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Liability coverages

This coverage will cover injuries or damage you cause to a person or their property by causing an accident. It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You might see limits of 100/300/100 that means you have $100,000 bodily injury coverage, $300,000 for the entire accident, and a total limit of $100,000 for damage to vehicles and property.

Liability can pay for claims like loss of income, medical expenses, repair costs for stationary objects and structural damage. The amount of liability coverage you purchase is up to you, but you should buy as high a limit as you can afford.

Medical costs insurance

Coverage for medical payments and/or PIP provide coverage for immediate expenses for things like surgery, nursing services, doctor visits and hospital visits. They are often used to fill the gap from 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 any family member struck as a pedestrian. Personal Injury Protection is not universally available but it provides additional coverages not offered by medical payments coverage

Auto collision coverage

Collision coverage covers damage to your Regency caused by collision with another vehicle or an object, but not an animal. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision can pay for claims such as rolling your car, colliding with another moving vehicle, driving through your garage door and scraping a guard rail. This coverage can be expensive, so consider removing coverage from vehicles that are older. You can also increase the deductible to bring the cost down.

UM/UIM Coverage

Your UM/UIM coverage gives you protection from other drivers when they are uninsured or don’t have enough coverage. Covered losses include injuries to you and your family and also any damage incurred to your Oldsmobile Regency.

Since many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. So UM/UIM coverage should not be overlooked.

At the end of the day…

Low-cost 1997 Oldsmobile Regency insurance can be found from both online companies and from local agencies, and you need to price shop both so you have a total pricing picture. Some insurance companies do not provide rates over the internet and most of the time these small insurance companies provide coverage only through independent agents.

When shopping online for insurance, never skimp on coverage in order to save money. There are a lot of situations where consumers will sacrifice full coverage and learned later that the savings was not a smart move. Your goal is to get the best coverage possible at the best price while not skimping on critical coverages.

To learn more, take a look at the resources below: