Lower Your 1991 Oldsmobile Eighty-Eight Royale Insurance Cost

I can’t think of anyone who loves paying for insurance coverage, especially knowing the cost is too high. Online insurance companies like State Farm, Progressive and Geico continually bombard you with fancy advertisements and consumers find it hard to see through the cute green geckos and mayhem and find the best price available.

Compare quotes for insurance coverage

Finding a lower price on 1991 Oldsmobile Eighty-Eight Royale insurance is pretty simple and can save money. The only requirement is to take time to get quotes to find out which insurance company has affordable auto insurance quotes. Price comparisons can be done using one of these methods.

1. One of the best ways to compare a lot of rates at once is a comparison rater form like this one (opens in new window). This style of form saves time by eliminating repetitive form entry to each individual insurance coverage company. Taking the time to complete one form will return quotes from insurance coverage companies with the best prices.
2. A harder way to find better pricing requires a trip to each company website and go through the quote process again. For instance, let’s say you want to view quotes from Progressive, Geico and American Family. To get each rate you have to spend time on each company’s site and repeatedly type in your coverage information, which explains why we recommend starting with the first method.

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

It doesn’t matter which method you choose, just make sure you are using nearly identical information for each comparison quote. If you enter higher or lower deductibles it will be next to impossible to find the best deal for your Oldsmobile Eighty-Eight Royale.

Components of your Oldsmobile Eighty-Eight Royale insurance prices

Lots of things are used in the calculation when you quote your car insurance policy. Some are obvious like a motor vehicle report, but other criteria are not quite as obvious like your vehicle usage or how financially stable you are.

The list below includes a partial list of the pieces used by companies to determine your rate level.

• Insurance is expensive for teenage drivers – Older drivers have been proven to be more responsible, file fewer claims and tend to be get fewer driving tickets.Inexperience drivers tend to be inattentive and easily distracted when behind the wheel therefore car insurance rates are much higher.
• Driving citations can be expensive – Your driving citation history has a big impact on rates. Getting just one speeding ticket can increase rates to the point where it’s not affordable. Drivers with clean records pay lower auto insurance prices than their less careful counterparts. Drivers who have license-revoking violations such as DUI or willful reckless driving may face state-mandated requirements to file a SR-22 with their state in order to legally drive a vehicle.
• Low comp and collision deductibles cost more – Comp and collision deductibles are how much you are required to spend out-of-pocket if the claim is covered. Physical damage insurance, aka comp and collision, is used to repair damage to your car. Some instances where coverage would apply are collision with another vehicle, collision with a deer, and having a roll-over accident. The more expense you are required to pay out-of-pocket, the less money you will pay for car insurance on Eighty-Eight Royale insurance.
• Only buy what you need – There are a ton of extra coverages that sound like a good idea at the time if you aren’t careful. Insurance for rental car reimbursement, high-cost glass coverage, and extra equipment coverage may be wasting your money. They may seem like a good idea when you first buy your policy, but your needs may have changed so remove them and pocket the money.

Get lower rates with these discounts

Not many people think insurance is cheap, but there could be significant discounts that may help make it more affordable. Certain credits will be shown at the time of quoting, but a few need to be specially asked for in order for you to get them.

• Student in College – Children who attend college more than 100 miles from home and won’t have access to an insured vehicle may be insured at a cheaper rate.
• Discount for Multiple Policies – If you can combine your auto and homeowners policy with one insurance company you will save nearly 15% which can help you find inexpensive auto insurance.
• Pay Now and Pay Less – If you pay your bill all at once rather than spreading payments over time you could save up to 5%.
• Passenger Safety Discount – Factory options such as air bags can qualify for discounts as much as 30%.
• Discount for Good Grades – A discount for being a good student can be rewarded with saving of up to 25%. This discount can apply well after school through age 25.
• Good Driver Discount – Drivers who avoid accidents can pay as much as 50% less on Eighty-Eight Royale insurance than drivers with accident claims.
• No Charge for an Accident – Not really a discount, but some companies like State Farm and Progressive will turn a blind eye to one accident before your rates go up if you are claim-free prior to the accident.
• Telematics Devices – People who choose to allow driving data submission to monitor when and where they use their vehicle by using a small device installed in their vehicle such as Snapshot from Progressive or Drivewise from Allstate may get a rate reduction if their driving habits are good.
• Driver Education Discount – Reduce the cost of insurance for teen drivers by having them take driver’s ed class as it will make them better drivers and lower rates.

Consumers should know that some of the credits will not apply the the whole policy. The majority will only reduce specific coverage prices like liability and collision coverage. Just because you may think you would end up receiving a 100% discount, nobody gets a free ride.

Companies and a selection of discounts are included below.

• Geico may include discounts for military active duty, anti-lock brakes, five-year accident-free, multi-policy, multi-vehicle, and defensive driver.
• Travelers has savings for home ownership, payment discounts, driver training, early quote, multi-car, new car, and hybrid/electric vehicle.
• Nationwide offers discounts including defensive driving, multi-policy, easy pay, anti-theft, accident-free, family plan, and good student.
• Farmers Insurance may have discounts that include electronic funds transfer, early shopping, switch companies, business and professional, and youthful driver.
• Esurance discounts include Pac-12 alumni, online shopper, good driver, multi-policy, multi-car, emergency road assistance, and good student.
• State Farm may offer discounts for passive restraint, multiple autos, student away at school, multiple policy, good student, accident-free, and Steer Clear safe driver discount.
• Progressive includes discounts for homeowner, multi-vehicle, good student, continuous coverage, multi-policy, online quote discount, and online signing.
• Mercury Insurance offers premium reductions for annual mileage, multi-car, good student, professional/association, multi-policy, and anti-theft.

Before purchasing a policy, check with each company which discounts you qualify for. Depending on the company, some discounts may not apply in your area. To view auto insurance companies that offer multiple discounts, click this link.

Insurance coverage can be complex

When choosing the right insurance coverage for your vehicles, there really is no best way to insure your cars. Each situation is unique and a cookie cutter policy won’t apply. These are some specific questions might help in determining if you would benefit from professional advice.

• How much can I save by bundling my policies?
• Do I have coverage when pulling a U-Haul trailer?
• Will I be non-renewed for getting a DUI or other conviction?
• Who is covered by my policy?
• Does coverage extend to Mexico or Canada?
• Will filing a claim cost me more?
• Am I covered when using my vehicle for business?
• Should I waive the damage coverage when renting a car?

If you don’t know the answers to these questions but one or more may apply to you then you might want to talk to an insurance agent. If you don’t have a local agent, complete this form or go to this page to view a list of companies. It’s fast, doesn’t cost anything and can provide invaluable advice.

Car insurance coverage specifics

Having a good grasp of a car insurance policy helps when choosing the right coverages and proper limits and deductibles. Car insurance terms can be difficult to understand and coverage can change by endorsement. Below you’ll find typical coverages available from car insurance companies.

Uninsured or underinsured coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when the “other guys” are uninsured or don’t have enough coverage. Covered claims include medical payments for you and your occupants and also any damage incurred to your Oldsmobile Eighty-Eight Royale.

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 should not be overlooked.

Collision coverage

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

Collision coverage protects against things such as hitting a mailbox, crashing into a ditch and scraping a guard rail. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are older. You can also increase the deductible to get cheaper collision coverage.

Coverage for liability

This coverage can cover damage that occurs to other people or property in an accident. This insurance protects YOU against other people’s claims. Liability doesn’t cover damage to your own property or vehicle.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have values of 100/300/100 which means $100,000 bodily injury coverage, a per accident bodily injury limit of $300,000, and a limit of $100,000 paid for damaged property.

Liability coverage protects against things such as loss of income, court costs, bail bonds, structural damage and medical services. The amount of liability coverage you purchase is a personal decision, but consider buying as much as you can afford.

Medical expense coverage

Personal Injury Protection (PIP) and medical payments coverage reimburse you for bills for things like prosthetic devices, doctor visits, X-ray expenses, pain medications and hospital visits. They are often used to cover expenses not covered by your health insurance program or if there is no health insurance coverage. They cover you and your occupants as well as any family member struck as a pedestrian. Personal Injury Protection is not an option in every state but can be used in place of medical payments coverage

Comprehensive protection

Comprehensive insurance coverage pays for damage from a wide range of events other than collision. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things such as damage from a tornado or hurricane, damage from getting keyed, hitting a deer, hitting a bird and a tree branch falling on your vehicle. The highest amount a car insurance company will pay at claim time is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

A penny saved is a penny earned

Affordable 1991 Oldsmobile Eighty-Eight Royale insurance is attainable both online in addition to local insurance agencies, and you need to price shop both so you have a total pricing picture. Some companies do not offer the ability to get a quote online and these small insurance companies only sell through independent insurance agencies.

When shopping online for insurance, do not buy lower coverage limits just to save a few bucks. There are too many instances where consumers will sacrifice physical damage coverage and discovered at claim time that saving that couple of dollars actually costed them tens of thousands. Your goal should be to find the BEST coverage at the lowest possible cost, but do not skimp to save money.

We covered some good ideas how you can save on 1991 Oldsmobile Eighty-Eight Royale insurance. It’s most important to understand that the more quotes you get, the higher your chance of finding inexpensive auto insurance. You may even discover the most savings is with the least-expected company. These companies may cover specific market segments cheaper as compared to the big name companies such as Allstate, Geico and Progressive.

Additional articles

• State Laws for Cellphones and Texting (iihs.org)
• Property Damage Coverage (Liberty Mutual)
• Car Insurance FAQ (Trusted Choice)
• Drunk Driving Statistics (Insurance Information Insitute)
• Teen Driving Statistics (Geico)
• What Does No-Fault Insurance Cover? (Allstate)