1993 Oldsmobile Eighty-Eight Royale Car Insurance Quotes – 8 Ideas for Cheapest Rates

Finding the cheapest insurance for an Oldsmobile Eighty-Eight Royale can normally be an all-consuming task, but you can follow our auto insurance buying tips to find lower rates.

There is a right way and a wrong way to compare auto insurance rates and we’ll show you the quickest way to price shop coverage for your Oldsmobile and get the cheapest rates.

You should make it a habit to compare prices once or twice a year because prices change frequently. If you had the lowest rate on Eighty-Eight Royale coverage a few years ago there may be better deals available now. There are lots of tips to save on auto insurance on the internet, but I’m going to show you some of the best techniques to save money.

If you have insurance now or are just looking to switch companies, you can learn to reduce the price you pay and still get good coverage. Locating affordable coverage can be fairly easy. Consumers only need an understanding of the proper way to get comparison quotes over the internet.

How to buy insurance online

Most major insurance companies such as State Farm, Allstate and Geico provide price estimates online. Comparing prices online is fairly straightforward because it’s just a matter of typing in your required coverages into the quote form. After you complete the form, the system automatically orders your credit score and driving record and gives you a price quote determined by many factors.

Being able to quote online helps simplify price comparisons, but having to visit each company’s website and repetitively enter the same data into a form can get tiresome after awhile. But it’s also necessary to have as many quotes as possible if you are searching for lower prices.

There is a better way!

An easier way to lower your insurance bill utilizes a single form that obtains quotes from several different companies. It saves time, eliminates form submissions, and makes rate comparisons much more efficient. Immediately after you send the form, it gets priced and you can choose any of the resulting price quotes.

If a lower price is quoted, you simply finish the application and buy the new coverage. The entire process takes less than 15 minutes and you’ll know if lower rates are available.

To find out how much you can save on insurance, click here and enter your information. To compare your current rates, we recommend you replicate the limits and deductibles identical to your current policy. Doing this assures you are getting an apples-to-apples comparison based on identical coverages.

Save $430 a year? Really?

Consumers can’t escape the ads that claim the best car insurance rates from the likes of State Farm, Allstate and Geico. All the ads state the claim that people will save just by moving your coverage to them.

Is it even possible that every company can charge you less for car insurance?

Insurance coverage companies provide the lowest rates for the type of driver that will add to their bottom line. One example of this type of insured might have to be between 30 and 50, insures multiple vehicles, and has great credit. Anyone that matches those criteria will get the preferred rates as well as save quite a bit of money when switching.

Consumers who fall short of these criteria will be charged a higher premium which usually ends up with the customer not purchasing. The wording the ads use say “drivers who switch” not “everyone who quotes” save that much money. That’s why companies can advertise the way they do.

Each company has different criteria, so you really should compare free insurance quotes often. Because without a comparison, you cannot know with any certainty which company will give you lower premium rates than your current company.

Double check you’re getting these eight money-saving discounts

Insuring your fleet can be pricey, but there’s a good chance there are discounts that you may not know about. A few discounts will be applied when you purchase, but a few need to be inquired about prior to getting the savings.

• Discount for Life Insurance – If the company offers life insurance, you could get a discounted premium rate on car insurance if you buy some life insurance too.
• No Accidents – Good drivers with no accidents pay less as opposed to frequent claim filers.
• Multiple Cars – Insuring several vehicles on a single policy can get a discount for every vehicle.
• Theft Deterent System – Vehicles that have factory alarm systems and tracking devices help deter theft so companies will give you a small discount.
• Online Discount – A handful of larger companies will provide an incentive for buying a policy and signing up over the internet.
• Accident Waiver – This one isn’t a discount, but companies like Progressive, Allstate, and Geico allow you one accident before hitting you with a surcharge so long as you haven’t had any claims for a specific time period.
• Resident Student – who live away from home to go to college and do not have a car could qualify for this discount.
• Save over 55 – Drivers over the age of 55 can possibly qualify for a discount up to 10% on Eighty-Eight Royale coverage.

Keep in mind that many deductions do not apply to the overall cost of the policy. Most only reduce the price of certain insurance coverages like comprehensive or collision. Just because you may think you could get a free insurance policy, it just doesn’t work that way. Any amount of discount should help reduce your overall premium however.

Larger insurance companies and the discounts they provide are detailed below.

• 21st Century offers discounts for automatic seat belts, defensive driver, student driver, teen driver, anti-lock brakes, air bags, and driver training.
• Progressive policyholders can earn discounts including good student, homeowner, online quote discount, online signing, multi-policy, continuous coverage, and multi-vehicle.
• State Farm may include discounts for anti-theft, driver’s education, good student, student away at school, and passive restraint.
• Nationwide offers discounts including multi-policy, defensive driving, business or organization, anti-theft, Farm Bureau membership, accident-free, and family plan.
• Esurance includes discounts for anti-lock brakes, multi-policy, emergency road assistance, online shopper, and homeowner.
• The Hartford has discounts for bundle, vehicle fuel type, driver training, air bag, anti-theft, defensive driver, and good student.

When comparing rates, check with each insurance company which discounts can lower your rates. Some of the earlier mentioned discounts may not apply in your area. If you would like to see a list of insurance companies offering insurance discounts, click here to view.

Do I need special coverages?

When buying the right insurance coverage, there isn’t really a single plan that fits everyone. Everyone’s situation is unique.

For instance, these questions could help you determine whether or not you might need professional guidance.

• Do I have newly-aquired coverage?
• Does my personal policy cover me when driving out-of-state?
• Does insurance cover tools stolen from my truck?
• Am I covered by my spouse’s policy after a separation?
• Does my policy cover my teen driver if they drive my company car?
• How much liability do I need to cover my assets?
• Does my policy pay for OEM or aftermarket parts?

If you don’t know the answers to these questions but you know they apply to you, then you may want to think about talking to an insurance agent. To find lower rates from a local agent, complete this form. It’s fast, doesn’t cost anything and can help protect your family.

Car insurance coverage specifics

Learning about specific coverages of your car insurance policy aids in choosing appropriate coverage and proper limits and deductibles. The terms used in a policy can be confusing and coverage can change by endorsement.

Coverage for medical expenses

Personal Injury Protection (PIP) and medical payments coverage pay for short-term medical expenses like surgery, ambulance fees, rehabilitation expenses, X-ray expenses and hospital visits. The coverages can be used in conjunction with a health insurance program or if there is no health insurance coverage. Coverage applies to you and your occupants and also covers any family member struck as a pedestrian. PIP is only offered in select states and gives slightly broader coverage than med pay

Collision insurance

This will pay to fix damage to your Eighty-Eight Royale 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 things such as hitting a parking meter, rolling your car, colliding with a tree and crashing into a building. This coverage can be expensive, so consider removing coverage from vehicles that are 8 years or older. Another option is to bump up the deductible to save money on collision insurance.

Liability

This coverage protects you from damage or injury you incur to a person or their property by causing an accident. Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. Your policy might show values of 25/50/25 which means $25,000 bodily injury coverage, a limit of $50,000 in injury protection per accident, and $25,000 of coverage for damaged propery. Occasionally you may see a combined limit which combines the three limits into one amount with no separate limits for injury or property damage.

Liability coverage protects against claims such as repair costs for stationary objects, legal defense fees, court costs, repair bills for other people’s vehicles and bail bonds. How much liability should you purchase? That is your choice, but consider buying higher limits if possible.

Comprehensive car insurance

This coverage pays for damage that is not covered by collision coverage. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage pays for things such as hail damage, fire damage, damage from flooding, hitting a bird and hitting a deer. The maximum payout you’ll receive from a claim is the market value of your vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Coverage for uninsured or underinsured drivers

This protects you and your vehicle from other motorists when they either have no liability insurance or not enough. This coverage pays for injuries sustained by your vehicle’s occupants and damage to your 1993 Oldsmobile Eighty-Eight Royale.

Because many people only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Frequently the UM/UIM limits are similar to your liability insurance amounts.

Smart consumers save more

As you quote insurance, it’s very important that you do not reduce coverage to reduce premium. There are many occasions where someone dropped physical damage coverage to discover at claim time they didn’t purchase enough coverage. Your goal is to purchase a proper amount of coverage at the best price and still be able to protect your assets.

We covered a lot of information how to get a better price on 1993 Oldsmobile Eighty-Eight Royale insurance. The key thing to remember is the more times you quote, the better your comparison will be. You may be surprised to find that the best car insurance rates are with a lesser-known regional company.

Insureds switch companies for a number of reasons such as delays in responding to claim requests, policy non-renewal, delays in paying claims and even questionable increases in premium. No matter why you want to switch, choosing a new company is less work than it seems.

Additional detailed information is available in the articles below:

• Choosing a Car for Your Teen (State Farm)
• Collision Insurance Coverage (Nationwide)
• Collision Coverage (Liberty Mutual)
• Rental Reimbursement Coverage (Allstate)
• How do I File a Claim? (Insurance Information Insitute)