1994 Oldsmobile Eighty-Eight Royale Insurance Rates – 7 Ways to Save

Trying to find lower car insurance rates? Buyers have a choice when searching for the best price on Oldsmobile Eighty-Eight Royale insurance. You can either spend your time struggling with agents to get rate comparisons or use the internet to make rate comparisons. There is a right way and a wrong way to find car insurance online so we’re going to tell you the best way to compare rates for a new or used Oldsmobile and find the lowest possible price.

You should make it a habit to check car insurance prices once or twice a year since prices are variable and change quite frequently. Just because you had the best deal on Eighty-Eight Royale insurance on your last policy you may be paying too much now. Block out anything you think you know about car insurance because I’m going to let you in on the secrets to how to quote online to find the best coverage while lowering your premiums.

If you are insured now or need a new policy, you can use these tips to cut your premiums and still get good coverage. The purpose of this article is to introduce you to how to effectively get price quotes. Drivers only need an understanding of the proper methods to shop their coverage around online.

How to compare auto insurance quotes

Getting cheap 1994 Oldsmobile Eighty-Eight Royale auto insurance pricing is actually quite simple. You just need to take time comparing price quotes to find out which insurance company has cheap auto insurance quotes. You can get a good selection of rate quotes in several different ways.

The easiest and least time consuming way to find the lowest comparison rates is a comparison rater form (click to open form in new window). This easy form eliminates the need for separate quotes for every auto insurance company. Completing one form gets insurance cost estimates from several companies. It’s the fastest way to compare.

A harder way to get comparison quotes requires a visit to each individual company website and request a quote. For sake of this example, we’ll pretend you want comparison quotes from Progressive, State Farm and Liberty Mutual. You would be required to visit each site and repeatedly enter your information, which is why the first method is more popular.

For a handy list of car insurance company links in your area, click here.

The least recommended method to compare rates is making phone calls or going to different agent offices. The ability to buy insurance online makes this unnecessary unless you require the professional advice of an agent trained in personal lines coverage. It is possible to obtain prices from the web and still use a local agent.

It doesn’t matter which method you choose, just do your best to use apples-to-apples deductibles and coverage limits for every company. If you enter different liability limits you will not be able to determine which company has the best rates.

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Get cheaper rates by taking advantage of these seven discounts

Not too many consumers would say insurance is affordable, but discounts can save money and there are some available that can help lower your rates. Certain discounts will be triggered automatically at the time of purchase, but a few must be specially asked for before being credited.

• Theft Prevention Discount – Cars and trucks that have factory anti-theft systems are stolen less frequently and therefore earn up to a 10% discount.
• Payment Discounts – By paying your entire bill at once rather than paying in monthly installments you can avoid the installment charge.
• Safety Restraint Discount – Drivers who require all vehicle occupants to fasten their seat belts can save up to 10 percent (depending on the company) off the medical payments premium.
• Drive Safe and Save – Accident-free drivers can save up to 40% or more on their auto insurance quote on Eighty-Eight Royale insurance than drivers with accidents.
• Safety Course Discount – Passing a class that teaches safe driver techniques can save you 5% or more and also improve your driving technique.
• Fewer Miles Equal More Savings – Low mileage vehicles could earn better insurancerates on cars that stay parked.
• Driver’s Education for Students – Teen drivers should participate in a local driver’s education class in school or through a local driver safety program.

Discounts lower rates, but most discounts do not apply to the entire cost. Most only reduce individual premiums such as collision or personal injury protection. So even though you would think it’s possible to get free car insurance, insurance companies wouldn’t stay in business.

The best insurance companies and some of the discounts can be found below.

• Progressive offers premium reductions for online quote discount, multi-policy, multi-vehicle, homeowner, and online signing.
• AAA has discounts for multi-policy, pay-in-full, good driver, AAA membership discount, and good student.
• Farmers Insurance discounts include alternative fuel, bundle discounts, business and professional, early shopping, youthful driver, mature driver, and teen driver.
• Geico may have discounts that include anti-lock brakes, five-year accident-free, multi-policy, anti-theft, air bags, and membership and employees.
• Esurance includes discounts for online quote, online shopper, emergency road assistance, good student, multi-car, and anti-theft.
• SAFECO offers discounts including safe driver, teen safe driver, bundle discounts, anti-theft, multi-car, and teen safety rewards.
• State Farm has savings for defensive driving training, multiple policy, Steer Clear safe driver discount, multiple autos, good driver, and safe vehicle.

If you are trying to find cheaper auto insurance quotes, ask each company what discounts are available to you. Discounts might not be offered in every state.

How much insurance coverage do I need?

When choosing proper insurance coverage for your personal vehicles, there really is not a best way to insure your cars. Every situation is different.

For example, these questions can aid in determining if you will benefit from professional help.

• Are my friends covered when driving my 1994 Oldsmobile Eighty-Eight Royale?
• Am I covered by my spouse’s policy after a separation?
• Can I still get insurance after a DUI?
• Can I rate high risk drivers on liability-only vehicles?
• Do I need replacement cost coverage on my 1994 Oldsmobile Eighty-Eight Royale?
• Can I afford to pay high deductible claims out of pocket?

If you’re not sure about those questions but a few of them apply, you may need to chat with an agent. To find lower rates from a local agent, simply complete this short form. It only takes a few minutes and may give you better protection.

Specific coverage details

Knowing the specifics of car insurance helps when choosing which coverages you need and the correct deductibles and limits. Car insurance terms can be difficult to understand and coverage can change by endorsement.

Liability car insurance – This can cover damage or injury you incur to other people or property. It protects you from legal claims by others. It does not cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see policy limits of 25/50/25 that means you have $25,000 bodily injury coverage, a total of $50,000 of bodily injury coverage per accident, and $25,000 of coverage for damaged propery.

Liability insurance covers things such as medical services, funeral expenses, medical expenses, attorney fees and bail bonds. How much coverage you buy is a personal decision, but it’s cheap coverage so purchase as high a limit as you can afford.

Comprehensive coverages – This will pay to fix damage OTHER than collision with another vehicle or object. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things such as fire damage, vandalism, damage from a tornado or hurricane and hitting a bird. The highest amount your car insurance company will pay is the actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Uninsured and underinsured coverage – Uninsured or Underinsured Motorist coverage provides protection when the “other guys” either have no liability insurance or not enough. Covered losses include hospital bills for your injuries and also any damage incurred to your 1994 Oldsmobile Eighty-Eight Royale.

Because many people only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Coverage for medical payments – Med pay and PIP coverage reimburse you for short-term medical expenses such as rehabilitation expenses, ambulance fees, pain medications and nursing services. They are often used to cover expenses not covered by your health insurance plan or if you are not covered by health insurance. Medical payments and PIP cover not only the driver but also the vehicle occupants and will also cover getting struck while a pedestrian. PIP coverage is not available in all states and gives slightly broader coverage than med pay

Collision coverage – Collision coverage pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage protects against things like driving through your garage door, colliding with another moving vehicle, sustaining damage from a pot hole, rolling your car and damaging your car on a curb. Collision coverage makes up a good portion of your premium, 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.

Smart shoppers get results

In this article, we covered a lot of ways to shop for 1994 Oldsmobile Eighty-Eight Royale insurance online. The key concept to understand is the more rate quotes you have, the better chance you’ll have of finding affordable auto insurance. You may be surprised to find that the best price on car insurance is with an unexpected company.

Lower-priced 1994 Oldsmobile Eighty-Eight Royale insurance can be found on the web and also from your neighborhood agents, so you need to shop auto insurance with both to have the best selection. Some insurance providers may not provide internet price quotes and most of the time these smaller providers sell through independent insurance agencies.

When getting auto insurance quotes online, make sure you don’t skimp on critical coverages to save a buck or two. Too many times, someone sacrificed liability limits or collision coverage only to discover later that a couple dollars of savings turned into a financial nightmare. The proper strategy is to find the BEST coverage for the lowest cost while still protecting your assets.

Helpful learning opportunities

• Event Data Recorders FAQ (iihs.org)
• Frontal Crash Tests (iihs.org)
• Vehicle Insurance in the U.S. (Wikipedia)
• A Tree Fell on Your Car: Now What? (Allstate)

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