How Much Does 1995 Oldsmobile Eighty-Eight Royale Car Insurance Cost?

No normal person likes paying for insurance coverage, especially when they know the cost is too high.

There are many insurers to buy insurance from, and though it is a good thing to have a choice, too many choices makes it more difficult to find the best rates.

Shopping for the lowest cost protection is easy if you know what you’re doing. Just about everyone who carries insurance coverage will be able to cut their insurance bill. But car owners do need to understand the methods companies use to determine prices.

The best way to compare car insurance company rates takes advantage of the fact most of the bigger providers actually pay money for the chance to compare their rates. All consumers are required to do is give them rating details such as whether or not you need a SR-22, if the car is leased, how your vehicles are used, and whether you have decent credit. That rating data is automatically sent to multiple companies and you receive quotes very quickly.

Discounts for lower-cost auto insurance rates

Auto insurance is easily one of your largest bills, but you may be missing some discounts that you may not know about. Some discounts apply automatically at quote time, but lesser-known reductions have to be inquired about before they will apply.

  • Braking Control Discount – Cars with ABS braking systems or traction control are much safer to drive and the ABS can save up to 10%.
  • Discount for Life Insurance – Auto insurance companies who offer life insurance give a discount if you purchase life insurance from them.
  • Sign Early and Save – A few larger companies offer discounts for signing up prior to your current policy expiration. You could save around 10% when you buy insurance coverage online.
  • Payment Discounts – If paying your policy premium upfront rather than spreading payments over time you can actually save on your bill.
  • Online Discount – A few larger online companies will provide an incentive for buying your policy over the internet.
  • College Student – Older children who are enrolled in higher education away from home and do not have a car could qualify for this discount.
  • No Claim Discounts – Claim-free drivers can earn big discounts in comparison to insureds who have frequent claims or accidents.
  • Low Miles Discount – Low annual miles could earn substantially lower auto insurancerates.
  • Telematics Devices – People who choose to allow their auto insurance company to study when and where they use their vehicle by installing a telematics device such as Snapshot from Progressive or Drivewise from Allstate may get a rate reduction if they show good driving skills.
  • Employee of Federal Government – Having worked for a branch of the government may qualify for a discount when you quote insurance coverage on Eighty-Eight Royale coverage but check with your company.

Just know that some credits don’t apply to the entire policy premium. The majority will only reduce the cost of specific coverages such as collision or personal injury protection. So when the math indicates all the discounts add up to a free policy, you won’t be that lucky.

Some companies that may offer policyholders many of the previously listed discounts may include but are not limited to:

Before purchasing a policy, check with all companies you are considering the best way to save money. All car insurance discounts may not apply in every state. To find insurers with discount rates, follow this link.

You may need specialized insurance coverage

When it comes to choosing the right insurance coverage for your personal vehicles, there is no perfect coverage plan. Coverage needs to be tailored to your specific needs so your insurance needs to address that. For example, these questions can aid in determining if your situation might need an agent’s assistance.

  • Is my dog or cat covered if injured in an accident?
  • When does my teenage driver need to be added to my policy?
  • How can I find cheaper teen driver insurance?
  • Is my business laptop covered if it gets stolen from my vehicle?
  • Do I need PIP coverage since I have good health insurance?
  • Should I buy more coverage than the required minimum liability coverage?

If it’s difficult to answer those questions, you may need to chat with a licensed insurance agent. To find an agent in your area, take a second and complete this form or you can go here for a list of companies in your area.

Insurance coverages 101

Learning about specific coverages of your insurance policy can be of help when determining the right coverages and proper limits and deductibles. The terms used in a policy can be ambiguous and even agents have difficulty translating policy wording. These are typical coverage types found on most insurance policies.

Comprehensive coverages

Comprehensive insurance pays for damage OTHER than collision with another vehicle or object. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims such as a broken windshield, theft, a tree branch falling on your vehicle, hail damage and vandalism. The most a insurance company will pay at claim time is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Auto collision coverage

This will pay to fix damage to your Eighty-Eight Royale from colliding with an object or car. A deductible applies then your collision coverage will kick in.

Collision coverage protects against claims such as sideswiping another vehicle, driving through your garage door, hitting a parking meter and hitting a mailbox. This coverage can be expensive, so consider dropping it from vehicles that are 8 years or older. It’s also possible to increase the deductible to save money on collision insurance.

Coverage for medical payments

Personal Injury Protection (PIP) and medical payments coverage reimburse you for expenses such as pain medications, prosthetic devices, X-ray expenses, chiropractic care and surgery. They are often utilized in addition to your health insurance program or if you lack health insurance entirely. Coverage applies to both the driver and occupants and also covers getting struck while a pedestrian. Personal injury protection coverage is not available in all states but can be used in place of medical payments coverage

Liability coverages

Liability insurance protects you from damages or injuries you inflict on people or other property in an accident. This coverage protects you from legal claims by others, and doesn’t cover damage sustained by your vehicle in 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. Your policy might show limits of 100/300/100 which stand for $100,000 in coverage for each person’s injuries, a total of $300,000 of bodily injury coverage per accident, and a total limit of $100,000 for damage to vehicles and property. Occasionally you may see one number which is a combined single limit which provides one coverage limit without having the split limit caps.

Liability can pay for things such as legal defense fees, structural damage, repair costs for stationary objects, medical expenses and pain and suffering. How much coverage you buy is a decision to put some thought into, but consider buying as high a limit as you can afford.

Uninsured and underinsured coverage

This gives you protection when the “other guys” either are underinsured or have no liability coverage at all. Covered claims include hospital bills for your injuries and also any damage incurred to your Oldsmobile Eighty-Eight Royale.

Since many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is important protection for you and your family. Most of the time the UM/UIM limits do not exceed the liability coverage limits.