Cheap 1997 Oldsmobile Regency Car Insurance Quotes

Want better auto insurance rates for your Oldsmobile Regency? Scraping up a payment for overpriced Oldsmobile Regency insurance can stress out your monthly budget and force you to make sacrifices.

With consumers having so many companies and agents to choose from, it can be diffult for drivers to pick the right insurer.

Consumers should take time to compare rates on a regular basis due to the fact that insurance rates change quite often. Despite the fact that you may have had the lowest rate on Regency coverage six months ago there may be better deals available now. You’ll find quite a bit of inaccurate information about auto insurance online but we’re going to give you some tested techniques to save money.

Finding affordable protection is quite easy. Just about everyone who buys insurance will be able to cut their insurance bill. But consumers do need to understand how the larger insurance companies price insurance differently because it can help you find the best coverage.

Which car insurance is cheapest?

When shopping for car insurance there are multiple ways to compare rate quotes from local car insurance companies. The quickest method to compare rates is to jump online and get quotes. This is very easy and can be done by using one of the methods below.

  1. Probably the best way consumers can make multiple comparisons is a comparison rater form click to view form in new window. This type of form saves time by eliminating a different quote for each company you want a rate for. One form submission gets prices estimates from all major companies.
  2. A different way to obtain and compare quotes online consists of visiting the website for each individual company and go through the quote process again. For examples sake, let’s assume you want to compare USAA, Safeco and Progressive. To get rate quotes you would need to go to each individual site and enter your policy data, which is why most consumers use the first method. For a list of companies in your area, click here.

Compare rates however you want, just make sure you use identical information on every quote you get. If you have different data then you won’t be able to determine which rate is truly the best. Even a minor difference in insurance coverages may result in a large different in cost. Keep in mind that having more price comparisons gives you a better chance of getting better pricing.

Find hidden discounts on car insurance

Some insurance providers do not list the complete list of policy discounts in a way that’s easy to find, so we took the time to find some of the best known as well as the least known discounts that you may qualify for.

  • Save with More Vehicles Insured – Drivers who insure multiple vehicles on one policy may reduce the rate for each vehicle.
  • Payment Method – If you pay your entire premium ahead of time rather than spreading payments over time you may reduce your total bill.
  • Switch and Save Discount – A few companies offer discounts for switching companies prior to the expiration date on your current policy. You could save around 10% when you buy auto insurance online.
  • Home Ownership Discount – Just owning your own home can save you money because maintaining a house shows financial diligence.
  • Student Driver Training – Require your teen driver to participate in a local driver’s education class in school or through a local driver safety program.
  • First Accident Forgiveness – This isn’t a discount exactly, but companies like GEICO, Allstate and Liberty Mutual may permit one accident without the usual rate increase so long as you haven’t had any claims prior to being involved in the accident.
  • Distant Student – who are enrolled in higher education away from home and won’t have access to an insured vehicle could qualify for this discount.

Just know that many deductions do not apply to all coverage premiums. Most only cut specific coverage prices like liability, collision or medical payments. Despite the appearance that adding up those discounts means a free policy, insurance companies wouldn’t stay in business.

Some companies that may offer some of the above discounts include:

It’s a good idea to ask all the companies which discounts they offer. All car insurance discounts may not be available in your state. To choose insurance companies who offer car insurance discounts, click this link.

Tailor your auto insurance coverage to you

When it comes to buying coverage, there really is not a perfect coverage plan. Everyone’s situation is unique so this has to be addressed. Here are some questions about coverages that may help highlight if your situation could use an agent’s help.

  • Will filing a claim cost me more?
  • Does car insurance cover theft of personal property?
  • When do I need to add a new car to my policy?
  • Will I be non-renewed for getting a DUI or other conviction?
  • Do I need motorclub coverage?
  • Do I pay less if my vehicle is kept in my garage?
  • Am I covered if my car is in a flood?
  • What if I total my 1997 Oldsmobile Regency and owe more than it’s worth?

If it’s difficult to answer those questions, then you may want to think about talking to an insurance agent. If you want to speak to an agent in your area, simply complete this short form or go to this page to view a list of companies.

Auto insurance coverages and their meanings

Learning about specific coverages of a auto insurance policy can be of help when determining appropriate coverage and the correct deductibles and limits. The coverage terms in a policy can be confusing and even agents have difficulty translating policy wording. Below you’ll find the usual coverages found on the average auto insurance policy.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This coverage gives you protection from other motorists when they either are underinsured or have no liability coverage at all. It can pay for hospital bills for your injuries and also any damage incurred to your 1997 Oldsmobile Regency.

Because many people only purchase the least amount of liability that is required, their limits can quickly be used up. So UM/UIM coverage is a good idea. Normally these coverages are similar to your liability insurance amounts.

Medical payments and PIP coverage

Med pay and PIP coverage reimburse you for bills such as chiropractic care, X-ray expenses, prosthetic devices, rehabilitation expenses and doctor visits. They are used to cover expenses not covered by your health insurance program or if there is no health insurance coverage. It covers both the driver and occupants in addition to getting struck while a pedestrian. PIP coverage is not universally available but can be used in place of medical payments coverage

Collision coverage

Collision insurance pays for damage to your Regency resulting from a collision with another car or object. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers things like hitting a parking meter, backing into a parked car, scraping a guard rail, sustaining damage from a pot hole and rolling your car. 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 get cheaper collision coverage.

Liability coverages

This provides protection from damage or injury you incur to people or other property in an accident. It protects YOU from claims by other people, and does not provide coverage for your own vehicle damage or injuries.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see values of 100/300/100 that translate to a limit of $100,000 per injured person, a total of $300,000 of bodily injury coverage per accident, and a limit of $100,000 paid for damaged property. Some companies may use one number which is a combined single limit which provides one coverage limit with no separate limits for injury or property damage.

Liability coverage pays for things like legal defense fees, emergency aid and bail bonds. How much coverage you buy is a personal decision, but buy higher limits if possible.

Comprehensive auto coverage

This coverage covers damage that is not covered by collision coverage. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things such as hitting a bird, a broken windshield, falling objects and a tree branch falling on your vehicle. The highest amount you’ll receive from a claim is the ACV or actual cash value, so if the vehicle is not worth much consider dropping full coverage.