View 1991 Oldsmobile Eighty-Eight Royale Insurance Cost

Trying to find cheaper insurance rates for your Oldsmobile Eighty-Eight Royale? Consumers who are new to the process of shopping for insurance online will find purchasing cheap insurance is not as easy as it seems.

Where Can I Get Cheap Insurance?

There are several ways to compare rate quotes and find the best price. The simplest method to find competitive 1991 Oldsmobile Eighty-Eight Royale insurance rates consists of obtaining rate quotes online. It is quite easy and can be accomplished in just a few minutes using one of these methods.

The recommended way consumers can make multiple comparisons is to use a rate comparison form click here to open form in new window. This method saves time by eliminating a different quote to each individual insurance company. A single, simple form compares rates from multiple low-cost companies.It’s the quickest way to get rates.
A less efficient way to compare rate quotes is spending the time to visit the website for every company you want to comare to request a price quote. For sake of this example, we’ll assume you want comparison quotes from Nationwide, 21st Century and GMAC. To find out each rate you need to take the time to go to each site and enter your information, and that’s why the first method is more popular.
For a list of links to insurance companies in your area, click here.

Whichever way you use, make absolute certain that you use the exact same coverage information for each price quote. If you use higher or lower deductibles you will not be able to make a fair comparison for your Oldsmobile Eighty-Eight Royale. Having just a slight variation in coverage limits can result in a big premium difference. Just remember that comparing a large number of companies will increase your chances of finding lower pricing.

Are you getting all your discounts?

Companies don’t list all available discounts in a way that’s easy to find, so we took the time to find both the well known and the harder-to-find ways to save on auto insurance.

Accident Free – Drivers who don’t have accidents pay much less as compared to bad drivers.
Distant Student – Youth drivers who attend school more than 100 miles from home and do not have a car can receive lower rates.
Homeowners Savings – Owning a house may trigger a auto insurance policy discount due to the fact that maintaining a home demonstrates responsibility.
Paperwork-free – A few companies will discount your bill up to fifty bucks just for signing your application digitally online.
Club Memberships – Being a member of a qualifying organization could trigger savings on auto insurance on Eighty-Eight Royale insurance.
Accident Waiver – Certain companies will forgive one accident without raising rates as long as you don’t have any claims for a set time period.
Anti-theft Discount – Vehicles equipped with anti-theft or alarm systems prevent vehicle theft and therefore earn up to a 10% discount.
Safe Drivers – Insureds without accidents can get discounts for up to 45% lower rates on Eighty-Eight Royale insurance than drivers with accidents.
Passive Restraints – Factory air bags can get savings of 20% or more.
Seat Belts Save – Using a seat belt and requiring all passengers to buckle their seat belts can save 10% or more off your PIP or medical payments premium.

Keep in mind that some of the credits will not apply the the whole policy. Most only cut specific coverage prices like comprehensive or collision. Just because you may think adding up those discounts means a free policy, auto insurance companies aren’t that generous.

For a list of insurers with the best auto insurance discounts, click this link.

When might I need an agent?

When it comes to buying proper insurance coverage, there is no cookie cutter policy. Everyone’s needs are different.

Here are some questions about coverages that can help discover whether or not you will benefit from professional help.

How can I get high-risk coverage after a DUI?
Why am I required to buy high-risk coverage?
Will I be non-renewed for getting a DUI or other conviction?
Are rock chip repairs covered?
Should I buy full coverage?
Is a blown tire covered by insurance?

If it’s difficult to answer those questions, you might consider talking to an agent. To find an agent in your area, simply complete this short form.

Car insurance coverages explained

Learning about specific coverages of your policy aids in choosing which coverages you need at the best deductibles and correct limits. Policy terminology can be ambiguous and even agents have difficulty translating policy wording.

Med pay and Personal Injury Protection (PIP)

Medical payments and Personal Injury Protection insurance kick in for expenses for things like doctor visits, funeral costs, ambulance fees and surgery. They are often used in conjunction with a health insurance policy or if you do not have health coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants as well as any family member struck as a pedestrian. PIP coverage is not an option in every state and gives slightly broader coverage than med pay

Coverage for collisions

This coverage covers 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 pays for things such as rolling your car, driving through your garage door, colliding with another moving vehicle and backing into a parked car. This coverage can be expensive, so you might think about dropping it from vehicles that are 8 years or older. Another option is to increase the deductible to get cheaper collision coverage.

Comprehensive insurance

Comprehensive insurance coverage covers damage that is not covered by collision coverage. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive can pay for claims such as theft, damage from a tornado or hurricane, falling objects, a tree branch falling on your vehicle and damage from getting keyed. The highest amount your car insurance company will pay is the actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Uninsured/Underinsured Motorist (UM/UIM)

Uninsured or Underinsured Motorist coverage gives you protection when other motorists either are underinsured or have no liability coverage at all. Covered losses include injuries to you and your family as well as your vehicle’s damage.

Since a lot of drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Auto liability insurance

Liability insurance can cover damage or injury you incur to people or other property. This coverage protects you against claims from other people, and does not provide coverage for damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. Your policy might show limits of 100/300/100 that translate to a $100,000 limit per person for injuries, a per accident bodily injury limit of $300,000, and property damage coverage for $100,000.

Liability coverage protects against claims like loss of income, legal defense fees and bail bonds. How much liability should you purchase? That is a decision to put some thought into, but you should buy higher limits if possible.