1995 Oldsmobile Eighty-Eight Royale Insurance Rates – 9 Tricks for Cheapest Quotes

Trying to find better insurance rates for your Oldsmobile Eighty-Eight Royale? Having to pay for overpriced Oldsmobile Eighty-Eight Royale insurance can drain your checking account and make it hard to pay other bills. Shopping your coverage around is a great way to reduce premiums and put more money in your pocket. Lots of insurance companies contend for your hard-earned dollar, so it can be very hard to choose a provider and get the best coverage at the lowest price

It’s smart to compare prices quite often since insurance rates change regularly. Even if you got the lowest rates on Eighty-Eight Royale coverage a couple years back the chances are good that you can find a lower rate today. There is a lot of bad information regarding insurance online, so I’m going to show you some solid techniques on how to find cheap insurance.

The easiest way to compare insurance rates in your area is to know the trick most larger insurance companies participate in a system to give free rates quotes. The only thing you need to do is spend a couple of minutes providing details such as types of safety features, if a SR-22 is needed, driver ages, and how much education you have. The rating information is submitted instantly to multiple auto insurance providers and they respond with quotes almost instantly.

To start a rate quote now, click here and complete the form.

Don’t pay full price with these nine discounts

Auto insurance companies don’t always publicize every available discount in an easy-to-find place, so here is a list both the well known and the more hidden ways to save on insurance coverage. If they aren’t giving you every credit possible, you’re just leaving money on the table.

Multiple Policy Discount – If you have multiple policies with the same company you may save approximately 10% to 15%.
No Claims – Good drivers with no accidents can earn big discounts compared to accident-prone drivers.
Payment Method – If you pay your bill all at once instead of making monthly payments you can actually save on your bill.
Drive Safe and Save – Safe drivers can get discounts for up to 45% lower rates on Eighty-Eight Royale coverage than their less cautious counterparts.
Save over 55 – Older drivers may be able to get better insurance coverage rates on Eighty-Eight Royale coverage.
Employee of Federal Government – Simply working for the federal government can save as much as 8% on Eighty-Eight Royale coverage with a few insurance coverage companies.
New Car Discount – Adding a new car to your policy can save up to 30% because new vehicles have to meet stringent safety requirements.
Discount for Swiching Early – Some insurance companies reward drivers for buying a policy prior to your current policy expiring. The savings is around 10%.
Paperless Signup – A handful of insurance companies will give a small break for buying a policy and signing up digitally online.

It’s important to understand that most discount credits are not given to the entire policy premium. Most cut specific coverage prices like comprehensive or collision. So even though it sounds like all the discounts add up to a free policy, insurance coverage companies aren’t that generous.

For a list of providers with the best insurance coverage discounts, follow this link.

Your personal situation dictates your coverage

When choosing coverage for your personal vehicles, there isn’t really a single plan that fits everyone. Everyone’s situation is a little different and your policy should reflect that. For example, these questions can help discover whether you would benefit from an agent’s advice.

Does coverage extend to Mexico or Canada?
Why am I required to get a high-risk car insurance policy?
When can I cancel my policy?
Should I rate my 1995 Oldsmobile Eighty-Eight Royale as pleasure use or commute?
Does car insurance cover theft of personal property?
If I drive on a suspended license am I covered?
Am I covered if I hit my neighbor’s mailbox?
Am I covered when renting a car or should I buy coverage from the car rental agency?
Will my insurance pay for OEM parts?
Does my personal policy cover me when driving out-of-state?

If you’re not sure about those questions then you might want to talk to a licensed agent. If you want to speak to an agent in your area, take a second and complete this form or you can also visit this page to select a carrier It is quick, free and can help protect your family.

Insurance coverage specifics

Knowing the specifics of your insurance policy can help you determine the right coverages for your vehicles. The terms used in a policy can be confusing and nobody wants to actually read their policy. These are typical coverages available from insurance companies.

Auto collision coverage

Collision coverage pays for damage to your Eighty-Eight Royale from colliding with another car or object. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage protects against things such as hitting a parking meter, crashing into a ditch and backing into a parked car. This coverage can be expensive, so analyze the benefit of dropping coverage from lower value vehicles. Drivers also have the option to choose a higher deductible in order to get cheaper collision rates.

Uninsured and underinsured coverage

Your UM/UIM coverage protects you and your vehicle’s occupants when the “other guys” either have no liability insurance or not enough. This coverage pays for injuries sustained by your vehicle’s occupants and also any damage incurred to your Oldsmobile Eighty-Eight Royale.

Since many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is important protection for you and your family.

Comprehensive coverages

Comprehensive insurance coverage will pay to fix damage that is not covered by collision coverage. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things like fire damage, a tree branch falling on your vehicle, hitting a deer and vandalism. The maximum amount you can receive from a comprehensive claim is the market value of your vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Coverage for medical payments

Medical payments and Personal Injury Protection insurance reimburse you for immediate expenses for things like hospital visits, chiropractic care and X-ray expenses. They are used to fill the gap from your health insurance program or if you do not have health coverage. Medical payments and PIP cover both the driver and occupants and also covers any family member struck as a pedestrian. Personal injury protection coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Auto liability insurance

This coverage will cover damages or injuries you inflict on a person or their property by causing 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. You might see values of 25/50/25 that means you have $25,000 in coverage for each person’s injuries, a total of $50,000 of bodily injury coverage per accident, and $25,000 of coverage for damaged propery.

Liability coverage pays for things such as bail bonds, repair costs for stationary objects, medical expenses and emergency aid. The amount of liability coverage you purchase is your choice, but buy as high a limit as you can afford.