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Oldsmobile Eighty-Eight Royale Insurance Rates

Drivers have lots of options when trying to insure your Oldsmobile vehicle. You can buy from a local agent or go online to compare rates from multiple insurance companies. Finding cheaper auto insurance on the web can be fast and easy, plus you might just save a little.

If you are a novice to online auto insurance shopping, you may be overwhelmed by the hoards of online auto insurance companies and websites vying for your business. Finding a lower price on Eighty-Eight Royale insurance isn't really that difficult. You just have to take a little time to get quotes provided by online insurance companies. It is quite easy and can be accomplished by comparing rates here.

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Auto insurance rates for your Oldsmobile Eighty-Eight Royale can be significantly different depending on several factors. Including but not limited to:

  • Higher performance Eighty-Eight Royale vehicles cost more
  • How many accidents you have had
  • Home/auto policy bundles save money
  • Pleasure, commuting or business use can affect rates
  • Young drivers cost more
  • Whether you are married
  • Add-on coverages such as rental reimbursement
  • Claims drive up premiums
  • Maintaining coverage lowers rates
  • Home ownership saves money

A final factor which can affect Eighty-Eight Royale insurance rates is the model year. Newer models have a higher actual cash value in comparison to later models so the cost to replace them may end up costing you more. But more recent Oldsmobile vehicles may have a trim level with safety features including adaptive cruise control, sideview assist mirrors, and tire pressure monitors that may help lower rates.

To get more specific information about how much rates will be for your vehicle, select the year of your Eighty-Eight Royale from the list below.

Liability car insurance

This coverage will cover damage or injury you incur to other's property or people that is your fault. Liability coverage protects against claims like pain and suffering, repair costs for stationary objects, and legal defense fees. Coverage is generally pretty cheap so consider buying as large an amount as possible.

Collision coverage

This will pay to fix damage to your Oldsmobile resulting from colliding with a stationary object or other vehicle. You first must pay a deductible then your collision coverage will kick in. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are older. You can also bump up the deductible to save money on collision insurance.

Comprehensive auto insurance

Comprehensive insurance coverage pays for damage from a wide range of events other than collision. A deductible will apply and the remainder of the damage will be paid by your Oldsmobile Eighty-Eight Royale comprehensive insurance. The highest amount your auto insurance company will pay is the ACV or actual cash value, so if it's not worth much more than your deductible it's not worth carrying full coverage.

Uninsured Motorist or Underinsured Motorist insurance

Uninsured or Underinsured Motorist coverage protects you and your vehicle's occupants when the "other guys" are uninsured or don't have enough coverage. Since a lot of drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages should not be overlooked.

Coverage for medical expenses

Personal Injury Protection (PIP) and medical payments coverage pay for immediate expenses (i.e. EMT expenses, pain medications, and nursing services). They are often utilized in addition to your health insurance policy or if there is no health insurance coverage. Personal Injury Protection is only offered in select states and gives slightly broader coverage than med pay.

How Much are Oldsmobile Eighty-Eight Royale Insurance Rates?