Want better insurance rates for your Oldsmobile Eighty-Eight Royale? Expensive insurance can overdraw your checking account, especially in this economy. Comparing price quotes is free, only takes a few minutes, and is a good way to tighten up your finances.
Many insurers compete for your hard-earned dollar, and it can be difficult to compare rates to get the best rate
There are several ways to compare quotes and find the best price. The best method to find the cheapest 1993 Oldsmobile Eighty-Eight Royale insurance rates consists of shopping online. It is quite easy and can be accomplished using a couple different methods.
Probably the best way to get the best comparison quotes is a comparison rater form like this one (opens in new window). This type of form keeps you from doing separate quotation requests for each company you want a rate for. Filling out one form gets you price quotes from multiple low-cost companies.
A harder way to shop for insurance coverage online requires a visit to each company website to complete their respective quote request forms. For sake of this example, let’s assume you want to compare rates from Allstate, Progressive and Liberty Mutual. To get each rate you have to spend time on each company’s site and enter your policy data, and that’s why the first method is more popular.
To view a list of companies in your area, click here.
Which method you use is up to you, but make absolute certain that you use identical deductibles and coverage limits with each company. If you are comparing higher or lower deductibles it’s not possible to make an equal comparison. Having just a slight variation in coverages may cause a big price difference. And when comparison shopping, having more price comparisons will increase your chances of finding a better price.
Car insurance companies do not advertise every available discount very well, so we break down both the well known and also the lesser-known ways to save on auto insurance.
A little note about advertised discounts, most credits do not apply the the whole policy. The majority will only reduce the cost of specific coverages such as medical payments or collision. So even though it sounds like you would end up receiving a 100% discount, companies don’t profit that way.
A partial list of companies that may have these benefits are:
It’s a good idea to ask every prospective company which discounts they offer. Savings may not be available in your area.
When it comes to buying coverage, there really is no best way to insure your cars. Everyone’s needs are different so your insurance needs to address that. Here are some questions about coverages that could help you determine whether or not you would benefit from an agent’s advice.
If it’s difficult to answer those questions then you might want to talk to a licensed insurance agent. If you want to speak to 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.
Knowing the specifics of your insurance policy can help you determine which coverages you need and the correct deductibles and limits. The coverage terms in a policy can be impossible to understand and nobody wants to actually read their policy. These are typical coverages available from insurance companies.
Coverage for medical payments – Med pay and PIP coverage provide coverage for immediate expenses for things like doctor visits, surgery and pain medications. The coverages can be used to fill the gap from your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover both the driver and occupants and also covers if you are hit as a while walking down the street. PIP is not universally available but can be used in place of medical payments coverage
Comprehensive coverages – This pays for damage OTHER than collision with another vehicle or object. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.
Comprehensive coverage protects against claims such as hitting a deer, a broken windshield, hail damage, damage from getting keyed and a tree branch falling on your vehicle. The maximum amount you’ll receive from a claim is the cash value of the vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.
Uninsured and underinsured coverage – This gives you protection when other motorists either are underinsured or have no liability coverage at all. Covered losses include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.
Since many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is a good idea.
Liability coverages – Liability coverage can cover injuries or damage you cause to other people or property by causing an accident. This coverage protects you against claims from other people. It does not cover your injuries or vehicle damage.
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 commonly see policy limits of 25/50/25 that translate to $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and a limit of $25,000 paid for damaged property.
Liability insurance covers claims such as medical services, funeral expenses, legal defense fees and attorney fees. How much liability should you purchase? That is your choice, but consider buying as much as you can afford.
Collision – This covers damage to your Eighty-Eight Royale from colliding with an object or car. You first must pay a deductible then the remaining damage will be paid by your insurance company.
Collision coverage protects against things such as sideswiping another vehicle, hitting a mailbox, damaging your car on a curb, crashing into a building and sustaining damage from a pot hole. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are older. Drivers also have the option to choose a higher deductible in order to get cheaper collision rates.