1993 Oldsmobile Eighty-Eight Royale Car Insurance Cost – 10 Ways to Save

Looking for better car insurance rates for your Oldsmobile Eighty-Eight Royale? Finding better insurance prices for an Oldsmobile Eighty-Eight Royale can normally be difficult, but you can follow the following methods to save time. There is a right way and a wrong way to shop for car insurance and we’ll show you the best way to get price quotes on a Oldsmobile and get the cheapest rates.

Buying car insurance is easy if you know what you’re doing. If you have insurance now or are shopping for new coverage, you can use these tips to find the best rates while maximizing coverage. Consumers only need an understanding of the tricks to shop their coverage around online.

How to Get Car Insurance Comparison Quotes

Getting a cheaper price on 1993 Oldsmobile Eighty-Eight Royale insurance is a fairly straight forward process. Consumers just need to take a few minutes comparing rates from different insurance companies. This can be accomplished in a couple of different ways.

  1. The recommended way consumers can make multiple comparisons is a comparison rater form click here to open form in new window. This method saves time by eliminating separate quotes for each company you want a rate for. One form submission gets you coverage quotes from all major companies. It’s definitely the quickest method.
  2. A different way to shop for car insurance online consists of visiting the website for each individual company and request a quote. For examples sake, let’s say you want rates from Geico, 21st Century and Progressive. To get rate quotes you would need to take the time to go to each site and enter your information, which is why most consumers use the first method.

    For a list of links to insurance companies in your area, click here.

It’s up to you how you get prices quotes, just be sure to compare the exact same coverage limits on every quote you get. If you compare different liability limits it’s not possible to find the best deal for your Oldsmobile Eighty-Eight Royale.

Do I just need basic coverages?

When choosing adequate coverage for your personal vehicles, there isn’t really a one size fits all plan. Your needs are not the same as everyone else’s.

For example, these questions may help you determine if you could use an agent’s help.

  • Do I pay less for low miles?
  • Do I have coverage when using my vehicle for my home business?
  • Does medical payments coverage apply to all occupants?
  • Does insurance cover damages from a DUI accident?
  • Should I drop comprehensive coverage on older vehicles?
  • How high should deductibles be on a 1993 Oldsmobile Eighty-Eight Royale?
  • Does liability extend to a camper or trailer?
  • Do I need an umbrella policy?

If it’s difficult to answer those questions, then you may want to think about talking to a licensed agent. If you don’t have a local agent, simply complete this short form. It is quick, free and can provide invaluable advice.

Auto insurance coverage information

Understanding the coverages of insurance helps when choosing the best coverages at the best deductibles and correct limits. The coverage terms in a policy can be difficult to understand and reading a policy is terribly boring.

Med pay and Personal Injury Protection (PIP) – Medical payments and Personal Injury Protection insurance provide coverage for bills for X-ray expenses, dental work, ambulance fees and funeral costs. They can be utilized in addition to your health insurance policy or if you lack health insurance entirely. Coverage applies to not only the driver but also the vehicle occupants as well as any family member struck as a pedestrian. PIP is only offered in select states and may carry a deductible

Uninsured/Underinsured Motorist (UM/UIM) – This coverage protects you and your vehicle’s occupants from other drivers when they do not carry enough liability coverage. Covered losses include medical payments for you and your occupants as well as damage to your Oldsmobile Eighty-Eight Royale.

Due to the fact that many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is a good idea.

Comprehensive insurance – Comprehensive insurance pays for damage OTHER than collision with another vehicle or object. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims like vandalism, a tree branch falling on your vehicle and damage from getting keyed. The maximum payout you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle’s value is low consider dropping full coverage.

Collision coverage – This coverage will pay to fix damage to your Eighty-Eight Royale caused by collision with another vehicle or an object, but not an animal. You will need to pay your deductible and then insurance will cover the remainder.

Collision insurance covers claims such as crashing into a ditch, sustaining damage from a pot hole, hitting a parking meter and crashing into a building. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are 8 years or older. You can also bump up the deductible to get cheaper collision coverage.

Liability coverage – This protects you from damage or injury you incur to a person or their property in an accident. It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have liability limits of 50/100/50 that means you have $50,000 bodily injury coverage, $100,000 for the entire accident, and a total limit of $50,000 for damage to vehicles and property.

Liability coverage protects against claims like attorney fees, repair bills for other people’s vehicles, medical services and funeral expenses. How much liability coverage do you need? That is up to you, but it’s cheap coverage so purchase as much as you can afford.