View 1998 Oldsmobile Regency Insurance Quotes

Searching for lower auto insurance rates for your Oldsmobile Regency? Are you intimidated by the wide range of auto insurance options? Lot’s of other consumers are too. You have so many options that it can easily become a real hassle to find lower rates.

It’s smart to compare rates once or twice a year since insurance rates go up and down regularly. Even if you got the best price on Regency insurance a year ago there is a good chance you can find better rates now. So just block out anything you think you know about auto insurance because it’s time to teach you the best methods to properly buy coverages and cut your premium.

How to Get Cheap Insurance

To find the best insurance prices, there are several ways to compare quotes from insurance companies in your area. The fastest way to find competitive 1998 Oldsmobile Regency insurance rates is to get quotes online. This can be done in just a few minutes using one of these methods.

  1. The recommended way consumers can analyze rates is a comparison rater form like this one (opens in new window). This method eliminates the need for separate quotation requests to each individual insurance company. A single form will return quotes from many national carriers.It’s the quickest way to get rates.
  2. A harder way to shop for insurance online consists of visiting the website for each individual company and request a quote. For examples sake, we’ll assume you want to compare rates from Auto-Owners, Safeco and Progressive. To get each rate you have to visit each site and enter your policy data, which is why most consumers use the first method. To view a list of companies in your area, click here.

It’s your choice how you get your quotes, but ensure you are comparing the exact same coverage limits and deductibles for every company. If each company quotes unequal deductibles or liability limits it will be impossible to make an equal comparison. Slightly different coverages can make a big difference in price. It’s important to know that obtaining a wide range of quotes will enable you to find better pricing.

Do auto insurance companies bend the truth?

Auto insurance providers like Allstate, Geico and Progressive regularly use ads on TV and radio. They all make an identical promise of big savings if you move your coverage to them. How can each company claim to save you money? This is how they do it.

Insurance companies have a certain “appetite” for the type of driver that makes them money. For instance, a profitable customer could possibly be a mature driver, is a homeowner, and has excellent credit. A driver who matches those parameters will qualify for the lowest rates and is almost guaranteed to save when switching.

Consumers who are not a match for the “perfect” profile will have to pay higher premiums and this can result in the driver buying from a lower-cost company. Company advertisements say “customers who switch” not “everyone that quotes” save that much. That is how insurance companies can advertise the savings.

Because of the profiling, it’s extremely important to get a wide range of price quotes. You cannot predict which insurance companies will have the lowest Oldsmobile Regency insurance rates.

Pay less by taking advantage of discounts

Insurance can be prohibitively expensive, but there could be available discounts that can drop the cost substantially. Certain discounts will be triggered automatically at the time you complete a quote, but some must be specifically requested before being credited.

  • Student Driver Training – Have your child take driver’s ed class in high school.
  • Safety Course Discount – Completing a course in driver safety could cut 5% off your bill depending on where you live.
  • Braking Control Discount – Vehicles with anti-lock braking systems can reduce accidents and will save you 10% or more.
  • Pay Now and Pay Less – If you pay your bill all at once instead of paying each month you may reduce your total bill.
  • Accident Forgiveness – Some insurance companies will forgive one accident before hitting you with a surcharge so long as you haven’t had any claims prior to the accident.
  • Memberships – Being a member of a qualifying organization is a good way to get lower rates on insurance coverage on Regency insurance.
  • Discount for New Cars – Adding a new car to your policy can save up to 30% since new cars are generally safer.
  • Life Insurance – Some companies give better rates if you take out life insurance.
  • Fewer Miles Equal More Savings – Low mileage vehicles could qualify for discounted rates on garaged vehicles.
  • Anti-theft Discount – Cars that have factory anti-theft systems help deter theft and will save you 10% or more.

As a disclaimer on discounts, most discounts do not apply to the entire policy premium. Most only cut individual premiums such as medical payments or collision. Just because you may think it’s possible to get free car insurance, you’re out of luck. Any qualifying discounts will bring down the amount you have to pay.

A partial list of companies that possibly offer these discounts include:

Before buying, ask every prospective company how you can save money. Savings may not apply in your area.

Your coverage should be tailored to you

When it comes to buying the best insurance coverage coverage, there is no best way to insure your cars. Everyone’s situation is a little different.

For instance, these questions could help you determine if your insurance needs would benefit from an agent’s advice.

  • Are my friends covered when driving my car?
  • Can I afford to pay high deductible claims out of pocket?
  • How can I get high-risk coverage after a DUI?
  • Is business property covered if stolen from my car?
  • Am I covered if I hit a deer?
  • What is no-fault insurance?
  • Do I pay less if my vehicle is kept in my garage?
  • If I drive on a suspended license am I covered?

If it’s difficult to answer those questions but you think they might apply to your situation, you might consider talking to an insurance agent. To find lower rates from a local agent, fill out this quick form.

Auto insurance coverage considerations

Knowing the specifics of your auto insurance policy helps when choosing the best coverages for your vehicles. Auto insurance terms can be difficult to understand and reading a policy is terribly boring.

UM/UIM (Uninsured/Underinsured Motorist) coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle from other drivers when they either have no liability insurance or not enough. It can pay for injuries sustained by your vehicle’s occupants and also any damage incurred to your 1998 Oldsmobile Regency.

Due to the fact that many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is very important. Usually your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Collision coverage – This covers damage to your Regency resulting from a collision with an object or car. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision can pay for claims such as colliding with a tree, sustaining damage from a pot hole and crashing into a ditch. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are older. It’s also possible to increase the deductible to bring the cost down.

Medical payments and PIP coverage – Medical payments and Personal Injury Protection insurance pay for expenses like funeral costs, rehabilitation expenses, doctor visits and X-ray expenses. They are used in conjunction with a health insurance program or if you are not covered by health insurance. They cover both the driver and occupants in addition to any family member struck as a pedestrian. Personal Injury Protection is not an option in every state but it provides additional coverages not offered by medical payments coverage

Comprehensive auto coverage – This pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims like damage from getting keyed, hail damage, a broken windshield and falling objects. The maximum payout your auto insurance company will pay is the actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Liability insurance – This will cover damage or injury you incur to people or other property. It protects you against claims from other people. It does not cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show liability limits of 100/300/100 which stand for $100,000 bodily injury coverage, a total of $300,000 of bodily injury coverage per accident, and a total limit of $100,000 for damage to vehicles and property. Alternatively, you may have one number which is a combined single limit that pays claims from the same limit with no separate limits for injury or property damage.

Liability coverage protects against claims like court costs, medical services, repair bills for other people’s vehicles, medical expenses and repair costs for stationary objects. The amount of liability coverage you purchase is a personal decision, but you should buy as much as you can afford.

One last thing about your coverage

Drivers leave their current company for a variety of reasons including lack of trust in their agent, denial of a claim, delays in responding to claim requests or even high prices. Regardless of your reason, switching companies is pretty easy and you might even save some money in the process.

As you shop your coverage around, make sure you don’t skimp on coverage in order to save money. There are a lot of situations where someone dropped full coverage and learned later that the few dollars in savings costed them thousands. Your goal should be to buy the best coverage you can find at the best price.

Cost effective 1998 Oldsmobile Regency insurance is possible on the web as well as from independent agents, and you need to price shop both in order to have the best chance of saving money. A few companies don’t offer the ability to get a quote online and many times these small insurance companies only sell through independent insurance agents.

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