1. Vehicles
  2. Oldsmobile
  3. Eighty-Eight Royale
  4. 1992 Model Year

1992 Oldsmobile Eighty-Eight Royale Insurance Rates

Enter your zip code below to view companies that have cheap auto insurance rates.

Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

Full Bio →

Written by

UPDATED: Mar 8, 2020

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Overpriced Oldsmobile Eighty-Eight Royale insurance can take a big chunk out of your personal savings and make it hard to pay other bills. Comparing price quotes is a great way to reduce premiums and put more money in your pocket.

Popular companies such as GEICO and Progressive all promote huge savings with ads and it is difficult to ignore the propoganda and effectively compare rates to find the best deal.

The fastest way that we advise to compare insurance rates from multiple companies is to take advantage of the fact most of the larger companies will pay a fee to give free rates quotes. The only thing you need to do is give them rating details such as daily mileage, driver ages, whether or not you need a SR-22, and coverage limits. Your rating data is then submitted to multiple companies and they return cost estimate instantly to find the best rate.

Discounts can save BIG

Car insurance companies don’t list all available discounts very clearly, so we break down some of the more common and the harder-to-find ways to save on auto insurance.

  • Anti-lock Brakes – Vehicles with anti-lock braking systems prevent accidents and qualify for as much as a 10% discount.
  • Discount for Life Insurance – Companies who offer life insurance give a discount if you purchase a life insurance policy as well.
  • Theft Prevention System – Vehicles with anti-theft systems can help prevent theft and will save you 10% or more.
  • Good Student – Performing well in school can save 20 to 25%. The good student discount can last up to age 25.
  • Memberships – Belonging to a professional or civic organization is a good way to get lower rates on your policy for Eighty-Eight Royale coverage.
  • More Vehicles More Savings – Buying coverage for multiple cars or trucks on one policy may reduce the rate for each vehicle.
  • No Charge for an Accident – Certain companies allow you one accident before raising your premiums if your claims history is clear for a certain period of time.

Drivers should understand that some credits don’t apply to the entire policy premium. Most only reduce the price of certain insurance coverages like comprehensive or collision. So even though it sounds like you can get free auto insurance, you’re out of luck.

To see a list of insurance companies offering auto insurance discounts, follow this link.

These factors can influence Oldsmobile Eighty-Eight Royale insurance rates

Smart consumers have a good feel for the factors that play a part in calculating the rates you pay for car insurance. Having a good understanding of what influences your rates enables informed choices that could result in lower car insurance prices.

Shown below are a partial list of the pieces car insurance companies consider when setting premiums.

  • Careful drivers pay lower rates – Your driving citation history impacts your car insurance rates tremendously. Just one moving violation may increase your cost forty percent or more. Drivers with clean records get better rates compared to drivers with tickets. Drivers who have flagrant citations like hit and run, DWI or reckless driving convictions may need to file a proof of financial responsibility form (SR-22) with the DMV in their state in order to keep their license.
  • Don’t get talked into coverage you don’t need – There are many add-on coverages that you can get tricked into buying if you aren’t careful. Coverages like rental car reimbursement, accidental death and additional equipment coverage may be costing you every month. They may seem like a good idea when talking to your agent, but now you might not need them so get rid of them and save.
  • Credit scores impact car insurance rates – A driver’s credit score is a important factor in calculating your car insurance rates. Therefore, if your credit score is lower than you’d like, you could potentially save money when insuring your 1992 Oldsmobile Eighty-Eight Royale by improving your rating. Drivers who have high credit scores tend to be better drivers and file fewer claims than drivers who have poor credit.
  • Your occupation can affect rates – Did you know that where you work can have an impact on rates? Jobs such as real estate brokers, architects and accountants have higher rates than average because of high stress levels and long work hours. On the flip side, occupations like scientists, athletes and homemakers get better rates for Eighty-Eight Royale coverage.
  • Discounts for married couples – Having a wife or husband actually saves money on your car insurance policy. Having a spouse translates into being more mature than a single person and it’s statistically proven that being married results in fewer claims.
  • Never go without insurance – Having an insurance coverage lapse will be a quick way to trigger a rate increase. And not only will insurance be more expensive, but being ticketed for driving with no insurance can result in a revoked license or a big fine.You may then be required to submit proof of financial responsibility or a SR-22 with your state DMV.
  • Adjust deductibles and save – Your deductibles define the amount you are required to spend before your car insurance pays a claim. Insurance for physical damage to your car, otherwise known as comp (or other than collision) and collision, is used to repair damage to your car. A few examples of covered claims could be running into the backend of another car, damage caused by hail, and burglary. The more expense you have to pay, the less your car insurance will be for Eighty-Eight Royale coverage.

Will just any policy work for me?

When choosing coverage for your vehicles, there is no “best” method to buy coverage. Every insured’s situation is different so your insurance should reflect that These are some specific questions might help in determining if your insurance needs might need professional guidance.

  • Is my ex-spouse still covered by my policy?
  • Can I make deliveries for my home business?
  • I have good health insurance, so how much medical payments coverage do I need?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • Do I need rental car coverage?
  • Will I be non-renewed for getting a DUI or other conviction?

Free Auto Insurance Comparison

Enter your zip code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

If you can’t answer these questions but one or more may apply to you, then you may want to think about talking to a licensed insurance agent. If you don’t have a local agent, take a second and complete this form or you can go here for a list of companies in your area.

Coverages available on your insurance policy

Having a good grasp of your insurance policy helps when choosing which coverages you need for your vehicles. Policy terminology can be confusing and even agents have difficulty translating policy wording. Listed below are typical coverage types found on most insurance policies.

Collision coverage

This coverage pays for damage to your Eighty-Eight Royale resulting from colliding with another car or object. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for things like sideswiping another vehicle, damaging your car on a curb, hitting a mailbox and crashing into a building. Collision is rather expensive coverage, so consider removing coverage from lower value vehicles. Another option is to choose a higher deductible to save money on collision insurance.

Uninsured/Underinsured Motorist (UM/UIM)

Uninsured or Underinsured Motorist coverage gives you protection when the “other guys” do not carry enough liability coverage. Covered claims include injuries sustained by your vehicle’s occupants as well as damage to your Oldsmobile Eighty-Eight Royale.

Since a lot of 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.

Comprehensive insurance

This pays to fix your vehicle from damage OTHER than collision with another vehicle or object. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage pays for claims such as hitting a bird, damage from getting keyed, a tree branch falling on your vehicle and damage from flooding. The maximum payout you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Med pay and Personal Injury Protection (PIP)

Med pay and PIP coverage provide coverage for bills like doctor visits, ambulance fees, dental work, X-ray expenses and chiropractic care. They can be used to fill the gap from your health insurance program or if you lack health insurance entirely. They cover both the driver and occupants in addition to if you are hit as a while walking down the street. PIP is only offered in select states and may carry a deductible

Liability car insurance

Liability coverage will cover injuries or damage you cause to other’s property or people by causing an accident. It protects you against other people’s claims, and doesn’t 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. Your policy might show policy limits of 25/50/25 that translate to $25,000 in coverage for each person’s injuries, a total of $50,000 of bodily injury coverage per accident, and a limit of $25,000 paid for damaged property.

Liability coverage pays for claims such as pain and suffering, emergency aid and bail bonds. The amount of liability coverage you purchase is your choice, but you should buy as high a limit as you can afford.

A little work can save a LOT of money

We covered some good ideas how you can save on 1992 Oldsmobile Eighty-Eight Royale insurance. It’s most important to understand that the more you quote, the higher the chance of saving money. Consumers could even find that the lowest priced car insurance comes from a smaller regional carrier. These smaller insurers may cover specific market segments cheaper as compared to the big name companies such as Progressive and GEICO.

The cheapest insurance is possible both online and with local insurance agents, and you need to price shop both in order to have the best chance of saving money. Some companies do not offer you the ability to get quotes online and these smaller companies work with independent agents.

When trying to cut insurance costs, make sure you don’t skimp on coverage in order to save money. In many instances, consumers will sacrifice full coverage only to find out that a couple dollars of savings turned into a financial nightmare. The ultimate goal is to get the best coverage possible at an affordable rate, not the least amount of coverage.

For more information, feel free to browse these articles:

Use our FREE quote tool to compare rates now!

Free Auto Insurance Comparison

Enter your zip code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

You May Also Enjoy These Articles