1. Vehicles
  2. Oldsmobile
  3. Eighty-Eight Royale
  4. 1993 Model Year

1993 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.

Have you had enough of trying to scrape together enough money to pay your car insurance bill each month? You are in the same boat as many other drivers.

Companies like State Farm and GEICO promote their brand names with advertising and consumers find it hard to ignore the flying pigs and cute green geckos and find the best price available.

You need to price shop coverage before your policy renews because insurance rates are usually higher with each renewal. Despite the fact that you may have had the lowest price on Eighty-Eight Royale coverage a couple years back you will most likely find a better rate today. You can find a lot of wrong information about insurance coverage on the internet, so with this article, you’re going to get some good information on how to quit paying high insurance coverage rates.

Where Can I Get Cheap Insurance Coverage?

There are a lot of ways to compare insurance coverage quotes, but one way is less labor-intensive and much quicker. You can spend your afternoon driving to insurance companies in your area, or you could save time and use online quoting for quick rates.

Most of the larger companies are enrolled in a marketplace that enables customers to submit one quote, and each company then gives them pricing based on the submitted data. This eliminates the need for quote forms for each company.

To enter your information into the quoting system, click here to open in new window.

The one downside to using this type of form is buyers cannot specifically choose the providers to get pricing from. If you wish to select from a list of companies to receive pricing from, we have assembled a list of the cheapest insurance coverage companies in your area. Click here to view list.

It’s up to you how you get prices quotes, just double check that you are using exactly the same coverage limits on every quote you get. If the quotes have differing limits it’s impossible to determine the best price for your Oldsmobile Eighty-Eight Royale. Slightly different coverage limits may result in a large different in cost. And when price shopping your coverage, having more price comparisons provides better odds of finding a better price.

Insurance myths debunked

Insurance providers like Progressive, GEICO, Allstate and State Farm continually stream ads on television and other media. They all make an identical promise that you can save after switching your policy. How does each company claim to save you money? It’s all in the numbers.

Insurance companies have a preferred profile for the right customer that earns them a profit. An example of a profitable customer might be a mature driver, has no prior claims, and has a high credit rating. Any driver that hits that “sweet spot” will get very good rates and as a result will probably save when they switch companies.

Consumers who do not match the “perfect” profile will be charged higher rates and ends up with the customer not buying. The ad wording is “customers that switch” not “everyone that quotes” save that kind of money. That is how insurance companies can confidently make those claims.

That is why you should compare as many rates as you can. You cannot predict the company that will give you the biggest savings on Oldsmobile Eighty-Eight Royale insurance.

Oldsmobile Eighty-Eight Royale insurance premiums are calculated by many factors

Consumers need to have an understanding of the different types of things that come into play when calculating the rates you pay for insurance. Understanding what determines base rates helps enable you to make changes that can help you get much lower annual insurance costs.

The list below includes a few of the “ingredients” that factor into your rates.

  • Policy add-ons can waste money – There are quite a few extra coverages that you can buy if you aren’t careful. Coverages for rental car reimbursement, towing coverage and motor club memberships are some examples. These coverages may sound good when talking to your agent, but if you don’t need them eliminate them to save money.
  • Better crash test results mean better rates – Safer cars are cheaper to insure. The safest vehicles have better occupant injury protection and lower injury rates translates into savings for insurance companies and thus lower rates. If the Oldsmobile Eighty-Eight Royale has ratings of a minimum an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website it may be receiving lower rates.
  • Liability coverage is cheap – Liability insurance is the protection when a jury decides you are liable for damages from an accident. Liability provides legal defense which can cost thousands of dollars. Liability insurance is quite affordable compared to physical damage coverage, so drivers should carry high limits.
  • Better credit means lower rates – Your credit rating is a important factor in your rate calculation. Consumers who have excellent credit tend to be less risk to insure than drivers with lower ratings. So if your credit history can use some improvement, you could pay less to insure your 1993 Oldsmobile Eighty-Eight Royale by improving your rating.
  • Lower rates with optional equipment – Choosing a vehicle that has an advanced theft prevention system can help bring down rates. Theft prevention features like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar can thwart your vehicle from being stolen.
  • Your location is important – Residing in a small town can be a good thing when buying insurance. Urban drivers have to deal with much more traffic and longer commute times. Fewer people means fewer accidents.
  • Rates may be higher depending on your occupation – Did you know that where you work can have an impact on rates? Occupations like real estate brokers, business owners and accountants tend to have higher rates than average because of stressful work requirements and lengthy work days. On the flip side, professions such as scientists, athletes and performers receive lower rates on Eighty-Eight Royale coverage.

You probably qualify for some discounts

Insurance can cost an arm and a leg, but discounts can save money and there are some available to reduce the price significantly. Most are applied at quote time, but less common discounts must be specifically requested prior to getting the savings.

  • Drivers Education – Make teen driver coverage more affordable by requiring them to enroll in driver’s education if offered at their school.
  • Sign Online – Certain companies may give you up to $50 just for signing your application online.
  • Passive Restraints – Vehicles with factory air bags or automatic seat belts can get savings of 20% or more.
  • Good Students Pay Less – This discount can get you a discount of up to 25%. This discount can apply up until you turn 25.
  • Payment Discounts – If paying your policy premium upfront instead of making monthly payments you could save up to 5%.
  • Accident Waiver – Certain companies permit an accident before your rates go up so long as you haven’t had any claims for a particular time prior to the accident.
  • Drive Safe and Save – Safe drivers may save up to 50% more on Eighty-Eight Royale coverage than their less cautious counterparts.
  • Military Discounts – Having a deployed family member can result in better rates.

A little note about advertised discounts, some of the credits will not apply to all coverage premiums. The majority will only reduce the price of certain insurance coverages like liability, collision or medical payments. Just because you may think you could get a free auto insurance policy, it just doesn’t work that way. But all discounts will cut your overall premium however.

For a list of insurers offering auto insurance discounts, click here to view.

Free Auto Insurance Comparison

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

 Secured with SHA-256 Encryption

There’s no such thing as the perfect policy

When it comes to choosing the best insurance coverage coverage for your personal vehicles, there really is not a cookie cutter policy. Your needs are not the same as everyone else’s and a cookie cutter policy won’t apply. For example, these questions might point out whether or not you would benefit from professional advice.

  • How high should my uninsured/underinsured coverage be in my state?
  • Is my ex-spouse still covered by my policy?
  • Should I rate my 1993 Oldsmobile Eighty-Eight Royale as pleasure use or commute?
  • Do I have newly-aquired coverage?
  • Do I need more liability coverage?
  • How can I get my company to pay me more for my totalled car?
  • When should I not file a claim?
  • Exactly who is provided coverage by my policy?
  • Do I get a pro-rated refund if I cancel my policy early?
  • What is high-risk coverage and where do I buy it?

If it’s difficult to answer those questions but a few of them apply then you might want to talk to an insurance agent. To find lower rates from a local agent, simply complete this short form or go to this page to view a list of companies.

Specific coverage details

Knowing the specifics of your insurance policy can be of help when determining the right coverages for your vehicles. The terms used in a policy can be ambiguous and reading a policy is terribly boring. Listed below are typical coverages offered by insurance companies.

Uninsured Motorist or Underinsured Motorist insurance

This gives you protection when other motorists either have no liability insurance or not enough. This coverage pays for hospital bills for your injuries and also any damage incurred to your 1993 Oldsmobile Eighty-Eight Royale.

Due to the fact that many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. This is the reason having UM/UIM coverage is very important. Frequently these coverages do not exceed the liability coverage limits.

Liability

Liability insurance protects you from damage or injury you incur to other people or property that is your fault. This coverage protects you from claims by other people. Liability doesn’t cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see limits of 25/50/25 that means you have a limit of $25,000 per injured person, $50,000 for the entire accident, and property damage coverage for $25,000. Occasionally you may see one limit called combined single limit (CSL) that pays claims from the same limit rather than limiting it on a per person basis.

Liability coverage pays for claims like repair costs for stationary objects, medical services, medical expenses and structural damage. How much liability should you purchase? That is up to you, but buy as large an amount as possible.

Collision coverage

Collision coverage covers damage to your Eighty-Eight Royale from colliding with an object or car. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things like sideswiping another vehicle, sustaining damage from a pot hole, rolling your car and colliding with a tree. Collision is rather expensive coverage, so consider removing coverage from vehicles that are older. Drivers also have the option to bump up the deductible to save money on collision insurance.

Insurance for medical payments

Personal Injury Protection (PIP) and medical payments coverage kick in for expenses for things like EMT expenses, surgery, ambulance fees, hospital visits and X-ray expenses. They can be utilized in addition to your health insurance program or if you lack health insurance entirely. Medical payments and PIP cover both the driver and occupants as well as being hit by a car walking across the street. PIP coverage is not an option in every state and may carry a deductible

Comprehensive coverage (or Other than Collision)

Comprehensive insurance pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims such as vandalism, theft, falling objects and hail damage. The maximum payout you’ll receive from a claim is the cash value of the vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Have money to burn

When trying to cut insurance costs, don’t be tempted to buy less coverage just to save a little money. There have been many situations where drivers have reduced physical damage coverage only to regret at claim time that saving that couple of dollars actually costed them tens of thousands. Your strategy should be to buy the best coverage you can find for the lowest price while not skimping on critical coverages.

In this article, we covered quite a bit of information on how to lower your 1993 Oldsmobile Eighty-Eight Royale insurance rates. The key thing to remember is the more rate comparisons you have, the better likelihood of reducing your rate. Consumers could even find that the lowest priced auto insurance comes from a small mutual company. They can often insure niche markets at a lower cost than the large multi-state companies such as Allstate or State Farm.

For more information, take a look at the following helpful 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