1991 Oldsmobile Eighty-Eight Royale Car Insurance Rates – 10 Ideas for Best Quotes

Finding low-cost insurance for a new or used Oldsmobile Eighty-Eight Royale could be difficult, but you can follow the following methods to find lower rates.

There is a right way and a wrong way to shop for insurance coverage and we’ll show you the quickest way to compare rates on a Oldsmobile and locate the best price possible.

Buying the cheapest car insurance coverage is simple if you know the tricks. If you have insurance now or are shopping for new coverage, you can learn to reduce the price you pay while maximizing coverage. Drivers just need to understand the most effective way to get comparison rates over the internet.

Finding Insurance

Effectively comparing insurance prices can be challenging if you don’t utilize the easiest way. You can spend countless hours discussing policy coverages with insurance agencies in your area, or you can stay home and use online quoting for quick rates.

All the larger companies participate in an industry program where insurance shoppers enter their policy data once, and every company returns a competitive quote determined by their information. This saves time by eliminating quotation requests to each company. To submit your quote information now, click here to start a free quote.

The single downside to getting quotes like this is you are unable to specify which providers you want to price. If you prefer to choose specific providers to compare rates, we have a listing of companies who write insurance in your area. Click here for list of insurance companies.

Which method you use is up to you, but double check that you are using the exact same coverages and limits for every company. If the quotes have different deductibles it’s impossible to determine the lowest rate for your Oldsmobile Eighty-Eight Royale.

Be sure to get all your discounts

The cost of insuring your cars can be expensive, buy you may qualify for discounts to cut the cost considerably. Some discounts apply automatically at the time of quoting, but some must be specially asked for before being credited. If you aren’t receiving every discount available, you are paying more than you should be.

  • Passive Restraint Discount – Factory air bags or automatic seat belts can get savings of 20% or more.
  • Pay Upfront and Save – By paying your policy upfront instead of making monthly payments you may reduce your total bill.
  • Discount for Good Grades – This discount can be rewarded with saving of up to 25%. This discount can apply up to age 25.
  • Drivers Education – Make teen driver coverage more affordable by requiring them to take driver’s ed class in high school.
  • Homeowners Pay Less – Being a homeowner may trigger a auto insurance policy discount due to the fact that maintaining a home requires personal responsibility.
  • New Car Discount – Putting insurance coverage on a new car can cost up to 25% less because new vehicles have to meet stringent safety requirements.
  • Safe Driver Discount – Safe drivers may save up to 50% more on Eighty-Eight Royale coverage than drivers with accidents.
  • Fewer Miles Equal More Savings – Fewer annual miles on your Oldsmobile can qualify you for a substantially lower rate.
  • Accident Forgiveness – Certain companies will forgive one accident before your rates go up if your claims history is clear for a set time period.
  • Defensive Driving Course – Taking a defensive driving course could possibly earn you a 5% discount depending on where you live.

Consumers should know that many deductions do not apply to the entire cost. The majority will only reduce the price of certain insurance coverages like medical payments or collision. Just because it seems like it’s possible to get free car insurance, it just doesn’t work that way. But all discounts will help reduce the amount you have to pay.

Insurance companies that may have these benefits may include but are not limited to:

Check with each company how you can save money. Discounts might not apply in your area.

How do I know if I need professional advice?

When buying adequate coverage, there really is not a perfect coverage plan. Everyone’s needs are different.

Here are some questions about coverages that may help you determine whether you would benefit from professional advice.

  • How do I insure my teen driver?
  • Will I lose any money if I cancel my policy before it expires?
  • Why does it cost so much to insure a teen driver?
  • Does my insurance cover damage caused when ticketed for reckless driving?
  • Will I be non-renewed for getting a DUI or other conviction?
  • Is a fancy paint job covered?
  • Are split liability limits better than a combined single limit?
  • Am I covered when driving in Canada or Mexico?
  • Should I put collision coverage on all my vehicles?

If it’s difficult to answer those questions, then you may want to think about talking to an agent. If you want to speak to an agent in your area, complete this form. It’s fast, free and can provide invaluable advice.

Detailed coverages of your car insurance policy

Learning about specific coverages of a car insurance policy can help you determine the right coverages at the best deductibles and correct limits. Policy terminology can be impossible to understand and coverage can change by endorsement.

Collision insurance

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

Collision coverage protects against things such as driving through your garage door, hitting a parking meter and colliding with a tree. This coverage can be expensive, so consider dropping it from vehicles that are older. Drivers also have the option to choose a higher deductible to bring the cost down.


Liability insurance can cover injuries or damage you cause to a person or their property. 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 limits of 50/100/50 that translate to $50,000 bodily injury coverage, a per accident bodily injury limit of $100,000, and property damage coverage for $50,000. Another option is a combined limit which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability coverage pays for claims such as court costs, repair costs for stationary objects, emergency aid, repair bills for other people’s vehicles and bail bonds. How much coverage you buy is a personal decision, but you should buy as much as you can afford.

Medical payments coverage and PIP

Med pay and PIP coverage reimburse you for bills like X-ray expenses, prosthetic devices and rehabilitation expenses. The coverages can be used to fill the gap from your health insurance policy or if you are not covered by health insurance. They cover not only the driver but also the vehicle occupants in addition to if you are hit as a while walking down the street. Personal injury protection coverage is only offered in select states but can be used in place of medical payments coverage

Uninsured/Underinsured Motorist coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other drivers when they either are underinsured or have no liability coverage at all. This coverage pays for medical payments for you and your occupants as well as your vehicle’s damage.

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 should not be overlooked. Usually the UM/UIM limits are identical to your policy’s liability coverage.

Comprehensive coverage

Comprehensive insurance coverage 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 can pay for things like theft, hitting a deer, damage from a tornado or hurricane, rock chips in glass and damage from flooding. The maximum payout a car insurance company will pay at claim time is the ACV or actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

The best insurance company isn’t always the cheapest

We’ve covered a lot of techniques to lower your 1991 Oldsmobile Eighty-Eight Royale insurance rates. The key thing to remember is the more you quote, the better chance you’ll have of finding lower rates. You may be surprised to find that the best price on insurance is with a small mutual company.

While you’re price shopping online, you should never reduce needed coverages to save money. There are many occasions where consumers will sacrifice liability limits or collision coverage and learned later that the savings was not a smart move. Your focus should be to buy the best coverage you can find at an affordable rate while not skimping on critical coverages.

Affordable insurance can be sourced on the web as well as from independent agents, and you should compare price quotes from both to have the best selection. A few companies don’t offer online price quotes and these small insurance companies work with independent agents.

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