1991 Oldsmobile Cutlass Ciera Insurance Rates

Feel like you’re a prisoner to an overpriced insurance policy? Trust us, you’re not alone. Drivers have so many insurers to buy insurance from, and although it’s nice to be able to choose, it makes it harder to locate the cheapest rates.

Parts of the Oldsmobile Cutlass Ciera rate equation

Consumers need to have an understanding of some of the elements that come into play when calculating insurance coverage rates. Understanding what influences your rates helps enable you to make changes that may reward you with big savings.

  • Pleasure use saves money – The higher the mileage driven in a year the more you’ll pay to insure your vehicle. Most insurance companies charge to insure your cars based on how the vehicle is used. Autos that are left in the garage get more affordable rates compared to those used for work or business. Verify your insurance coverage declarations sheet is rated on the correct usage for each vehicle. Incorrect usage on your Cutlass Ciera may be wasting your money.
  • High crash test scores lower rates – Cars with high safety ratings get lower rates. The safest vehicles reduce injuries and better occupant protection means less money paid by your insurance company and lower rates for you. If your Oldsmobile Cutlass Ciera is rated at least four stars on Safercar.gov it may be receiving lower rates.
  • Little extras can really add up – There are a lot of extra bells and whistles you can purchase on your insurance coverage policy. Coverages like rental car reimbursement, better glass coverage and term life insurance are examples of these. These may sound like a good investment initially, but if they’re wasting money get rid of them and save.
  • You might want pay the small claims yourself – If you tend to file frequent claims, you can expect either a policy non-renewal or much higher rates. Companies give better rates to policyholders who file claims infrequently. Auto insurance is intended for the bigger claims that can’t be paid out-of-pocket.
  • Big city or small town – Being located in a rural area can save you money when buying insurance coverage. City drivers regularly have traffic congestion and much longer commute distances. Lower population means reduced accidents.
  • Bundling policies can get discounts – Some companies will give a discount to people who buy several policies from them, otherwise known as a multi-policy discount. Even if you’re getting this discount it’s in your best interest to shop around to verify if the discount is saving money.
  • Equipment add-ons that lower insurance coverage rates – Driving a car 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 all hinder your vehicle from being stolen.

Car Insurance Quote Comparison

Comparing car insurance rates can be exhausting if you don’t utilize the most efficient way. You can waste hours talking about coverages with local insurance agents in your area, or you could use the internet to get prices fast.

Most of the larger companies enroll in a system that allows shoppers to complete one form, and at least one company can provide price quotes based on that information. This saves time by eliminating quote forms to each individual car insurance company.

To find out how much you can save on car insurance click to open in new window.

The one downside to using this type of system is you cannot specify the providers to get quotes from. So if you prefer to pick individual companies to compare rates, we have assembled a list of low cost car insurance companies in your area. Click here to view list.

Which method you use is up to you, but be sure to compare the exact same coverage limits and deductibles with each company. If you use higher or lower deductibles it’s not possible to determine the best price for your Oldsmobile Cutlass Ciera.

Are you falling for claims of savings?

Consumers get pounded daily by advertisements for car insurance savings from the likes of State Farm, Geico and Progressive. All the ads have a common claim of big savings if you switch your coverage to them.

How can each company claim to save you money?

Insurance companies have a preferred profile for the type of driver that makes them money. For instance, a driver they prefer might be profiled as a mature driver, a clean driving record, and has great credit. A customer getting a price quote who fits that profile will qualify for the lowest rates and most likely will save when they switch companies.

Potential customers who are not a match for the “perfect” profile will have to pay a higher premium which usually ends up with business not being written. The ad wording is “customers who switch” not “everybody who quotes” save that kind of money. This is how insurance companies can make those claims. Because of the profiling, drivers should get as many quotes as possible. Because you never know the company that will have the lowest Oldsmobile Cutlass Ciera insurance rates.

Don’t miss out on these money-saving discounts

Companies offering auto insurance do not advertise every discount very well, so we break down some of the more common and also the lesser-known discounts you could be receiving. If you don’t get every credit possible, you’re paying more than you need to.

  • Low Mileage – Driving fewer miles could be rewarded with better rates on cars that stay parked.
  • Anti-lock Brake Discount – Cars that have steering control and anti-lock brakes can reduce accidents and will save you 10% or more.
  • Good Student – This discount can get you a discount of up to 25%. This discount can apply until age 25.
  • Claim Free – Drivers who don’t have accidents can earn big discounts compared to frequent claim filers.
  • Seat Belts Save more than Lives – Using a seat belt and requiring all passengers to buckle their seat belts can save up to 15% on the medical payments or PIP coverage costs.

Keep in mind that many deductions do not apply to the overall cost of the policy. Most only apply to specific coverage prices like collision or personal injury protection. So when it seems like you would end up receiving a 100% discount, insurance companies aren’t that generous.

Car insurance companies that may have these benefits are:

Check with each company which discounts you may be entitled to. Savings may not apply in your state.

Do I need special coverages?

When it comes to buying proper insurance coverage for your personal vehicles, there isn’t really a single plan that fits everyone. Each situation is unique so this has to be addressed. For example, these questions can aid in determining whether your personal situation would benefit from an agent’s advice.

  • What if I owe more than I can insure my car for?
  • Will I be non-renewed for getting a DUI or other conviction?
  • How high should my medical payments coverage be?
  • Should I sign the liability waiver when renting a car?
  • Are rock chip repairs covered?
  • Is my dog or cat covered if injured in an accident?
  • Does my liability insurance cover pulling a trailer or camper?
  • How do I buy GAP insurance?
  • Am I covered when delivering products for my home-based business?
  • Do I need special endorsements for business use of my vehicle?

If it’s difficult to answer those questions but one or more may apply to you, then you may want to think about talking to an agent. If you want to speak to an agent in your area, fill out this quick form or click here for a list of insurance coverage companies in your area. It’s fast, free and can help protect your family.

Specifics of your auto insurance policy

Knowing the specifics of your policy can help you determine appropriate coverage for your vehicles. Auto insurance terms can be confusing and reading a policy is terribly boring. Listed below are typical coverages offered by auto insurance companies.

Collision coverages – Collision insurance will pay to fix damage to your Cutlass Ciera resulting from colliding with another vehicle or an object, but not an animal. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things like colliding with another moving vehicle, hitting a parking meter, crashing into a building and damaging your car on a curb. Collision is rather expensive coverage, so consider dropping it from older vehicles. Another option is to increase the deductible to bring the cost down.

Medical costs insurance – Personal Injury Protection (PIP) and medical payments coverage provide coverage for bills for things like surgery, nursing services, funeral costs and ambulance fees. They are often utilized in addition to your health insurance policy 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 is only offered in select states and gives slightly broader coverage than med pay

UM/UIM Coverage – Your UM/UIM coverage protects you and your vehicle’s occupants from other drivers when they either are underinsured or have no liability coverage at all. Covered losses include hospital bills for your injuries as well as your vehicle’s damage.

Since a lot of drivers only carry the minimum required liability limits, their limits can quickly be used up. This is the reason having UM/UIM coverage is important protection for you and your family.

Liability auto insurance – Liability insurance protects you from injuries or damage you cause to a person or their property that is your fault. It protects you from legal claims by others, and does not provide coverage for your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show limits of 100/300/100 which stand for a $100,000 limit per person for injuries, $300,000 for the entire accident, and property damage coverage for $100,000.

Liability coverage pays for claims such as repair costs for stationary objects, funeral expenses, attorney fees, medical expenses and court costs. The amount of liability coverage you purchase is a personal decision, but you should buy higher limits if possible.

Comprehensive or Other Than Collision – Comprehensive insurance covers damage OTHER than collision with another vehicle or object. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things like hitting a bird, damage from a tornado or hurricane, falling objects, vandalism and fire damage. The most you’ll receive from a claim is the ACV or actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Smart consumers save more

We covered some good ideas how you can reduce 1991 Oldsmobile Cutlass Ciera insurance prices online. It’s most important to understand that the more providers you compare, the better your comparison will be. Consumers could even find that the best prices are with some of the smallest insurance companies. Smaller companies may have significantly lower rates on certain market segments than their larger competitors like Progressive or Geico.

When shopping online for insurance coverage, never skimp on critical coverages to save a buck or two. There are a lot of situations where an insured cut comprehensive coverage or liability limits and learned later that the small savings ended up costing them much more. The aim is to get the best coverage possible at an affordable rate.

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