Lower Your 1998 Oldsmobile Cutlass Car Insurance Rates

Trying to find the cheapest car insurance rates for your Oldsmobile Cutlass? Finding lower rates for car insurance can be hard for consumers new to shopping for insurance online. Consumers have so many options available that it can be a lot of work to find lower rates.

You need to take a look at other company’s rates once or twice a year since rates tend to go up over time. Just because you had the best rates for Cutlass coverage two years ago you can probably find a lower rate today. Ignore everything you know about car insurance because I’m going to let you in on the secrets to the only way to buy cheaper car insurance.

The purpose of this post is to familiarize you with how to get online quotes. If you currently have a car insurance policy, you will most likely be able to cut costs considerably using these methods. But vehicle owners benefit from understanding how companies price online insurance and apply this information to your search.

Discounts are great for lower rates

The price of auto insurance can be rather high, but there could be available discounts to help offset the cost. Certain discounts will be triggered automatically when you purchase, but a few need to be specially asked for before you will receive the discount.

  • Sign Online – A handful of insurance companies give back up to $50 just for signing your application online.
  • Multiple Policy Discount – When you have multiple policies with the same company you may earn approximately 10% to 15%.
  • Anti-lock Brake Discount – Cars that have steering control and anti-lock brakes can reduce accidents and therefore earn up to a 10% discount.
  • Clubs and Organizations – Affiliation with a civic or occupational organization could trigger savings on your policy for Cutlass coverage.
  • Military Rewards – Being deployed with a military unit can result in better rates.
  • More Vehicles More Savings – Buying coverage for multiple cars or trucks on the same auto insurance policy may reduce the rate for each vehicle.
  • Anti-theft System – Vehicles with anti-theft systems can help prevent theft and earn discounts up to 10%.

Consumers should know that most of the big mark downs will not be given the the whole policy. Most cut specific coverage prices like liability and collision coverage. Just because you may think adding up those discounts means a free policy, companies wouldn’t make money that way. Any amount of discount will cut the amount you have to pay.

Companies that may have these money-saving discounts include:

Double check with each insurance company how you can save money. Some discounts may not be available in every state.

Compare the Market for Car Insurance

All major car insurance companies provide prices directly from their websites. This process is pretty easy as you just type in the coverage amounts you desire as requested by the quote form. Once you submit the form, the company’s rating system automatically orders credit information and your driving record and quotes a price.

This makes it a lot easier to compare rates but the process of having to visit several different sites and enter the same data into a form gets old quite quickly. But it’s very important to perform this step if you are searching for the best price on car insurance.

The easiest way to find cheaper rates uses one simple form that analyzes rates from many companies. It’s a real time-saver, reduces the work, and makes rate comparisons much easier to do. As soon as the form is sent, it is rated with multiple companies and you can pick any or none of the pricing results.

If the quotes result in lower rates, you can simply submit the application and buy the policy. The entire process only takes a few minutes and you’ll know if lower rates are available.

If you want to compare pricing, click here to open in new window and enter your information. If you currently have coverage, we recommend you type in deductibles and limits as close as possible to your current policy. This guarantees you’re receiving a price comparison for exact coverage.

You may need specialized coverage

When choosing adequate coverage for your vehicles, there is no cookie cutter policy. Coverage needs to be tailored to your specific needs.

These are some specific questions can aid in determining if you may require specific advice.

  • Is business equipment covered while in my vehicle?
  • Am I covered when delivering products for my home-based business?
  • How do I file an SR-22 for a DUI in my state?
  • Am I covered if I hit my neighbor’s mailbox?
  • Should I carry comprehensive and collision coverage?
  • Should I have a commercial auto policy?
  • Do I need roadside assistance coverage?
  • Does my policy pay for OEM or aftermarket parts?
  • How much liability insurance is required?
  • Is pleasure use cheaper than using my 1998 Oldsmobile Cutlass to commute?

If you don’t know the answers to these questions but you think they might apply to your situation, then you may want to think about talking to a licensed insurance agent. To find lower rates from a local agent, take a second and complete this form.

Auto insurance coverages

Learning about specific coverages of a insurance policy helps when choosing appropriate coverage and the correct deductibles and limits. The coverage terms in a policy can be difficult to understand and coverage can change by endorsement.

Coverage for medical payments – Personal Injury Protection (PIP) and medical payments coverage kick in for expenses such as surgery, prosthetic devices, ambulance fees and funeral costs. They are used in conjunction with a health insurance plan or if you lack health insurance entirely. It covers all vehicle occupants as well as being hit by a car walking across the street. PIP coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Collision coverages – This will pay to fix damage to your Cutlass resulting from colliding with another vehicle or an object, but not an animal. You first must pay a deductible then your collision coverage will kick in.

Collision insurance covers things such as crashing into a ditch, backing into a parked car, colliding with another moving vehicle, sustaining damage from a pot hole and scraping a guard rail. This coverage can be expensive, so consider removing coverage from vehicles that are older. You can also choose a higher deductible to save money on collision insurance.

Liability – This coverage protects you from injuries or damage you cause to other’s property or people that is your fault. This insurance protects YOU against other people’s claims. It does not 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. As an example, you may have values of 50/100/50 which stand for $50,000 bodily injury coverage, $100,000 for the entire accident, and $50,000 of coverage for damaged propery. Another option is one limit called combined single limit (CSL) which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability coverage protects against claims such as emergency aid, repair costs for stationary objects and funeral expenses. How much coverage you buy is up to you, but it’s cheap coverage so purchase as much as you can afford.

Comprehensive coverages – Comprehensive insurance will pay to fix damage from a wide range of events other than collision. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things like damage from flooding, falling objects and hail damage. The maximum amount a insurance company will pay at claim time is the actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Uninsured and underinsured coverage – This protects you and your vehicle when the “other guys” either are underinsured or have no liability coverage at all. It can pay for hospital bills for your injuries as well as your vehicle’s damage.

Because many people have only the minimum liability required by law, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is very important. Frequently your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Stretch your dollar

In this article, we presented some good ideas how to compare 1998 Oldsmobile Cutlass insurance prices online. The key thing to remember is the more providers you compare, the better your comparison will be. Consumers could even find that the lowest premiums are with some of the lesser-known companies.

Affordable insurance can be sourced online and with local insurance agents, and you should be comparing both to get a complete price analysis. Some insurance companies do not offer the ability to get a quote online and most of the time these regional insurance providers sell through independent agents.

When buying insurance coverage, it’s not a good idea to buy poor coverage just to save money. Too many times, someone sacrificed physical damage coverage only to regret that their decision to reduce coverage ended up costing them more. The proper strategy is to buy enough coverage for the lowest price, not the least amount of coverage.

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