1991 Oldsmobile Cutlass Ciera Insurance Quotes

Are you tired of not being able to afford to insure your Oldsmobile every month? You are in the same boat as many other consumers. Companies like Progressive, GEICO and Farmers Insurance constantly blast consumers with advertising and it is difficult to see past the geckos and flying pigs and effectively compare rates to find the best deal.

It’s a great practice to price shop coverage before your policy renews since insurance rates are constantly changing. If you had the best price on Cutlass Ciera insurance on your last policy a different company probably has better rates today. There is too much inaccurate information about insurance on the web, but by reading this article, you’re going to learn the best ways to find cheap insurance.

If you have insurance now or are just looking to switch companies, you can learn to find the best rates while maximizing coverage. Choosing the best insurance company for you is quite easy. Vehicle owners just need to know the best way to compare company rates on the web.

Are you getting all your discounts?

Insuring your fleet can be pricey, buy you may qualify for discounts that you may not know about. Most are applied at quote time, but a few must be inquired about prior to receiving the credit. If you’re not getting every credit possible, you’re just leaving money on the table.

  • Auto/Life Discount – Select insurance companies reward you with better rates if you take out life insurance.
  • Service Members Pay Less – Being on active duty in the military could mean lower rates.
  • Anti-theft Discount – Anti-theft and alarm systems can help prevent theft and earn discounts up to 10%.
  • Claim Free – Drivers with accident-free driving histories can earn big discounts as compared to bad drivers.
  • More Vehicles More Savings – Insuring multiple cars or trucks on one policy could earn a price break for each car.
  • Low Mileage Discounts – Keeping the miles down on your Oldsmobile could qualify for better rates on cars that stay parked.
  • Accident Forgiveness – Some insurance companies will allow you to have one accident before your rates go up as long as you don’t have any claims for a set time period.

It’s important to note that some credits don’t apply to your bottom line cost. Some only reduce individual premiums such as medical payments or collision. So when it seems like all those discounts means the company will pay you, you’re out of luck. Any amount of discount will reduce your overall premium however.

A partial list of companies that may offer these discounts may include but are not limited to:

Before buying, ask each insurance company which discounts they offer. Discounts might not apply in your area.

Automobile Insurance Quotes

Finding a lower price on 1991 Oldsmobile Cutlass Ciera insurance is not rocket science. All that’s required is to take a couple of minutes to get quotes from different insurance companies. It is quite easy and can be accomplished in just a few minutes using one of these methods.

  1. The fastest way to find the lowest comparison rates is a comparison rater form click here to open form in new window. This easy form keeps you from doing multiple quote forms to each individual insurance coverage company. One form submission compares rates instantly.
  2. A different way to compare rate quotes requires a trip to each individual company website to complete their respective quote request forms. For sake of this example, let’s assume you want comparison quotes from USAA, Allstate and Travelers. You would have to go to every website to enter your coverage information, and that’s why the first method is more popular. For a list of links to companies insuring cars in your area, click here.
  3. The most time-consuming way of comparing rate quotes is to spend your day driving to and from local insurance agencies. The internet eliminates the need for an insurance agent unless you require the personal advice of a licensed agent. Drivers can price shop your coverage online and still use a local agent. We’ll cover that shortly.

Which method you use is up to you, but compare exactly the same coverage limits and deductibles for every company. If the quotes have different values for each quote it’s not possible to determine which rate is truly the best.

Pieces of the Oldsmobile Cutlass Ciera insurance rate puzzle

It’s important that you understand some of the elements that come into play when calculating car insurance rates. When you know what positively or negatively determines base rates allows you to make educated decisions that can help you get better car insurance rates.

The list below includes a few of the “ingredients” companies use to determine your rates.

  • Credit scores impact car insurance rates – Having a bad credit score is a large factor in determining what you pay for car insurance. So if your credit score is lower than you’d like, you could pay less to insure your 1991 Oldsmobile Cutlass Ciera by repairing your credit. Drivers with excellent credit tend to file fewer claims and have better driving records as compared to drivers with poor credit.
  • Safer cars cost less to insure – Vehicles with good safety scores get lower rates. Safer cars result in less severe injuries and better occupant protection means lower claim amounts passed on to you as lower rates. If your Oldsmobile Cutlass Ciera scored better than four stars on Safercar.gov or an “acceptable” rating on iihs.org you are probably receiving a discount.
  • Where you live is a factor – Choosing to live in a rural area is a positive aspect when talking about car insurance. City drivers tend to have more traffic problems and a longer drive to work. Fewer people translates into fewer accidents as well as less vandalism and auto theft.
  • Lower rates come with age – Older drivers are more cautious drivers, tend to file fewer claims and tend to be better behind the wheel. Youthful drivers are statistically proven to be careless and easily distracted behind the wheel and because of this, their car insurance rates are much higher.
  • Small claims can cost you – If you frequently file small claims, you can definitely plan on either a policy non-renewal or much higher rates. Insurance companies provide discounts to insureds who do not rely on their insurance for small claims. Auto insurance is intended for major claims that would cause financial hardship.
  • Never let your coverage lapse – Driving without insurance can get your license suspended and as a result your rates will increase for letting your insurance expire. And not only will your rates increase, failure to provide proof of insurance might get you a revoked license or a big fine.You may have to provide proof of insurance in the form of an SR-22 filing with your state motor vehicle department to get your license reinstated.
  • Do you need the policy add-ons? – There are quite a few add-on coverages you can purchase when buying car insurance. Insurance for roadside assistance, better glass coverage and additional equipment coverage may be costing you every month. These may sound like a good investment at first, but now you might not need them so eliminate the coverages to reduce your premium.
  • Liability insurance protects assets – Your policy’s liability coverage is the coverage that protects you in the event that a court rules you are at fault for causing damage or personal injury in an accident. Liability provides for a legal defense which can cost thousands of dollars. Liability is cheap as compared to coverage for physical damage, so do not skimp.

Tailor your coverage to you

When it comes to buying the right insurance coverage for your personal vehicles, there is no single plan that fits everyone. Everyone’s needs are different so your insurance needs to address that. For example, these questions may help highlight if you may require specific advice.

  • Do I pay less if my vehicle is kept in my garage?
  • Should I buy only the required minimum liability coverage?
  • Do I need rental car coverage?
  • Should I sign the liability waiver when renting a car?
  • Do I have coverage when using my vehicle for my home business?
  • What companies insure drivers after a DUI or DWI?
  • Why is insurance for a teen driver so high?
  • What is roadside assistance coverage?

If it’s difficult to answer those questions but one or more may apply to you, you may need to chat with a licensed insurance agent. To find lower rates from a local agent, simply complete this short form or you can go here for a list of companies in your area. It only takes a few minutes and may give you better protection.

Don’t listen to company ads

Consumers can’t get away from ads for car insurance savings by State Farm, Allstate and GEICO. They all have a common claim that you’ll save big if you change to their company.

How does each company make almost identical claims? This is how they do it.

Different companies are able to cherry pick for the driver they prefer to insure. For instance, a preferred risk could possibly be between 30 and 50, a clean driving record, and has a high credit rating. A customer that hits that “sweet spot” will get very good rates and therefore will save a lot of money.

Potential customers who do not match this ideal profile will be charged a more expensive rate which usually ends up with business not being written. The ad wording is “drivers who switch” not “everyone that quotes” save money. This is how insurance companies can confidently advertise the savings.

That is why you absolutely need to get a wide range of price quotes. It is impossible to predict which company will provide you with the cheapest Oldsmobile Cutlass Ciera insurance rates.

Insurance coverages and their meanings

Understanding the coverages of a insurance policy helps when choosing the best coverages at the best deductibles and correct limits. The terms used in a policy can be difficult to understand and nobody wants to actually read their policy. Below you’ll find the normal coverages found on the average insurance policy.

Coverage for medical expenses

Medical payments and Personal Injury Protection insurance pay for short-term medical expenses for things like hospital visits, rehabilitation expenses, nursing services and chiropractic care. They can be used to fill the gap from your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover all vehicle occupants and also covers any family member struck as a pedestrian. Personal Injury Protection is not available in all states and may carry a deductible

Auto liability insurance

This coverage can cover damage that occurs to other people or property by causing an accident. It protects you against other people’s claims. Liability doesn’t cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see values of 50/100/50 which stand for a limit of $50,000 per injured person, a per accident bodily injury limit of $100,000, and $50,000 of coverage for damaged propery. Alternatively, you may have a combined limit which provides one coverage limit and claims can be made without the split limit restrictions.

Liability can pay for things like medical expenses, court costs, attorney fees and bail bonds. The amount of liability coverage you purchase is up to you, but consider buying as large an amount as possible.

Coverage for uninsured or underinsured drivers

Uninsured or Underinsured Motorist coverage gives you protection from other motorists when they do not carry enough liability coverage. Covered claims include injuries sustained by your vehicle’s occupants as well as damage to your 1991 Oldsmobile Cutlass Ciera.

Since a lot of drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is very important. Usually these coverages are set the same as your liablity limits.

Comprehensive insurance

Comprehensive insurance covers 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 can pay for things like damage from flooding, vandalism, hail damage and hitting a deer. The maximum amount your insurance company will pay is the cash value of the vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

Collision insurance

Collision insurance covers damage to your Cutlass Ciera from colliding with an object or car. You first must pay a deductible and then insurance will cover the remainder.

Collision insurance covers claims like colliding with another moving vehicle, scraping a guard rail, damaging your car on a curb, backing into a parked car and rolling your car. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are 8 years or older. You can also choose a higher deductible to get cheaper collision coverage.

In Summary

Affordable 1991 Oldsmobile Cutlass Ciera insurance is definitely available online in addition to many insurance agents, so compare prices from both to have the best selection. Some companies do not provide the ability to get a quote online and these small insurance companies work with independent agents.

When buying insurance coverage, make sure you don’t reduce needed coverages to save money. There are too many instances where drivers have reduced uninsured motorist or liability limits and found out when filing a claim that the small savings ended up costing them much more. Your strategy should be to purchase a proper amount of coverage at an affordable rate while still protecting your assets.

For more information, feel free to browse the resources below: