1992 Oldsmobile Cutlass Ciera Car Insurance Rates – 6 Tips for Cheaper Quotes

Trying to find better car insurance rates for your Oldsmobile Cutlass Ciera? Shopping for cheap car insurance over the internet can seem to be problematic for beginners to online price comaprisons. With so many insurance companies available, how can drivers possibly compare every company to locate the best available price?

Buying cheaper coverage is simple if you know the tricks. Basically, everyone who buys insurance most likely will be able to find better rates. But vehicle owners must know how big insurance companies price insurance differently and use this information to your advantage.

Compare the Market for Insurance Coverage

Comparing insurance coverage rates can be a lot of work if you don’t understand the best way to get rate quotes. You could spend the better part of a day driving to local insurance agents in your area, or you could use online quoting to get the quickest rates.

Many popular insurance companies participate in a marketplace that allows shoppers to complete one form, and every company then gives them pricing. This eliminates the need for repetitive form submissions for every insurance coverage company.

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The one downside to using this type of form is you are unable to specify the insurers to get quotes from. If you prefer to choose from a list of companies to receive pricing from, we put together a list of insurance coverage companies in your area. Click here for list of insurance companies.

Whichever method you choose, compare identical coverages for every company. If each company quotes different values for each quote then you won’t be able to decipher which rate is best. Just a small difference in coverages can mean a large discrepancy in price. And when comparison shopping, more quotes provides better odds of finding a lower rate.

Are insurance companies telling the truth?

Insurance providers like 21st Century, Allstate and State Farm constantly bombard you with ads in print and on television. They all say the same thing about savings if you switch your policy. How do they all make the same claim? It’s all in the numbers.

All companies can use profiling for the type of driver that earns them a profit. An example of a profitable customer might be profiled as between the ages of 30 and 50, insures multiple vehicles, and drives less than 7,500 miles a year. A driver who matches those parameters receives the best rates and therefore will save when they switch companies.

Consumers who don’t qualify for the requirements must pay higher premiums which leads to business not being written. The ads say “people who switch” but not “drivers who get quotes” save money. That is how companies can make the claims of big savings.

This illustrates why drivers must compare as many rates as you can. Because you never know which company will fit your personal profile best.

Take advantage of discounts

The price of auto insurance can be rather high, but there are discounts available that you may not even be aware of. A few discounts will automatically apply at the time of quoting, but some may not be applied and must be requested specifically before you will receive the discount.

  • Discount for New Cars – Putting insurance coverage on a new car can be considerably cheaper because new vehicles have to meet stringent safety requirements.
  • Drive Less and Save – Low mileage vehicles could be rewarded with a substantially lower rate.
  • Good Students Pay Less – Getting good grades can get you a discount of up to 25%. The discount lasts up until you turn 25.
  • Theft Prevention System – Vehicles with anti-theft systems can help prevent theft and earn discounts up to 10%.
  • Life Insurance Discount – Companies who offer life insurance give a discount if you purchase auto and life insurance together.
  • Passive Restraints and Air Bags – Factory air bags or motorized seat belts can receive discounts of more than 20%.

Keep in mind that most discount credits are not given to the entire cost. The majority will only reduce the price of certain insurance coverages like liability and collision coverage. Just because it seems like all those discounts means the company will pay you, it doesn’t quite work that way. Any qualifying discounts will bring down the amount you have to pay.

For a list of companies with discount auto insurance rates, click here.

How to know if you need help

When choosing the right insurance coverage, there really is no “perfect” insurance plan. Everyone’s situation is a little different.

For instance, these questions might point out whether your personal situation would benefit from professional advice.

  • When can I cancel my policy?
  • What is the minimum liability in my state?
  • What is the difference between comprehensive and collision coverage?
  • Can I pay claims out-of-pocket if I buy high deductibles?
  • Why am I required to buy high-risk coverage?
  • Am I getting all the discounts available?
  • Does insurance cover tools stolen from my truck?
  • Am I covered when using my vehicle for business?
  • Does coverage extend to a rental car in a foreign country?
  • When should I not file a claim?

If you don’t know the answers to these questions but you know they apply to you, you might consider talking to an agent. If you don’t have a local agent, take a second and complete this form.

Detailed coverages of your insurance policy

Having a good grasp of insurance helps when choosing which coverages you need and proper limits and deductibles. The coverage terms in a policy can be confusing and even agents have difficulty translating policy wording.

Comprehensive coverages

This coverage will pay to fix damage that is not covered by collision coverage. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims such as vandalism, rock chips in glass, damage from flooding, hitting a bird and falling objects. The most a insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Collision coverage

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 then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims such as hitting a mailbox, crashing into a ditch, rolling your car and crashing into a building. Collision coverage makes up a good portion of your premium, so consider removing coverage from lower value vehicles. Drivers also have the option to increase the deductible to save money on collision insurance.

Uninsured and underinsured coverage

Your UM/UIM coverage provides protection from other drivers when they do not carry enough liability coverage. Covered losses include injuries to you and your family as well as damage to your Oldsmobile Cutlass Ciera.

Because many people carry very low liability coverage limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Most of the time these limits are set the same as your liablity limits.

Liability coverages

This protects you from damage or injury you incur to a person or their property. Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. Your policy might show liability limits of 50/100/50 which means a limit of $50,000 per injured person, $100,000 for the entire accident, and a total limit of $50,000 for damage to vehicles and property. Another option is one limit called combined single limit (CSL) that pays claims from the same limit without having the split limit caps.

Liability coverage protects against claims like pain and suffering, loss of income, funeral expenses, legal defense fees and repair costs for stationary objects. How much coverage you buy is a decision to put some thought into, but you should buy as large an amount as possible.

Coverage for medical payments

Medical payments and Personal Injury Protection insurance pay for bills such as doctor visits, ambulance fees, X-ray expenses and pain medications. They are often used in conjunction with a health insurance program or if you are not covered by health insurance. It covers not only the driver but also the vehicle occupants in addition to any family member struck as a pedestrian. Personal Injury Protection is only offered in select states and gives slightly broader coverage than med pay

Make an honest buck

While you’re price shopping online, make sure you don’t buy poor coverage just to save money. There are too many instances where consumers will sacrifice uninsured motorist or liability limits and found out when filing a claim that the few dollars in savings costed them thousands. Your goal should be to buy a smart amount of coverage at an affordable rate while still protecting your assets.

We covered some good ideas how to get a better price on 1992 Oldsmobile Cutlass Ciera insurance. The key concept to understand is the more providers you compare, the higher the chance of saving money. You may even find the most savings is with the smaller companies.

Insureds who switch companies do it for any number of reasons including poor customer service, denial of a claim, high prices or extreme rates for teen drivers. It doesn’t matter what your reason, choosing a new company is actually quite simple.

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