Lower Your 1992 Oldsmobile Cutlass Ciera Car Insurance Quotes

Want cheaper insurance rates for your Oldsmobile Cutlass Ciera? No sane person fancies paying their premiums for insurance, especially knowing they could find better rates elsewhere.

Multiple car insurance companies compete for your business, and because of this it can be hard to compare insurance companies to find the absolute best rates possible.

It’s a good idea to price shop coverage as often as possible since insurance prices change regularly. Despite the fact that you may have had the lowest rates on Cutlass Ciera coverage a couple years back the chances are good that you can find a lower rate quote today. Block out anything you think you know about insurance because it’s time to teach you how to quote online to reduce your cost while increasing coverage.

How to get free insurance quotes online

When shopping for insurance there are multiple ways to compare quotes from companies that offer insurance in your state. The easiest way to do a complete rate comparison is to get quotes online. It’s really quite simple and can be done by using one of the methods below.

• If you don’t have a lot of time, the easiest way to get the best comparison quotes is an all-inclusive rate comparison like this one (opens in new window). This easy form saves time by eliminating boring form submissions for each company you want a rate for. A single form gets coverage cost estimates direct from many companies.
• A different way to obtain and compare quotes online requires visiting the website for every company you want to comare and repeat the quote process again and again. For sake of this example, we’ll pretend you are doing a rate comparison from USAA, 21st Century and Farmers. To do that, you would have to spend time going to each site individually to input your insurance information, which can get rather old. For a list of companies in your area, click here.

It’s up to you how you get prices quotes, just double check that you are using exactly the same coverages and limits for every company. If you enter different data it will be impossible to make a fair rate comparison. Quoting even small variations in insurance coverages or limits could skew the results. Keep in mind that comparing more rates from different companies provides better odds of finding more affordable insurance.

Are you qualifying for every discount?

Car insurance companies don’t list every disount available very well, so the following is a list of some of the best known and also the more inconspicuous discounts you could be receiving when you buy auto insurance online.

• Discount for Life Insurance – Not every insurance company offers life insurance, but if they do you may earn a lower premium rate if you buy life insurance from them.
• Professional Organizations – Being in certain professional organizations could earn you a nice discount on your policy.
• Employee of Federal Government – Federal government employees could cut as much as 10% off on Cutlass Ciera coverage with select insurance companies.
• Use Seat Belts – Buckling up and requiring all passengers to buckle up before driving can save 10% or more on medical payment and PIP coverage.
• Multi-car Discount – Buying a policy with more than one vehicle with the same company can reduce the rates for all insured vehicles.
• New Vehicle Savings – Insuring a vehicle that is new can get you a discount since newer vehicles are generally safer.
• Cautious Driver Discount – Insureds who avoid accidents can save up to 40% or more on their auto insurance quote on Cutlass Ciera coverage than drivers with accidents.
• Active Military Service – Being on active deployment in the military could be rewarded with lower prices.
• Good Student – This discount could provide a savings of up to 20% or more. You can use this discount normally well after school through age 25.
• No Charge for an Accident – This one isn’t a discount, but certain companies will turn a blind eye to one accident without getting socked with a rate hike if you are claim-free prior to being involved in the accident.

Don’t be surprised that some of the credits will not apply the the whole policy. Some only apply to specific coverage prices like comp or med pay. Even though it appears you would end up receiving a 100% discount, that’s just not realistic. But all discounts will reduce your policy premium.

To locate insurance companies with discount auto insurance rates, click here.

When in doubt talk to an agent

When it comes to choosing the right insurance coverage for your vehicles, there is no best way to insure your cars. Everyone’s situation is unique so your insurance should reflect that These are some specific questions can aid in determining if your situation might need an agent’s assistance.

• Do all my vehicles need collision coverage?
• What are the financial responsibility laws in my state?
• Does my car insurance cover rental cars?
• Is my babysitter covered when using my vehicle?
• How does medical payments coverage work?
• Will I be non-renewed for getting a DUI or other conviction?
• What should my uninsured motorist coverage limits be in my state?
• What is high-risk coverage and where do I buy it?

If you don’t know the answers to these questions but you know they apply to you, you may need to chat with a licensed insurance agent. If you want to speak to an agent in your area, complete this form or you can go here for a list of companies in your area.

Insurance coverages 101

Having a good grasp of your insurance policy can be of help when determining the best coverages for your vehicles. The terms used in a policy can be confusing and even agents have difficulty translating policy wording. Below you’ll find typical coverages offered by insurance companies.

Collision coverage protection

This pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. A deductible applies and then insurance will cover the remainder.

Collision can pay for things like colliding with another moving vehicle, hitting a mailbox and sustaining damage from a pot hole. Collision is rather expensive coverage, so consider dropping it from vehicles that are older. Drivers also have the option to increase the deductible to get cheaper collision coverage.

Liability

This coverage protects you from injuries or damage you cause to a person or their property that is your fault. This coverage protects you from claims by other people. Liability doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have policy limits of 50/100/50 which stand for a $50,000 limit per person for injuries, $100,000 for the entire accident, and a limit of $50,000 paid for damaged property. Alternatively, you may have a combined single limit or CSL that pays claims from the same limit rather than limiting it on a per person basis.

Liability coverage pays for claims like pain and suffering, repair costs for stationary objects, attorney fees, structural damage and emergency aid. How much liability should you purchase? That is a personal decision, but buy as high a limit as you can afford.

Protection from uninsured/underinsured drivers

This gives you protection from other drivers when they either are underinsured or have no liability coverage at all. This coverage pays for hospital bills for your injuries and also any damage incurred to your Oldsmobile Cutlass Ciera.

Since many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Normally these limits do not exceed the liability coverage limits.

Comprehensive (Other than Collision)

Comprehensive insurance pays for damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for things like hail damage, vandalism and rock chips in glass. The maximum amount your insurance company will pay is the ACV or actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Medical expense insurance

Med pay and PIP coverage pay for bills for things like pain medications, funeral costs, chiropractic care and hospital visits. They are used to fill the gap from your health insurance policy or if you are not covered by health insurance. It covers both the driver and occupants and also covers being hit by a car walking across the street. PIP is not an option in every state but it provides additional coverages not offered by medical payments coverage