1990 Oldsmobile Cutlass Calais Car Insurance Quotes – 8 Tricks for Best Rates

Looking for better insurance coverage rates for your Oldsmobile Cutlass Calais? Searching for cheaper insurance coverage can appear to be rather difficult for consumers new to comparing rates on the web. With such a big selection of agents and online companies available, how are consumers able to have time to compare every company in order to find the best price?

Cheaper rates with these eight discounts

Auto insurance is not cheap nor is it fun to buy but you may find discounts to help offset the cost. Some discounts will apply at the time of purchase, but less common discounts must be specially asked for prior to receiving the credit.

• Pay Early and Save – By paying your policy upfront rather than paying in monthly installments you could save 5% or more.
• Theft Prevention Discount – Cars and trucks with anti-theft systems are stolen with less frequency and earn discounts up to 10% off your auto insurance quote.
• Anti-lock Brake Discount – Vehicles that have anti-lock braking systems are safer to drive so companies give up to a 10% discount.
• Defensive Driver Discounts – Taking part in a class that teaches defensive driver techniques may get you a small discount and also improve your driving technique.
• Professional Organizations – Being in qualifying employment or professional organizations could trigger savings on your next auto insurance statement.
• Passenger Safety Discount – Vehicles with factory air bags or motorized seat belts can get savings of up to 25% or more.
• Life Insurance Discount – Insurance companies who offer life insurance give a small discount if you purchase a life insurance policy as well.
• Online Discount – A few companies give back up to $50 for completing your application on the web.

Discounts lower rates, but many deductions do not apply to all coverage premiums. A few only apply to the price of certain insurance coverages like liability, collision or medical payments. So even though it sounds like having all the discounts means you get insurance for free, you aren’t that lucky. Any amount of discount will definitely reduce the amount you pay for coverage.

A few of the larger companies and a summarized list of policyholder discounts can be found below.

• State Farm discounts include safe vehicle, multiple policy, student away at school, multiple autos, Drive Safe & Save, and defensive driving training.
• Geico may include discounts for air bags, military active duty, driver training, seat belt use, and anti-theft.
• SAFECO offers discounts including bundle discounts, multi-car, teen safe driver, anti-theft, and teen safety rewards.
• Farmers Insurance may offer discounts for mature driver, teen driver, homeowner, good student, pay in full, multi-car, and early shopping.
• AAA has savings for anti-theft, AAA membership discount, pay-in-full, education and occupation, and good driver.
• USAA may have discounts that include multi-policy, vehicle storage, driver training, good student, and defensive driver.

If you want affordable auto insurance quotes, ask each company which discounts you qualify for. Some of the earlier mentioned discounts might not be offered on policies in your state. If you would like to see a list of providers who offer cheap auto insurance quotes, click here to view.

Auto insurance can be complex

When it comes to choosing proper insurance coverage, there isn’t really a “perfect” insurance plan. Each situation is unique.

Here are some questions about coverages that can aid in determining whether your personal situation will benefit from professional help.

• Does my 1990 Oldsmobile Cutlass Calais need full coverage?
• Are my friends covered when driving my car?
• Is my state a no-fault state?
• Can I rate high risk drivers on liability-only vehicles?
• Where can I find DUI or SR-22 insurance?
• Do I need an umbrella policy?
• Are there companies who specialize in insuring high-risk drivers?
• When does my teenage driver need to be added to my policy?

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

Auto insurance 101

Learning about specific coverages of insurance can help you determine the right coverages and proper limits and deductibles. The terms used in a policy can be difficult to understand and nobody wants to actually read their policy.

Comprehensive coverage (or Other than Collision)

This covers damage that is not covered by collision coverage. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims like damage from a tornado or hurricane, a broken windshield, hitting a deer and damage from flooding. The maximum amount you can receive from a comprehensive claim is the cash value of the vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

Liability

This will cover damage that occurs to other people or property by causing an accident. It protects YOU from legal claims by others, and doesn’t cover damage sustained by your vehicle in an accident.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see limits of 50/100/50 that translate to $50,000 in coverage for each person’s injuries, $100,000 for the entire accident, and a limit of $50,000 paid for damaged property.

Liability coverage protects against claims such as emergency aid, medical services, attorney fees and legal defense fees. The amount of liability coverage you purchase is up to you, but consider buying as much as you can afford.

Auto collision coverage

Collision coverage pays for damage to your Cutlass Calais resulting from a collision with another car or object. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for things like scraping a guard rail, driving through your garage door, backing into a parked car, colliding with another moving vehicle and hitting a mailbox. Collision coverage makes up a good portion of your premium, so consider removing coverage from older vehicles. You can also choose a higher deductible in order to get cheaper collision rates.

Insurance for medical payments

Coverage for medical payments and/or PIP reimburse you for short-term medical expenses for hospital visits, pain medications and doctor visits. They are used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. They cover all vehicle occupants and will also cover any family member struck as a pedestrian. Personal Injury Protection is not available in all states but it provides additional coverages not offered by medical payments coverage

Uninsured Motorist or Underinsured Motorist insurance

This coverage gives you protection when the “other guys” either are underinsured or have no liability coverage at all. This coverage pays for hospital bills for your injuries as well as your vehicle’s damage.

Since a lot of drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is a good idea.

Final thoughts

The cheapest 1990 Oldsmobile Cutlass Calais insurance can be purchased from both online companies and also from your neighborhood agents, so you need to quote auto insurance with both to have the best rate selection. There are still a few companies who may not have online quoting and many times these small insurance companies work with local independent agents.

When shopping online for insurance coverage, it’s very important that you do not reduce needed coverages to save money. There are too many instances where an accident victim reduced comprehensive coverage or liability limits only to regret at claim time that the small savings ended up costing them much more. The ultimate goal is to buy a smart amount of coverage at the best price, not the least amount of coverage.

People change insurance companies for a number of reasons such as denial of a claim, questionable increases in premium, an unsatisfactory settlement offer or even policy cancellation. No matter why you want to switch, finding the right insurance coverage provider is pretty easy and you might even save some money in the process.

Much more information about insurance coverage can be found on the following sites:

• Side Impact Crash Tests (iihs.org)
• Insuring a Leased Car (Insurance Information Insitute)
• Auto Insurance 101 (About.com)
• Top Signs Your Brakes are Giving Out (State Farm)
• Electronic Stability Control FAQ (iihs.org)