1990 Oldsmobile Cutlass Ciera Insurance Rates – 9 Savings Tips

Looking for better car insurance rates for your Oldsmobile Cutlass Ciera? Scraping up a payment for pricey Oldsmobile Cutlass Ciera insurance can dwindle your accounts and put the squeeze on your family’s finances. Shopping your coverage around is a great way to reduce premiums and put more money in your pocket.

Numerous insurance companies battle for your hard-earned dollar, and because of this it can be hard to compare insurance companies to discover the definitive best price available.

Low cost car insurance prices

Most major insurance companies like Geico, State Farm and Progressive make it easy to get price estimates direct online. Comparing rates online is pretty painless as you just type in your coverage information into the form. Upon sending the form, the quote system automatically orders reports for credit and driving violations and quotes a price based on these factors. Being able to quote online makes comparing rates easy, but the process of having to visit multiple sites and complete many quote forms gets old quite quickly. But it is imperative to get many rate quotes in order to find the best price possible.

The easy way to compare rates

The preferred way to compare car insurance pricing uses one simple form that gets price quotes from several companies at one time. It saves time, reduces the work, and makes online shopping much simpler. Immediately after submitting the form, it is quoted and you can choose any one of the price quotes you receive. If one or more price quotes are lower than your current rates, you can click and sign and purchase the new policy. This process can be completed in less than 10 minutes and may save quite a bit of money.

To save time and find out if lower rates are available, click here and begin entering your coverage information. If you have a policy now, it’s recommended you copy identical to your current policy. This guarantees you are getting a rate comparison for exact coverage.

Auto insurance policy discounts

Companies don’t list every available discount in an easy-to-find place, so we took the time to find both well-publicized and also the lesser-known auto insurance savings.

• Discounts for Responsible Drivers – Accident-free drivers may receive a discount up to 45% on Cutlass Ciera coverage as compared to drivers with claims.
• Early Switch Discount – Some companies give discounts for buying a policy before your current coverage expires. This discount can save up to 10%.
• Discount for Passive Restraints – Vehicles with factory air bags or automatic seat belts could see savings of 20 to 30 percent.
• Telematics Data – Insureds who allow their auto insurance company to scrutinize when and where they use their vehicle through the use of a telematics system such as In-Drive from State Farm or Allstate’s Drivewise system could see a rate decrease if they have good driving habits.
• Multiple Vehicles – Buying coverage for multiple cars on a single policy can reduce the rates for all insured vehicles.
• Pay Upfront and Save – If you pay your bill all at once instead of paying each month you may have a lower total premium amount.
• College Student Discount – Children who attend college more than 100 miles from home and don’t have a car can receive lower rates.
• E-sign Discounts
• Driver Safety – Participating in a class that teaches defensive driving techniques could cut 5% off your bill and also improve your driving technique.

Remember that most discount credits are not given the the whole policy. The majority will only reduce the price of certain insurance coverages like collision or personal injury protection. Even though it may seem like you would end up receiving a 100% discount, insurance companies wouldn’t stay in business.

Some companies that may offer policyholders these benefits include:

• Geico
• MetLife
• Progressive
• Travelers
• SAFECO
• AAA

If you want cheap insurance quotes, ask each company to apply every possible discount. Depending on the company, some discounts may not be offered everywhere. If you would like to see a list of insurers with the best discounts, click here to view.

How do I know if I need professional advice?

When choosing proper insurance coverage, there is no perfect coverage plan. Everyone’s needs are different so your insurance needs to address that. Here are some questions about coverages that might point out if you would benefit from an agent’s advice.

• I have good health insurance, so how much medical payments coverage do I need?
• Is other people’s property covered if stolen from my vehicle?
• Is my camper covered by my car insurance policy?
• Is my teenager covered with friends in the car?
• What is PIP insurance?
• Do I have coverage if my license is suspended?
• Are my tools covered if they get stolen from my vehicle?
• When can I cancel my policy?

If it’s difficult to answer those questions but you know they apply to you, you may need to chat with an insurance agent. To find lower rates from a local agent, complete this form or go to this page to view a list of companies.

Smaller companies may have the best rates

Well-known car insurance companies like Geico, State Farm and Progressive constantly bombard you with ads on television and other media. They all try to convey promises that you’ll save big if you get a free insurance quote and switch your policy. How does every car insurance company say the same thing? Here is how they do it.

Companies quote their best rates for the type of driver that earns them the highest profit. A good example of a preferred risk may be between 30 and 50, has a clean driving record, and chooses high deductibles. Any driver that hits that “sweet spot” will qualify for the lowest auto insurance rates as well as save quite a bit of money when switching.

People who don’t qualify for the ideal profile will see higher premiums which leads to business going elsewhere. The ads say “people who switch” not “everyone who quotes” save that much when switching. That is how insurance companies can confidently make it sound like they have such great prices. This really drives home the point why you should do a quote comparison often. It’s impossible to know with any certainty which company will have the lowest premium rates for your situation.

Car insurance coverages explained

Knowing the specifics of car insurance can be of help when determining the best coverages at the best deductibles and correct limits. Policy terminology can be impossible to understand and coverage can change by endorsement. Listed below are typical coverages found on most car insurance policies.

Uninsured/Underinsured Motorist coverage

This provides protection from other motorists when they do not carry enough liability coverage. It can pay for medical payments for you and your occupants and also any damage incurred to your Oldsmobile Cutlass Ciera.

Because many people carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is very important.

Comprehensive coverage

This covers damage from a wide range of events other than collision. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things like a tree branch falling on your vehicle, theft and falling objects. The most your car insurance company will pay is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Collision protection

This pays to fix your vehicle from damage from colliding with another car or object. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for things like rolling your car, sustaining damage from a pot hole and crashing into a building. This coverage can be expensive, so analyze the benefit of dropping coverage from lower value vehicles. It’s also possible to choose a higher deductible to get cheaper collision coverage.

Auto liability insurance

Liability insurance protects you from damage or injury you incur to other people or property in an accident. Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show values of 50/100/50 that translate to a limit of $50,000 per injured person, $100,000 for the entire accident, and a limit of $50,000 paid for damaged property.

Liability coverage pays for things like legal defense fees, pain and suffering, medical services and funeral expenses. How much coverage you buy is up to you, but you should buy as large an amount as possible.

Medical payments coverage and PIP

Med pay and PIP coverage reimburse you for expenses for things like EMT expenses, dental work, X-ray expenses and nursing services. They are used to cover expenses not covered by your health insurance policy or if you do not have health coverage. It covers all vehicle occupants and also covers if you are hit as a while walking down the street. PIP coverage is not an option in every state and may carry a deductible

More quotes mean more savings

Some insurance companies don’t offer the ability to get quotes online and most of the time these small, regional companies prefer to sell through local independent agents. More affordable car insurance can be bought both online and also from your neighborhood agents, so you need to compare both to have the best chance of lowering rates.

We’ve covered some good ideas how you can save on 1990 Oldsmobile Cutlass Ciera insurance. It’s most important to understand that the more companies you get auto insurance rates for, the better your chances of lowering your auto insurance rates. Consumers could even find that the lowest rates are with the smaller companies. Smaller companies may only write in your state and offer lower auto insurance rates than the large multi-state companies such as Progressive and Geico.

Additional information is available on the following sites:

• Teen Driving Statistics (Geico)
• Winter Driving (Insurance Information Insitute)
• Alcohol Impaired Driving FAQ (iihs.org)
• How Can I Save Money on Auto Insurance? (Insurance Information Insitute)