How Much Does 1994 Oldsmobile Cutlass Ciera Car Insurance Cost?

Have you finally had enough of not being able to afford to buy car insurance? You’re in the same situation as many other consumers. Companies like Progressive, State Farm and Geico continually hit you with catchy ads and it is challenging if not impossible to not get sucked in by the cute commercials and effectively compare rates to find the best deal.

It’s a great practice to take a look at other company’s rates periodically because prices tend to go up over time. Despite the fact that you may have had the lowest quotes on Cutlass Ciera insurance last year you can probably find a better rate now. There are a lot of ways to save on car insurance online but I’m going to show you some proven techniques to lower your car insurance rates.

Buy insurance online

Performing a rate comparison can be challenging if you aren’t aware of the fastest way to get free quotes. You can waste a few hours (or days) driving to insurance companies in your area, or you can utilize the web for quick rates.

All the larger companies participate in an industry program that enables customers to only type in their quote data once, and at least one company then gives them pricing. This system prevents you from having to do form submissions for each company.

To use this form to compare rates click here to open in new window.

The one downside to using this type of form is buyers cannot specifically choose which insurance companies you want pricing from. If you prefer to choose from a list of companies to compare rates, we put together a list of insurance companies in your area. Click to view list.

How you compare quotes is your choice, just compare exactly the same quote information for each price quote. If you are comparing different limits and deductibles on each one it’s not possible to make a fair rate comparison.

How car insurance companies determine Oldsmobile Cutlass Ciera insurance rates

When buying car insurance it’s important to understand the factors that come into play when calculating your premiums. If you understand what determines premiums, this helps enable you to make changes that may result in much lower annual insurance costs.

• Deter theft and reduce prices – Driving a car with anti-theft technology or alarm system can help lower your rates. Anti-theft devices like OnStar found on GM vehicles, advanced tracking like LoJack, and vehicle immobilization systems can thwart auto theft.
• Accidents can increase costs – Attentive drivers receive lower rates compared to drivers with tickets. Only having one driving citation can boost insurance rates by as much as twenty percent. Drivers with serious violations such as reckless driving, hit and run or driving under the influence might be required by their state to file a proof of financial responsibility form (SR-22) to the state department of motor vehicles in order to prevent a license revocation.
• Men drivers tend to cost more – The statistics show that women are safer drivers than men. That doesn’t necessarily mean that women are better drivers. Males and females have at-fault accidents at about the same rate, but males get into accidents with more damage. In addition to higher claims, males also receive more costly citations like driving under the influence (DUI).
• Raise your physical damage deductibles for better prices – The deductibles you choose state the amount of money you are required to spend before a claim is paid by your company. Physical damage coverage, commonly called comprehensive (or other-than-collision) and collision coverage, protects your car from damage. Some instances where coverage would apply could be rearending another vehicle, collision with a deer, and damage from wind. The more you pay before a claim is paid (deductible), the less money you will pay for car insurance on Cutlass Ciera insurance.

Don’t overlook these insurance discounts

Not too many consumers would say insurance is affordable, but there could be available discounts that you may not even know about. Certain credits will be shown when you get a quote, but some need to be requested specifically before being credited. If you’re not getting every credit possible, you could be paying more than you need to.

• Switch and Save Discount – Some insurance companies give discounts for buying a policy prior to the expiration date on your current policy. Ten percent is about the average savings.
• Accident-Free Discounts – Insureds with no claims or accidents pay much less when compared to policyholders that have many claims.
• Bundled Policy Discount – If you can bundle your homeowners and auto insurance and insure them both with the same insurance company they may give you a discount of up to 20% and get you the cheapest insurance coverage.
• Telematics Devices – Drivers who agree to allow companies to study driving patterns by using a telematics device in their vehicle such as Allstate’s Drivewise and State Farm’s In-Drive system may get a rate reduction if they show good driving skills.
• E-sign Discounts
• Savings for New Vehicles – Insuring a new car can save up to 30% because newer models have to meet stringent safety requirements.
• Professional Organizations – Belonging to a professional or civic organization may earn a discount on insurance.
• Senior Citizens – Drivers over the age of 55 can get a slight reduction on a insurance coverage quote on Cutlass Ciera insurance.

It’s important to understand that most discount credits are not given to the entire cost. A few only apply to the price of certain insurance coverages like comp or med pay. So despite the fact that it appears all those discounts means the company will pay you, it doesn’t quite work that way.

Companies that may offer these benefits include:

• Progressive
• Geico
• State Farm
• Esurance
• The Hartford

If you want the cheapest insurance coverage quotes, ask each company or agent how many discounts you can get. Some discounts listed above might not be offered on policies in your area. If you would like to view insurance companies that offer multiple discounts, click this link.

When to get professional advice

When buying proper insurance coverage for your vehicles, there really is no “best” method to buy coverage. Every situation is different so your insurance should reflect that These are some specific questions can aid in determining whether or not you might need professional guidance.

• What is roadside assistance coverage?
• Does my policy pay for OEM or aftermarket parts?
• When would I need rental car insurance?
• Am I covered if my car is in a flood?
• Is my business laptop covered if it gets stolen from my vehicle?
• Am I getting all the discounts available?
• Are rock chip repairs covered?
• Am I covered when using my vehicle for business?

If it’s difficult to answer those questions but a few of them apply, then you may want to think about talking to an insurance agent. If you don’t have a local agent, take a second and complete this form or go to this page to view a list of companies. It’s fast, doesn’t cost anything and can help protect your family.

Insurance coverages explained

Learning about specific coverages of a insurance policy aids in choosing appropriate coverage for your vehicles. Policy terminology can be confusing and reading a policy is terribly boring. These are typical coverages found on the average insurance policy.

Uninsured/Underinsured Motorist (UM/UIM)

Uninsured or Underinsured Motorist coverage provides protection from other motorists when they either have no liability insurance or not enough. This coverage pays for injuries to you and your family as well as your vehicle’s damage.

Due to the fact that many drivers have only the minimum liability required by law, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Normally the UM/UIM limits do not exceed the liability coverage limits.

Comprehensive insurance

This coverage will pay to fix damage OTHER than collision with another vehicle or object. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage protects against claims such as hitting a deer, fire damage and damage from a tornado or hurricane. The most you’ll receive from a claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Liability coverage

This will cover damage that occurs to other’s property or people. This coverage protects you from claims by other people, and does not provide coverage for your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see limits of 50/100/50 which stand for a $50,000 limit per person for injuries, a per accident bodily injury limit of $100,000, and a limit of $50,000 paid for damaged property. Some companies may use one number which is a combined single limit which limits claims to one amount with no separate limits for injury or property damage.

Liability can pay for claims like legal defense fees, court costs, pain and suffering and medical services. The amount of liability coverage you purchase is a personal decision, but you should buy higher limits if possible.

Med pay and Personal Injury Protection (PIP)

Personal Injury Protection (PIP) and medical payments coverage provide coverage for immediate expenses such as nursing services, prosthetic devices and chiropractic care. The coverages can be used to fill the gap from your health insurance plan or if you do not have health coverage. It covers all vehicle occupants as well as any family member struck as a pedestrian. PIP is only offered in select states but it provides additional coverages not offered by medical payments coverage

Coverage for collisions

Collision insurance pays to fix your vehicle from damage from colliding with an object or car. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims such as crashing into a building, rolling your car and hitting a parking meter. This coverage can be expensive, so you might think about dropping it from vehicles that are older. Another option is to increase the deductible to get cheaper collision coverage.

Have money to burn

A few companies don’t offer internet price quotes and these regional carriers work with local independent agencies. Lower-priced auto insurance is available on the web in addition to local insurance agencies, so you should compare both so you have a total pricing picture.

You just read a lot of techniques to lower your 1994 Oldsmobile Cutlass Ciera insurance rates. The most important thing to understand is the more price quotes you have, the higher your chance of finding the cheapest insurance coverage. You may even find the biggest savings come from a smaller regional carrier. Regional companies may only write in your state and offer lower car insurance rates as compared to the big name companies such as Allstate, Geico and Progressive.

When searching for affordable insurance coverage quotes, you should never sacrifice coverage to reduce premiums. There have been many cases where consumers will sacrifice collision coverage only to regret at claim time that a couple dollars of savings turned into a financial nightmare. The goal is to buy the best coverage you can find for the lowest price, but do not skimp to save money.

More tips and info about auto insurance can be read in the articles below:

• What is a Telematics Device? (Allstate)
• Steps to Take After an Auto Accident (Insurance Information Insitute)
• Tread Depth and Tire Safety (State Farm)
• Safety Belts FAQ (iihs.org)
• No-Fault Auto Insurance Statistics (Insurance Information Insitute)