1995 Oldsmobile Ciera Insurance Cost – 8 Ways to Save

Searching for lower auto insurance rates for your Oldsmobile Ciera? Wish you could get a refund on overpriced auto insurance? Trust us when we tell you you’re not alone. Because you have many choices of insurance companies, it’s difficult to pick the most cost effective company.

Finding the best rates is quite easy. If you have insurance now or need a new policy, you can use these tips to reduce the price you pay while maintaining coverages. Vehicle owners just need to know the proper methods to shop for car insurance online.

Cheapest insurance quotes

All the larger insurance companies like Allstate and Progressive make it easy to get prices for coverage direct online. Comparing rates online is very simple as you simply enter the coverages you want into the quote form. Once entered, their quoting system will obtain information on your driving record and credit history and returns a price quote based on many factors. Quoting online streamlines rate comparisons, but the work required to visit each company’s website and repetitively type in the same data gets old quite quickly. But it’s very important to compare as many rates as possible in order to get better prices.

There is an easier way!

The easiest way to compare rates is to use a quote form that analyzes rates from several different companies. This type of form saves time, eliminates repetitive work, and makes comparison shopping a little more enjoyable. Once the form is submitted, it is rated with multiple companies and you can pick any or none of the returned quotes. If a lower price is quoted, you simply finish the application and purchase coverage. The entire process takes just a few minutes to complete and may save quite a bit of money.

To save time and find out how much you’re overpaying now, simply click here to open in new window and enter your vehicle and coverage information. If you have coverage now, it’s recommended you enter your coverages just like they are on your policy. Doing this guarantees you are getting a rate comparison for the exact same coverage.

Double check you’re getting with these eight discounts

Insurance can be prohibitively expensive, but you might already qualify for some discounts to reduce the price significantly. Larger premium reductions will be automatically applied at the time of quoting, but less common discounts must be asked about before you will receive the discount.

  • Discount for Good Grades – A discount for being a good student can save 20 to 25%. The good student discount can last well after school through age 25.
  • Renewal Discounts – A few companies offer discounts for renewing your policy before your current expiration date. This can save 10% or more.
  • Cautious Driver Discount – Drivers who avoid accidents can save as much as half off their rates on Ciera insurance than drivers with accident claims.
  • Defensive Driver Discounts – Passing a class that teaches defensive driving techniques could possibly earn you a 5% discount if you qualify.
  • Low Mileage Discounts – Keeping the miles down on your Oldsmobile could qualify for lower rates on the low mileage vehicles.
  • Save with a New Car – Buying insurance coverage on a new vehicle can save up to 30% because newer models have to meet stringent safety requirements.
  • Claim Free – Drivers who stay claim-free are rewarded with significantly better rates on car insurance quote in comparison to policyholders that have many claims.
  • Passive Restraint Discount – Options like air bags or automatic seat belts may earn rate discounts of more than 20%.

Drivers should understand that some of the credits will not apply to the entire cost. Some only reduce specific coverage prices like physical damage coverage or medical payments. So even though you would think you could get a free insurance policy, it just doesn’t work that way.

A partial list of companies that may have these benefits may include but are not limited to:

Before purchasing a policy, check with all companies you are considering what discounts are available to you. Depending on the company, some discounts might not be offered on policies in your area.

Your situation helps dictate your coverage

When buying the best insurance coverage for your vehicles, there is no “best” method to buy coverage. Every situation is different so this has to be addressed. These are some specific questions could help you determine whether or not you might need professional guidance.

  • Do I need more liability coverage?
  • Is upholstery damage covered by car insurance?
  • When would I need rental car insurance?
  • Does my insurance cover my expensive audio equipment?
  • Does coverage extend to my business vehicle?
  • Are my friends covered when driving my 1995 Oldsmobile Ciera?
  • Can I pay claims out-of-pocket if I buy high deductibles?

If you don’t know the answers to these questions but you think they might apply to your situation, then you may want to think about talking to a licensed agent. If you don’t have a local agent, simply complete this short form or you can also visit this page to select a carrier It is quick, free and may give you better protection.

The largest companies are not always cheapest

Consumers can’t avoid all the ads that claim the cheapest rates from companies such as Allstate and Progressive. They all seem to make the point that you can save if you change your coverage to them.

How can each company cost less than your current company? You have to listen carefully.

All the different companies are able to cherry pick for the type of insured that makes them money. An example of this type of driver could be between the ages of 40 and 55, has a clean driving record, and chooses high deductibles. Any person who matches that profile will probably get cheap car insurance rates and will probably save if they switch.

Insureds who may not quite match the “perfect” profile will have to pay more expensive rates and ends up with the customer buying from a different company. If you pay close attention to the ads, they say “people that switch” not “everyone who quotes” save that much money. That is how companies can truthfully make claims like that. Because each company has a different risk profile, it’s extremely important to get a wide range of price quotes. It’s impossible to know which company will have better rates than you’re paying now.

Car insurance coverage basics

Learning about specific coverages of your policy can help you determine the best coverages and the correct deductibles and limits. The terms used in a policy can be confusing and coverage can change by endorsement. Shown next are the normal coverages offered by car insurance companies.

Uninsured or underinsured coverage – Uninsured or Underinsured Motorist coverage gives you protection from other motorists when they are uninsured or don’t have enough coverage. Covered losses include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since many drivers have only the minimum liability required by law, their limits can quickly be used up. For this reason, having high UM/UIM coverages is a good idea.

Coverage for liability – This will cover injuries or damage you cause to other people or property that is your fault. Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see liability limits of 100/300/100 that means you have $100,000 bodily injury coverage, $300,000 for the entire accident, and a limit of $100,000 paid for damaged property.

Liability coverage protects against claims such as loss of income, repair costs for stationary objects and emergency aid. How much liability coverage do you need? That is your choice, but it’s cheap coverage so purchase higher limits if possible.

Comprehensive protection – This coverage 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 coverage protects against claims such as damage from a tornado or hurricane, theft, hail damage and vandalism. The maximum amount a car insurance company will pay at claim time is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Medical expense coverage – Med pay and PIP coverage reimburse you for immediate expenses such as surgery, doctor visits, X-ray expenses, chiropractic care and ambulance fees. They are utilized in addition to your health insurance plan or if you do not have health coverage. They cover all vehicle occupants and also covers any family member struck as a pedestrian. Personal Injury Protection is only offered in select states but can be used in place of medical payments coverage

Collision coverage – Collision insurance pays for damage to your Ciera from colliding with an object or car. A deductible applies and then insurance will cover the remainder.

Collision coverage protects against claims such as colliding with a tree, scraping a guard rail, hitting a parking meter and backing into a parked car. Collision is rather expensive coverage, so consider dropping it from vehicles that are 8 years or older. You can also bump up the deductible in order to get cheaper collision rates.

Quote often and quote early

In this article, we presented some good ideas how you can shop for 1995 Oldsmobile Ciera insurance online. The most important thing to understand is the more providers you compare, the higher the chance of saving money. You may be surprised to find that the biggest savings come from the smaller companies. Smaller companies may cover specific market segments cheaper compared to the large companies like Allstate and Progressive.

Lower-priced 1995 Oldsmobile Ciera insurance is available online and from local agencies, so get free car insurance quotes from both of them to get a complete price analysis. Some insurance providers may not offer online quoting and most of the time these smaller companies work with local independent agencies.

For more information, feel free to browse the following helpful articles:

Comments About 1995 Oldsmobile Ciera Insurance

  1. Celine Fields

    I think GEICO has low rates in California. For me anyway.

  2. Gene Rutledge

    If you have a good history and live in the vicinity of Lexington, KY, check out GEICO. They seem to be cheaper. Just liability coverage since it’s getting old.

  3. Eda Wiley

    Is State Farm cheaper than GEICO in Providence, RI?

  4. Viola Fox

    Does GEICO have good claim service?

  5. Alice Calderon

    Any Progressive or Eastwood customers near Denver, Colorado?

  6. Selene Bowen

    I chose to switch to Allstate from Auto-Owners. I live in Des Moines, IA. I have several vehicles insured with them. They have free quotes online.

  7. Laurence Wyatt

    Allstate is decent in Baton Rouge, LA.

  8. Meryl Lester

    Nice info. I’m in Jackson, Mississippi. I got free prices from State Farm, Auto-Owners, and some I forget for my Ciera and saved $118 a year. Was with Progressive. They have a lot of discounts available. Just liability coverage since it’s getting old.

  9. Chester Zamora

    From north side of Greensboro, North Carolina. I quoted with Travelers, AAA, GMAC, and Safeco for my Ciera and saved around $90 a year. Good multi-policy discounts. Bought it from an online quote.

  10. Marcell Miranda

    From Rochester, New York and for me 21st Century had the lowest quote. I increased coverages a little too. God forbid I actually have a claim.

  11. Charise Brown

    Cheap is relative. Went with Esurance for my Ciera and cut my rates about $80 a year. Ask about discounts. I quoted rates online then called them. Liability only on my Oldsmobile.

  12. Branda Reid

    Checking in from Rutland, VT. Compared rates from a lot of places. Saved roughly $20 a month. 21st Century was the most affordable for me. Was with American Family. I don’t insure for physical damage though.

  13. Micki Franco

    Just a quick comment on my experience. I’m just west of Hartford, CT. Quoted rates from The General, American Family, Nationwide, and a couple others for my Oldsmobile and saved $105 a year. Left Eastwood to switch. Good multi-policy discounts.

  14. Corene Buchanan

    Mine is so expensive. I’m in Madison, Wisconsin. I quoted with AIG Insurance, Sentry, and a few others for my Ciera and I’m now saving $15 a month. Insured with Erie before. A clean driving record helps.

  15. Thao Blair

    If you’re from Las Cruces, NM get quotes from Allstate and GEICO and you might save.

  16. Paola Meyers

    I’m in the west part of Green Bay, WI. Quoted rates from Allstate, GMAC, and Eastwood for my Ciera and saved about $110 a year. I got prices on the web. My Ciera doesn’t have full coverage.