1996 Oldsmobile Ciera Car Insurance Quotes – 10 Tricks for Best Rates

Have you fallen victim to an overpriced insurance coverage policy? You’re preaching to the choir because many drivers have buyer’s remorse.

Online insurance companies like Geico, Farmers Insurance and State Farm continually bombard you with catchy ads and consumers find it hard to ignore the propoganda and take the time to shop coverage around.

Insurance coverage discounts help slash rates

Auto insurance companies don’t always list all possible discounts very clearly, so the list below contains a few of the more well known and the more hidden discounts that you can inquire about if you buy auto insurance online.

• ABS Braking Discount – Anti-lock brake equipped vehicles have fewer accidents and therefore earn up to a 10% discount.
• Low Mileage Discounts – Driving fewer miles could qualify for substantially lower rates.
• Bundled Policy Discount – If you have multiple policies and place coverage with the same company you could get a discount of nearly 15% which can help you find cheap auto insurance.
• Accident-Free Discounts – Drivers who don’t have accidents pay less in comparison to drivers with a long claim history.
• Discounts for Multiple Vehicles – Having multiple cars on a single policy can get a discount on all vehicles.
• Early Signing – A few companies offer discounts for switching policies before your current expiration date. It could save around 10% when you buy auto insurance online.
• Defensive Driving Course – Taking time to complete a course in defensive driver is a good idea and can lower rates and easily recoup the cost of the course.
• Buy New and Save – Putting insurance coverage on a new car can save up to 30% because new model year vehicles keep occupants safer.
• Driver’s Ed – Make teen driver coverage more affordable by requiring them to sucessfully take a drivers education course if it’s offered in school.
• Organization Discounts – Participating in a qualifying organization is a good way to get lower rates on your next renewal.

As a sidenote, many deductions do not apply to the entire policy premium. The majority will only reduce the price of certain insurance coverages like liability, collision or medical payments. Even though it may seem like you would end up receiving a 100% discount, insurance coverage companies aren’t that generous.

Popular insurance coverage companies and their possible discounts can be found below.

• State Farm offers premium reductions for accident-free, defensive driving training, multiple autos, good student, and passive restraint.
• Geico has discounts for daytime running lights, anti-theft, anti-lock brakes, membership and employees, emergency military deployment, multi-vehicle, and military active duty.
• Progressive offers discounts including continuous coverage, multi-vehicle, good student, multi-policy, homeowner, and online signing.
• 21st Century has savings for theft prevention, student driver, early bird, air bags, teen driver, and homeowners.
• American Family may have discounts that include air bags, Steer into Savings, mySafetyValet, bundled insurance, good student, and multi-vehicle.
• The Hartford offers discounts for good student, defensive driver, vehicle fuel type, air bag, driver training, anti-theft, and bundle.
• AAA may include discounts for pay-in-full, good driver, anti-theft, education and occupation, and AAA membership discount.

If you want cheaper auto insurance quotes, ask every company what discounts are available to you. Some of the earlier mentioned discounts may not apply to policies in your area. To find insurance coverage companies that offer discounts, follow this link.

Be skeptical of insurance ads

Insurance companies such as Progressive, Allstate and Geico endlessly run ads on TV and radio. They all advertise the message that drivers will save a bundle if you move your coverage to them. How does each company charge you a lower premium?

Insurance companies give the cheapest rates for the type of driver that earns them a profit. A good example of a preferred risk could possibly be a married female, has other policies, and drives less than 5,000 miles a year. Any new insured that fits those parameters receives the best rates as well as save when they switch companies.

Consumers who do not fit these standards will have to pay higher premium rates and this can result in the driver buying from a lower-cost company. The ads state “people who switch” not “everybody who quotes” save money. That is how companies can truthfully claim big savings. This emphasizes why it’s extremely important to quote coverage with many companies. Because you never know the company that will have the lowest prices for your situation.

Which is the best insurance?

When it comes to buying the right insurance coverage, there isn’t really a cookie cutter policy. Coverage needs to be tailored to your specific needs and your policy should reflect that. Here are some questions about coverages that might help in determining whether you might need an agent’s assistance.

• Does my policy cover me when driving someone else’s vehicle?
• How much underlying liability do I need for an umbrella policy?
• Is my Oldsmobile Ciera covered if I use it for business?
• Is a fancy paint job covered?
• Do I have coverage when pulling a U-Haul trailer?
• Should I buy additional glass protection?

If you don’t know the answers to these questions but a few of them apply, you might consider talking to a licensed insurance agent. To find lower rates from a local agent, simply complete this short form or you can go here for a list of companies in your area.

Car insurance coverage information

Having a good grasp of your policy can be of help when determining the right coverages and the correct deductibles and limits. Insurance terms can be confusing and reading a policy is terribly boring. These are the normal coverages found on the average insurance policy.

Coverage for uninsured or underinsured drivers

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other motorists when they either are underinsured or have no liability coverage at all. It can pay for hospital bills for your injuries as well as damage to your Oldsmobile Ciera.

Since a lot of drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages should not be overlooked.

Liability

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

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You commonly see policy limits of 25/50/25 that translate to a $25,000 limit per person for injuries, a limit of $50,000 in injury protection per accident, and a total limit of $25,000 for damage to vehicles and property.

Liability coverage protects against claims such as repair costs for stationary objects, bail bonds, medical expenses, attorney fees and medical services. How much liability should you purchase? That is a decision to put some thought into, but buy as much as you can afford.

Coverage for medical expenses

Coverage for medical payments and/or PIP provide coverage for bills like EMT expenses, nursing services, doctor visits, prosthetic devices and hospital visits. They can be used to fill the gap from your health insurance plan or if there is no health insurance coverage. Medical payments and PIP cover all vehicle occupants and also covers getting struck while a pedestrian. PIP is not available in all states but it provides additional coverages not offered by medical payments coverage

Auto collision coverage

This coverage pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision can pay for things such as sideswiping another vehicle, hitting a parking meter, sustaining damage from a pot hole and crashing into a building. Paying for collision coverage can be pricey, so consider removing coverage from older vehicles. Another option is to raise the deductible to save money on collision insurance.

Comprehensive insurance

This pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things like theft, fire damage, hail damage, damage from flooding and damage from getting keyed. The most you’ll receive from a claim is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Best coverage at the best price

We just presented many ways to lower your 1996 Oldsmobile Ciera insurance premium rates. It’s most important to understand that the more quotes you get, the higher the chance of saving money. You may even discover the best premium rates are with the least-expected company. These smaller insurers may only write in your state and offer lower prices than the large multi-state companies such as Allstate, Geico and Progressive.

As you go through the steps to switch your coverage, it’s a bad idea to buy less coverage just to save a little money. There are a lot of situations where an insured dropped liability limits or collision coverage only to find out that saving that couple of dollars actually costed them tens of thousands. The ultimate goal is to buy enough coverage at the best possible price and still be able to protect your assets.

Additional detailed information is located by following these links:

• What Does No-Fault Insurance Cover? (Allstate)
• Car Insurance FAQ (Trusted Choice)
• Insurance Losses by Make and Model (iihs.org)
• Safe Vehicles for Teens (iihs.org)
• Drunk Driving Statistics (Insurance Information Insitute)