Cheaper 1998 Oldsmobile Cutlass Car Insurance Quotes

Want cheaper car insurance rates for your Oldsmobile Cutlass? If you’ve never shopped for insurance coverage quotes online, chances are good that you are baffled of local and online companies who claim to have the best car insurance rates.

Low cost auto insurance quotes online

Most larger insurance companies like Progressive, Geico, Allstate and State Farm allow you to get coverage prices from their websites. Comparing rates online is quite easy because you just enter your personal and coverage information as detailed in the form. After you complete the form, their system collects reports for credit and driving violations and provides a quote based on these and other factors.

This makes it simple to compare prices but the process of having to visit multiple sites and type in the same information is a big time waster. But it’s very important to get many rate quotes if you want to get the lowest possible prices on auto insurance.

Keep reading for an easier way to compare prices

The easiest way to find lower prices uses one simple form that gets prices from several companies at one time. It saves time, eliminates repetitive work, and makes online price comparison much more enjoyable. After your information is entered, it is rated and you are able to buy any of the quote results. If one or more price quotes are lower than your current rates, you can click and sign and purchase coverage. This process takes just a few minutes to complete and you’ll know if lower rates are available.

To save time and compare rates using this form now, click here to open in a new tab and complete the simple form. If you have coverage now, it’s recommended that you enter the limits and deductibles exactly as they are listed on your policy. Using the same limits helps guarantee you will have rate quotes using the exact same coverages.

Discount auto insurance rates

Companies offering auto insurance do not list the complete list of policy discounts very clearly, so the list below details a few of the more common and the harder-to-find savings tricks you should be using when you buy insurance coverage online.

• Multiple Vehicles – Purchasing coverage when you have primary and secondary vehicles on one policy can get a discount on all vehicles.
• Pay Now and Pay Less – If you can afford to pay the entire bill as opposed to paying monthly you can actually save on your bill.
• Professional Memberships – Having an affiliation with a civic or occupational organization could trigger savings when getting a insurance coverage quote.
• Active Military Service – Being deployed with a military unit could be rewarded with lower prices.
• Homeowners Pay Less – Being a homeowner can help you save on auto insurance because of the fact that having a home is proof of financial responsibility.
• Save over 55 – Drivers over the age of 55 are able to get lower premium rates on Cutlass insurance.
• Paper-free Discount – A handful of companies will give you a small discount for completing your application on the internet.
• Early Switch Discount – A few larger companies allow discounts for switching policies before your current expiration date. This can save 10% or more.
• Defensive Driving Course – Successfully completing a course teaching defensive driving skills could save 5% or more if your company offers it.

We need to note that some of the credits will not apply to the entire policy premium. Some only apply to individual premiums such as liability and collision coverage. So even though you would think you can get free auto insurance, you aren’t that lucky.

Auto insurance companies who may offer most of these discounts include:

• Farmers Insurance
• Esurance
• State Farm
• Geico
• Allstate

If you need low cost insurance coverage quotes, ask every company the best way to save money. Discounts may not apply to policies in your area. If you would like to view insurance companies with significant discounts, click here.

Tailor your auto insurance coverage to you

When choosing coverage, there really is not a “perfect” insurance plan. Every insured’s situation is different.

Here are some questions about coverages that could help you determine if your insurance needs will benefit from professional help.

• Do I have coverage when making deliveries for my home business?
• If I drive on a suspended license am I covered?
• Do I need medical payments coverage since I have good health insurance?
• Is a fancy paint job covered?
• Does my car insurance cover rental cars?
• How much liability insurance is required?
• Does car insurance cover theft of personal property?
• Can I drive in Mexico and have coverage?

If you don’t know the answers to these questions but you know they apply to you, you might consider talking to a licensed insurance agent. To find an agent in your area, fill out this quick form.

Educate yourself about insurance coverages

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

Liability – Liability insurance will cover damage that occurs to other’s property or people that is your fault. This coverage protects you from claims by other people, and does not provide coverage for 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. Your policy might show values of 25/50/25 which stand for $25,000 bodily injury coverage, a limit of $50,000 in injury protection per accident, and a total limit of $25,000 for damage to vehicles and property.

Liability can pay for claims such as attorney fees, emergency aid, legal defense fees, loss of income and medical services. How much liability should you purchase? That is a personal decision, but it’s cheap coverage so purchase higher limits if possible.

Medical expense insurance – Medical payments and Personal Injury Protection insurance pay for immediate expenses for things like pain medications, nursing services, rehabilitation expenses, EMT expenses and doctor visits. They can be used to fill the gap from your health insurance program or if there is no health insurance coverage. It covers you and your occupants and also covers getting struck while a pedestrian. PIP coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Collision – This will pay to fix damage to your Cutlass caused by collision with a stationary object or other vehicle. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims like sustaining damage from a pot hole, crashing into a building, scraping a guard rail, rolling your car and crashing into a ditch. This coverage can be expensive, so consider dropping it from lower value vehicles. Drivers also have the option to choose a higher deductible in order to get cheaper collision rates.

Comprehensive (Other than Collision) – Comprehensive insurance will pay to fix damage that is not covered by collision coverage. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims such as damage from getting keyed, vandalism and rock chips in glass. The highest amount your insurance company will pay is the actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Protection from uninsured/underinsured drivers – Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other motorists when they do not carry enough liability coverage. It can pay for injuries sustained by your vehicle’s occupants as well as damage to your 1998 Oldsmobile Cutlass.

Due to the fact that many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Feed the piggy bank

While you’re price shopping online, it’s not a good idea to skimp on coverage in order to save money. There are many occasions where consumers will sacrifice liability coverage limits and learned later they didn’t have enough coverage. The goal is to purchase plenty of coverage at the lowest possible cost, not the least amount of coverage.

Low-cost 1998 Oldsmobile Cutlass insurance can be found from both online companies as well as from insurance agents, so get free insurance coverage quotes from both of them so you have a total pricing picture. Some insurance companies may not have online price quotes and many times these regional insurance providers provide coverage only through independent agencies.

You just learned a lot of ways to reduce 1998 Oldsmobile Cutlass insurance rates online. The most important thing to understand is the more you quote insurance coverage, the better chance you’ll have of finding the cheapest insurance coverage. You may even discover the lowest rates come from some of the smallest insurance companies.

Helpful resources

• Coverage Information (Progressive Insurance)
• Five Steps to Filing an Auto Insurance Claim (Insurance Information Insitute)
• Credit and Insurance Scores (Insurance Information Insitute)
• Understanding your Policy (NAIC.org)
• Air Bags: Potential Dangers to Your Children (Insurance Information Insitute)