Save on 1999 Oldsmobile Cutlass Insurance Quotes

Looking for the cheapest car insurance rates for your Oldsmobile Cutlass? Are you sick and tired of robbing Peter to pay Paul to pay your car insurance bill each month? You are in the same boat as most other vehicle owners. Big companies like Progressive, Geico and Farmers Insurance all claim big savings with ad campaigns and it can be hard to ignore the promise of big savings and take the time to shop coverage around.

If you have a current auto insurance policy or are looking for a new policy, you can use this information to find the best rates while maintaining coverages. Finding the best rates is easy if you know what you’re doing. Drivers only need an understanding of the best way to get comparison quotes on the web.

The most recommended method to get rate comparisons takes advantage of the fact most insurance companies pay for the opportunity to provide you with a free rate quote. All consumers are required to do is provide a little information including if a SR-22 is needed, types of safety features, coverage limits, and if your license is active. Your information is submitted instantly to multiple top-rated companies and you get price estimates instantly.

To find lower rates now, click here and enter the information requested.

Don’t overlook these insurance discounts

Some companies do not advertise every discount very well, so the list below contains both the well known and also the more inconspicuous insurance savings. If they aren’t giving you every credit you qualify for, you could be saving more on your insurance.

• Defensive Driver Discount – Completing a driver safety course could save 5% or more if your company offers it.
• Discount for Good Grades – Maintaining excellent grades can get you a discount of up to 25%. Most companies allow this discount up to age 25.
• Passenger Safety Discount – Options like air bags or motorized seat belts can qualify for discounts as much as 30%.
• Discounts for Government Workers – Being employed by or retired from a federal job could qualify for a slight premium decrease for Cutlass insurance with select insurance companies.
• Driver’s Education for Students – Require your teen driver to enroll and complete driver’s education in school.
• Theft Deterent – Anti-theft and alarm system equipped vehicles prevent vehicle theft and can earn a small discount on your policy.
• E-sign – Some of the larger companies will provide an incentive for completing your application digitally online.
• Lower Rates for Military – Being deployed in the military could qualify you for better premium rates.
• Home Ownership Discount – Just being a homeowner can get you a discount because it requires personal responsibility.

Remember that most discount credits are not given to the entire cost. Some only apply to specific coverage prices like comprehensive or collision. So despite the fact that it appears all those discounts means the company will pay you, company stockholders wouldn’t be very happy.

A few companies that have some of the discounts shown above include:

• Geico
• Mercury Insurance
• Farmers Insurance
• Auto-Owners Insurance
• Liberty Mutual
• SAFECO
• Progressive
• USAA

Before purchasing a policy, check with every prospective company to give you their best rates. Some of the discounts discussed earlier might not apply in your area.

Lower insurance rates with these tips

An important part of buying insurance is that you know the rating factors that go into determining your premiums. If you have some idea of what influences your rates, this enables you to make decisions that can help you get much lower annual insurance costs. Multiple criteria are part of the equation when quoting car insurance. Most are fairly basic such as your driving record, but some are less obvious such as whether you are married or how safe your car is.

• What’s your car’s crash test rating? – Vehicles with good safety scores get lower rates. Safer cars reduce occupant injuries and any reduction in injury severity means your insurance company pays less and cheaper rates on your policy. If the Oldsmobile Cutlass earned at least an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website you may qualify for a discount.
• Consider raising comp and collision deductibles – Protection for physical damage, also known as collision and other-than-collision, covers your vehicle from damage. Some instances where coverage would apply are collision with another vehicle, hitting a deer, and windstorm damage. The deductibles are the amount of money the insured will be required to pay in the event of a claim. The more damage repair cost you pay before a claim is paid (deductible), the less money you will pay for insurance coverage for Cutlass insurance.
• Pay more if you have a long commute – Residing in small towns and rural areas has it’s advantages when it comes to insurance coverage. Drivers who live in large cities tend to have more traffic problems and longer commutes to work. Fewer drivers translates into fewer accident claims as well as less vandalism and auto theft.
• Too many claims and you’ll pay more – If you file a lot of claims don’t be surprised to see much higher rates or policy non-renewal. Auto insurance companies generally give the best rates to policyholders who are not frequent claim filers. Auto insurance is intended for the large, substantial claims.
• Certain occupations raise insurance coverage rates – Jobs such as fire fighters, social workers and dentists generally have the highest average rates because of high stress and long work days. On the flip side, occupations such as farmers, historians and performers get better rates for Cutlass insurance.
• Cautious drivers pay less – Whether or not you get tickets can have a huge impact on auto insurance premiums. Even one moving violation may increase your cost substantially. Drivers with clean records get better prices compared to drivers with tickets. Drivers who have gotten severe tickets such as reckless driving or DUI are required to file a proof of financial responsibility form (SR-22) with their state’s department of motor vehicles in order to prevent a license revocation.
• High premiums for youthful drivers – Older people are more cautious drivers, cause fewer claims and accidents .Teen drivers have a tendency to be careless and easily distracted in a vehicle so they pay higher insurance coverage rates.

When to get professional advice

When buying adequate coverage for your vehicles, there really is no cookie cutter policy. Each situation is unique so your insurance should reflect that These are some specific questions could help you determine if your insurance needs might need professional guidance.

• How can I force my company to pay a claim?
• Is my vehicle covered by my employer’s policy when using it for work?
• Am I covered if I crash into my own garage door?
• What is roadside assistance coverage?
• Where can I find high-risk insurance?
• Do I need replacement cost coverage?
• Do I have coverage if my license is suspended?
• Are all vehicle passengers covered by medical payments coverage?
• Does my car insurance cover rental cars?

If it’s difficult to answer those questions, then you may want to think about talking to a licensed agent. To find an agent in your area, simply complete this short form or you can also visit this page to select a carrier It only takes a few minutes and you can get the answers you need.

Does auto insurance advertising bend the truth?

Consumers can’t escape the ads that promise big savings by companies like State Farm and Allstate. All the companies make an identical promise that drivers can save some big amount if you just switch your auto insurance policy to them.

How does each company charge less that you’re paying now? This is the trick they use.

Many companies provide the lowest rates for a prospective insured that will be a good risk. For example, a preferred risk may be over the age of 45, has no tickets, and insures a new vehicle. Anyone that meets those criteria will probably get cheap rates and will cut their rates if they switch.

Drivers who don’t qualify for the ideal profile will probably have to pay higher rates which translates to the prospect going elsewhere. The ads state “people who switch” not “everybody who quotes” will save that much if they switch. This is how insurance companies can confidently make it sound like they have such great rates.

Because every company is different, you need to get insurance quotes from several different companies. Because without a comparison, you cannot know the company that will give you the biggest savings.

Insurance coverage specifics

Knowing the specifics of insurance can help you determine appropriate coverage and proper limits and deductibles. Policy terminology can be impossible to understand and coverage can change by endorsement. Listed below are the usual coverages available from insurance companies.

Comprehensive insurance

Comprehensive insurance covers damage from a wide range of events other than collision. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for things such as hitting a bird, theft 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 removing comprehensive coverage.

Collision insurance

Collision insurance pays for damage to your Cutlass from colliding with another vehicle or an object, but not an animal. A deductible applies then the remaining damage will be paid by your insurance company.

Collision insurance covers things like colliding with a tree, backing into a parked car, hitting a parking meter, sustaining damage from a pot hole and crashing into a building. Collision coverage makes up a good portion of your premium, so consider removing coverage from lower value vehicles. You can also choose a higher deductible in order to get cheaper collision rates.

Coverage for medical expenses

Med pay and PIP coverage pay for short-term medical expenses such as dental work, surgery and doctor visits. They can be used in conjunction with a health insurance policy or if you do not have health coverage. Coverage applies to all vehicle occupants and also covers if you are hit as a while walking down the street. Personal injury protection coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Coverage for uninsured or underinsured drivers

Your UM/UIM coverage protects you and your vehicle’s occupants when the “other guys” are uninsured or don’t have enough coverage. It can pay for hospital bills for your injuries and damage to your Oldsmobile Cutlass.

Because many people have only the minimum liability required by law, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Normally your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Liability car insurance

Liability coverage will cover damage that occurs to people or other property by causing an accident. This coverage protects you from claims by other people, and does not provide coverage for your own vehicle damage or injuries.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see policy limits of 100/300/100 which stand for a limit of $100,000 per injured person, a per accident bodily injury limit of $300,000, and property damage coverage for $100,000. Some companies may use a combined single limit or CSL that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability coverage protects against claims such as emergency aid, attorney fees, repair costs for stationary objects and medical expenses. The amount of liability coverage you purchase is a personal decision, but it’s cheap coverage so purchase as much as you can afford.

A fool and his money are soon parted

When shopping online for insurance coverage, don’t be tempted to reduce needed coverages to save money. There have been many situations where consumers will sacrifice full coverage only to regret that their decision to reduce coverage ended up costing them more. Your goal should be to find the BEST coverage at the lowest possible cost, but do not skimp to save money.

We just showed you a lot of techniques to shop for 1999 Oldsmobile Cutlass insurance online. It’s most important to understand that the more companies you get prices for, the more likely it is that you will get a better rate. Drivers may discover the biggest savings come from a small mutual company. These companies may often insure only within specific states and give getter rates as compared to the big name companies such as Allstate or State Farm.

More articles

• Insurance Losses by Make and Model (iihs.org)
• What is Gap Insurance? (Insurance Information Insitute)
• Tools for Teen Driving Safety (State Farm)
• Safe Vehicles for Teens (iihs.org)
• Teen Driver Statistics (Insurance Information Insitute)