Save on 1993 Oldsmobile Cutlass Ciera Insurance Quotes

Searching for cheaper car insurance rates for your Oldsmobile Cutlass Ciera? Nobody likes paying for car insurance, in particular when their premiums are too high. Insurance companies such as State Farm, Progressive and Geico continually bombard you with TV and radio ads and it can be hard to avoid their marketing magic and find the best price available.

Oldsmobile Cutlass Ciera insurance premiums are calculated by many factors

Smart consumers have a good feel for the different types of things that come into play when calculating car insurance rates. When you know what positively or negatively influences your rates allows you to make educated decisions that will entitle you to lower car insurance prices.

  • Pay less if you’re married – Being married can actually save you money when buying car insurance. Having a significant other usually means you are more mature than a single person and statistics show being married results in fewer claims.
  • Do you work long hours in a high stress job? – Did you know your occupation can influence how much you pay for car insurance? Occupations like lawyers, architects and accountants tend to pay higher rates than average attributed to stressful work requirements and lots of time spent at work. On the flip side, occupations like actors, athletes and performers have the lowest average rates for Cutlass Ciera coverage.
  • The more you drive the more you pay – The more miles you rack up on your Oldsmobile in a year the more you’ll pay to insure your vehicle. Almost all companies apply a rate based on their usage. Cars that are left in the garage qualify for better rates compared to those used for work or business. Verify your car insurance policy properly reflects how each vehicle is driven. Incorrect usage on your Cutlass Ciera can cost quite a bit.
  • More claims means more premium – If you file claims often, you can definitely plan on either policy cancellation or increased premiums. Car insurance companies generally give better rates to policyholders who are claim-free. Your insurance policy is intended for major claims that would cause financial hardship.
  • Equipment add-ons that lower car insurance rates – Owning a car with an alarm system can help bring down rates. Theft prevention features like LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system can help prevent auto theft.
  • Traffic violations increase rates – Good drivers receive lower rates compared to drivers with tickets. Just one speeding ticket can increase rates by as much as thirty percent. Drivers who get flagrant violations such as DWI, reckless driving or hit and run convictions may be required to submit a SR-22 or proof of financial responsibility to the state department of motor vehicles in order to keep their license.
  • Bump up deductibles to save – The deductibles define the amount you are required to spend before your car insurance pays a claim. Insurance for physical damage to your car, also known as collision and other-than-collision, is used to repair damage to your car. Some examples of claims that would be covered could be running into the backend of another car, damage caused by hail, and burglary. The more expense the insured has to pay upfront, the lower your rates will be for Cutlass Ciera coverage.

How to Compare Auto Insurance

Effectively comparing auto insurance prices can be a lot of work if you aren’t aware of the best way to get rate quotes. You could waste time driving to insurance agencies in your area, or you could save time and use the web to achieve your goal.

Most of the larger companies belong to an insurance system where insurance shoppers submit one quote, and each participating company returns a competitive quote based on the submitted data. This prevents consumers from doing quotation requests for every auto insurance company.

To get comparison pricing now click here to start a free quote.

The one downside to using this type of form is you can’t choose which providers to get quotes from. So if you prefer to pick specific providers to compare prices, we have a page of the cheapest auto insurance companies in your area. Click to view list.

It doesn’t matter which method you choose, just ensure you are comparing exactly the same coverage information with each company. If the quotes have different values for each quote you will not be able to make an equal comparison.

Do you really save 40% when you switch?

Consumers can’t ignore all the ads for car insurance savings by companies like State Farm and Allstate. They all say the same thing about savings if you move to them.

How do they all make almost identical claims?

All companies have a certain “appetite” for the driver that makes them money. For instance, a driver they prefer might be profiled as between the ages of 40 and 55, a clean driving record, and has excellent credit. A customer getting a price quote who matches those parameters is entitled to the best price and is almost guaranteed to cut their rates substantially.

Consumers who fall outside this ideal profile will be quoted higher prices and ends up with business not being written. The ad wording is “drivers who switch” not “people who quote” save money. That is how insurance companies can make the claims of big savings.

This emphasizes why drivers should compare many company’s rates. It’s impossible to know which company will provide you with the cheapest Oldsmobile Cutlass Ciera insurance rates.

Do you qualify for discounts?

Car insurance can cost a lot, but companies offer discounts that you may not even be aware of. A few discounts will automatically apply when you complete an application, but less common discounts must be manually applied prior to getting the savings. If you don’t get every credit you deserve, you are paying more than you should be.

  • Safe Driver Discount – Drivers who avoid accidents may receive a discount up to 45% less for Cutlass Ciera coverage than drivers with accidents.
  • Discount for Life Insurance – Companies who offer life insurance give lower rates if you buy a life insurance policy as well.
  • Multiple Policy Discount – When you combine your home and auto insurance with one insurance company you will save 10% to 20% off each policy.
  • Paperwork-free – A handful of insurance companies will discount your bill up to fifty bucks for buying a policy and signing up on their website.
  • Pay Now and Pay Less – If you pay your entire premium ahead of time instead of monthly or quarterly installments you can actually save on your bill.
  • Discount for Good Grades – Performing well in school can earn a discount of 20% or more. The discount lasts until age 25.
  • Theft Prevention Discount – Cars that have factory anti-theft systems can help prevent theft and qualify for as much as a 10% discount.
  • Safety Course Discount – Taking a course teaching defensive driving skills could possibly earn you a 5% discount if your company offers it.

It’s important to understand that most discounts do not apply to your bottom line cost. Most only apply to individual premiums such as liability and collision coverage. Just because you may think it’s possible to get free car insurance, insurance companies aren’t that generous. But any discount will help reduce the cost of coverage.

Car insurance companies who might offer these discounts may include but are not limited to:

It’s a good idea to ask each insurance company which discounts they offer. Some discounts may not be available in your state.

Don’t assume everyone needs the same coverage

When it comes to choosing adequate coverage, there really is not a single plan that fits everyone. Everyone’s needs are different and a cookie cutter policy won’t apply. For instance, these questions may help you determine whether your personal situation would benefit from professional advice.

  • Should I bundle my homeowners policy with my auto?
  • Do I pay less for low miles?
  • Am I covered when driving on a suspended license?
  • Is my cargo covered for damage or theft?
  • Should I put collision coverage on all my vehicles?
  • Is my Oldsmobile Cutlass Ciera covered if I use it for business?
  • What companies insure drivers after a DUI or DWI?
  • Do I have coverage for damage caused while driving under the influence?

If you can’t answer these questions but a few of them apply then you might want to talk to an insurance agent. To find lower rates from a local agent, fill out this quick form or go to this page to view a list of companies. It only takes a few minutes and can provide invaluable advice.

What insurance coverages do you need?

Having a good grasp of insurance can be of help when determining appropriate coverage and proper limits and deductibles. The coverage terms in a policy can be difficult to understand and even agents have difficulty translating policy wording. These are typical coverage types available from insurance companies.

Auto liability

Liability coverage protects you from damage or injury you incur to other people or property that is your fault. This coverage protects you from legal claims by others. Liability doesn’t cover damage sustained by your vehicle in an accident.

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 25/50/25 that translate to a limit of $25,000 per injured person, $50,000 for the entire accident, and a limit of $25,000 paid for damaged property. Occasionally you may see one limit called combined single limit (CSL) that pays claims from the same limit without having the split limit caps.

Liability coverage pays for claims like pain and suffering, medical services and emergency aid. How much liability should you purchase? That is up to you, but buy as large an amount as possible.

Collision coverage protection

Collision coverage pays for damage to your Cutlass Ciera from colliding with another car or object. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers things like hitting a mailbox, crashing into a ditch, driving through your garage door and crashing into a building. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from older vehicles. You can also choose a higher deductible in order to get cheaper collision rates.

Medical expense insurance

Coverage for medical payments and/or PIP reimburse you for short-term medical expenses for doctor visits, surgery, nursing services and hospital visits. The coverages can be used in conjunction with a health insurance policy or if you lack health insurance entirely. Coverage applies to both the driver and occupants and also covers getting struck while a pedestrian. Personal injury protection coverage is not available in all states but can be used in place of medical payments coverage

Comprehensive (Other than Collision)

Comprehensive insurance coverage will pay to fix damage OTHER than collision with another vehicle or object. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims such as hail damage, damage from flooding and falling objects. The most a insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Protection from uninsured/underinsured drivers

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other motorists when they either have no liability insurance or not enough. It can pay for hospital bills for your injuries and also any damage incurred to your 1993 Oldsmobile Cutlass 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. This is the reason having UM/UIM coverage is very important. Usually the UM/UIM limits do not exceed the liability coverage limits.

Coverage on a shoestring budget

As you restructure your insurance plan, it’s not a good idea to reduce coverage to reduce premium. There are too many instances where drivers have reduced collision coverage only to discover later they didn’t purchase enough coverage. Your aim should be to get the best coverage possible at an affordable rate, not the least amount of coverage.

In this article, we covered a lot of tips how to get a better price on 1993 Oldsmobile Cutlass Ciera insurance. The key concept to understand is the more you quote, the higher your chance of finding lower rates. Consumers may even find the best price on insurance coverage is with a lesser-known regional company. These smaller insurers may only write in your state and offer lower rates as compared to the big name companies such as State Farm, Geico and Nationwide.

More detailed insurance coverage information can be read in these articles: