1994 Oldsmobile Cutlass Ciera Car Insurance Quotes

Trying to find cheaper auto insurance rates for your Oldsmobile Cutlass Ciera? Nobody I know likes paying for auto insurance, particularly when they are paying too much. Numerous insurers battle for your insurance dollar, so it’s not easy to compare every provider to find the absolute cheapest price

Finding Auto Insurance Deals

Getting a lower price on 1994 Oldsmobile Cutlass Ciera insurance can be surprisingly simple. Consumers just need to spend a few minutes on the computer to get quotes online with multiple companies. This is very easy and can be done using a couple different methods.

One of the best ways consumers can make multiple comparisons is a comparison rater form like this one (opens in new window). This easy form saves time by eliminating boring form submissions for each company you want a rate for. A single form will return quotes from multiple companies.

A more time consuming way to obtain and compare quotes online requires you to visit each company website to complete a price quote. For sake of this example, we’ll assume you want to compare rates from Allstate, Liberty Mutual and Travelers. To find out each rate you need to go to every website to enter your coverage information, and that’s why the first method is more popular.

For a handy list of car insurance company links in your area, click here.

Whichever way you use, ensure you’re using apples-to-apples coverage limits for every company. If your comparisons have different deductibles it will be very difficult to truly determine the lowest rate.

These discounts can lower your rates

Companies that sell car insurance don’t always advertise all their discounts in a way that’s easy to find, so we break down some of the best known and the harder-to-find savings tricks you should be using. If you aren’t receiving every discount you qualify for, you are paying more than you should be.

  • Braking Control Discount – Vehicles equipped with ABS or steering control are safer to drive and will save you 10% or more.
  • Safe Driver Discount – Insureds without accidents can get discounts for up to 45% lower rates on Cutlass Ciera coverage than drivers with accident claims.
  • Federal Employees – Employees or retirees of the government can earn a discount up to 10% on Cutlass Ciera coverage with a few insurance coverage companies.
  • Paperwork-free – A handful of insurance companies will give a small break just for signing your application over the internet.
  • Seat Belts Save more than Lives – Requiring all passengers to buckle their seat belts could cut 10% or more on the medical payments or PIP coverage costs.

It’s important to understand that most of the big mark downs will not be given to the entire policy premium. Most cut the cost of specific coverages such as liability, collision or medical payments. So even though they make it sound like all the discounts add up to a free policy, companies don’t profit that way.

To see a list of companies who offer insurance coverage discounts, follow this link.

Different people need different coverages

When it comes to choosing coverage for your personal vehicles, there really is no “perfect” insurance plan. Everyone’s situation is unique and your policy should reflect that. For example, these questions might help in determining whether you could use an agent’s help.

  • Do I have coverage if my license is suspended?
  • Does my policy pay for OEM or aftermarket parts?
  • Should I put collision coverage on all my vehicles?
  • Do I need PIP coverage since I have good health insurance?
  • Why do I only qualify for high-risk insurance?
  • Will I be non-renewed for getting a DUI or other conviction?
  • Does coverage extend to a rental car in a foreign country?

If you’re not sure about those questions but one or more may apply to you then you might want to talk 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. It’s fast, doesn’t cost anything and can provide invaluable advice.

Pieces of the Oldsmobile Cutlass Ciera insurance rate puzzle

Smart consumers have a good feel for the factors that come into play when calculating your insurance rates. When you know what positively or negatively determines base rates allows you to make educated decisions that may reward you with big savings.

  • Do you need the policy add-ons? – There are quite a few add-on coverages that you can buy when buying insurance. Coverages like vanishing deductibles, towing coverage and additional equipment coverage are examples of these. They may seem like a good idea initially, but now you might not need them so get rid of them and save.
  • Your spouse saves you money – Having a spouse helps lower the price on your policy. Having a spouse usually means you are more mature and responsible and it’s proven that being married results in fewer claims.
  • Higher safety ratings means cheaper insurance – Vehicles with good safety scores are cheaper to insure. The safest vehicles protect occupants better and lower injury rates means less money paid by your insurance company passed on to you as lower rates. If your Oldsmobile Cutlass Ciera is rated at least four stars on Safercar.gov or an “acceptable” rating on iihs.org it may be receiving lower rates.
  • Your insurance rates can be influenced by your job – Jobs such as judges, social workers and dentists have the highest average rates due to stressful work requirements and long work days. Other occupations such as scientists, historians and the unemployed get better rates on Cutlass Ciera coverage.

Are you falling for claims of savings?

Drivers can’t ignore all the ads that promise big savings by companies like Progressive, Allstate and Geico. They all say the same thing that you can save if you change to them.

How does each company say the same thing? It’s all in the numbers.

Insurance companies have a certain “appetite” for the right customer that makes them money. An example of a driver they prefer might be profiled as a mature driver, owns a home, and has great credit. Any driver who matches those parameters gets the lowest rates and therefore will save when switching.

Potential customers who do not match this ideal profile will have to pay higher rates and this can result in business going elsewhere. The ad wording is “customers that switch” not “people who quote” save money. This is how insurance companies can confidently make those claims. Because of the profiling, it is so important to get a wide range of price quotes. You cannot predict which company will give you the biggest savings on Oldsmobile Cutlass Ciera insurance.

Insurance coverage specifics

Learning about specific coverages of your policy aids in choosing appropriate coverage at the best deductibles and correct limits. The coverage terms in a policy can be confusing and coverage can change by endorsement. Below you’ll find the usual coverages offered by insurance companies.

Collision coverage

This coverage will pay to fix damage to your Cutlass Ciera resulting from colliding with another vehicle or an object, but not an animal. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things such as crashing into a building, hitting a parking meter and scraping a guard rail. This coverage can be expensive, so consider dropping it from older vehicles. Another option is to raise the deductible to bring the cost down.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This protects you and your vehicle when other motorists do not carry enough liability coverage. This coverage pays for injuries sustained by your vehicle’s occupants as well as damage to your Oldsmobile Cutlass Ciera.

Since a lot of drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is very important.

Medical payments and PIP coverage

Coverage for medical payments and/or PIP reimburse you for immediate expenses for things like doctor visits, nursing services and X-ray expenses. They are used to cover expenses not covered by your health insurance plan or if there is no health insurance coverage. Medical payments and PIP cover you and your occupants and will also cover getting struck while a pedestrian. Personal injury protection coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Comprehensive auto coverage

Comprehensive insurance coverage will pay to fix damage that is not covered by collision coverage. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims like theft, fire damage and hitting a deer. The maximum amount a insurance company will pay at claim time is the market value of your vehicle, so if the vehicle’s value is low consider dropping full coverage.

Liability

Liability insurance protects you from damage that occurs to a person or their property that is your fault. It protects YOU from claims by other people. Liability doesn’t cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show limits of 100/300/100 which means a limit of $100,000 per injured person, $300,000 for the entire accident, and property damage coverage for $100,000.

Liability coverage pays for things like attorney fees, court costs, pain and suffering, repair costs for stationary objects and repair bills for other people’s vehicles. How much liability coverage do you need? That is a personal decision, but you should buy as large an amount as possible.

Shop around and save

Discount 1994 Oldsmobile Cutlass Ciera insurance is possible online as well as from independent agents, so you should compare both to have the best chance of lowering rates. A few companies don’t offer online price quotes and most of the time these small insurance companies sell through independent agents.

While you’re price shopping online, do not reduce needed coverages to save money. There are many occasions where an insured cut comprehensive coverage or liability limits and found out when filing a claim that saving that couple of dollars actually costed them tens of thousands. The proper strategy is to get the best coverage possible at a price you can afford.

Other learning opportunities