1995 Oldsmobile Ciera Car Insurance Rates – 7 Tricks for Cheaper Quotes

Having to pay for overpriced car insurance can take a big chunk out of your personal savings and make it impossible to make ends meet. Doing a price comparison is a great way to cut your insurance bill.

Companies like Allstate and Progressive all claim big savings with ad campaigns and it can be hard to see through the deception and effectively compare rates to find the best deal.

Compare the Market for Insurance

All major insurance companies such as Progressive, Geico, Allstate and State Farm give prices online. Getting online quotes doesn’t take much effort as you just type in your coverage preferences into the quote form. Once entered, the system pulls your driving and credit reports and generates a price based on these factors. This makes comparing rates easy, but the process of having to visit multiple sites and type in the same information can be a bit repetitive. Unfortunately, it is important to compare as many rates as possible in order to get the lowest possible prices on insurance.

The easy way to compare rates

A quicker way to get multiple rate quotes utilizes a single form that gets prices from a bunch of companies at once. It’s a real time-saver, helps eliminate reptitive entry, and makes online shopping much easier. As soon as the form is sent, it gets priced and you can select any or none of the returned quotes. If a lower price is quoted, you can simply submit the application and buy the new coverage. It can be completed in a matter of minutes and can result in significant savings.

In order to compare pricing, click here to open in a new tab and submit your coverage information. If you currently have coverage, we recommend you replicate deductibles and limits as shown on your current policy. This way, you will have a rate comparison for similar coverage.

What is the best insurance coverage?

When choosing coverage for your personal vehicles, there really is no cookie cutter policy. Everyone’s situation is a little different and your policy should reflect that. For example, these questions may help highlight whether your personal situation will benefit from professional help.

  • Is my vehicle covered by my employer’s policy when using it for work?
  • Am I getting all the discounts available?
  • Do I have coverage when making deliveries for my home business?
  • Why does it cost so much to insure a teen driver?
  • Are there companies who specialize in insuring high-risk drivers?
  • Do I need more liability coverage?
  • Is pleasure use cheaper than using my 1995 Oldsmobile Ciera to commute?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • Is business property covered if stolen from my car?
  • Is there coverage for injuries to my pets?

If you’re not sure about those questions but one or more may apply to you, you may need to chat with a licensed insurance agent. To find an agent in your area, take a second and complete this form or you can go here for a list of companies in your area.

Specific coverage details

Knowing the specifics of your insurance policy can be of help when determining appropriate coverage and the correct deductibles and limits. Insurance terms can be impossible to understand and nobody wants to actually read their policy. Listed below are typical coverages found on most insurance policies.

UM/UIM Coverage

Your UM/UIM coverage gives you protection when other motorists either are underinsured or have no liability coverage at all. It can pay for medical payments for you and your occupants as well as your vehicle’s damage.

Since a lot of drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. So UM/UIM coverage should not be overlooked.

Medical costs insurance

Coverage for medical payments and/or PIP provide coverage for bills such as ambulance fees, pain medications and chiropractic care. They can be used in conjunction with a health insurance program or if you do not have health coverage. It covers all vehicle occupants and will also cover getting struck while a pedestrian. PIP is only offered in select states and may carry a deductible

Auto collision coverage

Collision coverage covers damage to your Ciera caused by collision with an object or car. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage pays for things like sideswiping another vehicle, hitting a mailbox, damaging your car on a curb, sustaining damage from a pot hole and rolling your car. Collision is rather expensive coverage, so consider removing coverage from vehicles that are older. Another option is to bump up the deductible to save money on collision insurance.

Comprehensive or Other Than Collision

Comprehensive insurance covers damage OTHER than collision with another vehicle or object. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for things such as theft, a tree branch falling on your vehicle, falling objects and hail damage. The highest amount a insurance company will pay at claim time is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Liability coverages

This provides protection from damage that occurs to other people or property by causing an accident. Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. As an example, you may have liability limits of 50/100/50 that means you have a $50,000 limit per person for injuries, a limit of $100,000 in injury protection per accident, and a total limit of $50,000 for damage to vehicles and property.

Liability can pay for things like loss of income, medical expenses, bail bonds and emergency aid. The amount of liability coverage you purchase is a decision to put some thought into, but it’s cheap coverage so purchase higher limits if possible.