View 1991 Oldsmobile Cutlass Calais Car Insurance Rates

Looking for the cheapest insurance coverage rates for your Oldsmobile Cutlass Calais? Have you had enough of scraping the payment together to pay insurance coverage each month? You are no different than most other drivers.

Insurance companies such as Geico, Progressive and Allstate continually hit you with fancy advertisements and it is challenging if not impossible to see through the cute green geckos and mayhem and take the time to shop coverage around.

Learn how to lower your insurance rates

Lots of things are used in the calculation when you get your auto insurance bill. Some of the criteria are obvious like your driving record, although others are not quite as obvious like where you live or how financially stable you are.When buying auto insurance it’s important to understand a few of the rating criteria that aid in calculating auto insurance rates. If you have some idea of what controls the rates you pay, this enables informed choices that may result in cheaper rates.

The items below are some of the items utilized by car insurance companies to help set rates.

  • Bad credit hurts insurance premiums – Having a bad credit score can be a huge factor in determining your rates. Drivers with excellent credit scores tend to file fewer claims as compared to drivers with worse credit. So if your credit score can be improved, you could potentially save money when insuring your 1991 Oldsmobile Cutlass Calais by improving your rating.
  • Better premiums with anti-theft devices – Purchasing a vehicle that has a built-in theft deterrent system can help lower your premiums. Theft deterrent systems like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar help track and prevent your vehicle from being stolen.
  • Liability is critical – A critical coverage on your policy, liability insurance provides coverage in the event that you are found to be at fault for personal injury or accident damage. It will provide you with a defense in court starting from day one. Liability is cheap when compared with rates for comp and collision, so do not cut corners here.
  • Put fewer miles on your vehicle – The more you drive in a year’s time the more you’ll pay to insure it. Many insurance companies calculate prices based on how the vehicle is used. Vehicles that do not get driven very much get more affordable rates than vehicles that are driven to work every day. A policy that improperly rates your Cutlass Calais may be wasting your money. It’s a smart idea to ensure your auto insurance policy states the correct usage.
  • Never allow your auto insurance to lapse – Allowing your auto insurance policy to lapse will be a fast way to pay more for auto insurance. In addition to paying higher rates, the inability to provide proof of insurance could result in a hefty fine and possibly a revoked license. You may then be required to submit proof of financial responsibility or a SR-22 with your state motor vehicle department.

Get lower-cost rates with these discounts

Car insurance is expensive, but you might find some hidden discounts that may help make it more affordable. Some discounts will apply at the time of purchase, but a few must be asked for before you will receive the discount.

  • Multi-policy Discount – If you insure your home and vehicles with one insurance company you will save 10% to 20% off each policy.
  • Air Bags and Passive Restraints – Vehicles with factory air bags can receive discounts of 20% or more.
  • Homeowners Savings – Owning your own home or condo can earn you a little savings because owning a home shows financial diligence.
  • Driver Education Discount – Teen drivers should take driver’s ed class if offered at their school.
  • Discounts for New Vehicles – Buying a new car model may earn a small discount because newer vehicles keep occupants safer.
  • Accident Free – Drivers who don’t have accidents can earn big discounts when compared to drivers who are more careless.

Keep in mind that most discounts do not apply to your bottom line cost. A few only apply to the cost of specific coverages such as physical damage coverage or medical payments. Even though it appears you can get free auto insurance, it’s just not the way it works.

A few of the larger companies and their possible discounts are detailed below.

  • State Farm includes discounts for multiple policy, defensive driving training, passive restraint, Drive Safe & Save, Steer Clear safe driver discount, and anti-theft.
  • Geico offers premium reductions for daytime running lights, defensive driver, emergency military deployment, five-year accident-free, good student, and membership and employees.
  • SAFECO may include discounts for teen safety rewards, multi-car, bundle discounts, anti-theft, drive less, homeowner, and safe driver.
  • Farmers Insurance offers discounts including pay in full, homeowner, switch companies, multi-car, electronic funds transfer, business and professional, and mature driver.
  • AAA discounts include good driver, anti-theft, good student, pay-in-full, AAA membership discount, multi-policy, and education and occupation.
  • USAA may have discounts that include new vehicle, military installation, annual mileage, vehicle storage, multi-vehicle, defensive driver, and safe driver.

When getting free insurance coverage quotes, it’s a good idea to each company or agent which discounts you may be entitled to. Savings may not be offered in your area. To see a list of companies offering car insurance discounts, click here to view.

Auto insurance can be complex

When buying the best auto insurance coverage, there really is not a perfect coverage plan. Every insured’s situation is different so your insurance needs to address that. Here are some questions about coverages that can aid in determining whether your personal situation might need professional guidance.

  • Do I need to file an SR-22 for a DUI in my state?
  • Do I have coverage when making deliveries for my home business?
  • Should I sign the liability waiver when renting a car?
  • Are my friends covered when driving my 1991 Oldsmobile Cutlass Calais?
  • What is UM/UIM insurance?
  • Does coverage extend to Mexico or Canada?
  • Is other people’s property covered if stolen from my vehicle?
  • When does my teenage driver need to be added to my policy?

If you’re not sure about those questions but a few of them apply then you might want to talk to an agent. If you want to speak to an agent in your area, fill out this quick form or click here for a list of auto insurance companies in your area.

Auto insurance policy specifics

Knowing the specifics of your policy can be of help when determining appropriate coverage and the correct deductibles and limits. Policy terminology can be impossible to understand and nobody wants to actually read their policy. These are the usual coverages offered by auto insurance companies.

Auto collision coverage

Collision insurance pays to fix your vehicle from damage from colliding with another car or object. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things like driving through your garage door, damaging your car on a curb, hitting a mailbox, crashing into a ditch and backing into a parked car. Paying for collision coverage can be pricey, so you might think about dropping it from lower value vehicles. It’s also possible to increase the deductible in order to get cheaper collision rates.

Uninsured and underinsured coverage

Your UM/UIM coverage gives you protection from other drivers when they either are underinsured or have no liability coverage at all. This coverage pays for medical payments for you and your occupants as well as damage to your Oldsmobile Cutlass Calais.

Because many people only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is important protection for you and your family. Usually your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Comprehensive coverages

This pays to fix your vehicle from damage from a wide range of events other than collision. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things like damage from getting keyed, damage from flooding, a tree branch falling on your vehicle and a broken windshield. The maximum payout you’ll receive from a claim is the ACV or actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Liability coverages

This protects you from damages or injuries you inflict on other’s property or people that is your fault. It protects YOU from legal claims by others. Liability doesn’t cover damage to your own property or vehicle.

It consists of three 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 that translate to a $100,000 limit per person for injuries, a limit of $300,000 in injury protection per accident, and a limit of $100,000 paid for damaged property. Some companies may use a combined limit which provides one coverage limit without having the split limit caps.

Liability coverage protects against claims like pain and suffering, legal defense fees, loss of income, medical services and court costs. How much liability coverage do you need? That is your choice, but consider buying as large an amount as possible.

Coverage for medical payments

Coverage for medical payments and/or PIP reimburse you for expenses for things like nursing services, doctor visits, hospital visits, funeral costs and chiropractic care. They can be used to cover expenses not covered by your health insurance program or if you are not covered by health insurance. Coverage applies to not only the driver but also the vehicle occupants and also covers if you are hit as a while walking down the street. PIP is not available in all states and gives slightly broader coverage than med pay

In the end, you save

Cheaper auto insurance can be found on the web in addition to many insurance agents, and you should be comparing both in order to have the best price selection to choose from. Some insurance providers do not provide the ability to get quotes online and these small, regional companies prefer to sell through independent insurance agencies.

When trying to cut insurance costs, it’s very important that you do not buy lower coverage limits just to save a few bucks. In too many instances, an insured cut physical damage coverage only to discover later that the few dollars in savings costed them thousands. Your strategy should be to buy the best coverage you can find at the best possible price, but do not sacrifice coverage to save money.

Additional information