1991 Oldsmobile Cutlass Ciera Car Insurance Rates

Want the cheapest insurance rates for your Oldsmobile Cutlass Ciera? Tired of not being able to afford to keep your car insured? You’re in the same situation as most other vehicle owners. You have so many car insurance companies to insure vehicles with, and even though it’s nice to have a selection, so many choices can make it hard to get the best deal.

Smart consumers can save money

Lots of factors are considered when pricing auto insurance. Most are fairly basic like an MVR report, but other criteria are less apparent such as your marital status or how financially stable you are.

  • Rate your vehicle for proper use – The higher the mileage driven every year the more you’ll pay to insure your vehicle. The majority of insurers calculate prices based on their usage. Cars that do not get driven very much can be on a lower rate level than vehicles that are driven to work every day. A policy that improperly rates your Cutlass Ciera may be costing you. Ask your agent if your declarations sheet is showing the correct usage.
  • Liability coverage – A critical coverage on your policy, liability insurance will provide protection if a jury decides you are liable for damages from an accident. Liability insurance provides legal defense coverage to attempt to prove you were not liable. Liability insurance is pretty cheap compared to physical damage coverage, so drivers should carry high limits.
  • How’s your driving record? – Your driving citation history influences premium rates substantially. Just one driving citation can boost insurance rates forty percent or more. Drivers who don’t get tickets pay less for auto insurance compared to drivers with tickets. Drivers with severe violations like reckless driving or DUI are required to submit a SR-22 or proof of financial responsibility with their state motor vehicle department in order to legally drive a vehicle.
  • Men are more aggressive – Statistics demonstrate that women are safer drivers than men. However, this does not mean females are better drivers. Males and females cause fender benders at a similar rate, but the males have costlier accidents. In addition to higher claims, males also get cited for more serious violations like DWI (DUI) or reckless driving. Teenage male drivers are the most expensive to insure so it costs more to insure them.

Cheap insurance rates with discounts

Properly insuring your vehicles can get expensive, but there are discounts available to help bring down the price. Some of these disounts will be visible at the time you complete a quote, but a few must be manually applied in order for you to get them.

  • Defensive Driver – Successfully completing a safe driver course could possibly earn you a 5% discount depending on where you live.
  • Auto/Life Discount – Select companies reward you with a discounted rate on car insurance if you buy auto and life insurance together.
  • Savings for New Vehicles – Insuring a new car can be considerably cheaper since new vehicles are generally safer.
  • Discount for Multiple Policies – When you have multiple policies with one company you will save nearly 15% which can help you find inexpensive auto insurance.
  • Active Service Discounts – Being on active deployment in the military could trigger a small discount.
  • Payment Method – By paying your entire bill at once instead of monthly or quarterly installments you may reduce your total bill.
  • Own a Home – Just owning your own home may earn you a small savings because maintaining a house is proof of financial responsibility.
  • E-sign – A handful of larger companies provide a small discount for signing up on the web.

Don’t be surprised that some credits don’t apply to your bottom line cost. Most only reduce specific coverage prices like collision or personal injury protection. Even though it may seem like all the discounts add up to a free policy, companies wouldn’t make money that way. But any discount should help reduce your premiums.

A few companies who may offer some of the above discounts may include but are not limited to:

When getting a coverage quote, ask every company how many discounts you can get. Discounts may not apply to policies in your area.

Tailor your insurance coverage to you

When choosing proper insurance coverage for your vehicles, there really is not a single plan that fits everyone. Your needs are not the same as everyone else’s so this has to be addressed. These are some specific questions could help you determine whether your personal situation would benefit from professional advice.

  • How can I find cheaper teen driver insurance?
  • When would I need rental car insurance?
  • Do I have any recourse if my insurance company denies a claim?
  • Does having multiple vehicles earn me a discount?
  • Is there coverage for injuries to my pets?
  • Am I covered if I hit my neighbor’s mailbox?
  • Does my insurance cover a custom paint job?
  • Are my friends covered when driving my car?

If it’s difficult to answer those questions but a few of them apply, you might consider talking 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 only takes a few minutes and may give you better protection.

Coverage specifics

Knowing the specifics of your auto insurance policy aids in choosing the right coverages for your vehicles. Auto insurance terms can be impossible to understand and coverage can change by endorsement. These are the usual coverages found on the average auto insurance policy.

Collision coverage – Collision coverage pays for damage to your Cutlass Ciera caused by collision with a stationary object or other vehicle. A deductible applies then your collision coverage will kick in.

Collision insurance covers claims such as backing into a parked car, crashing into a ditch, sustaining damage from a pot hole and crashing into a building. Collision coverage makes up a good portion of your premium, so consider dropping it from lower value vehicles. It’s also possible to raise the deductible in order to get cheaper collision rates.

Coverage for medical payments – Med pay and PIP coverage reimburse you for expenses for prosthetic devices, X-ray expenses and hospital visits. They are often utilized in addition to your health insurance policy or if there is no health insurance coverage. Coverage applies to not only the driver but also the vehicle occupants and will also cover if you are hit as a while walking down the street. PIP coverage is not universally available and gives slightly broader coverage than med pay

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

Comprehensive coverage pays for claims such as hitting a deer, damage from getting keyed and theft. The maximum payout your auto insurance company will pay is the actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Liability coverages – Liability insurance will cover damage that occurs to other people or property that is your fault. It protects you against other people’s claims, and doesn’t cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show limits of 100/300/100 that means you have a $100,000 limit per person for injuries, a total of $300,000 of bodily injury coverage per accident, and a limit of $100,000 paid for damaged property. Some companies may use a combined limit which provides one coverage limit rather than limiting it on a per person basis.

Liability coverage pays for things such as repair bills for other people’s vehicles, structural damage, bail bonds and pain and suffering. How much liability should you purchase? That is up to you, but buy as much as you can afford.

Uninsured and underinsured coverage – This gives you protection when the “other guys” either are underinsured or have no liability coverage at all. Covered claims include medical payments for you and your occupants as well as damage to your Oldsmobile Cutlass Ciera.

Since a lot of drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is a good idea. Frequently your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Save your cold hard cash

When shopping online for car insurance, make sure you don’t reduce needed coverages to save money. Too many times, someone sacrificed comprehensive coverage or liability limits only to find out that their decision to reduce coverage ended up costing them more. The aim is to buy the best coverage you can find at the best possible price but still have enough coverage for asset protection.

A few companies may not have the ability to get quotes online and many times these smaller companies prefer to sell through local independent agencies. The cheapest 1991 Oldsmobile Cutlass Ciera insurance can be bought both online in addition to local insurance agencies, and you should be comparing both in order to have the best chance of saving money.

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