Lower Your 1998 Oldsmobile Cutlass Insurance Cost

Looking for the cheapest car insurance rates for your Oldsmobile Cutlass? Are you burned out from being strong-armed to make your car insurance payment? You have the same problem as many other consumers.

Companies like Geico and Progressive all promote huge savings with advertising and it can be hard to see past the corporate glitz and effectively compare rates to find the best deal.

Consumers should take time to compare premium rates quite often because car insurance prices trend upward over time. Even if you got the best deal on Cutlass coverage a few years ago you may be paying too much now. Ignore everything you know about car insurance because we’re going to show you the only way to save money, get proper coverage and the best rates.

The cheapest insurance

Most companies like Allstate and Progressive give coverage price quotes online. Obtaining pricing is possible for anyone as all you need to do is type in your required coverages into the form. Once entered, their system orders your driving and credit reports and generates pricing information based on these factors. Online price estimates makes it easy to compare insurance prices but having to visit different websites and type in your information can be a bit repetitive. But it’s necessary to do this if you want to get better insurance pricing.

A better way to compare rates utilizes a single form that gets price quotes from several different companies. It saves time, reduces the work, and makes price shopping online much simpler. As soon as the form is sent, it is quoted and you can select any one of the quotes returned. If one or more price quotes are lower than your current rates, you can simply submit the application and purchase the new policy. The entire process takes less than 15 minutes and you’ll know if lower rates are available.

To quickly fill out one form to compare multiple rates now, click here and fill out the form. If you have a policy now, it’s recommended you replicate the coverages as shown on your current policy. This makes sure you are getting a rate comparison using the same coverage and limits.

Save money with these discounts

Car insurance companies do not list every available discount very clearly, so we break down a few of the more well known and the harder-to-find discounts that may be available. If you check and find you aren’t receiving every discount you qualify for, you are not getting the best rate possible.

  • Membership in Organizations – Joining certain professional organizations is a good way to get lower rates when shopping for auto insurance.
  • Discount for Low Mileage – Low mileage vehicles could be rewarded with lower rates on the low mileage vehicles.
  • Active Military Service – Being on active duty in the military may qualify for rate reductions.
  • Multiple Cars – Having multiple cars or trucks with the same auto insurance company can reduce rates for all insured vehicles.
  • Anti-theft System – Cars that have factory anti-theft systems prevent vehicle theft and can earn a small discount on your policy.
  • Payment Discounts – If paying your policy premium upfront instead of making monthly payments you could save 5% or more.
  • Defensive Driving Course – Taking a driver safety course could earn you a small percentage discount if your company offers it.
  • E-sign Discounts – Some of the larger companies will discount your bill up to fifty bucks get auto insurance on your computer.
  • Passive Restraint Discount – Vehicles equipped with air bags and/or automatic seat belt systems may get savings as much as 30%.
  • Cautious Drivers – Insureds who avoid accidents may save up to 50% more on Cutlass coverage than drivers with accidents.

As a footnote on discounts, most credits do not apply the the whole policy. Most only cut the cost of specific coverages such as liability, collision or medical payments. Even though it may seem like having all the discounts means you get insurance for free, companies wouldn’t make money that way.

A few of the larger companies and a summarized list of policyholder discounts can be read below.

  • Travelers offers discounts including new car, driver training, early quote, continuous insurance, good student, and student away at school.
  • 21st Century may offer discounts for anti-lock brakes, homeowners, driver training, automatic seat belts, defensive driver, teen driver, and student driver.
  • State Farm has discounts for good driver, driver’s education, safe vehicle, multiple autos, and good student.
  • Geico includes discounts for anti-theft, multi-vehicle, air bags, multi-policy, defensive driver, and emergency military deployment.
  • SAFECO has savings for multi-car, accident prevention training, anti-lock brakes, teen safety rewards, anti-theft, teen safe driver, and safe driver.
  • AAA may include discounts for multi-policy, education and occupation, good student, AAA membership discount, good driver, and multi-car.

When getting free auto insurance quotes, it’s a good idea to every company which discounts you may be entitled to. Some of the discounts discussed earlier may not be offered everywhere. To view insurance companies who offer cheap auto insurance quotes, click here.

Car insurance can be complex

When it comes to buying proper insurance coverage, there isn’t really a single plan that fits everyone. Each situation is unique so this has to be addressed. Here are some questions about coverages that might point out whether your personal situation would benefit from professional advice.

  • Is my state a no-fault state?
  • Does my liability insurance cover pulling a trailer or camper?
  • Will I lose any money if I cancel my policy before it expires?
  • Should I buy full coverage?
  • What should my uninsured motorist coverage limits be in my state?
  • Does my policy pay for OEM or aftermarket parts?
  • Should I waive the damage coverage when renting a car?
  • What is PIP insurance?
  • How much liability do I need to cover my assets?

If it’s difficult to answer those questions but you think they might apply to your situation, then you may want to think about talking to an agent. To find lower rates from a local agent, simply complete this short form or click here for a list of car insurance companies in your area.

Coverage specifics

Knowing the specifics of car insurance aids in choosing which coverages you need and proper limits and deductibles. The terms used in a policy can be difficult to understand and even agents have difficulty translating policy wording. Listed below are typical coverage types offered by car insurance companies.

Med pay and Personal Injury Protection (PIP)

Personal Injury Protection (PIP) and medical payments coverage kick in for short-term medical expenses for things like EMT expenses, dental work, doctor visits, ambulance fees and X-ray expenses. They can be used to fill the gap from your health insurance policy or if you do not have health coverage. It covers you and your occupants and also covers being hit by a car walking across the street. Personal injury protection coverage is not available in all states and gives slightly broader coverage than med pay

Collision coverage protection

This coverage pays for damage to your Cutlass from colliding with a stationary object or other vehicle. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims such as sideswiping another vehicle, colliding with another moving vehicle, scraping a guard rail and damaging your car on a curb. This coverage can be expensive, so consider dropping it from older vehicles. It’s also possible to bump up the deductible to save money on collision insurance.

Liability car insurance

This coverage will cover damage that occurs to a person or their property. It protects YOU against claims from other people, and does not provide coverage for your injuries or vehicle damage.

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 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.

Liability coverage protects against things like bail bonds, legal defense fees, pain and suffering and structural damage. How much coverage you buy is your choice, but you should buy higher limits if possible.

Comprehensive insurance

This will pay to fix damage OTHER than collision with another vehicle or object. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims such as damage from flooding, a broken windshield and hail damage. The maximum payout you’ll receive from a claim is the actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Uninsured/Underinsured Motorist (UM/UIM)

Your UM/UIM coverage protects you and your vehicle’s occupants from other motorists when they do not carry enough liability coverage. Covered losses include injuries to you and your family and damage to your 1998 Oldsmobile Cutlass.

Because many people only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage should not be overlooked.