How Much Does 1993 Oldsmobile Cutlass Ciera Insurance Cost?

Searching for cheaper insurance coverage rates for your Oldsmobile Cutlass Ciera? No sane person likes buying insurance coverage, especially when their premiums are too high. There is such a variety of auto insurance companies to buy insurance from, and although it’s nice to have a choice, more options can take longer to compare rates and cut insurance costs.

It is always a good idea to check insurance coverage prices before your policy renews because rates change regularly. If you had the best rate for Cutlass Ciera coverage a year ago you can probably find a better price now. There are lots of tips to save on insurance coverage online, but in this article, you’re going to get some guaranteed methods to save money.

Finding the best rates is quite easy. If you currently have car insurance, you stand a good chance to be able to cut costs considerably using these tips. Drivers just need to understand the best way to compare company rates online.

Take policy discounts and save

Not too many consumers would say car insurance is affordable, but you might already qualify for some discounts that can dramatically reduce your bill. Certain credits will be shown when you quote, but some must be requested specifically prior to receiving the credit.

• Lower Rates for Military – Being on active deployment in the military could trigger a small discount.
• Switch and Save Discount – Some insurance companies provide a discount for switching policies prior to the expiration date on your current policy. It’s a savings of about 10%.
• Accident Free – Drivers who stay claim-free pay less when compared with frequent claim filers.
• Defensive Driver – Passing a class that teaches defensive driver techniques may get you a small discount and make you a better driver.
• Include Life Insurance and Save – Not every insurance company offers life insurance, but if they do you may earn a discounted price on car insurance if you buy a life insurance policy as well.
• Theft Deterent – Cars, trucks, and SUVs with anti-theft systems can help prevent theft so companies will give you a small discount.

Drivers should understand that most credits do not apply to your bottom line cost. Some only apply to specific coverage prices like comprehensive or collision. Just because it seems like all the discounts add up to a free policy, it doesn’t quite work that way.

A few of the larger companies and some of the discounts are outlined below.

• Geico has discounts for five-year accident-free, anti-theft, multi-vehicle, anti-lock brakes, driver training, multi-policy, and membership and employees.
• Travelers offers discounts including multi-policy, hybrid/electric vehicle, early quote, continuous insurance, new car, and good student.
• Farm Bureau offers premium reductions for multi-policy, youthful driver, 55 and retired, renewal discount, safe driver, and good student.
• Liberty Mutual may include discounts for newly married, new vehicle discount, preferred payment discount, new move discount, and hybrid vehicle.
• American Family includes discounts for early bird, bundled insurance, accident-free, TimeAway discount, and Steer into Savings.
• Progressive offers discounts for homeowner, multi-vehicle, continuous coverage, online quote discount, online signing, and good student.

When quoting, ask every insurance company to apply every possible discount. Some credits may not apply to policyholders in your area.

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How to compare auto insurance quotes

Getting a cheaper price on 1993 Oldsmobile Cutlass Ciera insurance can be quick and easy. The only thing you need to do is spend a little time getting comparison quotes to find. Rate comparisons can be done using one of these methods.

1. The fastest and easiest way to find low rates is an all-inclusive rate comparison click here to open form in new window. This method saves time by eliminating boring form submissions to each individual auto insurance company. Filling out one form will return quotes from many national carriers.
2. A more difficult way to find more affordable insurance is to take the time to go to the website for every company you want to comare and complete a new quote form. For sake of this example, we’ll pretend you want to view quotes from Progressive, Esurance and Geico. In order to get each rate, you would have to go to every website and repeatedly enter your information, and that explains why we recommend the first method.

   To view a list of companies in your area, click here.

3. If you have time to kill, the last way to price shop rates is actually driving to insurance agents’ offices. Shopping for auto insurance online can eliminate the need for a local agent unless you have a complicated situation and need the advice and guidance that can only be provided by a licensed insurance agent. Although, it is possible obtain prices from the web but still have the advice of a local agent.

You can use whichever method you prefer to find lower rates, just be sure to compare apples-to-apples coverages for every company. If you use different liability limits you can’t possibly determine which rate is truly the best.

Seven things that affect your insurance prices

Many factors are considered when premium rates are determined. Some are pretty understandable like your driving record, although others are more obscure like where you live or how financially stable you are.

• Cautious drivers pay less – Drivers who don’t get tickets have lower premiums than bad drivers. Getting just one moving violation can increase the cost of insurance by as much as twenty percent. Drivers unfortunate enough to have serious violations such as hit and run, DWI or reckless driving convictions may find that they have to to submit a SR-22 form with their state in order to prevent their license from being revoked.
• Extra policy coverages that may not be needed – Policies have additional coverages that may not really be needed when buying car insurance. Coverages like coverage for rental cars, accident forgiveness, and motor club memberships could be just wasting money. These may sound like a good investment when talking to your agent, but your money might be better spent on other coverage so eliminate them to save money.
• Does car insurance cost more for guys? – Over the last 30 years, statistics show women are more cautious behind the wheel. That doesn’t necessarily mean that females are better drivers. Both sexes are responsible for fender benders in similar percentages, but the males have costlier accidents. Not only that, but men also get more serious tickets like DWI (DUI) or reckless driving. Male teenagers are the most expensive to insure and therefore have the most expensive car insurance rates.
• Rural areas have lower costs – Choosing to live in a small town can save you money if you are looking for the lowest rates. Residents of big cities have to deal with more road rage incidents and more severe claims. Less people living in that area means fewer accidents as well as less vandalism and auto theft.
• Never have coverage lapses – Driving without insurance is a big no-no and you will pay a penalty because you let your insurance lapse for non-payment. In addition to paying higher rates, getting caught without coverage could result in a license revocation or jail time. You may need to prove you have insurance by filing a SR-22 with your state motor vehicle department.
• Liability coverage safeguards assets – Your policy’s liability coverage will provide protection if a court rules you are at fault for causing damage or personal injury in an accident. It provides you with a defense in court starting from day one. Carrying liability coverage is mandatory and cheap compared to insuring for physical damage coverage, so drivers should buy more than the minimum limits required by law.
• Do thieves like your car? – Choosing a vehicle with anti-theft technology or alarm system can save you a little every year. Theft prevention devices such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all help stop your vehicle from being stolen.

Which policy gives me the best coverage?

When it comes to choosing proper insurance coverage for your vehicles, there really is not a perfect coverage plan. Every insured’s situation is different so this has to be addressed. These are some specific questions might help in determining if your insurance needs could use an agent’s help.

• Is pleasure use cheaper than using my 1993 Oldsmobile Cutlass Ciera to commute?
• Can I get a multi-policy discount?
• Is a fancy paint job covered?
• Should I buy more coverage than the required minimum liability coverage?
• Is my state a no-fault state?
• Is a blown tire covered by insurance?
• When would I need additional glass coverage?

If you can’t answer these questions then you might want to talk to a licensed insurance agent. If you don’t have a local agent, complete this form or you can go here for a list of companies in your area. It’s fast, doesn’t cost anything and may give you better protection.

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Insurance ads bend the truth

Consumers constantly see and hear ads that claim the best premium rates from the likes of State Farm and Allstate. All the companies seem to make the promise that drivers can save some big amount if you get a free insurance coverage quote and switch your insurance policy to them.

How can each company claim to save you money? It’s all in the wording.

Different companies have underwriting criteria for the driver that earns them a profit. A good example of a desirable risk might be married and over the age of 30, has few claims, and drives less than 10,000 miles a year. Anybody who matches those parameters will probably get cheap car insurance rates and as a result will probably save money with a new company.

People who fall short of these criteria will be quoted higher premium rates and this results in the customer not buying. Company advertisements say “drivers that switch” not “everyone that quotes” save money. This is how companies can truthfully make those claims. This emphasizes why you need to get a wide range of price quotes. It’s just not possible to know which insurance companies will provide you with the cheapest premium rates.

Educate yourself about insurance coverages

Knowing the specifics of insurance can help you determine appropriate coverage and proper limits and deductibles. The terms used in a policy can be confusing and even agents have difficulty translating policy wording. Below you’ll find typical coverage types offered by insurance companies.

Auto liability insurance – This provides protection from damage that occurs to people or other property that is your fault. It protects YOU against claims from other people. Liability doesn’t cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You might see values of 100/300/100 that means you have $100,000 bodily injury coverage, a per accident bodily injury limit of $300,000, and a total limit of $100,000 for damage to vehicles and property.

Liability coverage pays for claims such as bail bonds, court costs, loss of income and emergency aid. How much liability should you purchase? That is your choice, but consider buying as large an amount as possible.

Comprehensive or Other Than Collision – This will pay to fix damage OTHER than collision with another vehicle or object. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims such as vandalism, a broken windshield, rock chips in glass and hail damage. The most you’ll receive from a claim is the ACV or actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

UM/UIM Coverage – This protects you and your vehicle’s occupants from other drivers when they either have no liability insurance or not enough. This coverage pays for injuries to you and your family and also any damage incurred to your 1993 Oldsmobile Cutlass Ciera.

Since a lot of drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages should not be overlooked.

Medical costs insurance – Medical payments and Personal Injury Protection insurance reimburse you for immediate expenses for doctor visits, pain medications, hospital visits, prosthetic devices and X-ray expenses. They can be used to cover expenses not covered by your health insurance plan or if you are not covered by health insurance. Coverage applies to not only the driver but also the vehicle occupants and will also cover being hit by a car walking across the street. Personal injury protection coverage is not available in all states and may carry a deductible

Collision coverages – Collision coverage pays to fix your vehicle from damage caused by collision with another car or object. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against things such as crashing into a building, colliding with a tree, damaging your car on a curb, hitting a mailbox and rolling your car. Collision coverage makes up a good portion of your premium, so you might think about dropping it from lower value vehicles. You can also choose a higher deductible in order to get cheaper collision rates.

In the end, you save

When you buy insurance coverage online, don’t be tempted to buy less coverage just to save a little money. Too many times, someone dropped comprehensive coverage or liability limits only to discover later that the small savings ended up costing them much more. Your aim should be to purchase plenty of coverage for the lowest cost, but do not sacrifice coverage to save money.

Throughout this article, we presented a lot of techniques to reduce 1993 Oldsmobile Cutlass Ciera insurance prices online. It’s most important to understand that the more companies you get rates for, the better likelihood of getting the cheapest insurance coverage. You may even discover the lowest priced insurance coverage comes from an unexpected company. These smaller insurers can often provide lower rates in certain areas than the large multi-state companies such as State Farm and Allstate.

More detailed insurance coverage information is located in these articles:

• Rollover Crash FAQ (iihs.org)
• Safety Features for Your New Car (State Farm)
• Safe Vehicles for Teens (iihs.org)
• Car Insurance for Teen Drivers with Divorced Parents (Allstate)

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