Lower Your 1993 Oldsmobile Cutlass Ciera Insurance Cost

Want cheaper car insurance rates for your Oldsmobile Cutlass Ciera? I can’t think of a single person who rejoices having to buy car insurance, in particular when they could lower their rates if they shopped around.

Due to the increasing number of choices of insurance companies, it can be hard to pick the most cost effective car insurance provider.

The most recommended method to compare policy rates is to realize auto insurance companies have advanced systems to compare rate quotes. The one thing you need to do is give them some information like deductibles desired, any included safety features, which vehicles you own, and if you are currently licensed. Your rating data is submitted instantly to multiple insurance providers and you will receive price estimates quickly.

To find lower rates now, click here then complete the form.

Tricks in auto insurance advertising

Well-known auto insurance companies like Progressive, Allstate and GEICO continually stream ads in print and on television. They all seem to make the same claim about saving some big amount if you change to their company. How do they all give you a lower rate? It’s all in the numbers.

Most companies have a certain “appetite” for the type of driver that makes them money. For instance, this type of driver could be over the age of 35, is a homeowner, and drives less than 5,000 miles a year. Any driver that hits that “sweet spot” receives the best car insurance rates as well as save money with a new company.

Consumers who don’t qualify for those standards may be required to pay a more expensive rate and ends up with the prospect going elsewhere. The ads state “customers that switch” not “everyone that quotes” will save that much if they switch. That is how companies can advertise the savings.

Because of the profiling, it’s extremely important to compare rate quotes every year. You cannot predict with any certainty which company will fit you best based on your risk profile.

Insurance premiums are influenced by these factors

Multiple criteria are considered when quoting car insurance. A few of the factors are predictable like your driving record, but other factors are not as apparent like your continuous coverage and annual miles driven.

  • How many miles do you drive? – The more miles you rack up on your Oldsmobile in a year’s time the more you will pay for car insurance. Most companies charge rates based on their usage. Vehicles left parked in the garage cost less to insure as compared to vehicles used primarily for driving to work. It’s a smart idea to ensure your car insurance coverage is rated on the proper vehicle usage. Having the wrong rating on your Cutlass Ciera may be costing you higher rates.
  • Your liability coverage limits – The liability section of your policy is the protection when a court rules you are at fault for causing personal injury or damage in an accident. It provides you with a defense in court to attempt to prove you were not liable. Carrying liability coverage is mandatory and cheap compared to physical damage coverage, so drivers should carry high limits.
  • How’s your driving record? – A bad driving record has a huge affect on how much you pay. Attentive drivers pay lower auto insurance prices than bad drivers. Only having one moving violation could increase your next policy renewal to the point where it’s not affordable. People who have careless violations like reckless driving, hit and run or driving under the influence may face state-mandated requirements to submit a SR-22 form to the state department of motor vehicles in order to prevent their license from being revoked.
  • Too many insurance claims will drive prices up – Auto insurance companies award lower rates to drivers who do not file claims often. If you are a frequent claim filer, you can expect either a policy non-renewal or much higher rates. Your car insurance is meant to be used in the event of the large, substantial claims.
  • Bad credit will cost you – An insured’s credit score factor in determining premium rates. Insureds that have excellent credit tend to file fewer claims and have better driving records than those with worse credit. If your credit rating can be improved, you could save money insuring your 1993 Oldsmobile Cutlass Ciera if you clean up your credit.
  • Eliminate unneeded incidental coverages – There are quite a few extra coverages you can purchase when buying car insurance. Coverages for rental car coverage, accident forgiveness, and Farm Bureau memberships may not be needed and are just wasting money. They may seem good at first, but if you don’t need them eliminate them to save money.
  • Do thieves like your car? – Owning a car that has an advanced theft prevention system can save you a little every year. Systems that thwart theives such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar help track and prevent car theft and help bring rates down.
  • Higher coverage deductibles reduce prices – Comprehensive and collision coverage deductibles represent how much money you are willing to pay if you file a covered claim. Physical damage protection, also known as collision and other-than-collision, is used to repair damage to your car. Some instances where coverage would apply are collision with another vehicle, fire damage, and having a roll-over accident. The more damage repair cost you are required to pay out-of-pocket, the less money you will pay for car insurance on Cutlass Ciera coverage.

Drivers can save with these rate-reducing discounts

Car insurance can cost a lot, but discounts can save money and there are some available to help bring down the price. Most are applied at the time of quoting, but once in a while a discount must be asked about before you will receive the discount. If you’re not getting every credit available, you may be paying too high a price.

  • Buy New and Save – Adding a new car to your policy can get you a discount because newer models are generally safer.
  • Online Discount – A handful of companies provide a small discount just for signing your application on the internet.
  • Early Signing – A few car insurance companies allow discounts for buying a new policy before your current expiration date. The savings is around 10%.
  • Student in College – Any of your kids who are enrolled in a college that is more than 100 miles from home and do not have access to a covered vehicle could get you a discount.
  • Driver Education Discount – Make teen driver coverage more affordable by requiring them to participate in a local driver’s education class as it will make them better drivers and lower rates.
  • More Vehicles More Savings – Having multiple vehicles on one policy may reduce the rate for each vehicle.

Just know that most discounts do not apply to the overall cost of the policy. Most only cut individual premiums such as medical payments or collision. Despite the fact that it seems like all those discounts means the company will pay you, it’s just not the way it works. Any amount of discount will reduce your policy premiums.

Larger car insurance companies and the discounts they provide are detailed below.

  • Farm Bureau offers discounts including driver training, renewal discount, youthful driver, 55 and retired, and multi-policy.
  • State Farm has savings for passive restraint, driver’s education, good student, safe vehicle, accident-free, good driver, and anti-theft.
  • Progressive offers premium reductions for multi-vehicle, homeowner, online signing, good student, multi-policy, continuous coverage, and online quote discount.
  • Allstate offers discounts for early signing, eSmart discount, resident student, passive restraint, economy car, and premier plus.
  • Nationwide has discounts for good student, Farm Bureau membership, business or organization, defensive driving, anti-theft, accident-free, and family plan.
  • MetLife policyholders can earn discounts including defensive driver, claim-free, good student, accident-free, good driver, multi-policy

When getting free insurance coverage quotes, it’s a good idea to each company what discounts are available to you. Some discounts listed above might not be offered on policies in every state. To find companies that offer the discounts shown above, follow this link.

Do I need special coverages?

When it comes to buying the best car insurance coverage, there isn’t really a cookie cutter policy. Every insured’s situation is different so your insurance needs to address that. For instance, these questions may help you determine whether you would benefit from an agent’s advice.

  • Who is covered when they drive my 1993 Oldsmobile Cutlass Ciera?
  • What if I total my 1993 Oldsmobile Cutlass Ciera and owe more than it’s worth?
  • Are rental cars covered under my policy?
  • When should I buy a commercial auto policy?
  • Should I get collision insurance on every vehicle?
  • Is motorclub coverage worth it?
  • What is the difference between comprehensive and collision coverage?

If you don’t know the answers to these questions but one or more may apply to you, you might consider talking to a licensed agent. If you don’t have a local agent, simply complete this short form or you can also visit this page to select a carrier

Coverage specifics

Having a good grasp of your auto insurance policy can help you determine appropriate coverage and proper limits and deductibles. Auto insurance terms can be ambiguous and even agents have difficulty translating policy wording. These are typical coverage types found on most auto insurance policies.

Uninsured or underinsured coverage – This coverage protects you and your vehicle’s occupants when the “other guys” are uninsured or don’t have enough coverage. It can pay for medical payments for you and your occupants 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, their limits can quickly be used up. For this reason, having high UM/UIM coverages is a good idea. Most of the time these coverages are similar to your liability insurance amounts.

Auto liability – Liability insurance can cover damage that occurs to other people or property that is your fault. It protects you from claims by other people. It does not cover your injuries or vehicle damage.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see policy limits of 25/50/25 that translate to a limit of $25,000 per injured person, a limit of $50,000 in injury protection per accident, and $25,000 of coverage for damaged propery. Alternatively, you may have one limit called combined single limit (CSL) that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability coverage protects against claims like medical expenses, loss of income, structural damage and emergency aid. How much liability coverage do you need? That is a personal decision, but it’s cheap coverage so purchase as high a limit as you can afford.

Collision coverage – Collision coverage pays to fix your vehicle from damage resulting from a collision 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 protects against claims like sustaining damage from a pot hole, hitting a mailbox and crashing into a ditch. Collision coverage makes up a good portion of your premium, so consider removing coverage from older vehicles. You can also choose a higher deductible to bring the cost down.

Comprehensive protection – Comprehensive insurance coverage pays for damage OTHER than collision with another vehicle or object. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims like a tree branch falling on your vehicle, damage from flooding and theft. The highest amount a auto insurance company will pay at claim time is the actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Medical expense coverage – Personal Injury Protection (PIP) and medical payments coverage provide coverage for immediate expenses such as funeral costs, prosthetic devices, EMT expenses and surgery. They are often used to cover expenses not covered by your health insurance plan or if there is no health insurance coverage. They cover not only the driver but also the vehicle occupants and also covers getting struck while a pedestrian. Personal injury protection coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Shop smart and save

There are still a few companies who do not offer internet price quotes and usually these regional carriers sell through independent insurance agents. Cheaper 1993 Oldsmobile Cutlass Ciera insurance is available on the web and also from your neighborhood agents, so you should be comparing quotes from both in order to have the best price selection to choose from.

When getting insurance coverage quotes online, do not sacrifice coverage to reduce premiums. In many cases, someone dropped uninsured motorist or liability limits and discovered at claim time that a couple dollars of savings turned into a financial nightmare. Your goal is to get the best coverage possible at the best possible price while still protecting your assets.

We just showed you quite a bit of information on how to get a better price on 1993 Oldsmobile Cutlass Ciera insurance. The key thing to remember is the more you quote insurance coverage, the more likely it is that you will get a better rate. You may even discover the lowest rates are with an unexpected company. Smaller companies may cover specific market segments cheaper compared to the large companies like GEICO and State Farm.

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