1999 Oldsmobile Cutlass Insurance Quotes

Want lower auto insurance rates for your Oldsmobile Cutlass? Have you fallen victim to an overpriced auto insurance policy? Don’t sweat it because there are lots of people in the same boat.

Many auto insurance companies vie for your insurance dollar, and because of this it can be hard to compare insurance companies and uncover the absolute lowest rate possible.

If you have car insurance now, you stand a good chance to be able to reduce your rates substantially using these methods. Choosing the best insurance company for you is not rocket science. But consumers need to have an understanding of the way companies sell insurance online because it can help you find the best coverage.

Low cost car insurance rate quotes online

All the larger car insurance companies such as Allstate and Progressive allow you to get prices directly from their websites. The process is possible for anyone as you simply enter your coverage preferences into a form. Once entered, the company’s rating system makes automated requests for your driving record and credit report and gives you a price quote determined by many factors. Online quotes makes it easy to compare insurance prices but the time it takes to visit several different sites and type in the same information is a waste of time. But it is imperative to do this in order to get the lowest price.

A less time-consuming method to find better car insurance pricing is to use a quote form that analyzes rates from several companies at one time. It saves time, eliminates repetitive work, and makes online shopping much easier. As soon as the form is sent, your coverage is rated and you can choose any of the quotes that you receive.

If the quotes result in lower rates, you can click and sign and buy the new coverage. This process can be completed in less than 10 minutes and may result in a nice savings.

To fill out one form to compare multiple rates now, click here and begin entering your coverage information. If you have a policy now, it’s recommended you duplicate the coverages exactly as they are listed on your policy. Using the same limits helps guarantee you are getting a price comparison based on similar coverages.

Take advantage of every insurance coverage discount

The price of auto insurance can be rather high, but you might find some hidden discounts that many consumers don’t even know exist. A few discounts will automatically apply when you purchase, but some must be specifically requested prior to getting the savings. If you are not receiving all the discounts possible, you could be saving more on your insurance coverage.

Discounts for Government Workers – Active or retired federal employment could provide a small rate reduction for Cutlass coverage with select insurance companies.
Lower Rates for Military – Having a family member in the military could trigger a small discount.
Auto/Life Discount – Not all insurance carriers offer life insurance, but some may give you a break if you buy a life insurance policy as well.
Seat Belts Save – Drivers who require all occupants to buckle up could cut 10% or more on the medical payments or PIP coverage costs.
Buy New and Save – Insuring a new car can be considerably cheaper since new model year vehicles have better safety ratings.
Distant College Student Discount – College-age children who live away from home at college and do not have access to a covered vehicle can receive lower rates.
Senior Citizens – If you qualify as a senior citizen, you may be able to get a slight reduction on a insurance coverage quote for Cutlass coverage.
Professional Memberships – Being in a qualifying organization could earn you a nice discount when shopping for insurance coverage.

A little disclaimer on discounts, many deductions do not apply to the overall cost of the policy. Some only reduce specific coverage prices like liability and collision coverage. So when the math indicates adding up those discounts means a free policy, it’s just not the way it works. But all discounts will definitely reduce your overall premium however.

Companies and their possible discounts can be found below.

Farm Bureau may include discounts for youthful driver, good student, safe driver, 55 and retired, multi-vehicle, and driver training.
MetLife offers discounts including claim-free, good driver, accident-free, defensive driver, good student, and multi-policy.
Progressive may have discounts that include good student, online quote discount, homeowner, multi-vehicle, and continuous coverage.
AAA may offer discounts for good student, multi-car, education and occupation, good driver, AAA membership discount, and pay-in-full.
American Family offers premium reductions for Steer into Savings, TimeAway discount, mySafetyValet, good driver, multi-vehicle, and bundled insurance.
GEICO includes discounts for multi-vehicle, five-year accident-free, emergency military deployment, defensive driver, driver training, and air bags.
State Farm has savings for Steer Clear safe driver discount, accident-free, good student, student away at school, safe vehicle, and Drive Safe & Save.

When getting free insurance coverage quotes, it’s a good idea to each insurance company what discounts are available to you. Some of the discounts discussed earlier might not apply everywhere. To choose providers with discount rates, click this link.

How to know if you need help

When choosing the best insurance coverage coverage for your personal vehicles, there is no “perfect” insurance plan. Everyone’s needs are different so your insurance should reflect that For example, these questions might help in determining if your situation would benefit from professional advice.

Should I buy only the required minimum liability coverage?
Is a new car covered when I drive it off the dealer lot?
What is covered by UM/UIM coverage?
Can I drive in Mexico and have coverage?
Why am I required to buy liability insurance?
Why do I only qualify for high-risk insurance?
Is my 1999 Oldsmobile Cutlass covered for smoke damage?
How can I get my company to pay me more for my totalled car?

If it’s difficult to answer those questions, then you may want to think about talking to a licensed insurance agent. If you want to speak to an agent in your area, complete this form or you can go here for a list of companies in your area.

Insurance specifics

Having a good grasp of your policy aids in choosing the right coverages for your vehicles. Policy terminology can be impossible to understand and even agents have difficulty translating policy wording. These are typical coverage types found on most insurance policies.

Auto liability insurance

Liability insurance protects you from damage or injury you incur to people or other property in an accident. This insurance protects YOU against other people’s claims, and does not provide coverage for damage to your own property or vehicle.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see values of 50/100/50 that translate to a limit of $50,000 per injured person, a limit of $100,000 in injury protection per accident, and a total limit of $50,000 for damage to vehicles and property. Occasionally you may see one limit called combined single limit (CSL) which limits claims to one amount without having the split limit caps.

Liability insurance covers claims such as emergency aid, attorney fees, structural damage, repair bills for other people’s vehicles and medical services. How much liability should you purchase? That is up to you, but buy higher limits if possible.

Uninsured Motorist or Underinsured Motorist insurance

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other motorists when they either are underinsured or have no liability coverage at all. Covered claims include injuries sustained by your vehicle’s occupants as well as damage to your Oldsmobile Cutlass.

Since a lot of drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage should not be overlooked. Frequently the UM/UIM limits do not exceed the liability coverage limits.

Insurance for medical payments

Medical payments and Personal Injury Protection insurance provide coverage for immediate expenses such as dental work, doctor visits, pain medications and funeral costs. They are used in conjunction with a health insurance plan or if there is no health insurance coverage. Coverage applies to you and your occupants and also covers any family member struck as a pedestrian. PIP is only offered in select states and may carry a deductible

Coverage for collisions

Collision coverage covers damage to your Cutlass resulting from a collision with an object or car. A deductible applies then your collision coverage will kick in.

Collision coverage pays for things like scraping a guard rail, crashing into a ditch, sustaining damage from a pot hole, damaging your car on a curb and sideswiping another vehicle. This coverage can be expensive, so consider removing coverage from older vehicles. Another option is to bump up the deductible to get cheaper collision coverage.

Comprehensive coverage (or Other than Collision)

This pays for damage that is not covered by collision coverage. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims such as a broken windshield, hitting a deer and a tree branch falling on your vehicle. The highest amount a insurance company will pay at claim time is the actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.