How Much Does 1991 Oldsmobile Cutlass Calais Insurance Cost?

Did a good deal turn out to be overpriced auto insurance? You’re preaching to the choir because many consumers are in the same pinch.

You have so many insurance companies to purchase coverage from, and though it is a good thing to be able to choose, it can be more challenging to adequately compare rates.

This information will introduce you to how to get online quotes and some tricks to saving. If you have car insurance now, you stand a good chance to be able to cut costs considerably using these techniques. But vehicle owners can benefit by having an understanding of how insurance companies market on the web because it can help you find the best coverage.

The best way we recommend to compare car insurance company rates is to take advantage of the fact most larger insurance companies provide online access to compare their rates. To start a quote, the only thing you need to do is give the companies some data including how much school you completed, the make and model of your vehicles, any included safety features, and whether your vehicle is owned or leased. The data is automatically sent to insurance carriers in your area and they return cost estimate instantly.

Earn discounts to get lower-cost car insurance rates

Car insurance can be pricey, but you may be missing some discounts to reduce the price significantly. Some discounts apply automatically at the time of quoting, but less common discounts must be inquired about before they will apply.

• Multi-line Discount – Select car insurance companies reward you with a small discount if you purchase life insurance.
• Student Discounts – Getting good grades can be rewarded with saving of up to 25%. Most companies allow this discount well after school through age 25.
• Payment Discounts – By making one initial payment instead of paying each month you could save up to 5%.
• Theft Prevention Discount – Cars and trucks equipped with anti-theft or alarm systems are stolen less frequently and that can save you a little bit as well.
• Air Bag Discount – Cars that have air bags or motorized seat belts may get savings of up to 25% or more.
• Military Rewards – Having an actively deployed family member could be rewarded with lower prices.
• No Claims – Insureds who avoid accidents and claims pay less as compared to drivers who are more careless.
• Student Driver Training – Teen drivers should enroll in driver’s education as it can save substantially.
• Distant Student Discount – Children living away from home attending college without a vehicle on campus could get you a discount.
• Professional Organizations – Being a member of certain professional organizations may earn a discount on your next car insurance statement.

Don’t be shocked that most discounts do not apply to the overall cost of the policy. Some only reduce specific coverage prices like comprehensive or collision. So even though you would think you could get a free car insurance policy, companies wouldn’t make money that way. But all discounts will definitely lower your policy cost.

Some of the insurance companies who may offer these money-saving discounts may include but are not limited to:

• State Farm
• Farmers Insurance
• Progressive
• Geico
• Auto-Owners Insurance
• The Hartford
• Farm Bureau
• USAA

Double check with every insurance company which credits you are entitled to. Some credits may not apply in your area. To choose insurers that offer some of these discounts, follow this link.

Get cheaper insurance rates by understanding these factors

Many factors are part of the calculation when pricing auto insurance. Some of the criteria are obvious like an MVR report, although others are more transparent such as your credit history or your vehicle rating.

• Insurance rates may be lower depending on your job – Do you have a high-stress occupation? Occupations such as judges, social workers and emergency personnel generally have higher rates than the rest of us attributed to job stress and long work hours. On the flip side, jobs such as scientists, engineers and retirees have the lowest average rates on Cutlass Calais coverage.
• High physical damage deductibles cost less – Your deductibles are the amount of money you are required to spend if a claim is determined to be covered. Physical damage coverage, commonly called comprehensive (or other-than-collision) and collision coverage, covers damage that occurs to your car. A few examples of covered claims could be collision with another vehicle, collision with a deer, and damage from wind. The more damage repair cost the insured is willing to pay, the less your company will charge you for insurance on Cutlass Calais coverage.
• Where you live can influence premiums – Being located in a rural area is a good thing when trying to find low car insurance rates. Fewer drivers on the road translates into fewer accidents in addition to lower liability claims Drivers who live in large cities have to deal with traffic congestion and more severe claims. Longer commute distances means more chance of being in an accident.
• Drive less and get lower costs – The higher the mileage driven in a year’s time the higher your rates will be. Almost all companies charge to insure your cars based on their usage. Cars and trucks used primarily for pleasure use cost less to insure than those that get driven frequently. Double check that your insurance declarations sheet is showing the right rating data. Incorrect rating for your Cutlass Calais can result in significantly higher rates.
• Poor credit decisions can cost you – Having a good credit score is a large factor in your rate calculation. If your credit history is low, you may save money insuring your 1991 Oldsmobile Cutlass Calais if you clean up your credit. Insureds with high credit ratings tend to file fewer claims than those with poor credit scores.
• How your age affects prices – Older people are viewed as being more responsible, file fewer claims and receive fewer citations.Inexperience drivers are statistically shown to be more careless when at the wheel of a vehicle therefore insurance rates are much higher.
• Insurance companies don’t like frequent insurance claims – If you’re an insured who likes to file claims you can expect either a policy non-renewal or much higher rates. Auto insurance companies generally give the best rates to people who do not file claims often. Auto insurance is intended for more catestrophic claims.
• Get a ticket, pay higher prices – Having a single driving citation can boost insurance rates to the point where it’s not affordable. Attentive drivers get better prices than bad drivers. Drivers who get flagrant tickets like DUI or willful reckless driving may be required to submit a SR-22 or proof of financial responsibility with their state’s licensing department in order to legally drive a vehicle.

Tailor your auto insurance coverage to you

When choosing adequate coverage for your vehicles, there really is no “best” method to buy coverage. Everyone’s situation is unique and a cookie cutter policy won’t apply. These are some specific questions can help discover whether or not you would benefit from an agent’s advice.

• Do I have newly-aquired coverage?
• Is my nanny covered when driving my vehicle?
• Does my insurance cover damage caused when ticketed for reckless driving?
• What are the financial responsibility laws in my state?
• Can I afford to buy a different vehicle if my 1991 Oldsmobile Cutlass Calais is totaled?
• I have a DUI can I still get coverage?
• What is covered by UM/UIM coverage?
• Is business property covered if stolen from my car?

If it’s difficult to answer those questions but you know they apply to you, you might consider talking to a licensed agent. To find lower rates from a local agent, simply complete this short form or you can also visit this page to select a carrier

Coverages available on your insurance policy

Having a good grasp of insurance aids in choosing the right coverages and the correct deductibles and limits. Insurance terms can be impossible to understand and reading a policy is terribly boring. These are the normal coverages found on the average insurance policy.

Comprehensive insurance

This pays to fix your vehicle from damage that is not covered by collision coverage. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things like vandalism, hitting a bird and falling objects. The maximum payout 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 consider dropping full coverage.

Uninsured/Underinsured Motorist (UM/UIM)

This protects you and your vehicle’s occupants when other motorists do not carry enough liability coverage. Covered losses include injuries to you and your family and damage to your Oldsmobile Cutlass Calais.

Due to the fact that many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Normally these limits do not exceed the liability coverage limits.

Med pay and Personal Injury Protection (PIP)

Personal Injury Protection (PIP) and medical payments coverage kick in for immediate expenses such as prosthetic devices, X-ray expenses, rehabilitation expenses and doctor visits. They are often used to fill the gap from your health insurance policy or if there is no health insurance coverage. It covers not only the driver but also the vehicle occupants and also covers any family member struck as a pedestrian. PIP is not available in all states and gives slightly broader coverage than med pay

Liability auto insurance

This coverage can cover damages or injuries you inflict on other’s property or people in an accident. It protects you against claims from other people, and does not provide coverage for your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see policy limits of 50/100/50 that means you have $50,000 bodily injury coverage, a total of $100,000 of bodily injury coverage per accident, and a total limit of $50,000 for damage to vehicles and property. Occasionally you may see a combined single limit or CSL which limits claims to one amount without having the split limit caps.

Liability can pay for claims like loss of income, legal defense fees, court costs, emergency aid and structural damage. How much coverage you buy is up to you, but you should buy higher limits if possible.

Collision protection

This will pay to fix damage to your Cutlass Calais caused by collision with a stationary object or other vehicle. A deductible applies and then insurance will cover the remainder.

Collision coverage protects against claims such as crashing into a ditch, damaging your car on a curb, colliding with another moving vehicle and crashing into a building. Collision coverage makes up a good portion of your premium, so consider removing coverage from older vehicles. You can also increase the deductible to bring the cost down.

Do the work, save more money

In this article, we presented a lot of information how to compare 1991 Oldsmobile Cutlass Calais insurance car insurance rates online. The most important thing to understand is the more rate quotes you have, the higher your chance of finding cheaper insurance. Consumers could even find that the lowest car insurance rates come from a smaller regional carrier. They may cover specific market segments cheaper compared to the large companies like Progressive or Geico.

When trying to cut insurance costs, never skimp on critical coverages to save a buck or two. In many instances, someone dropped liability coverage limits to discover at claim time that they should have had better coverage. The proper strategy is to get the best coverage possible at the best cost, not the least amount of coverage.

Additional detailed information can be found in these articles:

• Keeping Children Safe in Crashes Video (iihs.org)
• Crash Avoidance Technologies FAQ (iihs.org)
• Senior Drivers (Insurance Information Insitute)
• Distracted Driving Statistics (Insurance Information Insitute)