How Much Does 1993 Oldsmobile Cutlass Ciera Insurance Cost?

Are you sick and tired of not being able to scrape enough together to insure your Oldsmobile every month? You are in the same boat as most other people.

Because you have many insurance companies to choose from, it can be challenging to pick a lower cost company.

You should make it a habit to shop coverage around as often as possible since prices fluctuate regularly. If you had the best price on Cutlass Ciera coverage at your last renewal you may be paying too much now. There are lots of tips to save on insurance coverage on the internet, but you can learn a bunch of ideas how to lower your insurance coverage bill.

Finding affordable coverage is not that difficult. Essentially every driver who is shopping for insurance will most likely be able to reduce their rates. Nevertheless, car owners can benefit from knowing how the larger insurance companies sell online because it can help you find the best coverage.

Quote insurance coverage online

To get cheaper insurance quotes, there a variety of ways to obtain and compare prices from many different insurance companies. The fastest way to find the cheapest Oldsmobile Cutlass Ciera insurance rates involves getting comparison quotes online. It is quite easy and can be accomplished in a couple of different ways.

1. The single most time-saving way to find low rates is a comparison rater form (click to open form in new window). This quick form keeps you from doing separate forms for every company. Completing one form compares rates direct from many companies.
2. A more difficult way to compare rate quotes requires a trip to the website for each individual company and get a separate price quote. For instance, we’ll assume you want to compare prices for Nationwide, Geico and State Farm. To get each rate you have to spend time on each company’s site and enter your policy data, which explains why we recommend starting with the first method.

   For a handy list of car insurance company links in your area, click here.

3. The least efficient way to find and compare rates is driving to insurance agencies in your area. Quoting and buying insurance online has reduced the need for local agents unless you require the trained guidance that you can only get from talking to an agent. It is possible to obtain prices from the web but have a local agent actually write the policy.

You can use whichever method you prefer to find lower rates, just compare exactly the same deductibles and coverage limits with each company. If you compare unequal deductibles or liability limits it will be impossible to truly determine the lowest rate. Slightly different insurance coverages or limits could skew the results. Just keep in mind that having more price comparisons increases the change that you will find a lower rate than you’re paying now. Not every company does prices over the internet, so you should also compare prices from them, too.

Insurance rates and discounts

Insurance is easily one of your largest bills, but companies offer discounts that can drop the cost substantially. Larger premium reductions will be automatically applied when you complete an application, but a few must be inquired about before you will receive the discount.

• Accident Forgiveness Coverage – Not really a discount, but certain companies will forgive one accident without raising rates if you have no claims before the accident.
• Own a Home – Owning your own home or condo can save a few bucks because maintaining a house is proof that your finances are in order.
• Club Memberships – Affiliation with a qualifying organization is a simple method to lower premiums on your next renewal.
• Anti-lock Brake System – Cars that have anti-lock braking systems prevent accidents so companies give up to a 10% discount.
• Multiple Vehicles – Having multiple cars or trucks on one policy can get a discount on all vehicles.
• Paper-free Discount – Many insurance companies provide a small discount for buying a policy and signing up over the internet.
• Anti-theft Discount – Anti-theft and alarm system equipped vehicles help deter theft and qualify for as much as a 10% discount.

You should keep in mind that some credits don’t apply to your bottom line cost. Most cut specific coverage prices like comprehensive or collision. If you do the math and it seems like all those discounts means the company will pay you, you aren’t that lucky.

To see providers who offer online insurance quotes, click here.

Situations that may require an agent’s advice

When it comes to choosing the right insurance coverage for your vehicles, there isn’t really a single plan that fits everyone. Everyone’s needs are different and your policy should reflect that. These are some specific questions can help discover whether you might need professional guidance.

• Do I need special endorsements for business use of my vehicle?
• Does coverage extend to Mexico or Canada?
• Am I covered if hit by an uninsured driver?
• Do I need replacement cost coverage on my 1993 Oldsmobile Cutlass Ciera?
• Should I file a claim if it’s only slightly more than my deductible?
• Does my insurance cover a custom paint job?

If you can’t answer these questions, you might consider talking to an insurance agent. If you want to speak to an agent in your area, simply complete this short form or go to this page to view a list of companies.

Insurance coverage considerations

Having a good grasp of a insurance policy can be of help when determining which coverages you need for your vehicles. The coverage terms in a policy can be impossible to understand and even agents have difficulty translating policy wording. Listed below are typical coverage types available from insurance companies.

Medical expense coverage

Med pay and PIP coverage kick in for short-term medical expenses like rehabilitation expenses, X-ray expenses, nursing services and funeral costs. They are used to fill the gap from your health insurance policy or if you lack health insurance entirely. They cover all vehicle occupants in addition to getting struck while a pedestrian. PIP coverage is only offered in select states but can be used in place of medical payments coverage

Uninsured or underinsured coverage

Uninsured or Underinsured Motorist coverage gives you protection from other motorists when they do not carry enough liability coverage. It can pay for injuries sustained by your vehicle’s occupants and also any damage incurred to your Oldsmobile Cutlass Ciera.

Since many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Comprehensive protection

This coverage pays for damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims such as a broken windshield, hitting a deer, hail damage and fire damage. The most you’ll receive from a claim is the market value of your vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Coverage for liability

Liability coverage protects you from injuries or damage you cause to a person or their property in an accident. It protects you from claims by other people, and does not provide coverage for your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see policy limits of 100/300/100 that translate to $100,000 in coverage for each person’s injuries, a limit of $300,000 in injury protection per accident, and a total limit of $100,000 for damage to vehicles and property.

Liability coverage protects against claims such as bail bonds, legal defense fees, medical expenses and repair costs for stationary objects. How much liability should you purchase? That is a personal decision, but buy higher limits if possible.

Collision coverage protection

Collision insurance pays for damage to your Cutlass Ciera caused by collision with another car or object. You have to pay a deductible and then insurance will cover the remainder.

Collision can pay for claims like crashing into a ditch, colliding with another moving vehicle, crashing into a building and colliding with a tree. Paying for collision coverage can be pricey, so consider dropping it from lower value vehicles. You can also choose a higher deductible to get cheaper collision coverage.

Shop Smart and Save

Discount 1993 Oldsmobile Cutlass Ciera insurance is definitely available from both online companies and from local agencies, and you should compare price quotes from both in order to have the best chance of saving money. Some insurance companies may not offer the ability to get a quote online and usually these regional insurance providers prefer to sell through local independent agencies.

We just covered some good ideas how to shop for 1993 Oldsmobile Cutlass Ciera insurance online. The key thing to remember is the more rate comparisons you have, the higher your chance of finding affordable insurance. Consumers may even find the biggest savings come from an unexpected company. These companies can often insure niche markets at a lower cost than their larger competitors like State Farm or Progressive.

Other information

• Speed and Speed Limit FAQ (iihs.org)
• Get the Right Protection (InsureUonline.org)
• Child Safety Seats (Insurance Information Insitute)
• Collision Insurance Coverage (Nationwide)
• Auto Theft Statistics (Insurance Information Insitute)
• Older Drivers FAQ (iihs.org)