Cheaper 1991 Oldsmobile Cutlass Calais Insurance Quotes

Buying low-cost auto insurance over the internet can seem to be challenging for beginners to buying insurance on the web. When there are so many online companies available, how can you have a chance to compare them all to find the best available rates?

If you are paying for car insurance now, you will be able to reduce your rates substantially using this information. Locating affordable insurance coverage is quite easy. But consumers must understand how companies sell insurance online and apply this information to your search.

The best way to compare rate quotes is to take advantage of the fact most of the bigger providers pay for the opportunity to give you rate quotes. All consumers are required to do is provide a small amount of information like an estimate of your credit level, whether the vehicles are used for commuting, whether you are single or married, and if it has an alarm system. Your rating data is then submitted to multiple different insurance companies and you should receive rate quotes very quickly.

To start a rate quote now, click here and find out if lower rates are available.

Don’t pay full price with these discounts

Auto insurance companies don’t always advertise every discount in an easy-to-find place, so we break down some of the best known as well as the least known savings tricks you should be using.

  • Early Signing – Select companies give a discount for switching to them before your current policy expires. This can save 10% or more.
  • Sign Online – Certain companies will give a small break just for signing your application over the internet.
  • New Vehicle Savings – Insuring a new car can save up to 30% because new vehicles have to meet stringent safety requirements.
  • Anti-lock Brake System – Vehicles equipped with ABS or steering control are safer to drive and therefore earn up to a 10% discount.
  • Theft Prevention System – Cars that have factory anti-theft systems can help prevent theft and therefore earn up to a 10% discount.
  • Save over 55 – Older drivers can possibly qualify for reduced rates on Cutlass Calais insurance.
  • Defensive Driver – Completing a course in driver safety can save you 5% or more if you qualify.
  • Fewer Miles Equal More Savings – Low mileage vehicles could qualify for lower rates on the low mileage vehicles.
  • Resident Student – Any of your kids living away from home attending college and don’t have a car may be able to be covered for less.
  • Federal Employees – Active or retired federal employment can earn a discount up to 10% on Cutlass Calais insurance with a few auto insurance companies.

As a disclaimer on discounts, many deductions do not apply to the entire policy premium. Most only apply to individual premiums such as comprehensive or collision. Just because it seems like you could get a free auto insurance policy, you won’t be that lucky.

To see a list of insurers offering auto insurance discounts, click here.

Your personal situation dictates your coverage

When it comes to choosing proper insurance coverage for your vehicles, there really is no perfect coverage plan. Everyone’s situation is unique.

These are some specific questions can aid in determining whether you might need professional guidance.

  • Are my friends covered when driving my car?
  • How much liability insurance is required?
  • Am I getting all the discounts available?
  • Do I have coverage for damage caused while driving under the influence?
  • What are the best liability limits?
  • Can I afford to buy a different vehicle if my 1991 Oldsmobile Cutlass Calais is totaled?
  • Is my ex-spouse still covered by my policy?

If it’s difficult to answer those questions but one or more may apply to you, then you may want to think about talking to an insurance agent. If you don’t have a local agent, take a second and complete this form.

Why your Oldsmobile Cutlass Calais might be costing you more

It’s important that you understand the rating factors that help determine car insurance rates. Understanding what controls the rates you pay enables informed choices that will entitle you to big savings.

  • Mature drivers pay less – Older drivers are viewed as being more responsible, statistically cause fewer accidents and are safer drivers. Teenage drivers are statistically proven to be less responsible behind the wheel therefore car insurance rates are much higher.
  • High deductibles save money – The deductibles represent how much money you are willing to pay out-of-pocket before your car insurance pays a claim. Physical damage coverage, also known as collision and other-than-collision, is used to repair damage to your car. Examples of covered claims could be colliding with a building, damage from fire, and burglary. The more money you’re willing to pay, the lower your rates will be on Cutlass Calais insurance.
  • Bundling policies can get discounts – Most insurers give discounts to policyholders who have multiple policies with them such as combining an auto and homeowners policy. Discounts can add up to five, ten or even twenty percent. If you currently are using one company, you may still want to comparison shop to make sure you are getting the best deal. You may still be able to find a better deal by buying car insurance from a different company.
  • Safer cars are cheaper to insure – Cars with high safety ratings tend to have better insurance rates. Safer cars protect occupants better and fewer injuries translates into savings for insurance companies and lower rates for you. If your Oldsmobile Cutlass Calais has ratings of a minimum four stars on Safercar.gov you are probably receiving a discount.
  • Policy add-ons can waste money – There are a lot of add-on coverages that can waste your money on your Cutlass Calais policy. Things like roadside assistance, accident forgiveness and term life insurance may be wasting your money. These coverages may sound good when you first buy your policy, but if they’re wasting money remove them from your policy.
  • More miles equals more premium – The higher the mileage driven each year the higher your rate. Most companies rate vehicles determined by how the vehicle is used. Autos that are left in the garage qualify for better rates than vehicles that are driven to work every day. Verify your car insurance declarations sheet shows the correct usage for each vehicle. If your policy improperly rates your Cutlass Calais may be wasting your money.

Coverage specifics

Having a good grasp of your car insurance policy can be of help when determining which coverages you need at the best deductibles and correct limits. The terms used in a policy can be confusing and even agents have difficulty translating policy wording.

Medical expense insurance

Med pay and PIP coverage kick in for expenses for things like funeral costs, chiropractic care, hospital visits, nursing services and ambulance fees. They can be utilized in addition to your health insurance plan or if you are not covered by health insurance. Medical payments and PIP cover not only the driver but also the vehicle occupants and also covers if you are hit as a while walking down the street. PIP coverage is not an option in every state and may carry a deductible

Protection from uninsured/underinsured drivers

This coverage gives you protection when other motorists either have no liability insurance or not enough. It can pay for medical payments for you and your occupants and also any damage incurred to your Oldsmobile Cutlass Calais.

Due to the fact that many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. So UM/UIM coverage should not be overlooked.

Auto collision coverage

This coverage pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims like crashing into a ditch, driving through your garage door, colliding with a tree, rolling your car and crashing into a building. Paying for collision coverage can be pricey, so consider removing coverage from lower value vehicles. Another option is to increase the deductible to save money on collision insurance.

Liability auto insurance

This will cover damage that occurs to people or other property. It protects YOU from claims by other people. Liability doesn’t cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show liability limits of 50/100/50 that translate to a limit of $50,000 per injured person, a total of $100,000 of bodily injury coverage per accident, and a total limit of $50,000 for damage to vehicles and property.

Liability insurance covers things like repair bills for other people’s vehicles, medical services and legal defense fees. How much liability coverage do you need? That is a personal decision, but you should buy as large an amount as possible.

Comprehensive (Other than Collision)

Comprehensive insurance will pay to fix damage OTHER than collision with another vehicle or object. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims such as fire damage, a tree branch falling on your vehicle and theft. The most you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Do the work, save more money

We just presented some good ideas how you can save on 1991 Oldsmobile Cutlass Calais insurance. The key concept to understand is the more providers you compare, the more likely it is that you will get a better rate. You may even find the best prices are with the smaller companies.

People who switch companies do it for a variety of reasons including denial of a claim, unfair underwriting practices, extreme rates for teen drivers and questionable increases in premium. It doesn’t matter what your reason, finding a great new company is easier than you think.

Affordable insurance is available both online and also from your neighborhood agents, and you need to comparison shop both to get a complete price analysis. There are still a few companies who may not provide online price quotes and these regional insurance providers work with independent agents.

Additional detailed information is available at these sites: