Compare 1998 Oldsmobile Cutlass Insurance Rates

Are you confused by the crazy number of auto insurance company choices? You have a lot of company. Consumers have so many options that it can easily become more work than you anticipated to find the perfect company for you.

You should make it a habit to take a look at other company’s rates on a regular basis due to the fact that insurance rates are adjusted regularly by insurance companies. Just because you had the best price for Cutlass coverage a year ago you will most likely find a better rate today. Starting now, ignore everything you know about auto insurance because it’s time to teach you one of the easiest ways to remove unneeded coverages and save money.

Choosing the best insurance company for you is not rocket science. Just about every vehicle owner who is required by state law to have car insurance stands a good chance to be able to lower their premiums. But drivers must understand the way companies sell insurance online and apply this information to your search.

Low Cost Insurance

All major insurance companies allow you to get coverage price quotes on the web. Getting online quotes is fairly simple as you simply enter your personal and coverage information into the quote form. After you complete the form, their system will obtain credit information and your driving record and returns pricing information.

This streamlines rate comparisons, but the work required to visit each company’s website and repetitively fill out multiple forms can be a bit tiresome and repetitive. But it is imperative to have as many quotes as possible if you want to find lower prices.

The easy way to compare rates

The quickest way to compare rates uses one simple form that gets price quotes from several companies at one time. This type of form saves time, helps eliminate reptitive entry, and makes online shopping much more efficient. Once the form is submitted, it gets priced and you can choose your choice of the quote results. If a lower price is quoted, you can simply submit the application and purchase the new policy. This process just takes a couple of minutes and you will know how your current rates stack up.

To compare rates using this form now, click here and begin entering your coverage information. If you have your current policy handy, we recommend you duplicate the insurance coverages just like they are on your policy. This way, you are getting rate comparison quotes using the same coverage and limits.

Save $464 a year? Really?

Insurance coverage companies such as Allstate, GEICO and Progressive constantly bombard you with ads on television and other media. They all seem to have a common claim of big savings if you switch your coverage to them. How do they all make the same claim?

All the different companies have a preferred profile for the type of driver they prefer to insure. An example of a profitable customer might be a mature driver, owns a home, and drives newer vehicles. Any new insured who fits that profile will get the preferred rates and most likely will save when they switch companies.

Potential customers who fall outside these standards will be charged more money which usually ends up with the driver buying from a lower-cost company. The ads say “drivers who switch” not “everybody who quotes” save money. This is how insurance companies can make those claims. That is why it is so important to get a wide range of price quotes. You cannot predict which company will provide you with the cheapest Oldsmobile Cutlass insurance rates.

These factors can influence what you pay for Oldsmobile Cutlass insurance

Smart consumers have a good feel for some of the elements that go into determining the price you pay for auto insurance. Knowing what influences your rates allows you to make educated decisions that can help you get lower auto insurance prices.

  • Never go without insurance – Having an insurance coverage lapse is a sure-fire way to increase your auto insurance rates. Not only will rates go up, failure to provide proof of insurance might get you a license revocation or jail time.
  • More people means more accidents – Being located in less populated areas can save you money when buying auto insurance. Drivers in populated areas have traffic congestion and much longer commute distances. Fewer drivers means fewer accidents.
  • Your auto insurance rates can be influenced by your job – Jobs such as real estate brokers, social workers and stock brokers are shown to have the highest rates in part from stressful work requirements and lengthy work days. On the other hand, jobs such as pilots, students and the unemployed pay the least for Cutlass coverage.
  • Too many auto insurance claims drive up costs – If you tend to file frequent claims, you can definitely plan on higher rates. Car insurance companies award lower rates to people who do not file claims often. Insurance coverage is meant to be used in the event of major claims that would cause financial hardship.
  • Clean credit earns discounts – Credit score is a important factor in determining your rates. If your credit rating is lower than you’d like, you could potentially save money when insuring your 1998 Oldsmobile Cutlass by improving your credit score. Drivers with high credit scores tend to file fewer claims and have better driving records as compared to drivers with poor credit.
  • Pay less after the wedding – Having a wife or husband can actually save you money on auto insurance. It is viewed as being more mature and responsible and statistics show married drivers get in fewer accidents.
  • Drive a safer car and pay less – Safer cars tend to have better insurance rates. The safest vehicles have better occupant injury protection and fewer injuries means less money paid by your insurance company and lower rates for you. If the Oldsmobile Cutlass is rated at least four stars on Safercar.gov you may qualify for a discount.
  • Lower rates with optional equipment – Driving a car that has an advanced theft prevention system can help bring down rates. Anti-theft devices such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all hinder your vehicle from being stolen.

Don’t pay full price with these discounts

Companies don’t necessarily list all their discounts in a way that’s easy to find, so we break down some of the more common and the more hidden car insurance savings.

  • Drivers Education – Have your child successfully complete driver’s ed class if it’s offered in school.
  • Fewer Miles Equal More Savings – Fewer annual miles on your Oldsmobile can qualify you for discounted rates on garaged vehicles.
  • Claim Free – Claim-free drivers pay much less when compared to frequent claim filers.
  • Payment Discounts – If you pay your entire premium ahead of time rather than paying monthly you could save 5% or more.
  • Federal Government Employee – Being employed by or retired from a federal job may qualify you for a discount for Cutlass coverage with select insurance companies.
  • Braking Control Discount – Vehicles with anti-lock braking systems are safer to drive and qualify for as much as a 10% discount.

As a disclaimer on discounts, some credits don’t apply the the whole policy. Most only reduce specific coverage prices like comp or med pay. So when it seems like adding up those discounts means a free policy, companies don’t profit that way.

Insurance companies that possibly offer some of the above discounts include:

It’s a good idea to ask all companies you are considering which discounts they offer. Some discounts might not be offered in your area.

Your personal situation dictates your coverage

When it comes to buying proper insurance coverage for your personal vehicles, there is no best way to insure your cars. Every insured’s situation is different.

For example, these questions could help you determine whether you would benefit from professional advice.

  • Why am I required to get a high-risk car insurance policy?
  • Am I covered if I hit my neighbor’s mailbox?
  • How much can I save by bundling my policies?
  • Is my babysitter covered when using my vehicle?
  • Does liability extend to a camper or trailer?
  • I have a DUI can I still get coverage?
  • Why is insurance for a teen driver so high?

If you don’t know the answers to these questions but a few of them apply then you might want to talk to a licensed insurance agent. To find lower rates from a local agent, simply complete this short form.

Auto insurance 101

Knowing the specifics of insurance aids in choosing the best coverages and proper limits and deductibles. The terms used in a policy can be confusing and nobody wants to actually read their policy.

UM/UIM Coverage

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 to you and your family as well as your vehicle’s damage.

Since many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Coverage for collisions

Collision insurance covers damage to your Cutlass from colliding with an object or car. A deductible applies and then insurance will cover the remainder.

Collision coverage pays for things like rolling your car, hitting a parking meter, backing into a parked car and hitting a mailbox. Collision is rather expensive coverage, so consider removing coverage from lower value vehicles. Another option is to increase the deductible to save money on collision insurance.

Auto liability

This coverage protects you from damage that occurs to other’s property or people. It protects you against claims from other people. It does not cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see values of 100/300/100 which stand for $100,000 bodily injury coverage, $300,000 for the entire accident, and $100,000 of coverage for damaged propery.

Liability insurance covers things like funeral expenses, legal defense fees and repair costs for stationary objects. The amount of liability coverage you purchase is up to you, but consider buying as much as you can afford.

Comprehensive or Other Than Collision

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

Comprehensive coverage protects against claims such as hitting a deer, damage from a tornado or hurricane, hitting a bird and a broken windshield. The most your insurance company will pay is the cash value of the vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Medical costs insurance

Personal Injury Protection (PIP) and medical payments coverage provide coverage for expenses such as ambulance fees, nursing services, funeral costs, chiropractic care and X-ray expenses. They can be utilized in addition to your health insurance program or if there is no health insurance coverage. It covers both the driver and occupants in addition to being hit by a car walking across the street. PIP is not an option in every state and may carry a deductible

A tidy conclusion

When you buy insurance online, it’s very important that you do not buy poor coverage just to save money. In many instances, an insured cut liability limits or collision coverage to discover at claim time that the few dollars in savings costed them thousands. Your goal should be to get the best coverage possible at an affordable rate while not skimping on critical coverages.

Lower-priced 1998 Oldsmobile Cutlass insurance is available from both online companies and also from your neighborhood agents, so you should be comparing quotes from both to have the best rate selection. Some insurance companies may not provide the ability to get a quote online and usually these smaller companies provide coverage only through local independent agents.

We just presented many ideas to lower your insurance rates. It’s most important to understand that the more providers you compare, the better your chances of lowering your rates. You may even discover the lowest premiums are with some of the lesser-known companies.

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