Cheap 1991 Oldsmobile Cutlass Calais Insurance Quotes

Searching for lower auto insurance rates for your Oldsmobile Cutlass Calais? Wish you could get out of high-priced auto insurance? You’re preaching to the choir because there are a lot of people just like you who feel imprisoned by their auto insurance policy.

Multiple insurers compete for your insurance dollar, so it can be very hard to choose a company and get the definite lowest price

Smart consumers take time to get comparison quotes yearly because prices are adjusted regularly by insurance companies. Even if you think you had the best price on Cutlass Calais insurance a few years ago you can probably find a better rate now. Ignore everything you know about auto insurance because we’re going to show you one of the easiest ways to properly buy coverages and cut your premium.

If you are paying for car insurance now, you stand a good chance to be able to save some money using this information. Buying car insurance is easy if you know what you’re doing. Although drivers can benefit by having an understanding of the way insurance companies compete online.

Affordable auto insurance

To find the best auto insurance rates, there are several ways to get quotes from different insurance companies. The easiest way to find the cheapest 1991 Oldsmobile Cutlass Calais insurance rates is to perform an online rate comparison. This is quite simple and can be completed by using one of the methods below.

  1. The fastest and easiest way to get quotes for comparison is to use a rate comparison form (click to open form in new window). This type of form eliminates the need for repetitive form submissions to each individual auto insurance company. Completing one form will get you rate comparisons from many national carriers.
  2. A more time consuming way to find better pricing consists of visiting the website of each company and complete a new quote form. For sake of this example, we’ll assume you want to compare Auto-Owners, Progressive and Liberty Mutual. To find out each rate you need to go to every website and enter your policy data, which can get old fast.

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

  3. If you have time to kill, the last method to find and compare rates is to drive around to different agent offices. Buying insurance online makes this unnecessary unless your situation requires the trained advice that you can only get from talking to an agent. You can, however, get the lowest quotes online but still have the advice of a local agent.

How you compare quotes is your choice, just do your best to enter apples-to-apples coverages and limits for every quote you compare. If you enter mixed coverages you will not be able to determine which rate is truly the best. Even a minor difference in coverage limits can result in a big premium difference. It’s important to know that obtaining a wide range of quotes helps improve the odds of finding a lower rate. Some smaller insurers to not give rate quotes online, so you also need to get rates on coverage from those companies, too.

These discounts can lower your car insurance quotes

Companies that sell car insurance don’t necessarily list all possible discounts in an easy-to-find place, so the list below details both the well known and the more hidden credits that you can use to lower your rates.

  • Accident-Free Discounts – Claim-free drivers pay less when compared with frequent claim filers.
  • Data Collection Discounts – Drivers that enable driving data collection to analyze vehicle usage through the use of a telematics system such as Snapshot from Progressive or Drivewise from Allstate might get better premium rates as long as the data is positive.
  • Discount for Low Mileage – Low mileage vehicles could earn substantially lower premium rates.
  • College Student Discount – College-age children who live away from home at college and won’t have access to an insured vehicle can be insured at a reduced rate.
  • First Accident Forgiveness – Not really a discount, but some companies like GEICO and Liberty Mutual allow you one accident before they charge you more for coverage if you are claim-free prior to the accident.
  • Memberships – Belonging to qualifying employment or professional organizations could qualify you for a break when shopping for car insurance.
  • Online Discount – Some larger companies may give you up to $50 shop auto insurance on their website.
  • Service Members Pay Less – Being on active duty in the military may lower your premium rates slightly.
  • Early Renewal Discounts – Select larger companies give a discount for renewing your policy prior to your current policy expiration. It could save around 10% when you buy auto insurance online.

As a disclaimer on discounts, most discount credits are not given the the whole policy. A few only apply to the price of certain insurance coverages like liability and collision coverage. Even though the math looks like you can get free auto insurance, it’s just not the way it works.

Companies and some of the premium reductions they offer are detailed below.

  • Farmers Insurance has savings for bundle discounts, business and professional, distant student, homeowner, electronic funds transfer, and switch companies.
  • State Farm may offer discounts for passive restraint, accident-free, good student, Drive Safe & Save, and student away at school.
  • Liberty Mutual may include discounts for new move discount, new vehicle discount, hybrid vehicle, exclusive group savings, new graduate, newly married, and preferred payment discount.
  • MetLife offers premium reductions for good student, accident-free, claim-free, multi-policy, good driver, and defensive driver.
  • Progressive offers discounts for continuous coverage, good student, homeowner, multi-vehicle, and online signing.

Double check with every insurance company which credits you are entitled to. Depending on the company, some discounts may not apply to policies everywhere. To view insurers that offer many of these discounts, click this link.

Different people need different insurance coverages

When buying the right insurance coverage for your personal vehicles, there really is no best way to insure your cars. Everyone’s needs are different and your policy should reflect that. For example, these questions may help you determine if you would benefit from professional advice.

  • Are all vehicle passengers covered by medical payments coverage?
  • Are there companies who specialize in insuring high-risk drivers?
  • Do I benefit by insuring my home with the same company?
  • How many claims can I have before being cancelled?
  • Do I pay less if my vehicle is kept in my garage?
  • What are the best liability limits?
  • Does coverage extend to Mexico or Canada?
  • Am I covered when using my vehicle for business?
  • Is business equipment covered while in my vehicle?

If you’re not sure about those questions then you might want to talk to an insurance agent. To find an agent in your area, complete this form or go to this page to view a list of companies.

Insurance coverage breakdown

Knowing the specifics of a insurance policy helps when choosing appropriate coverage and the correct deductibles and limits. Insurance terms can be ambiguous and even agents have difficulty translating policy wording. Listed below are the usual coverages offered by insurance companies.

Coverage for medical expenses

Personal Injury Protection (PIP) and medical payments coverage provide coverage for short-term medical expenses for things like pain medications, doctor visits, ambulance fees, hospital visits and dental work. They are used to fill the gap from your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants as well as any family member struck as a pedestrian. PIP coverage is not an option in every state but can be used in place of medical payments coverage

Comprehensive insurance

This coverage will pay to fix damage that is not covered by collision coverage. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims like a tree branch falling on your vehicle, damage from getting keyed, fire damage and hitting a bird. The highest amount you can receive from a comprehensive claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Collision coverage protection

This coverage pays for damage to your Cutlass Calais resulting from colliding with another car or object. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision can pay for things such as hitting a parking meter, rolling your car and colliding with another moving vehicle. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. It’s also possible to increase the deductible to save money on collision insurance.

Coverage for uninsured or underinsured drivers

Uninsured or Underinsured Motorist coverage protects you and your vehicle when the “other guys” do not carry enough liability coverage. It can pay for injuries sustained by your vehicle’s occupants as well as damage to your Oldsmobile Cutlass Calais.

Since a lot of drivers only purchase the least amount of liability that is required, their limits can quickly be used up. For this reason, having high UM/UIM coverages should not be overlooked.

Liability insurance

Liability coverage will cover damages or injuries you inflict on other people or property. It protects you from legal claims by others. Liability doesn’t cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You might see limits of 100/300/100 which stand for $100,000 in coverage for each person’s injuries, a limit of $300,000 in injury protection per accident, and a limit of $100,000 paid for damaged property.

Liability coverage protects against claims such as legal defense fees, emergency aid, repair costs for stationary objects, loss of income and court costs. How much coverage you buy is a decision to put some thought into, but buy higher limits if possible.