Locating low-cost insurance for a new or used Oldsmobile Ciera could be difficult, but you can follow the following methods to find lower rates.
There is a right way and a wrong way to shop for insurance coverage so you’re going to learn the absolute fastest way to compare rates on a Oldsmobile and locate the best price possible.
Performing a rate comparison can be exhausting if you don’t utilize the best way to get rate quotes. You can waste a few hours (or days) talking to insurance companies in your area, or you can stay home and use the internet to get prices fast.
Most of the larger companies belong to a marketplace that enables customers to submit one quote, and each company then returns a price quote based on that information. This prevents consumers from doing quote requests for each company.
To participate in this free quote system, click here to open in new window.
One minor caviat to pricing coverage this way is that you can’t choose the companies to receive prices from. So if you prefer to choose from a list of companies to compare rates, we put together a list of car insurance companies in your area. View list of insurance companies.
It’s your choice how you get your quotes, but ensure you are comparing apples-to-apples coverages and limits for each price quote. If the quotes have unequal deductibles or liability limits then you won’t be able to determine which rate is truly the best.
When buying coverage, there really is no perfect coverage plan. Every situation is different.
For instance, these questions can aid in determining if your insurance needs would benefit from professional advice.
If it’s difficult to answer those questions then you might want to talk to a licensed agent. If you don’t have a local agent, complete this form. It only takes a few minutes and you can get the answers you need.
Understanding the coverages of your auto insurance policy can help you determine the right coverages and the correct deductibles and limits. Auto insurance terms can be impossible to understand and nobody wants to actually read their policy.
Uninsured/Underinsured Motorist coverage
Your UM/UIM coverage protects you and your vehicle from other motorists when they are uninsured or don’t have enough coverage. Covered claims include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.
Since many drivers carry very low liability coverage limits, their limits can quickly be used up. So UM/UIM coverage is very important. Normally the UM/UIM limits are set the same as your liablity limits.
Medical payments coverage and PIP
Med pay and PIP coverage reimburse you for expenses for things like nursing services, funeral costs and chiropractic care. The coverages can be used to fill the gap from your health insurance policy or if you are not covered by health insurance. It covers you and your occupants and will also cover any family member struck as a pedestrian. Personal Injury Protection is not universally available but it provides additional coverages not offered by medical payments coverage
This coverage will pay to fix damage to your Ciera from colliding with an object or car. You first must pay a deductible and the rest of the damage will be paid by collision coverage.
Collision coverage pays for things like hitting a mailbox, sustaining damage from a pot hole, scraping a guard rail and rolling your car. This coverage can be expensive, so consider removing coverage from vehicles that are older. It’s also possible to raise the deductible to get cheaper collision coverage.
Liability coverage can cover damage or injury you incur to other people or property that is your fault. It protects YOU against claims from other people, and doesn’t cover your injuries or vehicle damage.
It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show liability limits of 100/300/100 which means $100,000 in coverage for each person’s injuries, a per accident bodily injury limit of $300,000, and a total limit of $100,000 for damage to vehicles and property. Alternatively, you may have a combined limit which provides one coverage limit rather than limiting it on a per person basis.
Liability insurance covers things such as pain and suffering, repair bills for other people’s vehicles and funeral expenses. How much liability coverage do you need? That is up to you, but consider buying as large an amount as possible.
Comprehensive insurance coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive insurance covers claims such as a broken windshield, vandalism, damage from getting keyed, hitting a deer and fire damage. The highest amount a auto insurance company will pay at claim time is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.