Are Your Oldsmobile Cutlass Ciera Auto Insurance Rates Way Too Much?

Buyers have lots of choices when searching for low-cost Oldsmobile Cutlass Ciera insurance. You can either spend your time struggling with agents trying to get quotes or save time using the internet to make rate comparisons. There is a right way and a wrong way to compare auto insurance rates so we’re going to tell you the best way to price shop coverage for a new or used Oldsmobile and locate the lowest possible price.

It’s a great practice to do rate comparisons on a regular basis since insurance rates are constantly changing. Even if you think you had the best price for Cutlass Ciera insurance six months ago other companies may now be cheaper. Forget anything you know (or think you know) about auto insurance because we’re going to demonstrate one of the best ways to find better coverage at a better price.

Finding the best rates is not that difficult. If you currently have car insurance, you will be able to reduce your rates substantially using this information. Although car owners can benefit by having an understanding of how the larger insurance companies sell insurance online because it can help you find the best coverage.

Free Auto Insurance Quotes

There are multiple methods to compare auto insurance prices but there is one way that is less labor-intensive and much quicker. You can spend countless hours talking about coverages with insurance companies in your area, or you could use online quotes to get the quickest rates.

Most major companies take part in a program where insurance shoppers send in one quote, and at least one company can provide price quotes. This eliminates the need for repetitive form submissions to each individual auto insurance company. To find out what other companies charge click here to start a free quote.

The one disadvantage to doing it this way is you don’t know exactly the insurers to get quotes from. So if you prefer to choose specific providers to receive pricing from, we put together a list of companies who write auto insurance in your area. Click here for list of insurance companies.

Which method you use is up to you, but ensure you’re using the exact same coverage limits and deductibles on every quote you get. If you have mixed coverages you can’t possibly determine the lowest rate for your Oldsmobile Cutlass Ciera. Slightly different coverage limits can mean a large discrepancy in price. And when quoting auto insurance, remember that comparing a large number of companies provides better odds of finding the best price.

Save big with these discounts

Companies don’t always publicize all available discounts very clearly, so here is a list some of the more common and the more hidden auto insurance savings.

• No Accidents – Claim-free drivers pay less when compared to accident-prone drivers.
• Drive Less and Save – Driving fewer miles can earn a substantially lower rate.
• Auto/Home Discount – When you have multiple policies with one company you may save up to 20% off your total premium.
• Life Insurance – Select insurance companies reward you with lower rates if you buy life insurance from them.
• Driver’s Ed – Cut your cost by having your teen driver successfully complete driver’s ed class if offered at their school.
• Multiple Cars – Having all your vehicles on the same auto insurance policy qualifies for this discount.
• Defensive Driver – Taking a course in driver safety can save you 5% or more and easily recoup the cost of the course.
• Seat Belts Save more than Lives – Drivers who require all occupants to wear their seat belts can save 10% or more on the medical payments or PIP coverage costs.
• Anti-lock Brake System – Vehicles equipped with ABS or steering control prevent accidents and qualify for as much as a 10% discount.
• Resident Student – Kids in college living away from home attending college and do not have access to a covered vehicle can receive lower rates.

Consumers should know that most of the big mark downs will not be given to your bottom line cost. Some only reduce the cost of specific coverages such as medical payments or collision. So even though they make it sound like you could get a free auto insurance policy, it just doesn’t work that way.

To choose companies who offer auto insurance discounts, click this link.

Oldsmobile Cutlass Ciera rates are made up of many parts

An important part of buying insurance is that you know the factors that help determine the rates you pay for auto insurance. Understanding what determines base rates empowers consumers to make smart changes that may reward you with big savings.

The following are a few of the “ingredients” used by your company to calculate rates.

• More people means more accidents – Residing in less populated areas is a positive aspect when buying auto insurance. Drivers in populated areas regularly have more traffic problems and a longer drive to work. Fewer people means reduced accidents as well as less vandalism and auto theft.
• Don’t let your coverage lapse – Having an insurance coverage lapse will be a sure-fire way to pay more for auto insurance. And not only will insurance be more expensive, failure to provide proof of insurance may earn you a steep fine or even jail time.
• Bad driving skills means higher rates – Your driving record has a lot to do with how much you pay for insurance. Careful drivers get better rates than their less careful counterparts. Even one ticket can boost insurance rates by twenty percent. Drivers who get dangerous violations such as reckless driving, hit and run or driving under the influence may be required to file a SR-22 to the state department of motor vehicles in order to prevent a license revocation.
• Teen drivers pay high rates – Youthful drivers are known to be less responsible when behind the wheel so auto insurance rates are higher. Older insureds tend to be more responsible, tend to cause fewer accidents and get fewer tickets.
• Don’t get talked into coverage you don’t need – There are many add-on coverages you can purchase when buying auto insurance. Coverages like personal injury protection, better glass coverage and term life insurance are some examples. They may seem good at first, but if they’re wasting money get rid of them and save.
• Protect yourself with liability coverage – Liability coverage will protect you if you are found liable for damages caused by your negligence. Liability insurance provides for a legal defense up to the limits shown on your policy. Carrying liability coverage is mandatory and cheap when compared with rates for comp and collision, so do not skimp.
• How credit affects auto insurance rates – A driver’s credit score is a big factor in calculating your auto insurance rates. People with good credit tend to be more responsible than drivers who have poor credit. So if your credit is low, you could potentially save money when insuring your Oldsmobile Cutlass Ciera by improving your credit score.

Local agents and auto insurance

A small number of people would rather talk to a local agent and there is nothing wrong with that. One of the best bonuses of comparing rates online is the fact that you can find the best rates and still have an agent to talk to.

After filling out this form (opens in new window), your insurance data is instantly submitted to local insurance agents who will battle to get your business. You don’t have to visit any agencies due to the fact that quote results will go to your email. Now that’s easy! Get lower rates AND a local agent.

Deciding on an insurer needs to be determined by more than just the premium amount. Any agent should have no problem answering these questions:

• Are they able to influence company decisions when a claim is filed?
• Will their companies depreciate repairs to your car based on the mileage?
• Do the companies they represent have a solid financial rating?
• Are there any discounts that you might be missing?
• Are they properly licensed to sell insurance in your state?
• How much can you save by raising your physical damage deductibles?

Not all insurance agencies are the same

When finding a good insurance agent, there are a couple of types of insurance agents from which to choose. Agencies are classified as either captive or independent.

Captive Agents

This type of agents write business for a single company and examples are Allstate, State Farm and Farmers Insurance. Captives cannot place coverage with different providers so keep that in mind. Captive agents are well schooled in insurance sales which helps them compete with independent agents. Some consumers prefer to purchase coverage from captives primarily because of the prominence of the brand and solid financial strength.

Independent Agents

Independent agencies do not work for one specific company so they have the ability to put coverage amongst many companies depending on which coverage is best. To transfer your coverage to a different company, the business is moved internally and you don’t have to find a new agent. When comparison shopping, you should always contact several independent insurance agents to get the best comparison.Many can place coverage with different regional companies which may provide better rates.

To view a complete directory of agencies, click here.

Upon getting acceptable answers to these questions and an acceptable price quote, you may have just found an insurance agent that can properly insure your vehicles.

What coverages do I need?

When choosing coverage for your personal vehicles, there really is no cookie cutter policy. Your needs are not the same as everyone else’s.

For example, these questions can help discover if your insurance needs might need professional guidance.

• Who is covered by my policy?
• What is covered by UM/UIM coverage?
• Do I have coverage if my license is suspended?
• Will I lose any money if I cancel my policy before it expires?
• Will my vehicle be repaired with OEM or aftermarket parts?
• Is a new car covered when I drive it off the dealer lot?
• When would I need rental car insurance?

If you don’t know the answers to these questions, you may need to chat with a licensed insurance agent. To find lower rates from a local agent, complete this form.

Final considerations

We just presented some good ideas how to lower your Oldsmobile Cutlass Ciera insurance rates. It’s most important to understand that the more rate comparisons you have, the better likelihood of reducing your rate. Consumers could even find that the biggest savings come from some of the lesser-known companies.

The cheapest Oldsmobile Cutlass Ciera insurance can be sourced on the web in addition to many insurance agents, and you should compare price quotes from both to have the best rate selection. A few companies do not provide online quoting and many times these small insurance companies only sell through independent insurance agents.

People switch companies for many reasons like policy non-renewal, extreme rates for teen drivers, unfair underwriting practices and lack of trust in their agent. Whatever your reason, choosing a new insurance company can be less work than you think.