1991 Oldsmobile Cutlass Calais Car Insurance Cost – 5 Tips for Cheapest Prices

Trying to find cheaper car insurance rates for your Oldsmobile Cutlass Calais? Searching for cheaper insurance for your Oldsmobile Cutlass Calais can normally be a lot of work, but you can use these tips to make it easier.

There is a better way to shop for car insurance so we’re going to tell you the proper way to quote coverages for a Oldsmobile and find the lowest price from local insurance agents and online providers.

Automobile Insurance Quotes

Comparing insurance rates can take hours if you don’t utilize the best way to get rate quotes. You could waste time discussing policy coverages with local insurance agents in your area, or you can utilize online quoting to get rate comparisons in just a few minutes.

Most car insurance companies take part in a program where prospective buyers complete one form, and each participating company returns a rated price determined by their information. This prevents consumers from doing quote requests to each company. To find out how much you can save on insurance click here (opens in new window).

The one downside to doing it this way is buyers cannot specifically choose the companies you will receive quotes from. So if you want to choose individual companies to compare prices, we have assembled a list of companies who write insurance in your area. Click to view list.

Which method you use is up to you, but make sure you use apples-to-apples quote information for every quote you compare. If you enter unequal deductibles or liability limits it’s not possible to decipher which rate is best.

Tailor your coverage to you

When choosing coverage, there really is not a “perfect” insurance plan. Coverage needs to be tailored to your specific needs.

For instance, these questions might help in determining if your situation would benefit from an agent’s advice.

  • Do I need higher collision deductibles?
  • Do I benefit by insuring my home with the same company?
  • Am I covered if I hit my neighbor’s mailbox?
  • Is my babysitter covered when using my vehicle?
  • Should I have combined single limit or split liability limits?
  • If my pet gets injured in an accident are they covered?

If you’re not sure about those questions, you may need to chat with an agent. If you want to speak to an agent in your area, fill out this quick form. It only takes a few minutes and can help protect your family.

Coverage specifics

Having a good grasp of your auto insurance policy can be of help when determining which coverages you need and proper limits and deductibles. The coverage terms in a policy can be impossible to understand and coverage can change by endorsement.

Uninsured or underinsured coverage

This provides protection when the “other guys” are uninsured or don’t have enough coverage. Covered claims include injuries to you and your family and damage to your 1991 Oldsmobile Cutlass Calais.

Because many people carry very low liability coverage limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Frequently these limits are similar to your liability insurance amounts.

Liability coverages

This coverage can cover damages or injuries you inflict on people or other property. 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 means $100,000 bodily injury coverage, a per accident bodily injury limit of $300,000, and $100,000 of coverage for damaged propery. Another option is a combined limit which limits claims to one amount rather than limiting it on a per person basis.

Liability coverage protects against things such as structural damage, legal defense fees, repair costs for stationary objects and attorney fees. How much coverage you buy is up to you, but consider buying as much as you can afford.

Comprehensive protection

Comprehensive insurance coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive insurance covers things like damage from getting keyed, rock chips in glass, falling objects and hitting a bird. The maximum payout a auto insurance company will pay at claim time is the market value of your vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Collision coverage

This pays for damage to your Cutlass Calais caused by collision with another car or object. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against things like hitting a parking meter, backing into a parked car, hitting a mailbox, driving through your garage door and colliding with another moving vehicle. Collision is rather expensive coverage, so consider dropping it from lower value vehicles. Drivers also have the option to bump up the deductible to bring the cost down.

Medical expense coverage

Coverage for medical payments and/or PIP provide coverage for short-term medical expenses for chiropractic care, nursing services and hospital visits. The coverages can be used to cover expenses not covered by your health insurance policy or if you do not have health coverage. Coverage applies to both the driver and occupants and also covers getting struck while a pedestrian. PIP is not available in all states but can be used in place of medical payments coverage