Cheap 1999 Oldsmobile Cutlass Car Insurance Quotes

Looking for better auto insurance rates for your Oldsmobile Cutlass? Scraping up a payment for overpriced Oldsmobile Cutlass insurance can empty your bank account and put a big crunch on your finances. Doing a price comparison is free and is an excellent way to make sure you’re not throwing money away. With so many online and local companies to choose from, it is hard for the average consumer to choose the right provider.

Finding affordable coverage is easy if you know what you’re doing. If you have car insurance now, you will most likely be able to lower your premiums substantially using these methods. Consumers only need to know the most efficient way to compare rates on the web.

What determines your Oldsmobile Cutlass insurance premium

An important part of buying insurance is that you know the rating factors that help determine insurance coverage rates. Understanding what impacts premium levels empowers consumers to make smart changes that will entitle you to big savings.

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

  • Men pay higher rates – The statistics show women tend to be less risk to insure than men. However, this does not mean men are WORSE drivers than women. They both tend to get into accidents in similar percentages, but the males have costlier accidents. They also get more serious tickets such as reckless driving. Youthful male drivers are the most expensive to insure and therefore have the most expensive insurance coverage rates.
  • Protect yourself with liability coverage – The liability section of your policy is the coverage that protects you if ever you are found liable for damages caused by your negligence. It will provide legal defense which can cost thousands of dollars. This coverage is very inexpensive compared to insuring for physical damage coverage, so do not cut corners here.
  • Never go without insurance – Having an insurance coverage lapse will be a quick way to bump up your insurance coverage costs. Not only will rates go up, failure to provide proof of insurance will get you a revoked license or a big fine.You may need to submit proof of financial responsibility or a SR-22 with your state motor vehicle department to get your license reinstated.
  • Your location is important – Living in small towns and rural areas can save you money when buying insurance coverage. Less people living in that area means reduced accidents as well as less vandalism and auto theft. Urban drivers tend to have traffic congestion and longer commutes to work. Longer commute distances translates into higher accident risk.
  • Too many insurance coverage claims drive up costs – Insurance companies provide better rates to drivers who are claim-free. If you are a frequent claim filer, you can definitely plan on either policy cancellation or increased premiums. Your insurance policy is designed for major claims that would cause financial hardship.
  • Do you know you’re credit rating? – A driver’s credit history is a large factor in calculating your insurance coverage rates. So if your credit score is not that good, you could save money insuring your 1999 Oldsmobile Cutlass by spending a little time repairing your credit. Consumers who have excellent credit tend to be less risk to insure than drivers with lower credit scores.
  • Occupation reflects on rates – Did you know your insurance coverage rates can be affected by your occupation? Careers like lawyers, business owners and stock brokers are shown to have the highest rates because of high stress and long work hours. On the other hand, professions such as actors, students and homemakers pay the least on Cutlass insurance.

Compare the Market for Insurance

All major insurance companies provide insurance quotes online. Getting quotes is quite easy as you just enter your coverage information into a form. Once entered, their rating system will order your credit score and driving record and returns pricing information based on many factors. Online quotes simplifies rate comparisons, but having to visit a lot of sites and type in the same information can get tiresome after awhile. But it’s absolutely necessary to have as many quotes as possible in order to find better prices.

A more efficient way to lower your rates uses one simple form to return rates from more than one company. The form is fast, requires less work, and makes online price comparison much more enjoyable. After sending the form, it is rated and you are able to buy any of the pricing results. If a lower price is quoted, you can simply submit the application and buy the policy. The whole process just takes a couple of minutes and you’ll know if lower rates are available.

If you want to find out how much you can save on insurance, click here to open in new window and submit your coverage information. To compare your current rates, we recommend that you enter the limits and deductibles exactly as they are listed on your policy. This ensures you will have a fair comparison based on identical coverages.

Save $463 a year. For real?

Consumers constantly see and hear ads for cheaper car insurance by companies like 21st Century, Allstate and State Farm. They all seem to make an identical promise that you’ll save big if you change to them.

But how can every company make almost identical claims?

Insurance companies have a preferred profile for the type of customer that is profitable for them. A good example of a profitable customer could possibly be between 30 and 50, is a homeowner, and has a high credit rating. A customer getting a price quote who fits that profile will get very good rates and as a result will probably save when they switch companies.

Potential insureds who don’t meet the “perfect” profile will be quoted a more expensive rate which leads to business not being written. Company advertisements say “people who switch” not “people who quote” save that much money. That’s why companies can truthfully state the savings. This emphasizes why it’s extremely important to quote coverage with many companies. It’s just too difficult to predict which insurance coverage company will fit your personal profile best.

Take discounts and save

Car insurance companies don’t necessarily list all their discounts in a way that’s easy to find, so we researched some of the best known and the harder-to-find ways to save on car insurance. If you aren’t receiving every discount you qualify for, you’re just leaving money on the table.

  • Good Student – This discount can be rewarded with saving of up to 25%. The good student discount can last well after school through age 25.
  • Low Mileage Discounts – Fewer annual miles on your Oldsmobile could qualify for a substantially lower rate.
  • College Student – Youth drivers who attend school more than 100 miles from home and do not have access to a covered vehicle can receive lower rates.
  • No Charge for an Accident – Certain companies will forgive one accident without raising rates as long as you don’t have any claims prior to the accident.
  • New Car Discount – Putting insurance coverage on a new car can save up to 30% compared to insuring an older model.
  • Anti-lock Brakes – Anti-lock brake equipped vehicles can reduce accidents and will save you 10% or more.
  • Federal Government Employee – Employees or retirees of the government can earn a discount up to 10% on Cutlass insurance with a few car insurance companies.
  • Drive Safe and Save – Safe drivers can pay as much as 50% less on Cutlass insurance than drivers with accident claims.
  • Paperless Signup – Certain companies may give you up to $50 for buying your policy digitally online.

It’s important to understand that some credits don’t apply to the overall cost of the policy. Most only cut the cost of specific coverages such as liability, collision or medical payments. So even though they make it sound like you would end up receiving a 100% discount, companies don’t profit that way.

Car insurance companies that possibly offer these discounts are:

Before buying, ask all companies you are considering what discounts are available to you. All car insurance discounts might not apply in your state.

Which policy gives me the best coverage?

When choosing the best car insurance coverage for your vehicles, there really is no single plan that fits everyone. Every insured’s situation is different and your policy should reflect that. These are some specific questions might help in determining if your insurance needs might need an agent’s assistance.

  • Is my teenager covered with friends in the car?
  • Do I need PIP coverage since I have good health insurance?
  • Am I covered when driving in Canada or Mexico?
  • Do I need replacement cost coverage?
  • Should I rate my 1999 Oldsmobile Cutlass as pleasure use or commute?
  • What is no-fault insurance?
  • What if I owe more than I can insure my car for?
  • Does coverage extend to my business vehicle?

If you don’t know the answers to these questions then you might want to talk to a licensed agent. If you don’t have a local agent, simply complete this short form or you can also visit this page to select a carrier It only takes a few minutes and may give you better protection.

Auto insurance coverages

Learning about specific coverages of a car insurance policy helps when choosing the right coverages and the correct deductibles and limits. Car insurance terms can be confusing and nobody wants to actually read their policy. These are the usual coverages available from car insurance companies.

Liability coverage

Liability insurance will cover damage or injury you incur to other people or property. It protects you from legal claims by others, and does not provide coverage for damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You commonly see limits of 100/300/100 which means a $100,000 limit per person for injuries, a total of $300,000 of bodily injury coverage per accident, and property damage coverage for $100,000.

Liability coverage protects against claims like repair bills for other people’s vehicles, attorney fees and structural damage. The amount of liability coverage you purchase is a decision to put some thought into, but consider buying higher limits if possible.

Coverage for uninsured or underinsured drivers

Your UM/UIM coverage provides protection when the “other guys” are uninsured or don’t have enough coverage. This coverage pays for injuries to you and your family and damage to your Oldsmobile Cutlass.

Since many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Collision protection

This coverage pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage protects against things like driving through your garage door, backing into a parked car, crashing into a ditch and scraping a guard rail. Collision is rather expensive coverage, so consider removing coverage from vehicles that are older. Drivers also have the option to bump up the deductible to save money on collision insurance.

Comprehensive car insurance

Comprehensive insurance pays to fix your vehicle from damage OTHER than collision with another vehicle or object. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims like damage from getting keyed, hail damage, fire damage, a tree branch falling on your vehicle and damage from a tornado or hurricane. The most you can receive from a comprehensive claim is the actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Coverage for medical expenses

Coverage for medical payments and/or PIP pay for bills such as doctor visits, X-ray expenses and nursing services. They can be used to fill the gap from your health insurance policy or if you do not have health coverage. It covers not only the driver but also the vehicle occupants in addition to getting struck while a pedestrian. Personal Injury Protection is only offered in select states and may carry a deductible

A penny earned…

Throughout this article, we presented a lot of information how to lower your 1999 Oldsmobile Cutlass insurance rates. It’s most important to understand that the more companies you get rates for, the higher your chance of finding lower rates. Consumers may even find the lowest premiums are with a company that doesn’t do a lot of advertising. Some small companies may have significantly lower rates on certain market segments as compared to the big name companies such as State Farm or Progressive.

As you restructure your insurance plan, you should never reduce needed coverages to save money. There are many occasions where consumers will sacrifice liability limits or collision coverage only to regret that their decision to reduce coverage ended up costing them more. The ultimate goal is to buy a smart amount of coverage for the lowest price while not skimping on critical coverages.

Low-cost insurance is attainable from both online companies and also from your neighborhood agents, and you should be comparing both so you have a total pricing picture. Some companies may not provide the ability to get a quote online and these small insurance companies work with independent agents.

More detailed insurance information is available at these sites: