Oldsmobile Cutlass Insurance for Tightwads
If we enjoyed shopping for car insurance, we'd do it more often. But the premiums we pay always seem to be too high and most of use would rather get a tooth pulled. You probably feel the same way when trying to find cheaper coverage for your Oldsmobile Cutlass.
Step One: Get Insurance Quotes
In years past, the only way to purchase car insurance was to visit the office of a local agent. But now you can eliminate that hassle and buy online!
Comparing insurance rates for a Oldsmobile Cutlass only require you to enter your information once. You'll receive multiple quotes and can easily compare rates.
Take the first step by clicking the link below. By answering a few questions you'll be able to compare rates quickly and easily.
Quoting Tip! The only way to compare rates from multiple companies is to use identical coverage amounts and deductibles on each quote. If you use different limits on quotes, you cannot accurately determine which company has the best rates for your Cutlass.
Step Two: Tried and True Ways to Save on Cutlass Insurance
After completing step one and having some rates to compare, you can now focus on policy and lifestyle modifications that will lower your Cutlass insurance rates.
- One of the best ways to lower your insurance rates is to raise your credit score. Check your rating once a year and make sure to address any problem areas immediately.
- If you think the only financial impact of a speeding ticket is a fine and court costs, think again. Insurance companies will raise your rates for up to three years for a single ticket.
- If you own a home, you may get a break on your car insurance. Home ownership demonstrates financial responsibility.
- Teen drivers are expensive to insure and the only way to lower your rates is to rate them on an older vehicle with basic liability coverage.
- Gaps in insurance coverage will cause problems for your insurance rates. Don't let your policy expire without having new coverage in place.
- If you can afford to pay for small claims like a broken windshield out of pocket, it will keep small claims off your record and give you a claim-free discount.
- Successfully completing a driver's training class can help lower your rates if your insurance company offers that discount.
- Safety features such as passive restraints and air bag systems help reduce injuries in and accident, and car insurance companies will charge lower rates if these features are present.
- If you belong to a professional organization for your employment, you may qualify for a discount rate. And if you're a senior citizen, you may get a discount for your age as well.
- Auto theft is a big problem that costs us all money, but if your car is on the list of the most frequently stolen autos, you might be paying a little extra because of the temptation to thieves.
- One of the easiest ways to cut your rates is to increase your comprehensive and collision deductibles. By having a higher deductible like $500 or even $1,000, you can save 30% or more on physical damage coverage.
Step Three: Purchase a New Policy
Knowing which company to insure your Cutlass with is more than just choosing the lowest rate. You also need to be ready to put a down payment on your policy and make sure you have all the proper coverages in place.
You can cancel a policy at any time, but just remember to make the effective date of the replacement policy the exact same as the date you cancel your old policy. You do not want any gaps in coverage between policies.
Any time you buy a new vehicle, make sure you have car insurance in place, either from an existing policy or a new policy that you purchase from the dealership floor. If you have a current policy and you only carry liability coverage, then that's the only coverage that will automatically extend to your Cutlass. But if you currently carry full coverage, comprehensive and collision coverage will extend to your new vehicle.
All states require you to keep the proof-of-insurance or financial responsibility card in your vehicle at all times. Failure to produce this document can result in a citation. If your state requires you to file an SR-22 for being a high-risk driver, make sure your new company is aware of this requirement. Failure to comply can result in loss of your driver's license.
More Insurance Buying Tips
To read more about topics such as how to file a claim, replacement auto parts and mistakes to avoid, visit the Insurance Information Institute website.
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