How Much Does 1991 Oldsmobile Cutlass Supreme Insurance Cost?

Searching for better car insurance rates? Consumers have options when looking for low-cost Oldsmobile Cutlass Supreme insurance. They can either spend hours struggling with agents to compare prices or leverage the internet to find the lowest rates. There is a right way and a wrong way to buy car insurance so you’re going to learn the best way to get price quotes for your Oldsmobile and get the lowest price.

It is always a good idea to do rate comparisons before your next renewal because prices are variable and change quite frequently. Just because you had the best rates for Cutlass Supreme coverage on your last policy other companies may now be cheaper. You’ll find quite a bit of inaccurate information about car insurance out there, but we’re going to give you some excellent ideas to lower your car insurance rates.

Ways to get car insurance price quotes

Cutting your car insurance rates can be surprisingly simple. All that’s required is to spend a few minutes on the computer getting comparison quotes to discover which company has the cheapest auto insurance quotes. This can be accomplished using a couple different methods.

  1. The simplest way consumers can analyze rates is to use a rate comparison form like this one (opens in new window). This form eliminates the need for separate quote forms for every prospective company. Filling out one form will return quotes from multiple companies. It’s the fastest way to compare.
  2. A more difficult way to find more affordable insurance is going to the website for each individual company and fill out a new quote form. For examples sake, we’ll assume you are doing a rate comparison from Farmers, Geico and Liberty Mutual. In order to compare rates, you need to go to every website and enter your policy data, which can take a lot of time.

    For a list of companies in your area, click here.

You can choose any of those ways to find more affodable coverage, but try to use apples-to-apples coverages and limits with each company. If you enter differing limits then you won’t be able to make a fair comparison for your Oldsmobile Cutlass Supreme.

Find hidden discounts on insurance

Some companies do not advertise every disount available very clearly, so here is a list both the well known in addition to some of the lesser obvious credits available to bring down your rates.

  • Senior Discount – If you qualify as a senior citizen, you may be able to get reduced rates for Cutlass Supreme coverage.
  • Multi-policy Discount – When you combine your homeowners and auto insurance and place coverage with the same company you will save up to 20% and get you the cheapest auto insurance.
  • New Car Discount – Buying a new car model can cost up to 25% less since new vehicles are generally safer.
  • ABS Brakes – Cars with anti-lock braking systems prevent accidents and will save you 10% or more.
  • Own a Home – Being a homeowner can help you save on insurance due to the fact that maintaining a home requires a higher level of personal finance.
  • No Accidents – Drivers who stay claim-free pay much less in comparison with drivers who are more careless.

A little note about advertised discounts, some of the credits will not apply to all coverage premiums. Most cut the cost of specific coverages such as comprehensive or collision. So even though they make it sound like adding up those discounts means a free policy, you’re out of luck. Any qualifying discounts will cut your premiums.

A few popular companies and some of the discounts include:

  • State Farm policyholders can earn discounts including passive restraint, student away at school, good student, defensive driving training, and multiple autos.
  • Progressive may include discounts for multi-vehicle, multi-policy, homeowner, good student, and online quote discount.
  • Progressive discounts include online quote discount, online signing, good student, multi-vehicle, multi-policy, continuous coverage, and homeowner.
  • MetLife offers discounts for claim-free, good driver, accident-free, good student, and defensive driver.
  • Farm Bureau offers premium reductions for multi-policy, renewal discount, 55 and retired, youthful driver, and safe driver.
  • Geico includes discounts for good student, driver training, anti-lock brakes, federal employee, and air bags.
  • SAFECO has discounts for teen safe driver, safe driver, drive less, multi-car, and homeowner.

Before buying, ask each insurance company how you can save money. Some of the earlier mentioned discounts may not be offered in every state.

Tailor your insurance coverage to you

When buying proper insurance coverage, there isn’t really a cookie cutter policy. Every situation is different.

For instance, these questions can help discover if you would benefit from an agent’s advice.

  • Can my teen driver be rated on a liability-only vehicle?
  • Do I need rental car coverage?
  • Can I pay claims out-of-pocket if I buy high deductibles?
  • How high should my medical payments coverage be?
  • Who is covered when they drive my 1991 Oldsmobile Cutlass Supreme?
  • When do I need to add a new car to my policy?
  • Does my personal policy cover me when driving out-of-state?
  • When should I buy a commercial auto policy?
  • Do I have coverage if my license is suspended?

If you don’t know the answers to these questions but you know they apply to you, you might consider talking to an agent. If you don’t have a local agent, fill out this quick form. It is quick, free and may give you better protection.

Specific coverage details

Understanding the coverages of auto insurance aids in choosing the right coverages and the correct deductibles and limits. The coverage terms in a policy can be ambiguous and coverage can change by endorsement.

Uninsured and underinsured coverage

Uninsured or Underinsured Motorist coverage provides protection from other motorists when they do not carry enough liability coverage. This coverage pays for hospital bills for your injuries and also any damage incurred to your 1991 Oldsmobile Cutlass Supreme.

Because many people carry very low liability coverage limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Coverage for medical payments

Med pay and PIP coverage kick in for immediate expenses for things like nursing services, X-ray expenses and prosthetic devices. They can be used in conjunction with a health insurance plan or if there is no health insurance coverage. They cover all vehicle occupants and will also cover if you are hit as a while walking down the street. Personal injury protection coverage is only offered in select states and gives slightly broader coverage than med pay

Auto collision coverage

This pays for damage to your Cutlass Supreme from colliding with another vehicle or an object, but not an animal. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims like crashing into a building, crashing into a ditch and rolling your car. Collision is rather expensive coverage, so consider removing coverage from lower value vehicles. Drivers also have the option to raise the deductible in order to get cheaper collision rates.

Comprehensive coverages

Comprehensive insurance will pay to fix damage from a wide range of events other than collision. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims like falling objects, a broken windshield, theft and damage from a tornado or hurricane. The maximum payout a auto insurance company will pay at claim time is the actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Liability insurance

Liability insurance protects you from damages or injuries you inflict on people or other property by causing an accident. This coverage protects you from legal claims by others. It does not cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You might see limits of 100/300/100 which stand for a limit of $100,000 per injured person, a limit of $300,000 in injury protection per accident, and $100,000 of coverage for damaged propery.

Liability can pay for claims such as pain and suffering, legal defense fees, medical services, emergency aid and loss of income. How much liability coverage do you need? That is your choice, but it’s cheap coverage so purchase as high a limit as you can afford.

Have money to burn

More affordable insurance is attainable online in addition to many insurance agents, so you should compare both to have the best rate selection. A few companies do not offer the ability to get a quote online and usually these regional insurance providers provide coverage only through local independent agencies.

People leave their current company for any number of reasons including not issuing a premium refund, policy cancellation, poor customer service and even high prices. It doesn’t matter why you want to switch finding a new insurance company is pretty simple and you could end up saving a buck or two.

We just covered a lot of ways to compare 1991 Oldsmobile Cutlass Supreme insurance premium rates online. The key concept to understand is the more quotes you get, the better chance you’ll have of finding the cheapest auto insurance. You may even discover the most savings is with a lesser-known regional company.

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