1994 Oldsmobile Cutlass Supreme Insurance Cost – 5 Policy Discounts

Want better car insurance rates for your Oldsmobile Cutlass Supreme? Trying to find better insurance prices for a new or used Oldsmobile Cutlass Supreme can turn out to be difficult, but you can follow the following methods to find lower rates.

There is a right way and a wrong way to compare car insurance rates and you need to know the proper way to get price quotes on a Oldsmobile and locate the lowest possible price.

Shopping for the cheapest coverage can be fairly easy. If you have a policy now or are looking for a new policy, you can use these techniques to get lower rates while maximizing coverage. Drivers just need to understand the proper methods to compare rates online.

How much is insurance?

Shopping for lower insurance rates can be challenging if you don’t know the best way to get rate quotes. You could spend your day driving to agents in your area, or you could use the internet to accomplish the same thing much quicker.

Most of the best insurance companies belong to an insurance system where prospective buyers submit one quote, and each participating company returns a competitive quote. This eliminates the need for quotation requests for every insurance company.

To fill out one form to compare multiple rates now click here (opens in new window).

The one disadvantage to comparing rates this way is you are unable to specify the insurers you want to price. If you wish to select individual companies to compare prices, we have assembled a list of insurance companies in your area. View list of insurance companies.

You can choose any of those ways to find more affodable coverage, but do your best to use exactly the same quote data for every quote you compare. If you use different deductibles it will be very difficult to make a fair rate comparison.

How to know if you need help

When it comes to choosing the best insurance coverage coverage, there really is not a “best” method to buy coverage. Each situation is unique.

Here are some questions about coverages that can help discover if you would benefit from an agent’s advice.

  • What can I do if my company denied a claim?
  • Does my car insurance cover rental cars?
  • Should I buy additional glass protection?
  • Am I covered by my spouse’s policy after a separation?
  • Am I better off with higher deductibles on my 1994 Oldsmobile Cutlass Supreme?
  • What is the difference between comprehensive and collision coverage?
  • What happens if I owe more than my 1994 Oldsmobile Cutlass Supreme is worth?
  • Is there coverage for injuries to my pets?

If you’re not sure about those questions, then you may want to think about talking to an agent. If you don’t have a local agent, take a second and complete this form. It’s fast, doesn’t cost anything and may give you better protection.

Auto insurance 101

Learning about specific coverages of your auto insurance policy can be of help when determining which coverages you need and the correct deductibles and limits. Auto insurance terms can be impossible to understand and reading a policy is terribly boring.

Collision – This covers damage to your Cutlass Supreme from colliding with an object or car. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims like colliding with a tree, driving through your garage door and crashing into a building. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are older. Drivers also have the option to choose a higher deductible to get cheaper collision coverage.

Med pay and Personal Injury Protection (PIP) – Personal Injury Protection (PIP) and medical payments coverage reimburse you for immediate expenses such as doctor visits, nursing services and rehabilitation expenses. They can be used to cover expenses not covered by your health insurance plan or if you are not covered by health insurance. Medical payments and PIP cover both the driver and occupants and will also cover being hit by a car walking across the street. Personal Injury Protection is not available in all states but it provides additional coverages not offered by medical payments coverage

Comprehensive insurance – Comprehensive insurance covers damage that is not covered by collision coverage. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against things like damage from a tornado or hurricane, damage from flooding and damage from getting keyed. The most your auto insurance company will pay is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Auto liability – Liability insurance can cover damages or injuries you inflict on people or other property in an accident. Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You commonly see values of 25/50/25 which stand for $25,000 bodily injury coverage, a total of $50,000 of bodily injury coverage per accident, and a total limit of $25,000 for damage to vehicles and property. Some companies may use one number which is a combined single limit which provides one coverage limit rather than limiting it on a per person basis.

Liability coverage protects against claims such as structural damage, bail bonds, medical services and repair costs for stationary objects. How much liability coverage do you need? That is your choice, but it’s cheap coverage so purchase as much as you can afford.

Uninsured/Underinsured Motorist (UM/UIM) – Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when other motorists are uninsured or don’t have enough coverage. Covered losses include medical payments for you and your occupants as well as your vehicle’s damage.

Due to the fact that many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is very important. Normally these limits are set the same as your liablity limits.