1996 Oldsmobile Cutlass Supreme Car Insurance Cost – 5 Discounts for Best Prices

Shoppers have lots of choices when shopping for low-cost Oldsmobile Cutlass Supreme insurance. You can either waste hours contacting agents trying to get quotes or save time using the internet to compare rates. There is a better way to shop for insurance and we’ll show you the quickest way to quote coverages on a Oldsmobile and locate the cheapest rates from local insurance agents and online providers.

How to buy car insurance online

There are a variety of methods to shop for car insurance, but there is one way that is less labor-intensive and much quicker. You can spend your afternoon talking to local insurance agents in your area, or you could save time and use online quotes to get rates in a matter of minutes.

All the larger companies belong to a marketplace where insurance shoppers only type in their quote data once, and each company returns a rated price. This saves time by eliminating form submissions for every car insurance company.

To enter your information into the quoting system, click here to start a free quote.

The one disadvantage to pricing coverage this way is buyers cannot specifically choose which companies you want pricing from. If you wish to select specific insurance companies to compare rates, we have a listing of the cheapest car insurance companies in your area. Click to view list.

However you get your quotes, ensure you are comparing the same coverages on every quote. If you enter unequal deductibles or liability limits you can’t possibly determine which rate is truly the best.

Cheaper insurance quotes with discounts

Insurance is not cheap nor is it fun to buy but you can get discounts that you may not even be aware of. Certain reductions will be credited at the time of quoting, but some must be asked about before you get the savings.

  • Driving Data Discount – Drivers that enable companies to track driving manner through the use of a telematics system like Drivewise from Allstate or In-Drive from State Farm may get a rate reduction if they show good driving skills.
  • Passive Restraint Discount – Factory air bags or automatic seat belts could see savings as much as 30%.
  • Anti-lock Brake Discount – Cars with anti-lock braking systems can reduce accidents and earn discounts up to 10%.
  • Claim Free – Drivers with accident-free driving histories can earn big discounts compared to insureds who have frequent claims or accidents.
  • Driver’s Education for Students – Cut your cost by having your teen driver sucessfully take a drivers education course if it’s offered in school.

We need to note that some credits don’t apply to the entire policy premium. Some only reduce individual premiums such as liability, collision or medical payments. Just because it seems like you could get a free insurance policy, insurance companies wouldn’t stay in business.

Insurance companies who might offer some of the above discounts include:

When getting free car insurance quotes, it’s a good idea to each company which discounts can lower your rates. Some of the earlier mentioned discounts may not apply in your area.

Tailor your insurance coverage to you

When choosing the best insurance coverage for your personal vehicles, there really is no cookie cutter policy. Everyone’s situation is a little different.

For example, these questions can help discover if your situation may require specific advice.

  • Am I covered when driving a rental car?
  • Is my 1996 Oldsmobile Cutlass Supreme covered for smoke damage?
  • What is the difference between comprehensive and collision coverage?
  • What is medical payments coverage?
  • What is the ISO rating for a 1996 Oldsmobile Cutlass Supreme?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • When should I buy a commercial auto policy?
  • Do I have coverage if my license is suspended?
  • Am I covered if I drive in a foreign country?
  • Do I need replacement cost coverage on my 1996 Oldsmobile Cutlass Supreme?

If you’re not sure about those questions then you might want to talk to an insurance agent. If you don’t have a local agent, complete this form. It only takes a few minutes and can help protect your family.

Learn about car insurance coverages for a 1996 Oldsmobile Cutlass Supreme

Learning about specific coverages of your policy aids in choosing the best coverages and proper limits and deductibles. The terms used in a policy can be difficult to understand and reading a policy is terribly boring.

Liability – Liability insurance will cover damages or injuries you inflict on a person or their property by causing an accident. This insurance protects YOU from legal claims by others. It does not cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You commonly see liability limits of 50/100/50 which means $50,000 in coverage for each person’s injuries, a limit of $100,000 in injury protection per accident, and $50,000 of coverage for damaged propery.

Liability coverage protects against claims like repair bills for other people’s vehicles, medical expenses, emergency aid, structural damage and legal defense fees. How much coverage you buy is your choice, but you should buy as large an amount as possible.

Comprehensive insurance – Comprehensive insurance coverage pays to fix your vehicle from damage from a wide range of events other than collision. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive insurance covers claims such as damage from getting keyed, a broken windshield, fire damage, hitting a deer and hail damage. The maximum amount your car insurance company will pay is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Med pay and Personal Injury Protection (PIP) – Med pay and PIP coverage pay for bills like ambulance fees, X-ray expenses, doctor visits and rehabilitation expenses. They are utilized in addition to your health insurance program or if you lack health insurance entirely. Medical payments and PIP cover all vehicle occupants as well as if you are hit as a while walking down the street. PIP is not available in all states but can be used in place of medical payments coverage

Uninsured/Underinsured Motorist (UM/UIM) – This provides protection from other drivers when they either have no liability insurance or not enough. Covered losses include medical payments for you and your occupants and damage to your Oldsmobile Cutlass Supreme.

Since a lot of drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. So UM/UIM coverage is important protection for you and your family.

Collision coverages – Collision insurance will pay to fix damage to your Cutlass Supreme resulting from colliding with a stationary object or other vehicle. You have to pay a deductible then your collision coverage will kick in.

Collision can pay for things like damaging your car on a curb, backing into a parked car, sustaining damage from a pot hole, hitting a mailbox and crashing into a ditch. Collision is rather expensive coverage, so consider removing coverage from vehicles that are 8 years or older. It’s also possible to bump up the deductible to get cheaper collision coverage.

Get your money’s worth

When searching for inexpensive car insurance quotes, never buy less coverage just to save a little money. In many instances, someone dropped liability limits or collision coverage and discovered at claim time that saving that couple of dollars actually costed them tens of thousands. Your strategy should be to buy a smart amount of coverage at an affordable rate, but do not sacrifice coverage to save money.

Consumers change insurance companies for many reasons like high prices, lack of trust in their agent, poor customer service or even policy non-renewal. Whatever your reason, choosing a new company is pretty easy and you might even save some money in the process.

Some insurance companies do not provide online price quotes small insurance companies work with independent agents. Lower-priced insurance is definitely available from both online companies and from local agencies, so you need to compare both in order to have the best chance of saving money.

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