1997 Oldsmobile Cutlass Supreme Car Insurance Rates

Saving money on insurance coverage could be frustrating for drivers who have little experience comparison shopping online. With literally dozens of companies, it can quickly become a difficult situation to find the best price.

Save money by earning discounts

Not many people think insurance is cheap, but you may find discounts that could drop your premiums quite a bit. Larger premium reductions will be automatically applied at the time you complete a quote, but some must be asked about prior to getting the savings. If you are not receiving all the discounts you qualify for, you could be getting lower rates.

  • Early Renewal Discounts – A few companies offer discounts for switching companies before your current policy expires. You may see this discount when you get insurance quotes online.
  • Seat Belts Save – Requiring all passengers to wear their seat belts can save up to 15% on the premium charged for medical payments and/or PIP.
  • Military Deployment Discount – Having a deployed family member could qualify you for better premium rates.
  • Good Student Discount – Excelling in school can earn a discount of 20% or more. Earning this discount can benefit you well after school through age 25.
  • Multi-Vehicle Discounts – Purchasing coverage when you have more than one vehicle with the same company can reduce the rates for all insured vehicles.
  • Anti-lock Brake System – Cars with ABS braking systems or traction control can avoid accidents so you can save 10 percent or more.
  • Senior Citizen Discount – Mature drivers may receive a small decrease in premiums on Cutlass Supreme insurance.
  • Telematics Devices – Drivers who elect to allow their company to monitor vehicle usage remotely such as Progressive’s Snapshot and State Farm’s In-Drive could save a few bucks if they exhibit good driving behavior.

Discounts save money, but please remember that most discounts do not apply to the entire policy premium. Most only cut the cost of specific coverages such as medical payments or collision. Despite the fact that it seems like it’s possible to get free car insurance, you’re out of luck.

Companies that may have some of the above discounts are:

Double check with each company which discounts you qualify for. Some discounts listed above may not be available in your area. To locate insurance companies with discount auto insurance rates, click here to view.

How to get free insurance coverage quotes online

The majority of larger companies provide price estimates online. Getting quotes is quite simple as you simply type in your coverage information as detailed in the form. When complete, their rating system gets your driving record and credit report and returns a price quote based on the information you submitted.

This helps simplify price comparisons, but the work required to visit several different sites and type in the same information can be a bit tiresome and repetitive. But it is imperative to perform this step if you are searching for better insurance coverage pricing.

There is a better way to compare rates

A less time-consuming method to locate the lowest prices uses one form that analyzes rates from a lot of companies. It saves time, eliminates repetitive work, and makes quoting online much easier. Immediately after submitting the form, your coverage is rated and you can select your choice of the quotes that you receive. If the quotes result in lower rates, you can click and sign and buy the policy. This process takes 15 minutes at the most and may save quite a bit of money.

To compare pricing, click here and begin entering your coverage information. If you have coverage now, it’s recommended you replicate your coverages identical to your current policy. Using the same limits helps guarantee you will get comparison quotes using the exact same coverages.

Your auto insurance coverage should be tailored to you

When buying proper insurance coverage for your personal vehicles, there is no cookie cutter policy. Every situation is different.

For example, these questions might point out whether or not you would benefit from an agent’s advice.

  • What are the financial responsibility laws in my state?
  • Can I afford to pay high deductible claims out of pocket?
  • When would I need rental car insurance?
  • How high should my medical payments coverage be?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • Am I covered if I crash into my own garage door?

If you can’t answer these questions, you might consider talking to a licensed insurance agent. If you don’t have a local agent, complete this form.

Auto insurance coverages 101

Learning about specific coverages of your policy helps when choosing which coverages you need and the correct deductibles and limits. Policy terminology can be impossible to understand and even agents have difficulty translating policy wording.

Liability

Liability insurance can cover damages or injuries you inflict on other people or property in an accident. It protects YOU from claims by other people, and does not provide coverage for your own vehicle damage or injuries.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see policy limits of 50/100/50 that translate to $50,000 bodily injury coverage, $100,000 for the entire accident, and property damage coverage for $50,000.

Liability coverage protects against claims like court costs, structural damage, repair bills for other people’s vehicles and medical expenses. How much coverage you buy is a decision to put some thought into, but buy higher limits if possible.

Uninsured/Underinsured Motorist coverage

This provides protection from other motorists when they are uninsured or don’t have enough coverage. This coverage pays for injuries to you and your family as well as damage to your Oldsmobile Cutlass Supreme.

Because many people only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages should not be overlooked.

Comprehensive coverage

Comprehensive insurance coverage covers damage from a wide range of events other than collision. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things such as vandalism, fire damage, damage from getting keyed and rock chips in glass. The maximum payout your auto insurance company will pay is the cash value of the vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Collision coverage

This pays to fix your vehicle from damage caused by collision with an object or car. A deductible applies then your collision coverage will kick in.

Collision coverage protects against things such as crashing into a building, crashing into a ditch and sustaining damage from a pot hole. Collision is rather expensive coverage, so you might think about dropping it from lower value vehicles. Drivers also have the option to increase the deductible to bring the cost down.

Medical payments coverage and PIP

Coverage for medical payments and/or PIP pay for immediate expenses such as EMT expenses, prosthetic devices and surgery. They are utilized in addition to your health insurance policy or if you do not have health coverage. They cover all vehicle occupants in addition to being hit by a car walking across the street. PIP is not universally available and gives slightly broader coverage than med pay

Feed the piggy bank

More affordable car insurance is possible on the web in addition to local insurance agencies, so you need to quote insurance with both to have the best rate selection. There are still a few companies who may not have internet price quotes and many times these small, regional companies work with independent agents.

When buying insurance coverage, do not buy poor coverage just to save money. There have been many cases where someone dropped comprehensive coverage or liability limits to discover at claim time that the savings was not a smart move. Your objective should be to find the BEST coverage for the lowest price, but don’t skip important coverages to save money.

Drivers change insurance companies for any number of reasons including delays in paying claims, unfair underwriting practices, lack of trust in their agent or high rates after DUI convictions. Regardless of your reason, finding a new company can be less work than you think.

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