How Much Does 1991 Oldsmobile Cutlass Supreme Car Insurance Cost?

Consumers have a choice when looking for the best price on Oldsmobile Cutlass Supreme insurance. You can either waste hours driving around getting price quotes or use the internet to get rate quotes. There are more efficient ways to buy auto insurance so you’re going to learn the absolute fastest way to price shop coverage for a Oldsmobile and find the cheapest rates from both online companies and local agents.

Finding the best rates is not that difficult. If you are paying for car insurance now, you should be able to cut costs considerably using this information. Vehicle owners only need an understanding of how to shop over the internet.

The cheapest insurance coverage

There are a lot of ways to compare insurance coverage quotes, and some are less time-consuming than others. You can spend countless hours talking to insurance companies in your area, or you could use the web to accomplish the same thing much quicker.

Many insurance companies participate in an industry program where insurance shoppers send in one quote, and each participating company can give them a price determined by their information. This system prevents you from having to do quotation requests to every company. To enter your information into the quoting system, click here to start a free quote.

The one disadvantage to using this type of system is that you can’t choose which insurance companies to get pricing from. If you prefer to choose specific providers for rate comparison, we have assembled a list of low cost insurance coverage companies in your area. Click here to view list.

Which method you use is up to you, but double check that you are using exactly the same quote data on every quote. If you compare differing limits it will be nearly impossible to find the best deal for your Oldsmobile Cutlass Supreme.

Does insurance coverage advertising bend the truth?

Consumers can’t get away from all the ads for cheaper insurance coverage from the likes of State Farm and Allstate. They all seem to advertise the message of big savings if you just switch your coverage.

Is it even possible that every company can charge you a lower premium? It’s all in how they say it.

Many companies quote their best rates for the type of driver that is profitable for them. A good example of this type of driver might be described as between the ages of 30 and 50, has never had a claim, and drives less than 5,000 miles a year. Anyone that matches those criteria will get low car insurance rates as well as cut their rates if they switch.

Consumers who fall outside the requirements will probably have to pay higher prices and this can result in the customer buying from someone else. The ads state “people that switch” not “everyone who quotes” save that much money. That is how companies can make it sound like they have such great rates. Because each company has a different risk profile, you really should get price quotes at each policy renewal. Because you never know which insurance coverage company will have the lowest rates.

Smart consumers can cut their insurance rates

Multiple criteria are used in the calculation when you quote your car insurance policy. Some factors are common sense like a motor vehicle report, although others are not as apparent like your continuous coverage or how safe your car is.The best way to find cheaper insurance coverage is to take a look at a few of the rating criteria that help calculate the price you pay for insurance coverage. When you know what positively or negatively positively or negatively impacts your premiums, this allows you to make good choices that can earn you lower rates.

  • Low mileage costs less – The more miles you rack up on your Oldsmobile each year the more you’ll pay to insure it. Almost all companies calculate rates partially by how you use the vehicle. Vehicles that have low annual miles can be on a lower rate level than vehicles that have high annual mileage. Ask your agent if your insurance coverage declarations sheet is rated on how each vehicle is driven. An incorrectly rated Cutlass Supreme is throwing money out the window.
  • Being married can lower rates – Getting married may cut your premiums compared to being single. Having a significant other usually means you are more mature than a single person and insurance companies like that married drivers get in fewer accidents.
  • Vocation can influence rates – Occupations such as doctors, social workers and accountants tend to pay higher rates than the rest of us attributed to intense work situations and lots of time spent at work. On the other hand, careers like professors, students and performers receive lower rates for Cutlass Supreme insurance.
  • Lower coverage deductibles cost more – Comp and collision deductibles define how much you are required to spend out-of-pocket before your insurance coverage pays a claim. Protection for physical damage, termed comprehensive and collision coverage on your policy, covers damage that occurs to your car. Examples of some claims that would be covered could be colliding with a stationary object, animal collisions, and damage from wind. The more of the claim you have to pay, the less your company will charge you for insurance for Cutlass Supreme insurance.

Lower rates by qualifying for discounts

Companies don’t always publicize the complete list of policy discounts very well, so the list below gives a summary of a few of the more well known and the more hidden credits available to you.

  • Own a Home – Simply owning a home can save you money because it requires personal responsibility.
  • Bundle and Save – When you have multiple policies with the same company you could get a discount of approximately 10% to 15%.
  • Theft Prevention Discount – Cars with anti-theft systems are stolen with less frequency and therefore earn up to a 10% discount.
  • Passive Restraints – Vehicles with factory air bags can receive discounts as much as 30%.
  • Clubs and Organizations – Affiliation with qualifying clubs or civic groups is a simple method to lower premiums on your policy.
  • E-sign – Some auto insurance companies provide a small discount for buying your policy over the internet.

Discounts reduce rates, but you should keep in mind that some of the credits will not apply to all coverage premiums. Some only reduce individual premiums such as physical damage coverage or medical payments. Even though the math looks like you can get free auto insurance, companies don’t profit that way.

The best auto insurance companies and some of their more popular discounts are outlined below.

  • GEICO offers discounts including air bags, military active duty, five-year accident-free, seat belt use, multi-vehicle, and defensive driver.
  • USAA may offer discounts for loyalty savings, safe driver, multi-policy, military installation, and new vehicle.
  • Progressive includes discounts for multi-policy, online quote discount, continuous coverage, good student, online signing, homeowner, and multi-vehicle.
  • American Family has discounts for TimeAway discount, Steer into Savings, bundled insurance, good student, good driver, and early bird.
  • Esurance policyholders can earn discounts including homeowner, Switch & Save, renters, multi-policy, anti-lock brakes, defensive driver, and online quote.
  • Farmers Insurance may have discounts that include youthful driver, teen driver, switch companies, bundle discounts, and early shopping.
  • State Farm offers discounts for Steer Clear safe driver discount, anti-theft, safe vehicle, multiple autos, student away at school, defensive driving training, and good driver.

Check with every prospective company which discounts they offer. Some credits may not apply to policyholders in your area. If you would like to view auto insurance companies who offer free auto insurance quotes, click here to view.

Insurance coverage is unique, just like you

When it comes to buying the right insurance coverage, there is no single plan that fits everyone. Coverage needs to be tailored to your specific needs.

For instance, these questions could help you determine if your insurance needs might need professional guidance.

  • When should my teen driver be added to my policy?
  • Do I have newly-aquired coverage?
  • Do I need to file an SR-22 for a DUI in my state?
  • Do I have coverage if my license is suspended?
  • Is a fancy paint job covered?
  • Why am I required to buy liability insurance?
  • Am I covered when delivering products for my home-based business?

If you don’t know the answers to these questions but you know they apply to you, then you may want to think about talking to an insurance agent. To find lower rates from a local agent, fill out this quick form. It is quick, free and you can get the answers you need.

Car insurance coverage basics

Knowing the specifics of a car insurance policy can be of help when determining appropriate coverage and proper limits and deductibles. Car insurance terms can be difficult to understand and coverage can change by endorsement.

Coverage for medical expenses – Coverage for medical payments and/or PIP kick in for bills for pain medications, ambulance fees, hospital visits and rehabilitation expenses. They are used in conjunction with a health insurance policy or if you lack health insurance entirely. They cover all vehicle occupants and also covers any family member struck as a pedestrian. PIP is not universally available but can be used in place of medical payments coverage

Collision – Collision coverage pays for damage to your Cutlass Supreme from colliding with a stationary object or other vehicle. You first must pay a deductible and then insurance will cover the remainder.

Collision can pay for claims such as crashing into a ditch, damaging your car on a curb, crashing into a building, hitting a parking meter and colliding with a tree. Collision is rather expensive coverage, so consider dropping it from vehicles that are 8 years or older. You can also increase the deductible to save money on collision insurance.

Liability coverage – Liability insurance protects you from damages or injuries you inflict on other people or property in an accident. This insurance protects YOU against other people’s claims, and doesn’t cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show limits of 25/50/25 that means you have $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and $25,000 of coverage for damaged propery.

Liability coverage protects against claims such as medical expenses, emergency aid, structural damage, attorney fees and loss of income. How much liability coverage do you need? That is a personal decision, but you should buy as much as you can afford.

Comprehensive car insurance – Comprehensive insurance coverage pays for damage OTHER than collision with another vehicle or object. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things such as damage from getting keyed, damage from flooding and fire damage. The highest amount your car insurance company will pay is the actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Coverage for uninsured or underinsured drivers – This coverage protects you and your vehicle from other motorists when they do not carry enough liability coverage. Covered losses include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Make a quick buck

Consumers change insurance companies for any number of reasons including lack of trust in their agent, not issuing a premium refund, an unsatisfactory settlement offer or even unfair underwriting practices. It doesn’t matter why you want to switch finding a new car insurance company is not as difficult as it may seem.

As you go through the steps to switch your coverage, make sure you don’t reduce needed coverages to save money. There have been many cases where consumers will sacrifice liability coverage limits only to find out that the few dollars in savings costed them thousands. Your focus should be to buy enough coverage for the lowest price, but do not sacrifice coverage to save money.

Some car insurance companies may not provide rate quotes online and many times these smaller providers sell through independent agents. Affordable 1991 Oldsmobile Cutlass Supreme insurance can be found from both online companies as well as from independent agents, and you should compare price quotes from both to get a complete price analysis.

Additional car insurance information is located at these links: