Save on 1993 Oldsmobile Cutlass Supreme Car Insurance Quotes

If you’re searching for lower-priced insurance online, do you get frustrated by the number of insurance companies that you can choose from? You have so many options that it can quickly become a difficult situation to locate the lowest premium rates.

Locating the cheapest insurance coverage is easy if you know what you’re doing. In a nutshell, every driver who is required by state law to have insurance most likely will be able to find better rates. But vehicle owners must comprehend how big insurance companies sell online and take advantage of how the system works.

Cheap insurance

Many insurance companies provide coverage prices directly from their websites. Comparing prices online is quite easy as you just type in your personal and coverage information on the page. Upon sending the form, their system obtains your driving and credit reports and returns pricing information based on the data you entered.

This makes comparing rates easy, but the time it takes to visit each company’s website and repetitively complete many quote forms can be a bit repetitive. But it’s necessary to compare as many rates as possible in order to find the best price on insurance.

Online rates the easy way

The easiest way to find cheaper rates requires only one form to obtain quotes from a bunch of companies at once. It saves time, requires less work, and makes price shopping online much more enjoyable and efficient. Once the form is submitted, it gets priced and you can select any of the returned quotes.

If one or more price quotes are lower than your current rates, you simply finish the application and purchase the new policy. This process just takes a couple of minutes and you will know how your current rates stack up.

To save time and find out how much you can save on insurance, simply click here to open in new window and complete the simple form. If you have your current policy handy, we recommend you type in identical to your current policy. Doing this assures you will have an apples-to-apples comparison for similar insurance coverage.

More affordable rates by taking advantage of discounts

Properly insuring your vehicles can get expensive, but you may be missing some discounts that can help lower your rates. Most are applied at the time you complete a quote, but a few must be inquired about in order for you to get them.

Accident-Free Discounts – Insureds who avoid accidents and claims have much lower rates compared to frequent claim filers.
Data Collection Discounts – Insureds that choose to allow data collection to monitor where and when they drive by installing a telematics device such as Progressive’s Snapshot and State Farm’s In-Drive might see lower rates as long as the data is positive.
Lower Rates for Military – Having a deployed family member can result in better car insurance rates.
Sign Online – Certain insurance companies provide a small discount for buying your policy on your computer.
ABS Brakes – Cars, trucks, and SUVs that have anti-lock braking systems are much safer to drive and earn discounts up to 10%.
Include Life Insurance and Save – Not every insurance company offers life insurance, but if they do you may earn a break if you buy some life insurance too.
Early Switch Discount – Some larger companies give discounts for renewing your policy prior to your current policy expiring. Ten percent is about the average savings.
Accident Waiver – Not really a discount, but a few companies such as GEICO, State Farm, and Progressive may permit one accident without getting socked with a rate hike so long as you are claim-free for a specific time period.

Discounts save money, but please remember that some credits don’t apply the the whole policy. A few only apply to the cost of specific coverages such as physical damage coverage or medical payments. Even though the math looks like you could get a free car insurance policy, car insurance companies aren’t that generous.

Some companies that have most of these discounts include:

When getting free auto insurance quotes, it’s a good idea to every prospective company how you can save money. Some discounts listed above may not apply to policies in your area.

How much insurance coverage do I need?

When buying proper insurance coverage for your personal vehicles, there really is not a one size fits all plan. Each situation is unique.

For example, these questions may help you determine whether you could use an agent’s help.

Am I covered if I crash into my own garage door?
Are rental cars covered under my policy?
Am I covered when renting a car or should I buy coverage from the car rental agency?
What is an SR-22 filing?
Is other people’s property covered if stolen from my vehicle?
How much liability coverage do I need in my state?
Do I pay less for low miles?
Why am I required to get a high-risk car insurance policy?

If you’re not sure about those questions but a few of them apply, you might consider talking to a licensed insurance agent. If you don’t have a local agent, fill out this quick form.

Coverages available on your car insurance policy

Learning about specific coverages of car insurance aids in choosing appropriate coverage at the best deductibles and correct limits. The terms used in a policy can be impossible to understand and nobody wants to actually read their policy.

Comprehensive car insurance

This coverage pays for damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims such as vandalism, damage from a tornado or hurricane, damage from flooding, fire damage and hitting a deer. The maximum amount you’ll receive from a claim is the market value of your vehicle, so if the vehicle is not worth much consider dropping full coverage.

Liability coverage

This coverage protects you from damage that occurs to a person or their property in an accident. It protects you from claims by other people. Liability doesn’t cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have values of 100/300/100 which stand for a $100,000 limit per person for injuries, a total of $300,000 of bodily injury coverage per accident, and $100,000 of coverage for damaged propery. Occasionally you may see a combined limit which limits claims to one amount with no separate limits for injury or property damage.

Liability coverage protects against claims like emergency aid, funeral expenses, loss of income and legal defense fees. How much liability should you purchase? That is a personal decision, but consider buying higher limits if possible.

Coverage for collisions

This coverage covers 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 coverage pays for claims like sustaining damage from a pot hole, sideswiping another vehicle and hitting a mailbox. This coverage can be expensive, so consider removing coverage from older vehicles. It’s also possible to bump up the deductible to save money on collision insurance.

Coverage for medical expenses

Med pay and PIP coverage provide coverage for bills for things like pain medications, ambulance fees, funeral costs and X-ray expenses. They are used in conjunction with a health insurance policy or if you do not have health coverage. Medical payments and PIP cover all vehicle occupants and will also cover if you are hit as a while walking down the street. Personal injury protection coverage is not universally available and gives slightly broader coverage than med pay

Coverage for uninsured or underinsured drivers

This coverage protects you and your vehicle from other drivers when they either are underinsured or have no liability coverage at all. Covered claims include hospital bills for your injuries as well as your vehicle’s damage.

Because many people only carry the minimum required liability limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is important protection for you and your family. Most of the time the UM/UIM limits are identical to your policy’s liability coverage.