1996 Oldsmobile Cutlass Supreme Car Insurance Quotes – 9 Policy Discounts

Want lower auto insurance rates for your Oldsmobile Cutlass Supreme? If you’re looking for more affordable insurance, do you get confused by the crazy number of auto insurance providers that you can choose from? Lot’s of other drivers are too. consumers have so many choices that it is a difficult challenge to find lower prices.

Buying car insurance is easy if you know what you’re doing. If you are paying for car insurance now, you will be able to cut costs considerably using these tips. But consumers do need to learn the way companies determine prices.

Find discounts to get cheap insurance rates

The cost of insuring your cars can be expensive, but you may qualify for discounts to reduce the price significantly. A few discounts will automatically apply at the time you complete a quote, but a few need to be requested specifically before being credited. If you do not double check each discount possible, you could be saving more on your insurance.

  • Active Military Service – Having a deployed family member could mean lower rates.
  • E-sign – Some of the larger companies provide a small discount get insurance online.
  • Defensive Driver Discount – Participating in a class that teaches defensive driving techniques is a good idea and can lower rates and easily recoup the cost of the course.
  • Auto/Home Discount – If you can bundle your homeowners and auto insurance with the same insurance company you will save 10% to 20% off each policy.
  • Discount for Home Ownership – Simply owning a home may earn you a small savings because maintaining a house shows financial diligence.
  • Professional Organizations – Being in a professional or civic organization is a simple method to lower premiums on insurance.
  • Theft Deterent System – Anti-theft and alarm system equipped vehicles can help prevent theft and can earn a small discount on your policy.
  • Resident Student – Kids who are enrolled in a college that is more than 100 miles from home and do not take a car to college could qualify for this discount.
  • Mature Driver Discount – Drivers over the age of 55 may be able to get a discount up to 10% on Cutlass Supreme insurance.

It’s important to understand that most of the big mark downs will not be given to your bottom line cost. Most only cut the cost of specific coverages such as collision or personal injury protection. Just because it seems like it’s possible to get free car insurance, company stockholders wouldn’t be very happy.

The best insurance companies and their possible discounts can be read below.

  • 21st Century has discounts for homeowners, early bird, anti-lock brakes, theft prevention, 55 and older, student driver, and teen driver.
  • State Farm has savings for multiple autos, safe vehicle, passive restraint, driver’s education, Steer Clear safe driver discount, anti-theft, and student away at school.
  • AAA offers premium reductions for pay-in-full, good student, anti-theft, good driver, education and occupation, and multi-car.
  • Liberty Mutual discounts include preferred payment discount, newly married, teen driver discount, new move discount, newly retired, and new graduate.
  • Progressive may have discounts that include good student, multi-policy, online signing, homeowner, and continuous coverage.

When comparing rates, check with every company what discounts are available to you. Some discounts listed above may not be available in your area. If you would like to view insurers with the best insurance discounts, click here.

Tricks in car insurance advertising

GEICO, State Farm and Progressive consistently run television, radio, and online ads. They all say the same thing that you can save just by moving to their company. How does each company claim to save you money? Here is the trick they use.

All the different companies have a preferred profile for the type of driver that will most likely be profitable. For example, this type of insured might be described as a married female, has few claims, and drives newer vehicles. Any driver that meets those criteria may get the lowest premium rates and as a result will probably save some money.

Consumers who are not a match for these stringent criteria will get higher premium rates with the end result being the prospect going elsewhere. The ads state “people who switch” but not “all drivers who get quotes” will save that much if they switch. That’s why companies can truthfully make those claims. This really emphasizes why drivers must compare quotes as often as possible. It’s impossible to know which company will be your best fit.

Tailor your insurance coverage to you

When it comes to choosing adequate coverage for your personal vehicles, there really is not a best way to insure your cars. Every insured’s situation is different.

For example, these questions might help in determining if your insurance needs would benefit from an agent’s advice.

  • When can my company non-renew my policy?
  • Am I covered if I drive in a foreign country?
  • Are my friends covered when driving my car?
  • Do I need added coverage for expensive stereo equipment?
  • Is my teen driver covered when they drive my company car?
  • Are my tools covered if they get stolen from my vehicle?
  • What are the best liability limits?
  • Can I rate high risk drivers on liability-only vehicles?
  • Is borrowed equipment or tools covered if stolen or damaged?

If you can’t answer these questions but you know they apply to you, you may need to chat with a licensed agent. To find lower rates from a local agent, fill out this quick form.

Insurance specifics

Understanding the coverages of your insurance policy can help you determine appropriate coverage at the best deductibles and correct limits. The coverage terms in a policy can be impossible to understand and coverage can change by endorsement.

Comprehensive auto coverage – This covers damage OTHER than collision with another vehicle or object. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive can pay for things such as a broken windshield, hail damage, hitting a deer, fire damage and damage from a tornado or hurricane. The highest amount you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Medical payments and PIP coverage – Medical payments and Personal Injury Protection insurance pay for short-term medical expenses like pain medications, prosthetic devices and doctor visits. They can be utilized in addition to your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover not only the driver but also the vehicle occupants as well as any family member struck as a pedestrian. Personal injury protection coverage is not universally available and may carry a deductible

UM/UIM (Uninsured/Underinsured Motorist) coverage – This protects you and your vehicle’s occupants when other motorists are uninsured or don’t have enough coverage. It can pay for medical payments for you and your occupants and damage to your Oldsmobile Cutlass Supreme.

Due to the fact that many drivers have only the minimum liability required by law, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Liability coverages – Liability coverage protects you from damages or injuries you inflict on other people or property in an accident. It protects you from legal claims by others, and does not provide coverage for damage to your own property or vehicle.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show limits of 50/100/50 which means $50,000 in coverage for each person’s injuries, a per accident bodily injury limit of $100,000, and property damage coverage for $50,000.

Liability coverage protects against things like bail bonds, repair bills for other people’s vehicles, funeral expenses, attorney fees and emergency aid. How much liability coverage do you need? That is up to you, but you should buy as large an amount as possible.

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

Collision coverage pays for things like sustaining damage from a pot hole, colliding with another moving vehicle, sideswiping another vehicle and scraping a guard rail. Collision coverage makes up a good portion of your premium, so consider dropping it from lower value vehicles. You can also raise the deductible to get cheaper collision coverage.

Save your hard earned cash

When shopping online for insurance, you should never buy less coverage just to save a little money. Too many times, consumers will sacrifice full coverage only to regret that a couple dollars of savings turned into a financial nightmare. The aim is to get the best coverage possible at a price you can afford, but do not skimp to save money.

We covered a lot of ways to lower your 1996 Oldsmobile Cutlass Supreme insurance car insurance rates. The key concept to understand is the more price quotes you have, the better your chances of lowering your premium rates. You may even find the biggest savings come from a lesser-known regional company.

People who switch companies do it for a number of reasons such as extreme rates for teen drivers, high rates after DUI convictions, unfair underwriting practices and even being labeled a high risk driver. It doesn’t matter why you want to switch finding a new company is not as hard as you think.

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