1997 Oldsmobile Cutlass Supreme Insurance Rates – 6 Ways to Save

Shoppers have lots of choices when shopping for affordable Oldsmobile Cutlass Supreme insurance. They can either spend hours contacting agents trying to get quotes or save time using the internet to compare rates. There are both good and bad ways to buy insurance and we’ll show you the quickest way to quote coverages on a Oldsmobile and locate the lowest price either online or from local insurance agents.

Compare car insurance rates

There are several ways to compare car insurance quotes, but one way is easier and takes less work. You could spend your day driving to local insurance agents in your area, or you can utilize online quoting to achieve your goal.

Many companies are enrolled in a marketplace that enables customers to enter their policy data once, and each participating company can give them a price based on the submitted data. This saves time by eliminating quote requests for every car insurance company.

To find out how much you can save on car insurance click here to open in new window.

The only drawback to using this type of form is you don’t know exactly which carriers to get pricing from. So if you prefer to pick individual companies to compare, we have a listing of companies who write car insurance in your area. Click here to view list.

The approach you take is up to you, just try to use exactly the same coverage limits and deductibles for each comparison quote. If the quotes have differing limits it will be very difficult to determine the best price for your Oldsmobile Cutlass Supreme.

Does car insurance advertising bend the truth?

Consumers can’t get away from all the ads that claim the best rates from companies such as Progressive, Allstate and GEICO. All the ads try to convey promises about savings if you move your coverage to them.

How does every company charge less that you’re paying now? This is how they do it.

Most companies quote the lowest rates for a prospective insured that earns them a profit. For example, this type of risk profile could be over the age of 50, has few claims, and drives a safe vehicle. Anyone who matches that profile will probably get cheap auto insurance rates and most likely will save quite a bit of money when switching.

Potential customers who do not match the requirements will see higher premium rates and business going elsewhere. The trick companies use is to say “customers who switch” not “everyone who quotes” save money. That’s the way companies can advertise the way they do. This illustrates why you should compare rate quotes every year. You cannot predict with any certainty which company will provide the lowest rates.

Six discounts to earn lower-cost insurance coverage rates

Companies don’t always list the complete list of policy discounts very clearly, so the following list contains both well-publicized in addition to some of the lesser obvious discounts you could be receiving when you buy insurance online.

  • Onboard Data Collection – People who choose to allow driving data submission to look at their driving habits by using a telematics device such as Drivewise from Allstate or Snapshot from Progressive may get a rate reduction if they exhibit good driving behavior.
  • Safe Drivers – Drivers who avoid accidents may receive a discount up to 45% on Cutlass Supreme coverage than drivers with accidents.
  • Accident Free – Drivers with accident-free driving histories can earn big discounts as opposed to drivers who are more careless.
  • Air Bags and Passive Restraints – Factory air bags or automatic seat belts can get savings of up to 25% or more.
  • Military Rewards – Having an actively deployed family member could qualify you for better prices.
  • New Vehicle Savings – Insuring a vehicle that is new can save you some money because newer vehicles are generally safer.

Keep in mind that most credits do not apply to the entire policy premium. Most cut individual premiums such as liability, collision or medical payments. Even though it appears all the discounts add up to a free policy, you won’t be that lucky.

A partial list of companies that possibly offer most of these discounts include:

When getting a coverage quote, ask every insurance company which discounts can lower your rates. A few discounts may not be offered in your area.

Tailor your insurance coverage to you

When it comes to buying the best insurance coverage for your personal vehicles, there really is not a perfect coverage plan. Everyone’s situation is a little different.

For example, these questions may help you determine if your situation might need an agent’s assistance.

  • Are my friends covered when driving my 1997 Oldsmobile Cutlass Supreme?
  • Do I have any recourse if my insurance company denies a claim?
  • Is my teenager covered with friends in the car?
  • Is borrowed equipment or tools covered if stolen or damaged?
  • Are my friends covered when driving my car?
  • When would I need additional glass coverage?
  • Who is covered by my policy?
  • If I drive on a suspended license am I covered?

If you can’t answer these questions, you might consider talking to a licensed agent. If you don’t have a local agent, simply complete this short form. It only takes a few minutes and can help protect your family.

Auto insurance coverages

Learning about specific coverages of a insurance policy helps when choosing appropriate coverage and the correct deductibles and limits. The coverage terms in a policy can be ambiguous and even agents have difficulty translating policy wording.

Uninsured/Underinsured Motorist coverage – This coverage gives you protection when other motorists either are underinsured or have no liability coverage at all. Covered claims include injuries sustained by your vehicle’s occupants and damage to your 1997 Oldsmobile Cutlass Supreme.

Because many people have only the minimum liability required by law, it only takes a small accident to exceed their coverage. So UM/UIM coverage should not be overlooked.

Collision coverage – This coverage pays for damage to your Cutlass Supreme resulting from a collision with a stationary object or other vehicle. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims such as sustaining damage from a pot hole, colliding with a tree, rolling your car and hitting a mailbox. Paying for collision coverage can be pricey, so consider removing coverage from lower value vehicles. It’s also possible to bump up the deductible in order to get cheaper collision rates.

Medical payments coverage and PIP – Medical payments and Personal Injury Protection insurance kick in for short-term medical expenses like nursing services, hospital visits and pain medications. The coverages can be used in conjunction with a health insurance plan or if you do not have health coverage. Medical payments and PIP cover you and your occupants as well as if you are hit as a while walking down the street. Personal injury protection coverage is only offered in select states and gives slightly broader coverage than med pay

Comprehensive coverage – This covers damage that is not covered by collision coverage. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage pays for things such as damage from getting keyed, a tree branch falling on your vehicle, falling objects, a broken windshield and damage from a tornado or hurricane. The maximum amount your insurance company will pay is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Liability auto insurance – This can cover damage that occurs to people or other property. This insurance protects YOU from claims by other people. Liability doesn’t cover damage to your own property or vehicle.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have limits of 50/100/50 that means you have $50,000 bodily injury coverage, a per accident bodily injury limit of $100,000, and a total limit of $50,000 for damage to vehicles and property.

Liability can pay for things such as attorney fees, funeral expenses, emergency aid, repair costs for stationary objects and medical expenses. How much liability should you purchase? That is a decision to put some thought into, but you should buy as much as you can afford.

Stretch your dollar

When searching for cheap insurance quotes, it’s very important that you do not skimp on coverage in order to save money. There are too many instances where an accident victim reduced collision coverage and discovered at claim time they didn’t have enough coverage. Your focus should be to buy enough coverage at an affordable rate.

Budget-friendly insurance is definitely available both online and with local insurance agents, so you need to shop insurance with both in order to have the best price selection to choose from. Some insurance providers do not offer rate quotes online and usually these small insurance companies prefer to sell through local independent agencies.

You just read many ideas to get a better price on 1997 Oldsmobile Cutlass Supreme insurance. It’s most important to understand that the more price quotes you have, the higher the chance of saving money. You may be surprised to find that the most savings is with a smaller regional carrier.

More tips and info about insurance is located by following these links: