1991 Oldsmobile Cutlass Supreme Insurance Quotes

Locating the cheapest insurance for your Oldsmobile Cutlass Supreme can normally be difficult, but you can learn the following methods to find lower rates. There are both good and bad ways to shop for car insurance so you’re going to learn the absolute fastest way to price shop coverage on a Oldsmobile and find the lowest possible price either online or from local insurance agents.

If you have a current car insurance policy or are looking for a new policy, you can use these techniques to find better prices while maintaining coverages. Pricing the best car insurance coverage is simple if you know the tricks. Drivers just need to know how to compare price quotes over the internet.

Automobile Insurance Quotes

Shopping for lower car insurance rates can be challenging if you don’t know the most efficient way to do it. You could waste a few hours driving to agents in your area, or you can utilize online quotes to accomplish the same thing much quicker.

Many of the larger companies are enrolled in a marketplace that enables customers to submit one quote, and each company then gives them pricing based on that information. This saves time by eliminating quote requests for each company. To submit your quote information now, click here to open in new window.

The one disadvantage to doing it this way is you are unable to specify which providers you will receive quotes from. If you prefer to choose individual companies to compare prices, we have assembled a list of car insurance companies in your area. View list of insurance companies.

Which method you use is up to you, but be sure to compare the exact same coverage limits and deductibles for every quote you compare. If you have higher or lower deductibles you can’t possibly decipher which rate is best.

How to save on Oldsmobile Cutlass Supreme insurance

Companies don’t necessarily list every discount in an easy-to-find place, so here is a list some of the more common and also the lesser-known ways to save on insurance coverage. If they aren’t giving you every credit you deserve, you are throwing money away.

  • Low Mileage – Fewer annual miles on your Oldsmobile can qualify you for better rates on cars that stay parked.
  • Defensive Driving Course – Completing a driver safety course could possibly earn you a 5% discount if you qualify.
  • Service Members Pay Less – Being on active duty in the military could mean lower rates.
  • New Vehicle Savings – Adding a new car to your policy can cost up to 25% less because new vehicles have to meet stringent safety requirements.
  • Auto/Life Discount – Companies who offer life insurance give a break if you buy life insurance.
  • Auto/Home Discount – If you have multiple policies with the same insurance company you will save 10% to 20% off each policy.
  • One Accident Forgiven – Some insurance companies will allow you to have one accident without raising rates if you are claim-free for a set time period.
  • Safe Driver Discount – Drivers who avoid accidents may receive a discount up to 45% less for Cutlass Supreme insurance than drivers with accident claims.

It’s important to note that some of the credits will not apply to the entire policy premium. A few only apply to the price of certain insurance coverages like collision or personal injury protection. So even though it sounds like you would end up receiving a 100% discount, it just doesn’t work that way.

A partial list of companies who might offer some of the above discounts include:

Before buying, ask each company which discounts they offer. Some discounts might not apply everywhere.

Tailor your coverage to you

When it comes to choosing the right insurance coverage, there is no cookie cutter policy. Everyone’s needs are different.

Here are some questions about coverages that may help you determine whether your personal situation would benefit from an agent’s advice.

  • Does my 1991 Oldsmobile Cutlass Supreme need full coverage?
  • Is my cargo covered for damage or theft?
  • Am I insured when driving a different vehicle?
  • Is a new car covered when I drive it off the dealer lot?
  • What happens if I owe more than my 1991 Oldsmobile Cutlass Supreme is worth?
  • Are all vehicle passengers covered by medical payments coverage?

If you’re not sure about those questions, you may need to chat with an agent. If you want to speak to an agent in your area, fill out this quick form. It only takes a few minutes and can help protect your family.

Auto insurance 101

Knowing the specifics of a car insurance policy helps when choosing the right coverages for your vehicles. Policy terminology can be ambiguous and coverage can change by endorsement.

Medical expense insurance

Personal Injury Protection (PIP) and medical payments coverage reimburse you for expenses like pain medications, rehabilitation expenses and doctor visits. The coverages can be used in conjunction with a 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. Personal injury protection coverage is not an option in every state but can be used in place of medical payments coverage

Collision coverage protection

Collision coverage pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage protects against things such as backing into a parked car, sideswiping another vehicle, crashing into a ditch, colliding with a tree and colliding with another moving vehicle. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are older. Drivers also have the option to bump up the deductible in order to get cheaper collision rates.

Protection from uninsured/underinsured drivers

Uninsured or Underinsured Motorist coverage provides protection from other motorists when they do not carry enough liability coverage. It can pay for medical payments for you and your occupants as well as damage to your Oldsmobile Cutlass Supreme.

Due to the fact that many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is very important.

Comprehensive (Other than Collision)

This covers damage OTHER than collision with another vehicle or object. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for things like falling objects, vandalism, a tree branch falling on your vehicle, hail damage and rock chips in glass. The most a car insurance company will pay at claim time is the market value of your vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Liability insurance

Liability insurance can cover damage or injury you incur to people or other property in an accident. This insurance protects YOU against claims from other people. It does not cover your injuries or vehicle damage.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have limits of 25/50/25 which means $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and property damage coverage for $25,000.

Liability can pay for claims like loss of income, legal defense fees and attorney fees. How much coverage you buy is your choice, but it’s cheap coverage so purchase as much as you can afford.