How Much Does 1995 Oldsmobile Cutlass Supreme Car Insurance Cost?

Trying to find cheaper insurance for a new or used Oldsmobile Cutlass Supreme could be an all-consuming task, but you can learn our car insurance buying tips to find lower rates. There are both good and bad ways to find car insurance online and you need to know the absolute fastest way to quote coverages for your Oldsmobile and locate the lowest possible price either online or from local insurance agents.

It’s a good habit to compare rates yearly because insurance rates are usually higher with each renewal. Just because you had the lowest rates for Cutlass Supreme insurance a couple years back the chances are good that you can find a lower rate today. You can find a lot of wrong information about car insurance on the web, but I’m going to show you the best ways to find affordable car insurance.

Discounts are basically free money

Auto insurance companies don’t necessarily list every discount in a way that’s easy to find, so we researched some of the more common and also the lesser-known savings tricks you should be using. If you aren’t receiving every discount possible, you’re just leaving money on the table.

  • Homeowners Pay Less – Owning a home may trigger a car insurance policy discount because owning a home is proof that your finances are in order.
  • Accident Free – Drivers with accident-free driving histories can earn big discounts as compared to frequent claim filers.
  • Low Mileage Discounts – Low mileage vehicles could qualify for a substantially lower rate.
  • Theft Prevention Discount – Vehicles equipped with anti-theft or alarm systems can help prevent theft and qualify for as much as a 10% discount.
  • Drive Safe and Save – Drivers who avoid accidents can get discounts for up to 45% lower rates for Cutlass Supreme insurance than their less cautious counterparts.
  • Anti-lock Brake Discount – Vehicles equipped with ABS or steering control can avoid accidents and earn discounts up to 10%.
  • Federal Employees – Employees or retirees of the government may qualify you for a discount for Cutlass Supreme insurance with certain companies.
  • Sign Online – A handful of insurance companies may give you up to $50 simply for signing online.

Consumers should know that most discount credits are not given the the whole policy. Some only apply to the price of certain insurance coverages like comp or med pay. Just because you may think you could get a free car insurance policy, car insurance companies aren’t that generous.

Insurance companies that may offer these discounts are:

It’s a good idea to ask each insurance company what discounts are available to you. Discounts might not apply everywhere.

These factors can influence Oldsmobile Cutlass Supreme insurance rates

It’s important that you understand the different types of things that help determine auto insurance rates. Having a good understanding of what determines base rates helps enable you to make changes that could result in big savings.

  • How’s your driving record? – A bad driving record has a big impact on rates. Even one citation can bump up the cost by as much as thirty percent. Drivers who don’t get tickets have lower premiums than their less careful counterparts. If you have dangerous violations like DUI or reckless driving may find they need to file a SR-22 with the DMV in their state in order to prevent a license revocation.
  • Do you have enough liability coverage? – The liability section of your policy provides coverage in the event that a jury decides you are liable for damages caused by your negligence. Liability provides for a legal defense which can be incredibly expensive. Liability is cheap compared to insuring for physical damage coverage, so drivers should carry high limits.
  • Being married can save on auto insurance – Being married can actually save you money on your auto insurance policy. Having a spouse means you’re more responsible and it’s statistically proven that married drivers get in fewer accidents.
  • High credit ratings translate to low rates – Your credit score is a big factor in calculating your auto insurance rates. So if your credit score is lower than you’d like, you could pay less to insure your 1995 Oldsmobile Cutlass Supreme by improving your rating. Drivers who have good credit tend to be better drivers and file fewer claims as compared to drivers with poor credit.
  • Save money with special equipment – Purchasing a vehicle that has an advanced theft prevention system can get you a discount on your auto insurance. Theft prevention features such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all aid in stopping auto theft.
  • How many coverages with the same company – Many companies give discounts to customers who have multiple policies with them such as combining an auto and homeowners policy. Discounts can be anywhere from five to ten percent in most cases. Even if you’re getting this discount you still need to compare other company rates to make sure you are getting the best deal. You may still find better rates by insuring with multiple companies.
  • Men are more aggressive – The statistics show women are more cautious behind the wheel. However, don’t assume that women are better drivers. Men and women tend to get into accidents in similar percentages, but the men cause more damage and cost insurance companies more money. Men also statistically have more aggressive citations such as DWI and reckless driving.

Which insurance is the “right” coverage?

When it comes to choosing proper insurance coverage, there really is not a “best” method to buy coverage. Each situation is unique.

Here are some questions about coverages that might help in determining if your insurance needs could use an agent’s help.

  • Are all vehicle passengers covered by medical payments coverage?
  • Is my babysitter covered when using my vehicle?
  • Are there companies who specialize in insuring high-risk drivers?
  • Is my 1995 Oldsmobile Cutlass Supreme covered for flood damage?
  • Am I covered if I hit my neighbor’s mailbox?
  • Do all my vehicles need collision coverage?
  • Do I need rental car coverage?
  • If I drive on a suspended license am I covered?
  • Do I need PIP coverage since I have good health insurance?

If you’re not sure about those questions, you may need to chat with an 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.

Beware of misleading car insurance ads

Consumers can’t ignore all the ads that promise big savings from companies such as State Farm, Geico and Progressive. All the companies make an identical promise that you can save if you change your policy.

How does each company claim to save you money?

All the different companies are able to cherry pick for the driver that makes them money. A good example of a preferred risk could possibly be over the age of 50, owns a home, and has great credit. A driver that hits that “sweet spot” will qualify for the lowest rates and is almost guaranteed to pay quite a bit less when switching companies.

Consumers who don’t qualify for the requirements must pay higher prices and ends up with business not being written. Company advertisements say “people who switch” but not “drivers who get quotes” save that kind of money. That is how insurance companies can confidently state the savings. This illustrates why drivers must quote coverage with many companies. Because you never know the company that will fit your personal profile best.

Insurance coverage basics

Learning about specific coverages of insurance helps when choosing appropriate coverage and proper limits and deductibles. The terms used in a policy can be difficult to understand and coverage can change by endorsement.

Liability coverage – Liability coverage provides protection from damages or injuries you inflict on other people or property in an accident. This insurance protects YOU against claims from other people, and does not provide coverage for your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show policy limits of 25/50/25 that means you have a $25,000 limit per person for injuries, a limit of $50,000 in injury protection per accident, and a limit of $25,000 paid for damaged property.

Liability insurance covers things such as court costs, medical services and funeral expenses. How much coverage you buy is a personal decision, but you should buy higher limits if possible.

UM/UIM (Uninsured/Underinsured Motorist) coverage – This protects you and your vehicle’s occupants when the “other guys” are uninsured or don’t have enough coverage. This coverage pays for medical payments for you and your occupants and damage to your 1995 Oldsmobile Cutlass Supreme.

Since a lot of drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is very important.

Collision coverage – Collision insurance will pay to fix damage to your Cutlass Supreme resulting from a collision with another vehicle or an object, but not an animal. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims like backing into a parked car, hitting a parking meter, scraping a guard rail and driving through your garage door. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are 8 years or older. Drivers also have the option to choose a higher deductible to save money on collision insurance.

Comprehensive auto coverage – Comprehensive insurance covers damage that is not covered by collision coverage. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims like damage from flooding, theft, hitting a deer, a tree branch falling on your vehicle and hitting a bird. The most you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Medical payments and PIP coverage – Med pay and PIP coverage pay for bills for hospital visits, X-ray expenses, doctor visits and surgery. They can be used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. Coverage applies to not only the driver but also the vehicle occupants and will also cover if you are hit as a while walking down the street. Personal Injury Protection is only offered in select states and may carry a deductible

What is YOUR best insurance company?

Insureds who switch companies do it for any number of reasons including delays in responding to claim requests, denial of a claim, an unsatisfactory settlement offer and lack of trust in their agent. No matter why you want to switch, choosing a new company can be easy and end up saving you some money.

As you shop your coverage around, do not buy lower coverage limits just to save a few bucks. There have been many situations where consumers will sacrifice physical damage coverage only to regret at claim time that saving that couple of dollars actually costed them tens of thousands. Your strategy should be to purchase plenty of coverage at a price you can afford while still protecting your assets.

Low-cost 1995 Oldsmobile Cutlass Supreme insurance is definitely available both online in addition to many insurance agents, and you need to price shop both so you have a total pricing picture. Some insurance providers do not provide you the ability to get quotes online and many times these small insurance companies only sell through independent insurance agents.

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