Compare 1990 Oldsmobile Cutlass Supreme Insurance Quotes

If you are a novice to online insurance coverage shopping, you may be confused by the vast number of companies offering insurance.

Free Insurance Coverage Quotes

There are multiple methods to compare 1990 Oldsmobile Cutlass Supreme insurance coverage quotes, but one way is less time-consuming than others. You could waste a few hours talking about coverages with insurance agencies in your area, or you could save time and use online quoting for quick rates.

Many of the larger companies take part in a program where insurance shoppers only type in their quote data once, and each participating company then returns a price quote based on that information. This saves time by eliminating repetitive form submissions for each company you want a rate for.

To find out what other companies charge for 1990 Oldsmobile Cutlass Supreme insurance click here to start a free quote.

The only downside to comparing rates this way is you can’t choose which companies to get quotes from. If you wish to select from a list of companies to compare, we have a listing of the cheapest insurance coverage companies in your area. Click here for list of insurance companies.

Whichever method you choose, make darn sure you compare identical information for each comparison quote. If you enter unequal deductibles or liability limits it will be next to impossible to find the best deal for your Oldsmobile Cutlass Supreme. Having just a slight variation in coverage limits may result in large price differences. Just remember that obtaining a wide range of quotes gives you a better chance of getting the best offered rates.

Cut prices on 1990 Oldsmobile Cutlass Supreme insurance

Car insurance can cost a lot, buy you may qualify for discounts that many people don’t even know exist. Certain discounts will be applied when you purchase, but some may not be applied and must be specially asked for before you get the savings.

  • New Car Discount – Adding a new car to your policy can be considerably cheaper compared to insuring an older model.
  • Drivers Ed for Students – Have your child take driver’s ed class in high school.
  • Resident Student – Children living away from home attending college and do not have access to a covered vehicle can be insured at a reduced rate.
  • Life Insurance – Larger companies have a break if you buy a life insurance policy as well.
  • Employee of Federal Government – Simply working for the federal government can earn a discount up to 10% on Cutlass Supreme coverage with a few insurance companies.
  • No Accidents – Good drivers with no accidents can earn big discounts as compared to accident-prone drivers.
  • Early Switch Discount – A few companies offer discounts for buying a policy before your current policy expires. It’s a savings of about 10%.
  • Drive Safe and Save – Insureds without accidents may save up to 50% more on Cutlass Supreme coverage than drivers with accidents.
  • Pay Upfront and Save – If you pay your entire premium ahead of time rather than paying monthly you can actually save on your bill.
  • Defensive Driving Course – Successfully completing a driver safety course could save 5% or more depending on where you live.

Keep in mind that most discount credits are not given to the entire policy premium. The majority will only reduce the cost of specific coverages such as medical payments or collision. So even though they make it sound like having all the discounts means you get insurance for free, companies don’t profit that way. Any qualifying discounts will cut the amount you have to pay.

To see a list of insurers offering insurance discounts, click here.

Tailor your coverage to you

When choosing the right insurance coverage, there really is no “best” method to buy coverage. Each situation is unique.

Here are some questions about coverages that could help you determine whether or not you might need an agent’s assistance.

  • Am I covered if I hit my neighbor’s mailbox?
  • Does my liability insurance cover pulling a trailer or camper?
  • Can I make deliveries for my home business?
  • Does my 1990 Oldsmobile Cutlass Supreme qualify for pleasure use?
  • Does insurance cover damages from a DUI accident?
  • Is a new car covered when I drive it off the dealer lot?
  • How do I file an SR-22 for a DUI in my state?
  • What companies insure drivers after a DUI or DWI?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • Is motorclub coverage worth it?

If it’s difficult to answer those questions, you might consider talking to an agent. To find an agent in your area, simply complete this short form.

Coverages available on your insurance policy

Understanding the coverages of your insurance policy can be of help when determining the right coverages at the best deductibles and correct limits. Insurance terms can be ambiguous and reading a policy is terribly boring.

Comprehensive coverage (or Other than Collision)

This pays for damage that is not covered by collision coverage. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims such as damage from getting keyed, rock chips in glass, hail damage, damage from flooding and hitting a bird. The highest amount a insurance company will pay at claim time is the actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Insurance for medical payments

Coverage for medical payments and/or PIP kick in for bills like surgery, dental work, hospital visits, doctor visits and rehabilitation expenses. They are used in conjunction with a health insurance policy or if there is no health insurance coverage. They cover both the driver and occupants as well as getting struck while a pedestrian. PIP coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Uninsured Motorist or Underinsured Motorist insurance

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other drivers when they are uninsured or don’t have enough coverage. Covered losses include medical payments for you and your occupants and damage to your Oldsmobile Cutlass Supreme.

Since many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is very important. Usually the UM/UIM limits are similar to your liability insurance amounts.

Collision protection

This covers damage to your Cutlass Supreme caused by collision with an object or car. A deductible applies then your collision coverage will kick in.

Collision can pay for claims such as rolling your car, damaging your car on a curb, crashing into a building, crashing into a ditch and hitting a parking meter. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from lower value vehicles. It’s also possible to increase the deductible in order to get cheaper collision rates.

Liability car insurance

Liability coverage protects you from damage or injury you incur to a person or their property. It protects YOU from legal claims by others, and does not provide coverage for your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see policy limits of 100/300/100 that means you have a $100,000 limit per person for injuries, $300,000 for the entire accident, and a limit of $100,000 paid for damaged property. Some companies may use one limit called combined single limit (CSL) that pays claims from the same limit without having the split limit caps.

Liability coverage protects against claims like medical services, loss of income and structural damage. How much liability coverage do you need? That is your choice, but buy higher limits if possible.

The best insurance company isn’t always the cheapest

You just learned some good ideas how you can save on 1990 Oldsmobile Cutlass Supreme insurance. The most important thing to understand is the more rate comparisons you have, the better your chances of lowering your rates. Consumers may even find the lowest priced insurance comes from a small local company.

Lower-priced insurance can be purchased online in addition to many insurance agents, and you should be comparing both in order to have the best price selection to choose from. Some companies do not provide online price quotes and many times these small, regional companies only sell through independent insurance agents.

When you buy insurance online, it’s very important that you do not buy lower coverage limits just to save a few bucks. There are many occasions where someone dropped uninsured motorist or liability limits to discover at claim time that a couple dollars of savings turned into a financial nightmare. Your strategy should be to get the best coverage possible at the best price while still protecting your assets.

Helpful information