View 1991 Oldsmobile Cutlass Supreme Insurance Quotes

Tired of not being able to afford to buy car insurance? You’re in the same situation as the majority of other car owners. Numerous car insurance companies battle for your business, and it can be difficult to compare rates and get the definite lowest cost out there.

If you have a policy now or are looking for a new policy, you can follow these tips to reduce the price you pay while maintaining coverages. Buying car insurance is easy if you know what you’re doing. Drivers just need to learn the tricks to shop for auto insurance online.

How to Get Car Insurance

Most major insurance companies like Progressive, Allstate and GEICO allow you to get coverage prices directly from their websites. This process is pretty painless as you simply enter your required coverages as detailed in the form. Once entered, the company’s rating system sends out for your driving and credit reports and generates pricing information based on these and other factors. This streamlines rate comparisons, but the time it takes to visit multiple sites and enter the same data into a form is not the best way to spend an afternoon. But it’s very important to have as many quotes as possible if you are searching for the best price possible.

An easier way to lower your car insurance bill uses one simple form that obtains quotes from several different companies. The form is fast, requires much less work on your part, and makes comparison shopping a lot less work. As soon as you send your information, it is quoted and you are able to buy any or none of the quotes returned. If a lower price is quoted, you can click and sign and purchase coverage. This process just takes a couple of minutes and may result in a nice savings.

To save time and compare rates now, click here and submit the form. If you have your current policy handy, we recommend you duplicate the coverage information exactly as shown on your declarations page. This helps ensure you’re receiving a price comparison using the same coverage and limits.

Take discounts and save

Companies don’t always publicize all available discounts in an easy-to-find place, so we took the time to find some of the more common and the more hidden savings tricks you should be using. If they aren’t giving you every credit you deserve, you’re just leaving money on the table.

  • Payment Discounts – If you pay your bill all at once instead of monthly or quarterly installments you could save 5% or more.
  • Federal Government Employee – Active or retired federal employment could cut as much as 10% off for Cutlass Supreme insurance with certain companies.
  • Organization Discounts – Being a member of a civic or occupational organization is a good way to get lower rates when buying insurance for Cutlass Supreme insurance.
  • Theft Prevention System – Vehicles equipped with anti-theft or alarm systems help deter theft and will save you 10% or more.
  • Drive Safe and Save – Insureds without accidents can pay as much as 50% less for Cutlass Supreme insurance than less cautious drivers.
  • New Car Discount – Insuring a new car can cost up to 25% less compared to insuring an older model.
  • Good Student Discount – Performing well in school can be rewarded with saving of up to 25%. Earning this discount can benefit you up to age 25.
  • Passive Restraints and Air Bags – Factory air bags and/or automatic seat belt systems can get savings of more than 20%.

As a disclaimer on discounts, most credits do not apply to all coverage premiums. Most only apply to specific coverage prices like collision or personal injury protection. Just because you may think it’s possible to get free car insurance, you’re out of luck.

Insurance companies that may have these discounts may include but are not limited to:

Check with all companies you are considering how you can save money. Savings might not apply in your state.

Which policy gives me the best coverage?

When it comes to choosing the best insurance coverage coverage, there really is no “best” method to buy coverage. Your needs are not the same as everyone else’s so this has to be addressed. For instance, these questions could help you determine whether your personal situation would benefit from an agent’s advice.

  • Should I put collision coverage on all my vehicles?
  • If my 1991 Oldsmobile Cutlass Supreme is totaled, can I afford another vehicle?
  • Will filing a claim cost me more?
  • Is my teen driver covered when they drive my company car?
  • Is there coverage for injuries to my pets?
  • What are the financial responsibility laws in my state?

If you can’t answer these questions but one or more may apply to you then you might want to talk to an insurance agent. To find lower rates from a local agent, simply complete this short form or go to this page to view a list of companies. It only takes a few minutes and can help protect your family.

Why your Oldsmobile Cutlass Supreme might be costing you more

Smart consumers have a good feel for the rating factors that play a part in calculating insurance coverage rates. Knowing what impacts premium levels allows you to make educated decisions that will entitle you to lower insurance coverage prices.

Shown below are a few of the “ingredients” companies use to determine prices.

  • A clean driving record saves money – Whether or not you get tickets impacts your car insurance rates tremendously. Only having one speeding ticket can boost insurance rates by as much as thirty percent. Careful drivers get better rates compared to drivers with tickets. Drivers with flagrant tickets such as reckless driving, hit and run or driving under the influence are required to submit a SR-22 form with their state DMV in order to keep their license.
  • Protect yourself with liability coverage – Your policy’s liability coverage is the protection in the event that a jury decides you are liable for damages caused by your negligence. It provides legal defense which can cost thousands of dollars. Liability is cheap as compared to coverage for physical damage, so do not cut corners here.
  • Pay less after the wedding – Having a wife or husband helps lower the price on your policy. Having a spouse usually means you are more mature and statistics show married drivers get in fewer accidents.
  • Rates may be higher depending on your occupation – Did you know your occupation can influence how much you pay for insurance coverage? Occupations such as lawyers, social workers and stock brokers have the highest rates in part from high stress levels and long work days. On the other hand, occupations such as pilots, students and homemakers get better rates for Cutlass Supreme insurance.
  • Do you need the policy add-ons? – There are quite a few add-on coverages that you can get tricked into buying when buying insurance coverage. Insurance for roadside assistance, accidental death and motor club memberships may be costing you every month. They may seem like a good idea initially, but if you don’t need them eliminate the coverages to reduce your premium.

The coverage is in the details

Knowing the specifics of your insurance policy aids in choosing which coverages you need for your vehicles. Insurance terms can be difficult to understand and even agents have difficulty translating policy wording. Listed below are typical coverages offered by insurance companies.

Insurance for medical payments

Medical payments and Personal Injury Protection insurance kick in for immediate expenses like funeral costs, dental work and ambulance fees. They are often used to fill the gap from your health insurance policy or if you lack health insurance entirely. They cover you and your occupants and also covers any family member struck as a pedestrian. PIP coverage is not universally available and gives slightly broader coverage than med pay

Uninsured Motorist or Underinsured Motorist insurance

Uninsured or Underinsured Motorist coverage gives you protection when other motorists either are underinsured or have no liability coverage at all. Covered losses include injuries to you and your family as well as your vehicle’s damage.

Since many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Liability auto insurance

Liability coverage will cover damage that occurs to other people or property. It protects YOU against other people’s claims, and does not provide coverage for damage sustained by your vehicle in an accident.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see policy limits of 100/300/100 which stand for a $100,000 limit per person for injuries, a total of $300,000 of bodily injury coverage per accident, and a limit of $100,000 paid for damaged property.

Liability coverage pays for things like pain and suffering, loss of income, repair costs for stationary objects, emergency aid and structural damage. How much liability coverage do you need? That is up to you, but consider buying higher limits if possible.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance will pay to fix damage OTHER than collision with another vehicle or object. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things such as a tree branch falling on your vehicle, hitting a bird, damage from getting keyed, falling objects and vandalism. The maximum payout your insurance company will pay is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Collision protection

This coverage covers damage to your Cutlass Supreme resulting from a collision with an object or car. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims such as crashing into a ditch, damaging your car on a curb, rolling your car, crashing into a building and backing into a parked car. Collision coverage makes up a good portion of your premium, so you might think about dropping it from older vehicles. Another option is to increase the deductible to get cheaper collision coverage.

A penny saved is a penny earned

Discount 1991 Oldsmobile Cutlass Supreme insurance can be purchased on the web and with local insurance agents, and you need to price shop both to have the best selection. There are still a few companies who do not offer online price quotes and usually these regional insurance providers provide coverage only through local independent agents.

In this article, we presented quite a bit of information on how to reduce insurance prices online. The key thing to remember is the more providers you compare, the better chance you’ll have of finding lower rates. Drivers may discover the lowest priced insurance comes from some of the smallest insurance companies. These companies often have lower prices on specific markets than their larger competitors like State Farm and Allstate.

More detailed insurance information is available at these sites: