1995 Oldsmobile Cutlass Supreme Insurance Rates

Searching for cheaper car insurance rates for your Oldsmobile Cutlass Supreme? I can’t think of anyone who likes having to buy car insurance, especially when their premiums are too high. Having so many options, it’s nearly impossible to find the right car insurance company.

It’s a good habit to shop coverage around at least once a year since rates trend upward over time. Just because you found the best deal on Cutlass Supreme insurance on your last policy you may be paying too much now. Forget anything you know (or think you know) about car insurance because you’re about to find out the right way to buy cheaper car insurance.

Buying car insurance is not that difficult. If you have car insurance now, you will be able to lower your premiums substantially using these methods. Vehicle owners just need to know the best way to get comparison quotes online.

Car Insurance Quote Comparison

There are a variety of methods to compare 1995 Oldsmobile Cutlass Supreme car insurance quotes, but there is one way that is easier and takes less work. You can waste hours talking to insurance companies in your area, or you could use online quotes to quickly compare rates.

Most car insurance companies take part in a program that enables customers to enter their coverage request one time, and each participating company returns a competitive quote based on the submitted data. This eliminates the need for quote requests to every company.

To get comparison pricing now click here to open in new window.

The only downside to comparing rates this way is you are unable to specify which providers to get pricing from. So if you want to choose specific insurance companies to compare rates, we have a page of the cheapest car insurance companies in your area. Click to view list.

It’s up to you how you get prices quotes, just double check that you are using apples-to-apples coverages on every quote. If you have unequal deductibles or liability limits then you won’t be able to decipher which rate is best.

Do drivers who switch really save?

Consumers can’t ignore all the ads for car insurance savings by companies like State Farm, Allstate and GEICO. All the companies make an identical promise that you can save after switching to them.

But how can every company claim to save you money?

Different companies have a certain “appetite” for the driver they prefer to insure. A good example of a desirable insured could possibly be between the ages of 30 and 50, owns a home, and has excellent credit. A customer getting a price quote that hits that “sweet spot” will get the preferred rates and is almost guaranteed to save when switching.

Drivers who fall outside these standards will be quoted more money and ends up with the customer not buying. The ads say “customers who switch” not “people who quote” save that kind of money. That’s the way companies can claim big savings. This emphasizes why you absolutely need to get as many quotes as possible. It’s just too difficult to predict the company that will have the lowest Oldsmobile Cutlass Supreme insurance rates.

Oldsmobile Cutlass Supreme rate determination is complex

Smart consumers have a good feel for the different types of things that go into determining the rates you pay for auto insurance. Knowing what controls the rates you pay helps enable you to make changes that will entitle you to much lower annual insurance costs.

Listed below are some of the factors that factor into prices.

  • Do you need the policy add-ons? – There are a ton of extra bells and whistles that can waste your money if you aren’t careful. Coverages like rental car reimbursement, accident forgiveness and term life insurance may be wasting your money. These coverages may sound good initially, but if they’re wasting money get rid of them and save.
  • Consolidate policies to earn discounts – Many insurers give discounts to insureds who consolidate policies with them, otherwise known as a multi-policy discount. Even with this discount, it’s in your best interest to compare rates to confirm you are receiving the best rates possible. You may still find better rates by splitting coverages up.
  • Choose a safe vehicle and save – Vehicles with high crash test scores can get you lower premiums. Safer cars have better occupant injury protection and any reduction in injury severity means less money paid by your insurance company and thus lower rates. If your Oldsmobile is rated at least an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website you may qualify for a discount.
  • Pleasure use saves money – Driving more miles each year the higher your rates will be. Most companies charge to insure your cars based on how the vehicle is used. Vehicles not used for work or commuting can get a lower rate than those used for commuting. If your policy improperly rates your Cutlass Supreme can cost quite a bit. Ask your agent if your auto insurance coverage shows the proper vehicle usage, because it can save money.
  • Women pay lower rates – The statistics show that women are safer drivers than men. Now that doesn’t mean men are worse drivers. They both tend to get into accidents in similar numbers, but men tend to have more serious accidents. Men also have more aggressive citations such as DWI and reckless driving.

Don’t pay full price with these discounts

Companies offering auto insurance don’t always publicize all available discounts very well, so we researched some of the best known and the harder-to-find ways to save on insurance. If you don’t get every credit you qualify for, you are throwing money away.

  • Accident Free – Drivers with accident-free driving histories can save substantially when compared to frequent claim filers.
  • Safe Drivers – Insureds without accidents may save up to 50% more on Cutlass Supreme insurance than their less cautious counterparts.
  • Sign Online – A handful of insurance companies give back up to $50 simply for signing over the internet.
  • Drivers Ed for Students – Require your teen driver to take driver’s ed class in school.
  • Sign Early and Save – Some insurance companies reward drivers for buying a policy prior to your current policy expiring. It can save you around 10%.
  • Multi-policy Discount – If you have multiple policies with one company you may save 10% to 20% off each policy.
  • Seat Belt Usage – Requiring all passengers to use their safety belts can save up to 15% off your medical payments premium.
  • Life Insurance Discount – Companies who offer life insurance give a break if you buy life insurance.
  • Own a Home – Owning a home may earn you a small savings because owning a home shows financial diligence.

Consumers should know that some credits don’t apply to the entire policy premium. Some only reduce the price of certain insurance coverages like liability and collision coverage. Even though it may seem like it’s possible to get free car insurance, insurance companies aren’t that generous.

For a list of insurers offering insurance discounts, click this link.

Your personal situation dictates your coverage

When buying the right insurance coverage, there isn’t really a single plan that fits everyone. Your needs are not the same as everyone else’s so your insurance needs to address that. Here are some questions about coverages that can aid in determining if your situation would benefit from professional advice.

  • I don’t drive much so do I pay less?
  • Am I covered if I wreck a rental car?
  • Is motorclub coverage worth it?
  • What are the financial responsibility laws in my state?
  • Am I missing any policy discounts?
  • Am I insured when driving a different vehicle?
  • Is my custom paint covered by insurance?

If it’s difficult to answer those questions, you may need to chat with an agent. To find an agent in your area, complete this form or click here for a list of car insurance companies in your area. It’s fast, doesn’t cost anything and can help protect your family.

Car insurance coverages for a 1995 Oldsmobile Cutlass Supreme

Knowing the specifics of your policy helps when choosing appropriate coverage for your vehicles. The terms used in a policy can be ambiguous and coverage can change by endorsement. Shown next are typical coverages found on the average insurance policy.

Comprehensive coverages – Comprehensive insurance pays for damage that is not covered by collision coverage. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive can pay for things such as damage from flooding, damage from getting keyed and fire damage. The most a insurance company will pay at claim time is the actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Collision – This coverage pays for damage to your Cutlass Supreme resulting from a collision with another car or object. You have to pay a deductible and then insurance will cover the remainder.

Collision can pay for claims like hitting a parking meter, damaging your car on a curb and crashing into a ditch. Paying for collision coverage can be pricey, so consider dropping it from lower value vehicles. It’s also possible to raise the deductible to bring the cost down.

Uninsured and underinsured coverage – Your UM/UIM coverage gives you protection from other drivers when they are uninsured or don’t have enough coverage. Covered claims include injuries to you and your family and damage to your Oldsmobile Cutlass Supreme.

Since many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Coverage for medical payments – Medical payments and Personal Injury Protection insurance kick in for immediate expenses for things like nursing services, dental work and doctor visits. They are often used to cover expenses not covered by your health insurance plan or if you do not have health coverage. Medical payments and PIP cover both the driver and occupants in addition to any family member struck as a pedestrian. PIP coverage is not universally available and gives slightly broader coverage than med pay

Liability car insurance – Liability insurance protects you from injuries or damage you cause to other people or property. This insurance protects YOU against other people’s claims. It does not cover 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. Your policy might show limits of 25/50/25 that translate to $25,000 bodily injury coverage, $50,000 for the entire accident, and property damage coverage for $25,000.

Liability coverage pays for claims such as medical services, structural damage and court costs. How much coverage you buy is up to you, but you should buy as much as you can afford.

Shop. Compare. Save.

The cheapest 1995 Oldsmobile Cutlass Supreme insurance can be bought on the web as well as from independent agents, and you should be comparing both to get a complete price analysis. Some companies don’t offer online quoting and most of the time these regional insurance providers sell through independent agents.

As you restructure your insurance plan, it’s not a good idea to buy lower coverage limits just to save a few bucks. In many instances, an accident victim reduced collision coverage only to find out that their decision to reduce coverage ended up costing them more. Your goal should be to buy enough coverage at an affordable rate while still protecting your assets.

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