1997 Oldsmobile Cutlass Insurance Quotes

Looking for the cheapest auto insurance rates for your Oldsmobile Cutlass? Tired of robbing Peter to pay Paul to buy car insurance? You are in the same boat as many other drivers.

There is such a variety of car insurance companies to insure vehicles with, and though it is a good thing to have a selection, it can be more challenging to find the best rates.

It’s a good idea to do rate comparisons periodically since rates change regularly. Just because you found the best price for Cutlass insurance a few years ago you can probably find a better price now. Don’t believe everything you read about auto insurance on the web, but with this article, you’re going to get some proven techniques to quit paying high auto insurance rates.

Finding Insurance Deals

Most companies like State Farm and Allstate provide coverage price quotes directly from their websites. This process is quite easy as you simply enter your coverage information into a form. Behind the scenes, their system collects your credit score and driving record and quotes a price. This makes comparing rates easy, but the work required to visit each company’s website and repetitively type in the same information gets old quite quickly. Unfortunately, it is important to perform this step if you are searching for the lowest insurance rates.

The smarter way to find lower prices utilizes a single form to obtain quotes from multiple companies. This type of form saves time, eliminates repetitive work, and makes quoting online a lot less work. After your information is entered, it is rated and you are able to buy any or none of the quote results.

If the quotes result in lower rates, it’s easy to complete the application and buy the policy. The whole process just takes a couple of minutes and you’ll know if lower rates are available.

To save time and compare rates using this form now, click here to open in new window and fill out the form. If you currently have coverage, we recommend you replicate deductibles and limits as close as possible to your current policy. This helps ensure you will have an apples-to-apples comparison based on identical coverages.

Discounts can save BIG

Insurance can be prohibitively expensive, but companies offer discounts to help bring down the price. Certain discounts will be triggered automatically when you quote, but some may not be applied and must be requested specifically in order for you to get them.

  • Multi-policy Discount – When you combine your home and auto insurance with one company you will save at least 10% off all policies.
  • Drivers Ed for Students – Require your teen driver to successfully complete driver’s ed class if offered at their school.
  • Government Employees – Being employed by or retired from a federal job can save as much as 8% for Cutlass insurance with certain companies.
  • No Charge for an Accident – Certain companies permit an accident before your rates go up if you are claim-free prior to the accident.
  • Anti-lock Brakes – Vehicles with anti-lock braking systems prevent accidents and earn discounts up to 10%.
  • Auto/Life Discount – Companies who offer life insurance give a break if you buy auto and life insurance together.
  • Discount for New Cars – Buying coverage on a new vehicle can be considerably cheaper due to better safety requirements for new cars.
  • Distant Student – Children who live away from home and don’t have a car can receive lower rates.
  • Pay Now and Pay Less – If paying your policy premium upfront rather than paying monthly you can actually save on your bill.
  • Safe Drivers – Drivers who don’t get into accidents may receive a discount up to 45% less for Cutlass insurance than drivers with accidents.

Drivers should understand that some credits don’t apply the the whole policy. Most cut the price of certain insurance coverages like collision or personal injury protection. Just because it seems like you could get a free auto insurance policy, auto insurance companies aren’t that generous. Any amount of discount will cut the cost of coverage.

To see a list of companies who offer auto insurance discounts, click here.

Elements that influence Oldsmobile Cutlass insurance rates

Consumers need to have an understanding of the different types of things that go into determining the price you pay for insurance coverage. Having a good understanding of what impacts premium levels empowers consumers to make smart changes that could result in better insurance coverage rates.

Listed below are a partial list of the pieces used by your company to calculate premiums.

  • Women pay lower rates – Statistics have proven women are more cautious behind the wheel. However, don’t assume that men are worse drivers. Both sexes have accidents in similar numbers, but the males cause more damage and cost insurance companies more money. They also get more serious tickets like reckless driving and DUI.
  • A lapse in coverage is a bad thing – Driving without insurance is illegal and insurance coverage companies will penalize you for letting your coverage lapse. Not only will you pay more, getting caught without coverage can result in a license revocation or jail time.You may then be required to prove you have insurance by filing a SR-22 with your state department of motor vehicles.
  • Save money with special equipment – Purchasing a vehicle with a theft deterrent system can help lower your rates. Theft prevention devices like GM’s OnStar, tamper alarm systems and vehicle immobilizers all aid in stopping auto theft.
  • Choose a safe vehicle and save – Vehicles with good safety scores can get you lower premiums. Safer cars result in less severe injuries and lower injury rates translates into fewer and smaller insurance claims and lower rates for you. If your Oldsmobile Cutlass earned at least four stars on Safercar.gov you may qualify for a discount.
  • Where you live – Living in less populated areas has it’s advantages when it comes to insurance coverage. Fewer people means reduced accidents as well as less vandalism and auto theft. Urban drivers have to deal with congested traffic and longer commute times. More time on the road means higher likelihood of an accident.
  • Younger drivers pay higher rates – Older drivers are more cautious drivers, tend to file fewer claims and receive fewer citations. Teen drivers have a tendency to be more careless behind the wheel and because of this, their insurance coverage rates are much higher.
  • Do you work long hours in a high stress job? – Did you know your occupation can influence how much you pay for insurance coverage? Occupations like real estate brokers, architects and financial analysts tend to pay higher average rates because of high stress and lengthy work days. Conversely, jobs such as pilots, engineers and homemakers have the lowest average rates for Cutlass insurance.
  • Multi-policy discounts can save money – Many companies provide better rates to insureds who have multiple policies with them in the form of a multi-policy discount. Even with this discount, it’s in your best interest to compare other company rates to verify if the discount is saving money.

Will just any policy work for me?

When it comes to buying the best car insurance coverage for your vehicles, there isn’t really a “perfect” insurance plan. Everyone’s situation is a little different and your policy should reflect that. These are some specific questions may help highlight whether or not you will benefit from professional help.

  • Does liability extend to a camper or trailer?
  • Will I be non-renewed for getting a DUI or other conviction?
  • Do I have coverage if my license is suspended?
  • Does my 1997 Oldsmobile Cutlass qualify for pleasure use?
  • Do I need special endorsements for business use of my vehicle?
  • Does my policy pay for OEM or aftermarket parts?

If it’s difficult to answer those questions but one or more may apply to you, you might consider talking to an agent. If you want to speak to an agent in your area, take a second and complete this form or click here for a list of car insurance companies in your area.

Auto insurance coverages 101

Learning about specific coverages of a auto insurance policy can be of help when determining which coverages you need for your vehicles. The coverage terms in a policy can be ambiguous and coverage can change by endorsement. Below you’ll find the usual coverages offered by auto insurance companies.

Auto liability insurance

Liability coverage provides protection from damages or injuries you inflict on people or other property that is your fault. It protects YOU from claims by other people. Liability doesn’t cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show policy limits of 50/100/50 which stand for a limit of $50,000 per injured person, a limit of $100,000 in injury protection per accident, and a limit of $50,000 paid for damaged property. Some companies may use a combined single limit or CSL which limits claims to one amount rather than limiting it on a per person basis.

Liability can pay for things such as funeral expenses, medical services, structural damage and loss of income. How much liability coverage do you need? That is a decision to put some thought into, but you should buy as large an amount as possible.

Protection from uninsured/underinsured drivers

Your UM/UIM coverage provides protection when the “other guys” do not carry enough liability coverage. Covered claims include medical payments for you and your occupants as well as damage to your Oldsmobile Cutlass.

Since many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is a good idea. Most of the time these limits are set the same as your liablity limits.

Medical expense insurance

Med pay and PIP coverage kick in for immediate expenses for nursing services, rehabilitation expenses, chiropractic care, surgery and hospital visits. The coverages can be utilized in addition to your health insurance program or if you are not covered by health insurance. Coverage applies to you and your occupants in addition to if you are hit as a while walking down the street. PIP coverage is not universally available but can be used in place of medical payments coverage

Collision insurance

Collision coverage pays for damage to your Cutlass caused by collision with another car or object. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage pays for claims such as crashing into a ditch, scraping a guard rail, damaging your car on a curb, rolling your car and sideswiping another vehicle. Collision coverage makes up a good portion of your premium, so consider dropping it from older vehicles. Another option is to bump up the deductible to bring the cost down.

Comprehensive (Other than Collision)

Comprehensive insurance coverage covers damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive can pay for claims like a tree branch falling on your vehicle, hitting a bird and damage from a tornado or hurricane. The most your auto insurance company will pay is the actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Shop. Compare. Save.

Cheaper 1997 Oldsmobile Cutlass insurance can be found both online and with local insurance agents, and you should compare price quotes from both to have the best selection. Some insurance providers do not offer online quoting and many times these smaller companies only sell through independent insurance agents.

When shopping online for insurance, it’s a bad idea to buy poor coverage just to save money. There are a lot of situations where an accident victim reduced uninsured motorist or liability limits and found out when filing a claim that it was a big mistake. The aim is to find the BEST coverage at an affordable rate while not skimping on critical coverages.

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