1997 Oldsmobile Cutlass Supreme Insurance Cost – 9 Tips to Save

Are you intimidated by the dozens of auto insurance companies? You’re not alone. Drivers have so many options available that it can easily become more work than you anticipated to find the best price.

Smart consumers take time to shop coverage around yearly because rates tend to go up over time. If you had the lowest price for Cutlass Supreme insurance a couple years back there may be better deals available now. So block out anything you think you know about auto insurance because you’re going to learn the things you must know in order to save money, get proper coverage and the best rates.

Lower rates by qualifying for these nine discounts

The price of auto insurance can be rather high, buy you may qualify for discounts to reduce the price significantly. Most are applied at the time of purchase, but some may not be applied and must be asked for before you will receive the discount.

  • Drive Less and Save – Fewer annual miles on your Oldsmobile could be rewarded with better rates on cars that stay parked.
  • Air Bag Discount – Factory air bags or motorized seat belts may earn rate discounts of more than 20%.
  • No Charge for an Accident – A few companies will forgive one accident without raising rates if you are claim-free for a particular time prior to the accident.
  • Driver’s Ed – Have your child complete a driver education course if offered at their school.
  • Braking Control Discount – Vehicles with anti-lock braking systems are safer to drive and qualify for as much as a 10% discount.
  • Multi-car Discount – Having more than one vehicle on one policy can get a discount on all vehicles.
  • New Car Discount – Insuring a new car can cost up to 25% less since new cars are generally safer.
  • Sign Online – Some insurance companies will discount your bill up to fifty bucks just for signing your application online.
  • Seat Belts Save – Drivers who require all occupants to wear their seat belts can save up to 15% off your medical payments premium.

Drivers should understand that most discounts do not apply to the overall cost of the policy. The majority will only reduce the price of certain insurance coverages like liability and collision coverage. Just because it seems like having all the discounts means you get insurance for free, it just doesn’t work that way. Any qualifying discounts will bring down your premiums.

To see a list of companies with the best car insurance discounts, click this link.

Car insurance is unique, just like you

When it comes to choosing adequate coverage, there is no cookie cutter policy. Your needs are not the same as everyone else’s.

For instance, these questions may help you determine if your insurance needs would benefit from professional advice.

  • Is pleasure use cheaper than using my 1997 Oldsmobile Cutlass Supreme to commute?
  • Should I bundle my homeowners policy with my auto?
  • Am I covered if I hit my neighbor’s mailbox?
  • Will filing a claim cost me more?
  • Do I get a pro-rated refund if I cancel my policy early?
  • Do I need special endorsements for business use of my vehicle?
  • Why am I be forced to buy a membership to get insurance from some companies?
  • Do I need PIP (personal injury protection) coverage in my state?
  • Is my nanny covered when driving my vehicle?
  • Does liability extend to a camper or trailer?

If it’s difficult to answer those questions, you may need to chat with a licensed insurance agent. To find an agent in your area, simply complete this short form.

Coverages available on your insurance policy

Understanding the coverages of insurance aids in choosing the best coverages and the correct deductibles and limits. Policy terminology can be difficult to understand and coverage can change by endorsement.

Medical expense coverage

Medical payments and Personal Injury Protection insurance kick in for short-term medical expenses for things like hospital visits, dental work, X-ray expenses and ambulance fees. They are used in conjunction with a health insurance program or if you do not have health coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants in addition to any family member struck as a pedestrian. PIP coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Uninsured or underinsured coverage

Your UM/UIM coverage gives you protection from other motorists when they do not carry enough liability coverage. This coverage pays for injuries sustained by your vehicle’s occupants as well as damage to your Oldsmobile Cutlass Supreme.

Since a lot of drivers only purchase the least amount of liability that is required, their limits can quickly be used up. For this reason, having high UM/UIM coverages should not be overlooked. Most of the time these coverages are set the same as your liablity limits.

Coverage for collisions

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

Collision insurance covers things such as rolling your car, crashing into a building, sustaining damage from a pot hole, damaging your car on a curb and hitting a parking meter. This coverage can be expensive, so you might think about dropping it from vehicles that are older. You can also increase the deductible to get cheaper collision coverage.

Comprehensive protection

Comprehensive insurance pays to fix your vehicle from damage from a wide range of events other than collision. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims like hail damage, falling objects, damage from getting keyed and a broken windshield. The most you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Auto liability insurance

Liability coverage protects you from damage or injury you incur to other people or property that is your fault. It protects YOU from legal claims by others, and does not provide coverage for your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly 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 insurance covers claims like funeral expenses, loss of income, attorney fees and bail bonds. How much liability coverage do you need? That is a personal decision, but consider buying higher limits if possible.

You can do this!

Lower-priced 1997 Oldsmobile Cutlass Supreme insurance is available online and also from your neighborhood agents, so you should compare both in order to have the best price selection to choose from. Some insurance companies may not provide online quoting and many times these regional insurance providers only sell through independent insurance agents.

We’ve covered a lot of tips how to save on insurance. It’s most important to understand that the more providers you compare, the better your chances of lowering your rates. You may even discover the biggest savings come from the smaller companies.

As you go through the steps to switch your coverage, don’t be tempted to skimp on coverage in order to save money. In too many instances, someone sacrificed physical damage coverage and found out when filing a claim that the small savings ended up costing them much more. The proper strategy is to purchase a proper amount of coverage at a price you can afford, not the least amount of coverage.

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