Compare 1990 Oldsmobile Cutlass Supreme Insurance Rates

Are you tired of trying to scrape together enough money to insure your Oldsmobile every month? Your situation is no different than the majority of other car owners. Lots of car insurance companies contend for your business, so it’s not easy to compare every company and get the definite lowest cost out there.

Smart consumers take time to shop coverage around at least once a year since insurance rates go up and down regularly. Despite the fact that you may have had the lowest price for Cutlass Supreme insurance on your last policy you can probably find a lower rate today. There is a lot of bad advice regarding insurance coverage on the web, but by reading this article, you’re going to learn some proven techniques to quit paying high insurance coverage rates.

How to Buy Car Insurance Online

Effectively comparing car insurance prices can be exhausting if you don’t understand the easiest way. You can waste a lot of time discussing policy coverages with insurance agencies in your area, or you can stay home and use the internet to maximize your effort.

Most of the best insurance companies participate in an industry program that allows shoppers to submit their information once, and each participating company returns a rated price. This eliminates the need for quote requests for every car insurance company.

To participate in this free quote system, click to open in new window.

The only drawback to pricing coverage this way is that consumers can’t choose the insurers you will receive quotes from. So if you prefer to choose specific providers to request quotes from, we have assembled a list of companies who write car insurance in your area. Click here to view list.

It doesn’t matter which method you choose, just ensure you’re using apples-to-apples coverages with each company. If the quotes have differing limits then you won’t be able to find the best deal for your Oldsmobile Cutlass Supreme.

Save with discounts on 1990 Oldsmobile Cutlass Supreme insurance

The cost of insuring your cars can be expensive, but you may find discounts that many people don’t even know exist. Certain discounts will be triggered automatically at the time of purchase, but lesser-known reductions have to be inquired about before you will receive the discount. If you aren’t receiving every discount you deserve, you’re paying more than you need to.

  • Employee of Federal Government – Simply working for the federal government could cut as much as 10% off for Cutlass Supreme insurance with a few car insurance companies.
  • Senior Citizens – Older drivers can possibly qualify for better car insurance rates for Cutlass Supreme insurance.
  • Braking Control Discount – Cars that have steering control and anti-lock brakes can avoid accidents and will save you 10% or more.
  • Sign Online – Some insurance companies give back up to $50 for buying your policy over the internet.
  • Low Mileage Discounts – Driving fewer miles can earn better rates on cars that stay parked.
  • Passive Restraint Discount – Factory air bags or automatic seat belts can qualify for discounts of more than 20%.
  • Military Discounts – Being on active duty in the military could mean lower rates.
  • Seat Belt Usage – Drivers who require all occupants to use their safety belts can save up to 15% off the personal injury premium cost.

It’s important to note that most credits do not apply to all coverage premiums. Some only apply to individual premiums such as comprehensive or collision. So when the math indicates it’s possible to get free car insurance, you’re out of luck. Any qualifying discounts will help reduce the amount you have to pay.

Insurance companies who might offer some of the above discounts include:

Check with every prospective company how you can save money. Savings might not be offered in every state.

Tailor your coverage to you

When buying the best car insurance coverage, there really is no best way to insure your cars. Every insured’s situation is different and a cookie cutter policy won’t apply. For instance, these questions can help discover if you might need an agent’s assistance.

  • Do I need an umbrella policy?
  • What discounts do I qualify for?
  • Is my Oldsmobile Cutlass Supreme covered if I use it for business?
  • Should I have combined single limit or split liability limits?
  • Which companies will insure high-risk drivers?
  • Does my liability insurance cover pulling a trailer or camper?

If you’re not sure about those questions then you might want to talk to an agent. To find lower rates from a local agent, take a second and complete this form or click here for a list of car insurance companies in your area. It’s fast, doesn’t cost anything and you can get the answers you need.

Pieces of the Oldsmobile Cutlass Supreme insurance rate puzzle

An important part of buying insurance is that you know the different types of things that help determine insurance coverage rates. When you know what positively or negatively determines base rates helps enable you to make changes that may reward you with much lower annual insurance costs.

  • Optional equipment can affect rates – Choosing a vehicle that has an advanced theft prevention system can save you a little every year. Anti-theft features such as GM’s OnStar, tamper alarm systems and vehicle immobilizers can thwart car theft.
  • The more you drive the more you pay – The more miles you rack up on your Oldsmobile in a year’s time the more you’ll pay to insure your vehicle. The majority of insurers price each vehicle’s coverage determined by how the vehicle is used. Autos used primarily for pleasure use receive lower rates compared to those used for work or business. Double check that your insurance coverage policy is showing how each vehicle is driven, because improper ratings can cost you money. Incorrect usage on your Cutlass Supreme may be wasting your money.
  • Low deductibles can be expensive – Deductibles for physical damage define the amount you are required to spend before your insurance coverage pays a claim. Physical damage coverage, otherwise known as comp (or other than collision) and collision, protects your car from damage. Some instances where coverage would apply would be running into the backend of another car, damage caused by hail, or theft. The more money you are required to pay out-of-pocket, the less your insurance coverage will be for Cutlass Supreme insurance.
  • Do men or women drive better? – Statistics show that men are more aggressive behind the wheel. However, don’t assume that men are worse drivers. Men and women tend to get into accidents in similar numbers, but men cause more damage and cost insurance companies more money. Men also get more serious tickets such as reckless driving.

Coverage specifics

Having a good grasp of your auto insurance policy helps when choosing the right coverages and the correct deductibles and limits. Auto insurance terms can be impossible to understand and reading a policy is terribly boring. Shown next are typical coverage types found on most auto insurance policies.

Coverage for medical payments

Med pay and PIP coverage reimburse you for bills for funeral costs, prosthetic devices, X-ray expenses and ambulance fees. They can be used to fill the gap from your health insurance program or if you are not covered by health insurance. Coverage applies to both the driver and occupants and also covers if you are hit as a while walking down the street. Personal injury protection coverage is only offered in select states and may carry a deductible

Liability auto insurance

Liability insurance protects you from damage or injury you incur to a person or their property by causing an accident. This insurance protects YOU from legal claims by others, and doesn’t cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see limits of 25/50/25 that translate to $25,000 in coverage for each person’s injuries, $50,000 for the entire accident, and property damage coverage for $25,000. Another option is 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 repair bills for other people’s vehicles, medical expenses and legal defense fees. How much coverage you buy is up to you, but consider buying as high a limit as you can afford.

Coverage for collisions

Collision insurance pays for damage to your Cutlass Supreme from colliding with another car or object. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage protects against things such as hitting a mailbox, damaging your car on a curb and rolling your car. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are older. Drivers also have the option to increase the deductible in order to get cheaper collision rates.

Comprehensive coverages

This pays for damage from a wide range of events other than collision. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things like a broken windshield, damage from getting keyed and rock chips in glass. The maximum amount you’ll receive from a claim is the cash value of the vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

Uninsured and underinsured coverage

This gives you protection when the “other guys” either are underinsured or have no liability coverage at all. Covered claims include hospital bills for your injuries as well as your vehicle’s damage.

Since a lot of drivers only purchase the least amount of liability that is required, their limits can quickly be used up. This is the reason having UM/UIM coverage is very important. Frequently these coverages are identical to your policy’s liability coverage.

Stretch your dollar

We just covered a lot of tips how to reduce 1990 Oldsmobile Cutlass Supreme insurance prices online. The most important thing to understand is the more you quote, the higher the chance of saving money. Drivers may discover the best price on insurance coverage is with the least-expected company. Some small companies may cover specific market segments cheaper compared to the large companies like Allstate, Geico and Progressive.

Discount insurance is attainable on the web and with local insurance agents, and you should be comparing both to get a complete price analysis. Some companies do not offer online price quotes and these small insurance companies work with independent agents.

Additional information can be read at these links: