Lower Your 1993 Oldsmobile Cutlass Supreme Insurance Quotes

I can’t think of a single person who enjoys paying for auto insurance, particularly when their premiums are too high. Numerous auto insurance companies battle for your business, and because of this it can be hard to compare car insurance companies and uncover the absolute cheapest price

If you have a current car insurance policy or are looking for a new policy, you can learn to find the best rates while maximizing coverage. Finding affordable coverage is not rocket science. Drivers just need to understand the best way to compare company rates over the internet.

Do you qualify for discounts?

The price of auto insurance can be rather high, but you can get discounts to help bring down the price. Some discounts apply automatically at quote time, but less common discounts must be manually applied before you get the savings. If you don’t get every credit available, you are paying more than you should be.

  • Driver’s Ed – Have your child enroll in driver’s education if it’s offered in school.
  • Military Rewards – Being on active duty in the military could be rewarded with lower premiums.
  • Passive Restraints and Air Bags – Cars that have air bags or motorized seat belts can qualify for discounts up to 30%.
  • Paperless Signup – A few companies will discount your bill up to fifty bucks simply for signing digitally online.
  • Homeowners Discount – Simply owning a home may earn you a small savings because maintaining a house is proof that your finances are in order.

Keep in mind that most discount credits are not given to your bottom line cost. Some only apply to the price of certain insurance coverages like collision or personal injury protection. So despite the fact that it appears all those discounts means the company will pay you, you’re out of luck. Any amount of discount will help reduce your overall premium however.

Insurance companies that possibly offer these money-saving discounts are:

Before buying, ask each insurance company which discounts you may be entitled to. All car insurance discounts may not be available in your area.

Compare the Market for Car Insurance

There are multiple methods to compare 1993 Oldsmobile Cutlass Supreme car insurance prices but some are less time-consuming than others. You could waste time discussing policy coverages with agents in your area, or you can utilize the internet to achieve your goal.

All the larger companies are enrolled in a marketplace where insurance shoppers enter their coverage request one time, and each participating company then returns a price quote. This system prevents you from having to do form submissions for every car insurance company. To access this free quoting program, click here to start a free quote.

The single downside to using this type of system is that consumers can’t choose the insurers to receive prices from. So if you want to select specific providers to compare prices, we put together a list of low cost car insurance companies in your area. Click here for list of insurance companies.

It doesn’t matter which method you choose, just ensure you’re using identical information on every quote. If the quotes have different values for each quote you can’t possibly decipher which rate is best.

Don’t assume everyone needs the same coverage

When it comes to choosing the best auto insurance coverage, there is no one size fits all plan. Everyone’s situation is a little different so your insurance needs to address that. Here are some questions about coverages that can help discover if you might need professional guidance.

  • Does my personal policy cover me when driving out-of-state?
  • Is pleasure use cheaper than using my 1993 Oldsmobile Cutlass Supreme to commute?
  • How much liability insurance is required?
  • Do I need replacement cost coverage on my 1993 Oldsmobile Cutlass Supreme?
  • Should I have combined single limit or split liability limits?
  • Why am I required to buy liability insurance?
  • Why does it cost so much to insure a teen driver?

If you’re not sure about those questions but you think they might apply to your situation, you might consider talking to an insurance agent. If you want to speak to an agent in your area, 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.

Insurance coverages and their meanings

Knowing the specifics of your policy aids in choosing which coverages you need and the correct deductibles and limits. Insurance terms can be impossible to understand and reading a policy is terribly boring. Shown next are typical coverages available from insurance companies.

Medical expense insurance – Medical payments and Personal Injury Protection insurance reimburse you for immediate expenses for doctor visits, rehabilitation expenses, pain medications, chiropractic care and surgery. They are used in conjunction with a health insurance plan or if you are not covered by health insurance. Coverage applies to you and your occupants and will also cover any family member struck as a pedestrian. Personal injury protection coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Protection from uninsured/underinsured drivers – Your UM/UIM coverage provides protection from other drivers when they are uninsured or don’t have enough coverage. This coverage pays for injuries to you and your family and damage to your 1993 Oldsmobile Cutlass Supreme.

Due to the fact that many drivers carry very low liability coverage limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Most of the time these limits are similar to your liability insurance amounts.

Comprehensive (Other than Collision) – Comprehensive insurance pays for damage OTHER than collision with another vehicle or object. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims such as a broken windshield, hail damage, rock chips in glass, hitting a bird and vandalism. The maximum amount you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Auto liability insurance – This coverage protects you from damage or injury you incur to other’s property or people. It protects you from claims by other people. Liability doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. Your policy might show values of 50/100/50 which stand for a limit of $50,000 per injured person, $100,000 for the entire accident, and $50,000 of coverage for damaged propery. Alternatively, you may have one limit called combined single limit (CSL) that pays claims from the same limit rather than limiting it on a per person basis.

Liability can pay for claims like loss of income, medical services and legal defense fees. The amount of liability coverage you purchase is a decision to put some thought into, but you should buy as large an amount as possible.

Collision coverages – This coverage covers damage to your Cutlass Supreme resulting from colliding with an object or car. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage protects against things such as hitting a parking meter, colliding with a tree and backing into a parked car. This coverage can be expensive, so analyze the benefit of dropping coverage from older vehicles. Drivers also have the option to raise the deductible in order to get cheaper collision rates.

A penny saved is a penny earned

You just read a lot of information how to save on 1993 Oldsmobile Cutlass Supreme insurance. It’s most important to understand that the more rate quotes you have, the more likely it is that you will get a better rate. You may even find the best prices are with an unexpected company. These smaller insurers often have lower prices on specific markets as compared to the big name companies such as Allstate, Geico and Progressive.

Cheap insurance can be sourced on the web as well as from independent agents, and you should be comparing both so you have a total pricing picture. There are still a few companies who don’t offer you the ability to get quotes online and most of the time these small, regional companies sell through independent agents.

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