How Much Does 1996 Oldsmobile Cutlass Supreme Car Insurance Cost?

Finding lower premiums on auto insurance is always challenging for consumers not familiar with buying insurance online. People have so many options available that it can quickly become a challenge to compare prices.

Car Insurance Prices

Effectively comparing car insurance prices can take time and effort if you don’t know the fastest way to get free quotes. You could waste a few hours talking to insurance agencies in your area, or you can stay home and use online quotes to achieve your goal.

Most of the larger companies enroll in a system where insurance shoppers submit their information once, and every company returns a competitive quote for coverage. This prevents consumers from doing quotation requests for every car insurance company. To enter your information into the quoting system, click here to start a free quote.

One minor caviat to doing it this way is you cannot specify which insurance companies you want to price. If you wish to select from a list of companies to compare, we have a listing of the cheapest car insurance companies in your area. View list of insurance companies.

It doesn’t matter which method you choose, just make darn sure you compare exactly the same coverage information with every price quote. If you use mixed coverages it will be next to impossible to find the best deal for your Oldsmobile Cutlass Supreme. Having just a slight variation in insurance coverages can result in a big premium difference. Just remember that comparing more company’s prices helps locate lower pricing.

Are you getting all your discounts?

Companies offering auto insurance don’t always publicize all their discounts in an easy-to-find place, so we break down both well-publicized and the more hidden discounts you could be receiving.

  • Clubs and Organizations – Participating in a civic or occupational organization could qualify you for a break when shopping for insurance for Cutlass Supreme insurance.
  • Sign Early and Save – Select companies give a discount for buying a policy before your current policy expires. It can save you around 10%.
  • One Accident Forgiven – A handful of insurance companies will forgive one accident without raising rates so long as you haven’t had any claims for a certain period of time.
  • Student in College – Children living away from home attending college without a vehicle on campus may qualify for this discount.
  • Auto/Life Discount – Some companies give better rates if you take out a life insurance policy as well.
  • Government Employees – Active or retired federal employment can save as much as 8% for Cutlass Supreme insurance with certain companies.
  • Military Discounts – Being on active duty in the military can result in better rates.
  • Anti-lock Brakes – Vehicles with anti-lock braking systems can reduce accidents and earn discounts up to 10%.
  • Drivers Ed for Students – Require your teen driver to complete a driver education course if it’s offered in school.

A little note about advertised discounts, many deductions do not apply to the entire policy premium. Most only cut the price of certain insurance coverages like liability, collision or medical payments. So when the math indicates having all the discounts means you get insurance for free, it just doesn’t work that way.

For a list of insurers with the best insurance discounts, click here to view.

Complexity of Oldsmobile Cutlass Supreme insurance rates

An important part of buying insurance is that you know the rating factors that help determine auto insurance rates. Having a good understanding of what controls the rates you pay helps enable you to make changes that may reward you with big savings.

  • Traffic violations increase rates – Your driving record has a huge affect on how much you pay. Even a single citation can boost insurance rates by twenty percent. Careful drivers receive lower rates compared to drivers with tickets. Drivers who get flagrant violations like reckless driving, hit and run or driving under the influence may be required to submit a SR-22 or proof of financial responsibility with the DMV in their state in order to keep their license.
  • Being married can save on auto insurance – Having a spouse helps lower the price on auto insurance. Marriage is viewed as being more mature and statistics show drivers who are married are more cautious.
  • Better credit means lower rates – Having a bad credit rating is a big factor in determining what you pay for auto insurance. Consumers who have good credit tend to be less risk to insure than drivers who have lower credit ratings. Therefore, if your credit rating can use some improvement, you could be paying less to insure your 1996 Oldsmobile Cutlass Supreme by improving your credit score.
  • Drive less and save money – The more you drive in a year’s time the higher your rates will be. The majority of insurers apply a rate based upon how you use the vehicle. Vehicles left parked in the garage qualify for better rates as compared to vehicles used primarily for driving to work. If your policy improperly rates your Cutlass Supreme may be costing you. Make sure your auto insurance policy is showing the correct driver usage.
  • Never go without insurance – Driving with no insurance is against the law and you will pay a penalty because you let your coverage have a gap. Not only will you pay more, getting caught without coverage might get you a license revocation or jail time.
  • Protect your assets with liability insurance – The liability section of your policy will protect you if ever you are found to be at fault for damages caused by your negligence. It will provide you with a defense in court starting from day one. This coverage is very inexpensive compared to insuring for physical damage coverage, so do not skimp.
  • How your age affects price – Mature drivers tend to be more responsible, statistically cause fewer accidents and receive fewer citations. Teen drivers have a tendency to be less responsible in a vehicle and because of this, their auto insurance rates are much higher.

When might I need an agent?

When it comes to choosing coverage, there really is no best way to insure your cars. Everyone’s situation is a little different.

For instance, these questions may help highlight if your insurance needs may require specific advice.

  • How much underlying liability do I need for an umbrella policy?
  • Does coverage extend to Mexico or Canada?
  • What is high-risk coverage and where do I buy it?
  • Is extra glass coverage worth it?
  • Will I be non-renewed for getting a DUI or other conviction?
  • Do I need added coverage for expensive stereo equipment?
  • Where can I find DUI or SR-22 insurance?
  • What are the financial responsibility laws in my state?
  • Does my policy pay for OEM or aftermarket parts?
  • Do I have coverage when pulling a U-Haul trailer?

If you don’t know the answers to these questions but a few of them apply, then you may want to think about talking to a licensed agent. To find an agent in your area, simply complete this short form.

Insurance coverage considerations

Learning about specific coverages of your insurance policy aids in choosing appropriate coverage and the correct deductibles and limits. Insurance terms can be difficult to understand and even agents have difficulty translating policy wording.

Comprehensive insurance

Comprehensive insurance coverage pays to fix your vehicle from damage that is not covered by collision coverage. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things such as vandalism, falling objects, a tree branch falling on your vehicle and fire damage. The most a insurance company will pay at claim time is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Med pay and Personal Injury Protection (PIP)

Medical payments and Personal Injury Protection insurance reimburse you for bills such as nursing services, EMT expenses and hospital visits. They can be used in conjunction with a health insurance program or if you are not covered by health insurance. It covers both the driver and occupants as well as any family member struck as a pedestrian. Personal injury protection coverage is only offered in select states and may carry a deductible

Coverage for collisions

Collision coverage pays for damage to your Cutlass Supreme from colliding with another car or object. You first must pay a deductible then your collision coverage will kick in.

Collision coverage pays for claims such as rolling your car, scraping a guard rail, colliding with a tree and driving through your garage door. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are 8 years or older. Another option is to choose a higher deductible to bring the cost down.

Liability coverages

This protects you from damages or injuries you inflict on a person or their property by causing an accident. It protects you from legal claims by others. It does not cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see liability limits of 25/50/25 which stand for $25,000 bodily injury coverage, $50,000 for the entire accident, and a total limit of $25,000 for damage to vehicles and property.

Liability coverage protects against things such as emergency aid, bail bonds, repair bills for other people’s vehicles, loss of income and legal defense fees. The amount of liability coverage you purchase is a personal decision, but consider buying as much as you can afford.

Uninsured/Underinsured Motorist (UM/UIM)

Your UM/UIM coverage protects you and your vehicle’s occupants from other drivers when they are uninsured or don’t have enough coverage. It can pay for medical payments for you and your occupants and damage to your Oldsmobile Cutlass Supreme.

Because many people only carry the minimum required liability limits, their limits can quickly be used up. So UM/UIM coverage is a good idea.

The bottom line

In this article, we presented many tips how you can lower your 1996 Oldsmobile Cutlass Supreme insurance rates. It’s most important to understand that the more providers you compare, the better likelihood of reducing your rate. You may be surprised to find that the best price on auto insurance is with some of the lesser-known companies.

As you prepare to switch companies, it’s a bad idea to reduce needed coverages to save money. There are many occasions where an accident victim reduced full coverage only to regret at claim time that they should have had better coverage. The proper strategy is to find the BEST coverage at a price you can afford.

Drivers change insurance companies for a number of reasons such as being labeled a high risk driver, denial of a claim, poor customer service or even an unsatisfactory settlement offer. Regardless of your reason, finding a great new company can be less work than you think.

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