1991 Oldsmobile Cutlass Supreme Car Insurance Rates – 8 Discounts for Best Quotes

There isn’t anyone who fancies paying their premiums for insurance, in particular when it costs too dang much.

Multiple car insurance companies compete for your hard-earned dollar, so it’s not easy to compare every provider to find the best rates possible.

It’s a good idea to check insurance prices periodically because insurance prices change regularly. Just because you found the best rate on Cutlass Supreme insurance a year ago you can probably find a better premium rate now. Block out anything you think you know about insurance because you’re going to get a crash course in the fastest and easiest way to lower your annual insurance bill.

Use discounts on auto insurance

Not too many consumers would say auto insurance is affordable, but there are discounts available that could help you make your next renewal payment. A few discounts will be applied when you quote, but less common discounts must be inquired about before you will receive the discount.

• More Vehicles More Savings – Buying insurance for multiple vehicles on the same auto insurance policy can reduce the rates for all insured vehicles.
• Claim Free – Claim-free drivers pay less in comparison to accident-prone drivers.
• Homeowners Savings – Just owning your own home can save a few bucks since home ownership is proof that your finances are in order.
• Accident Waiver – This one is not really a discount per se, but a handful of insurance companies will forgive one accident before they charge you more for coverage if you are claim-free for a specific time period.
• Senior Citizen Discount – Seniors are able to get a discount up to 10% on Cutlass Supreme insurance.
• E-sign – A handful of companies will give a small break shop insurance coverage on the internet.
• Switch and Save Discount – A few companies give discounts for signing up early. It could save around 10% when you buy insurance coverage online.
• Employee of Federal Government – Active or former government employment may qualify for a discount when you quote insurance coverage on Cutlass Supreme insurance with some auto insurance companies.

One last thing about discounts, many deductions do not apply to the overall cost of the policy. Some only apply to individual premiums such as collision or personal injury protection. Just because it seems like you can get free auto insurance, it’s just not the way it works.

Popular auto insurance companies and their offered discounts are:

• State Farm has discounts for student away at school, good student, driver’s education, Steer Clear safe driver discount, safe vehicle, and accident-free.
• American Family offers discounts including good driver, Steer into Savings, TimeAway discount, early bird, mySafetyValet, and air bags.
• Geico may include discounts for five-year accident-free, multi-vehicle, daytime running lights, defensive driver, military active duty, and air bags.
• 21st Century discounts include student driver, homeowners, theft prevention, anti-lock brakes, air bags, automatic seat belts, and teen driver.
• Progressive may offer discounts for good student, online signing, multi-policy, homeowner, online quote discount, and continuous coverage.

If you are trying to find affordable insurance coverage quotes, ask each insurance company how you can save money. Savings may not apply to policyholders in your state. To find companies who offer auto insurance discounts, click here.

Tailor your car insurance coverage to you

When buying adequate coverage, there really is not a one size fits all plan. Coverage needs to be tailored to your specific needs and a cookie cutter policy won’t apply. Here are some questions about coverages that can help discover if you may require specific advice.

• Is other people’s property covered if stolen from my vehicle?
• What if I don’t agree with a claim settlement offer?
• Does my policy cover my teen driver if they drive my company car?
• How much liability insurance is required?
• What companies insure drivers after a DUI or DWI?
• Should I buy additional glass protection?
• Can I rent a car in Mexico?
• Am I getting all the discounts available?
• Can I drive in Mexico and have coverage?
• What is an SR-22 filing?

If you’re not sure about those questions but you think they might apply to your situation, you might consider talking to a licensed agent. If you want to speak to an agent in your area, fill out this quick form or you can also visit this page to select a carrier

Insurance coverages and their meanings

Learning about specific coverages of a insurance policy helps when choosing the right coverages and the correct deductibles and limits. The coverage terms in a policy can be difficult to understand and even agents have difficulty translating policy wording. Shown next are the usual coverages offered by insurance companies.

Comprehensive or Other Than Collision – This 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 can pay for things like rock chips in glass, damage from flooding, damage from getting keyed, a tree branch falling on your vehicle and fire damage. The most your insurance company will pay is the ACV or actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Medical costs insurance – Personal Injury Protection (PIP) and medical payments coverage reimburse you for expenses such as funeral costs, prosthetic devices and X-ray expenses. They are often used to fill the gap from your health insurance program or if you are not covered by health insurance. Medical payments and PIP cover not only the driver but also the vehicle occupants and will also cover being hit by a car walking across the street. Personal Injury Protection is only offered in select states and may carry a deductible

Liability – This coverage can cover damages or injuries you inflict on other people or property that is your fault. Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. As an example, you may have values of 25/50/25 which means a limit of $25,000 per injured person, a limit of $50,000 in injury protection per accident, and a total limit of $25,000 for damage to vehicles and property. Alternatively, you may have one number which is a combined single limit which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability coverage pays for things such as medical services, repair bills for other people’s vehicles and emergency aid. How much coverage you buy is a decision to put some thought into, but buy higher limits if possible.

UM/UIM Coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when the “other guys” either have no liability insurance or not enough. It can pay for hospital bills for your injuries as well as your vehicle’s damage.

Due to the fact that many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is important protection for you and your family. Usually these limits are identical to your policy’s liability coverage.

Collision coverages – Collision coverage pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for things such as damaging your car on a curb, hitting a parking meter and crashing into a ditch. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are older. It’s also possible to bump up the deductible to bring the cost down.

Summing up your insurance search

There are still a few companies who may not offer online quoting and these smaller providers provide coverage only through independent agents. Lower-priced insurance can be bought from both online companies as well as from insurance agents, and you should be comparing both to have the best rate selection.

When trying to cut insurance costs, never skimp on critical coverages to save a buck or two. In too many instances, consumers will sacrifice full coverage only to find out that the few dollars in savings costed them thousands. Your objective should be to get the best coverage possible at the best cost, not the least amount of coverage.

To read more, feel free to visit the articles below:

• Understanding Your Insurance Deductible (Insurance Information Insitute)
• A Tree Fell on Your Car: Now What? (Allstate)
• Teen Driving and Texting (State Farm)
• What is Full Coverage? (Allstate)
• Child Safety FAQ (iihs.org)