Compare 1992 Oldsmobile Cutlass Supreme Insurance Cost

Are you a victim of overpriced auto insurance? Believe me when I say many consumers are feeling buyer’s remorse and feel like there’s no way out.

Companies like Geico, Farmers Insurance and State Farm all claim big savings with ad campaigns and consumers find it hard to ignore the promise of big savings and do the work needed to find the best deal.

If you have car insurance now, you will be able to lower your premiums substantially using this information. Choosing the best insurance company for you is not that difficult. But vehicle owners must comprehend how the larger insurance companies determine prices because it can help you find the best coverage.

The most recommended method to compare insurance rates in your area is to understand most insurance companies participate in a system to provide you with a free rate quote. All consumers are required to do is provide a small amount of information including if a SR-22 is required, the ages of drivers, deductibles desired, and your credit rating estimate. Your details is instantly provided to multiple top-rated companies and you get price estimates quickly.

To compare rates for your 1992 Oldsmobile Cutlass Supreme now, click here and enter your coverage details.

Insurance coverage companies offer many types of discounts

Companies that sell car insurance don’t necessarily list every possible discount in an easy-to-find place, so the following list contains a few of the more well known in addition to some of the lesser obvious discounts that you can inquire about if you buy auto insurance online.

  • Discounts for Good Drivers – Insureds without accidents can get discounts for up to 45% lower rates for Cutlass Supreme coverage compared to rates paid by drivers with frequent claims.
  • Bundled Policy Discount – If you have multiple policies with one company you may earn approximately 10% to 15%.
  • Auto/Life Discount – If the company offers life insurance, you could get a small discount if you purchase life insurance.
  • New Vehicle Savings – Buying a new car instead of a used car can be considerably cheaper compared to insuring an older model.
  • Driver Safety – Passing a course teaching defensive driving skills is a good idea and can lower rates and make you a better driver.
  • Student Discounts – This discount can be rewarded with saving of up to 25%. Earning this discount can benefit you well after school through age 25.
  • Early Switch Discount – A few companies give discounts for switching companies before your current coverage expires. This discount can save up to 10%.

As is typical with insurance, most discounts do not apply to the entire cost. Some only apply to specific coverage prices like collision or personal injury protection. So even though it sounds like you would end up receiving a 100% discount, companies don’t profit that way.

Companies that may have these benefits include:

Before buying, ask each company or agent to apply every possible discount. Some of the earlier mentioned discounts might not apply in your area. For a list of insurance companies that have a full spectrum of discounts, click here to view.

Do I just need basic coverages?

When it comes to choosing adequate coverage, there really is no “perfect” insurance plan. Coverage needs to be tailored to your specific needs so your insurance should reflect that For instance, these questions can help discover whether your personal situation might need professional guidance.

  • Do I have coverage when pulling a U-Haul trailer?
  • When can I cancel my policy?
  • Am I covered if I hit my neighbor’s mailbox?
  • Does my car insurance cover rental cars?
  • What is PIP insurance?
  • Am I covered when driving in Canada or Mexico?
  • How much can I save by bundling my policies?

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 an insurance agent. To find lower rates from a local agent, fill out this quick form or go to this page to view a list of companies.

Detailed coverages of your insurance policy

Having a good grasp of a insurance policy can be of help when determining the best coverages at the best deductibles and correct limits. Insurance terms can be impossible to understand and even agents have difficulty translating policy wording. Listed below are the normal coverages available from insurance companies.

Uninsured or underinsured coverage

Your UM/UIM coverage provides protection when the “other guys” are uninsured or don’t have enough coverage. Covered claims include injuries to you and your family and damage to your Oldsmobile Cutlass Supreme.

Since a lot of drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. So UM/UIM coverage is a good idea. Usually the UM/UIM limits are set the same as your liablity limits.

Comprehensive protection

Comprehensive insurance coverage pays for damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things like a tree branch falling on your vehicle, falling objects, vandalism and hitting a bird. The most you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Collision coverage

Collision coverage pays for damage to your Cutlass Supreme from colliding with another car or object. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims like rolling your car, crashing into a building, scraping a guard rail and sustaining damage from a pot hole. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are older. It’s also possible to choose a higher deductible in order to get cheaper collision rates.

Liability auto insurance

Liability insurance will cover injuries or damage you cause to a person or their property that is your fault. This insurance protects YOU against claims from other people, and doesn’t cover damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You might see limits of 100/300/100 that means you have a $100,000 limit per person for injuries, a total of $300,000 of bodily injury coverage per accident, and $100,000 of coverage for damaged propery. Another option is a combined limit which provides one coverage limit and claims can be made without the split limit restrictions.

Liability coverage protects against things like medical expenses, loss of income and attorney fees. How much liability coverage do you need? That is your choice, but consider buying higher limits if possible.

Medical expense coverage

Medical payments and Personal Injury Protection insurance pay for immediate expenses for nursing services, surgery and rehabilitation expenses. They are used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. They cover both the driver and occupants as well as 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

Comments About 1992 Oldsmobile Cutlass Supreme Insurance

  1. Nathalie Craig

    I’m in the west part of Aberdeen, SD. Got car insurance quotes with Mercury, Encompass, 21st Century, and Amica for my 1992 Oldsmobile Cutlass Supreme and I think I cut my rates about $20 each month. Insured with Erie before. Switched homeowners coverage too. Still almost need a second mortgage. Book value doesn’t justify full coverage anymore.

  2. Annette Whitaker

    I found cheap 1992 Oldsmobile Cutlass Supreme insurance in Owensboro, KY with GEICO.

  3. Natasha Bender

    Live in the northern part of Houston, Texas. Went online for free insurance quotes for a 1992 Oldsmobile Cutlass Supreme. Ended up at about $90 savings annually. Went with GEICO. I have kids on my policy, too. Just waiting to see how claims go.

  4. Macy Chase

    Lifelong resident of South Burlington, Vermont. Not sure of all the companies but I ended up saving about $30 each month.

  5. Lola Lynn

    From a town just southwest of Nampa, Idaho. Quoted prices from Progressive, Liberty Mutual, and Farmers for my Cutlass Supreme and I think I cut my rates about $30 each month. Even increased coverage a bit. Not sure about claim service. I think I’ll get rid of full coverage next time.

  6. Joannie Mccray

    1992 Oldsmobile Cutlass Supreme + 21st Century = CHEAP! At least inKentucky anyway.

  7. Marta Graham

    From northwest of Wichita, KS. Checked online prices for a 1992 Oldsmobile Cutlass Supreme. Ended up at about $90 savings annually. Went with State Farm. Was with Western Auto Insurance. I get lower rates because of my clean driving record.

  8. Mark Conley

    I switched to Allstate. Quoted good rates in Memphis, TN. A clean driving record helps. It’s too old for full coverage.

  9. Felicitas Hull

    For me, 21st Century was by far the cheapest in Cleveland, OH.

  10. Sharri Ford

    Found cheapest coverage with Encompass for my Oldsmobile and saved around $100 a year. Good multi-policy discounts. I used their website to get prices. I think I’ll get rid of full coverage next time.

  11. Yung Bradley

    Affordable car insurance is a myth. From Baton Rouge, LA. Went online for free insurance quotes for a 1992 Oldsmobile Cutlass Supreme. Ended up at about $120 savings annually. Went with Progressive. It’s still not cheap enough. It’s only liability tho.