Compare 1994 Oldsmobile Cutlass Supreme Insurance Quotes

There isn’t a single person who likes buying insurance coverage, especially when they are aware that they could get a better deal. Many insurance companies compete for your insurance dollar, and because of this it can be hard to compare insurers and uncover the absolute lowest cost out there.

You should make it a habit to do price comparisons quite often due to the fact that insurance prices trend upward over time. If you had the lowest rates for Cutlass Supreme coverage six months ago you will most likely find a better rate quote today. Forget all the misinformation about insurance coverage because you’re about to learn the things you must know in order to buy cheaper insurance coverage.

If you have a current auto insurance policy or are looking for a new policy, you can use these techniques to get lower rates while maintaining coverages. Finding affordable coverage is quite easy. Consumers only need to know the tricks to buy auto insurance online.

More discounts mean cheaper premiums

Some insurers don’t always list every available discount in an easy-to-find place, so we took the time to find some of the more common and also the more inconspicuous discounts that you may qualify for.

• Multi-Vehicle Discounts – Drivers who insure more than one vehicle on one policy can get a discount on all vehicles.
• Payment Method – By making one initial payment instead of making monthly payments you could save up to 5%.
• Driver’s Ed – Teen drivers should successfully complete driver’s ed class as it will make them better drivers and lower rates.
• Sign Online – A few larger online companies will provide an incentive just for signing your application over the internet.
• Lower Rates for Military – Having a deployed family member could qualify you for better premium rates.
• Renewal Discounts – Some insurance companies give discounts for renewing your policy prior to your current policy expiring. This discount can save up to 10%.
• Accident Waiver – Not really a discount, but some companies like State Farm and Progressive may permit one accident before they charge you more for coverage so long as you are claim-free prior to being involved in the accident.
• Low Mileage Discounts – Keeping the miles down on your Oldsmobile can qualify you for substantially lower prices.
• Multi-policy Discount – If you have multiple policies with the same insurance company you may save 10% to 20% off each policy.

You can save money using discounts, but most credits do not apply to all coverage premiums. Most only reduce the price of certain insurance coverages like collision or personal injury protection. So when the math indicates all the discounts add up to a free policy, insurance companies wouldn’t stay in business. Any amount of discount will lower the amount you pay for coverage.

Car insurance companies that may offer these discounts include:

• State Farm
• Nationwide
• Geico
• AAA
• 21st Century
• The Hartford

Before you buy a policy, ask every company which discounts can lower your rates. Depending on the company, some discounts may not apply in your area. If you would like to see a list of providers with discount rates, click here.

It’s not one size fits all

When choosing proper insurance coverage for your personal vehicles, there really is not a “perfect” insurance plan. Your needs are not the same as everyone else’s so your insurance should reflect that For example, these questions can aid in determining if you might need an agent’s assistance.

• When can my company non-renew my policy?
• Do I have coverage when making deliveries for my home business?
• Do I need special endorsements for business use of my vehicle?
• Should I bundle my homeowners policy with my auto?
• Is my business laptop covered if it gets stolen from my vehicle?
• Which is better, split liability limits or combined limits?
• When should I not file a claim?
• Can I afford to pay high deductible claims out of pocket?
• Is a fancy paint job covered?

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 agent. To find lower rates from a local agent, take a second and complete this form or click here for a list of auto insurance companies in your area. It is quick, free and may give you better protection.

Auto insurance coverages explained

Having a good grasp of your auto insurance policy can help you determine appropriate coverage at the best deductibles and correct limits. The terms used in a policy can be ambiguous and reading a policy is terribly boring. Shown next are typical coverages found on most auto insurance policies.

Comprehensive (Other than Collision)

This pays for damage that is not covered by collision coverage. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims such as fire damage, a broken windshield, damage from a tornado or hurricane, damage from getting keyed and damage from flooding. The maximum amount your auto insurance company will pay is the market value of your vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

Auto liability insurance

This protects you from injuries or damage you cause to other people or property that is your fault. This insurance protects YOU from legal claims by others. Liability doesn’t cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have policy limits of 100/300/100 that translate to $100,000 in coverage for each person’s injuries, $300,000 for the entire accident, and property damage coverage for $100,000. Occasionally you may see one number which is a combined single limit that pays claims from the same limit with no separate limits for injury or property damage.

Liability insurance covers things like legal defense fees, loss of income and repair costs for stationary objects. The amount of liability coverage you purchase is a personal decision, but consider buying higher limits if possible.

Protection from uninsured/underinsured drivers

Your UM/UIM coverage gives you protection when the “other guys” either are underinsured or have no liability coverage at all. Covered claims include medical payments for you and your occupants as well as damage to your 1994 Oldsmobile Cutlass Supreme.

Since a lot of drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Most of the time these limits do not exceed the liability coverage limits.

Medical expense insurance

Med pay and PIP coverage pay for immediate expenses for things like prosthetic devices, funeral costs and EMT expenses. They are often utilized in addition to your health insurance policy or if you are not covered by health insurance. Coverage applies to all vehicle 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 gives slightly broader coverage than med pay

Collision coverage

This coverage will pay to fix damage to your Cutlass Supreme from colliding with a stationary object or other vehicle. You first must pay a deductible and then insurance will cover the remainder.

Collision can pay for claims such as hitting a parking meter, damaging your car on a curb, crashing into a building and backing into a parked car. Collision coverage makes up a good portion of your premium, so consider dropping it from older vehicles. Another option is to increase the deductible to bring the cost down.

In any little way, save everyday

Cost effective 1994 Oldsmobile Cutlass Supreme insurance can be sourced from both online companies in addition to local insurance agencies, and you should be comparing both to have the best chance of lowering rates. Some insurance providers may not provide online quoting and usually these smaller providers only sell through independent agents.

We’ve covered a lot of information how to reduce 1994 Oldsmobile Cutlass Supreme insurance prices online. The key thing to remember is the more rate comparisons you have, the better your chances of lowering your rates. Consumers may even find the best price on insurance coverage is with the smaller companies. These smaller insurers often have lower rates on specific markets compared to the large companies like State Farm and Allstate.

As you quote auto insurance, it’s very important that you do not buy poor coverage just to save money. There are too many instances where consumers will sacrifice liability limits or collision coverage and learned later that a couple dollars of savings turned into a financial nightmare. Your aim should be to purchase plenty of coverage for the lowest cost, but do not skimp to save money.

Much more information about insurance coverage can be found at the links below

• When is the Right Time to Switch Car Insurance Companies? (Allstate)
• Distracted Driving (Insurance Information Insitute)
• Get the Right Protection (InsureUonline.org)
• Uninsured Motorists: Threats on the Road (Insurance Information Insitute)
• Can I Drive Legally without Insurance? (Insurance Information Insitute)
• Preventing Carjacking and Theft (Insurance Information Insitute)