Locating better insurance prices for a new or used Oldsmobile Cutlass Supreme can normally be difficult, but you can follow the following methods and make it easy. There is a right way and a wrong way to buy insurance coverage so you’re going to learn the quickest way to get price quotes on a Oldsmobile and locate the lowest possible price.
The price of auto insurance can be rather high, but you might find some hidden discounts that you may not even know about. Certain discounts will be applied when you complete an application, but less common discounts must be specially asked for before they will apply.
Consumers should know that many deductions do not apply to all coverage premiums. Some only apply to the cost of specific coverages such as comp or med pay. Just because you may think you could get a free insurance coverage policy, company stockholders wouldn’t be very happy. Any amount of discount should definitely cut the amount you have to pay.
A list of insurance coverage companies and some of the premium reductions they offer include:
Before buying, ask each company or agent which discounts can lower your rates. All car insurance discounts might not be available to policyholders everywhere.
When it comes to choosing the right insurance coverage for your vehicles, there is no one size fits all plan. Everyone’s situation is unique.
These are some specific questions may help highlight whether or not you might need professional guidance.
If you can’t answer these questions but you know they apply to you, then you may want to think about talking to an agent. If you don’t have a local agent, complete this form. It’s fast, free and can provide invaluable advice.
Having a good grasp of a insurance policy helps when choosing the best coverages for your vehicles. The terms used in a policy can be difficult to understand and reading a policy is terribly boring.
Medical expense insurance – Med pay and PIP coverage provide coverage for short-term medical expenses like ambulance fees, rehabilitation expenses and surgery. The coverages can be utilized in addition to your health insurance program or if there is no health insurance coverage. Coverage applies to both the driver and occupants in addition to any family member struck as a pedestrian. PIP coverage is not universally available but can be used in place of medical payments coverage
Collision coverage – This coverage pays to fix your vehicle from damage resulting from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible then your collision coverage will kick in.
Collision can pay for claims like damaging your car on a curb, sustaining damage from a pot hole, backing into a parked car, crashing into a ditch and rolling your car. Collision coverage makes up a good portion of your premium, so consider dropping it from older vehicles. You can also choose a higher deductible to get cheaper collision coverage.
Comprehensive (Other than Collision) – This coverage will pay to fix damage OTHER than collision with another vehicle or object. You first must pay your deductible and then insurance will cover the rest of the damage.
Comprehensive coverage pays for claims like hitting a bird, a broken windshield, damage from getting keyed, hail damage and vandalism. The most your insurance company will pay is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.
Auto liability – This can cover injuries or damage you cause to people or other property. Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show policy limits of 50/100/50 that translate to $50,000 bodily injury coverage, a limit of $100,000 in injury protection per accident, and property damage coverage for $50,000.
Liability can pay for things such as legal defense fees, structural damage and medical services. How much coverage you buy is up to you, but consider buying as high a limit as you can afford.
Protection from uninsured/underinsured drivers – Your UM/UIM coverage protects you and your vehicle’s occupants from other drivers when they either are underinsured or have no liability coverage at all. Covered claims include injuries to you and your family as well as damage to your 1996 Oldsmobile Cutlass Supreme.
Since a lot of drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is very important.
Insureds switch companies for any number of reasons including policy cancellation, poor customer service, an unsatisfactory settlement offer and even policy non-renewal. It doesn’t matter why you want to switch finding a great new company can be pretty painless.
In this article, we presented many tips how you can save on 1996 Oldsmobile Cutlass Supreme insurance. It’s most important to understand that the more quotes you get, the better your chances of lowering your prices. Consumers could even find that the best price on auto insurance is with some of the lesser-known companies.
Low-cost 1996 Oldsmobile Cutlass Supreme insurance is possible online in addition to many insurance agents, and you should compare rates from both to have the best chance of lowering rates. Some insurance providers don’t offer online quoting and usually these regional insurance providers work with independent agencies.
More tips and info about auto insurance is located in the articles below:
Jani Morales
From a town just southwest of Frederick, MD. Received rates from Travelers, American Family, Hartford, and Mercury for my Cutlass Supreme and saved $97 a year. Bought it from an online quote.
Estell Bates
21st Century quoted the best rates in Michigan.
Misty Franklin
Does 21st Century have good claim service?
Bulah Velasquez
For me, Allstate was by far the cheapest in Manchester, NH.
Alycia Flores
Got pretty cheap 1996 Oldsmobile Cutlass Supreme insurance from State Farm in Fayetteville, Arkansas.
Lela Barrett
I went with 21st Century at renewal. Best rates in Seattle, WA. Have an at-fault accident tho. I think I’ll get rid of full coverage next time.
Bruce Oneal
IT’S ALL TOO EXPENSIVE! Found cheapest coverage with AIG Insurance for my 1996 Oldsmobile Cutlass Supreme and am saving around $100 a year. Can still barely afford it.
Hae Holt
From Indianapolis, IN. I don’t recall every quote but I ended up saving about $10 each month. Just waiting to see how claims go.
Winford Peck
I live on the east side of Sioux Falls, SD. Received quotes from GEICO, Auto-Owners, Farmers, and Hanover for my 1996 Oldsmobile Cutlass Supreme and saved about $110 a year. Left Nationwide to switch. I increased coverages a little too. It’s only liability tho.
Minnie Farmer
Does Allstate offer good discounts?
Keva Zimmerman
If you’re a decent driver and are close to Chicago, IL, check out Allstate. They seem to be cheaper. Might find lower rates online. I’m thinking about dropping full coverage though.
Tran Mccullough
Corporate greed I’m telling you. I’m in Green Bay, Wisconsin. Got quotes with Progressive, Erie, and Hanover for my Cutlass Supreme and saved around $60 a year. I’m a pretty good driver though. It’s too old for full coverage.
Erlinda Massey
Allstate was cheapest for my 1996 Oldsmobile Cutlass Supreme in Burlington, VT.