1997 Oldsmobile Cutlass Insurance Quotes – 8 Policy Discounts

High-priced Oldsmobile Cutlass insurance can consume your accounts and put a big crunch on your finances.

Vehicle owners have many auto insurance companies to pick from, and though it is a good thing to be able to choose, it can be more difficult to adequately compare rates.

It’s important to shop coverage around once or twice a year since insurance prices are usually higher with each renewal. Just because you found the lowest rate for Cutlass coverage six months ago you may be paying too much now. Ignore everything you know about auto insurance because we’re going to show you one of the best ways to remove unneeded coverages and save money.

Choosing the best insurance company for you is quite easy. If you have car insurance now, you will most likely be able to lower your premiums substantially using this strategy. But car owners can benefit from knowing the methods companies use to determine prices.

Compare insurance price quotes online

There are several ways to compare insurance quotes, and some are more efficient than others. You could spend your day talking to insurance companies in your area, or you can utilize the web to get pricing more quickly.

Most major companies belong to an insurance system that enables customers to only type in their quote data once, and each participating company returns a rated price based on that information. This prevents consumers from doing quote forms to every company.

To compare rates now click here to open in new window.

The only drawback to comparing rates this way is that you can’t choose which carriers to get pricing from. If you wish to select specific providers to compare prices, we have a listing of low cost insurance companies in your area. Click to view list.

Take whichever approach you prefer, but do your best to enter the same deductibles and coverage limits for every company. If you use differing limits then you won’t be able to get a fair rate comparison. Just slight variations in insurance coverages could throw off the whole comparison. And when price shopping your coverage, making a lot of price comparisons will improve the odds of getting a lower rate than you’re paying now. Some insurance companies are not set up to provide quotes online, so you need to compare price estimates on coverage from those companies, too.

Verify you’re receiving every discount

Insurance can cost an arm and a leg, but there are discounts available that can dramatically reduce your bill. Some discounts apply automatically at the time of quoting, but some may not be applied and must be asked about in order for you to get them.

• Passenger Safety Discount – Vehicles equipped with air bags or motorized seat belts can qualify for discounts up to 30%.
• Own a Home – Just being a homeowner can save a few bucks because it shows financial diligence.
• No Charge for an Accident – Not necessarily a discount, but some insurance companies allow you one accident without the usual rate increase if you are claim-free for a specific time period.
• Active Military Service – Being deployed with a military unit may lower your rates slightly.
• Early Signing – A few companies give discounts for switching policies prior to your current policy expiring. You could save around 10% when you buy insurance online.
• Student in College – Kids who live away from home to go to college without a vehicle on campus could get you a discount.
• Discount for Low Mileage – Driving fewer miles may enable drivers to earn better prices on cars that stay parked.
• Discount for Life Insurance – Select companies reward you with a break if you buy life insurance.

While discounts sound great, it’s important to understand that most credits do not apply to your bottom line cost. Most cut the cost of specific coverages such as collision or personal injury protection. So even though they make it sound like it’s possible to get free car insurance, it’s just not the way it works.

Large insurance coverage companies and some of the discounts can be found below.

• Geico may have discounts that include anti-theft, five-year accident-free, daytime running lights, defensive driver, and emergency military deployment.
• Travelers may offer discounts for multi-policy, continuous insurance, IntelliDrive, payment discounts, and save driver.
• Farm Bureau includes discounts for multi-vehicle, good student, youthful driver, driver training, renewal discount, safe driver, and multi-policy.
• Liberty Mutual may include discounts for newly married, exclusive group savings, multi-policy, hybrid vehicle, and preferred payment discount.
• American Family discounts include defensive driver, accident-free, good driver, multi-vehicle, mySafetyValet, TimeAway discount, and bundled insurance.
• Progressive policyholders can earn discounts including online signing, homeowner, multi-policy, good student, online quote discount, multi-vehicle, and continuous coverage.

It’s a good idea to ask all the companies which discounts you qualify for. Depending on the company, some discounts may not apply to policies in your state.

When should I discuss my situation with an agent?

When buying the best auto insurance coverage for your vehicles, there really is no best way to insure your cars. Each situation is unique and your policy should reflect that. These are some specific questions may help you determine if you might need professional guidance.

• How do I insure my teen driver?
• Is a blown tire covered by insurance?
• Should I rate my 1997 Oldsmobile Cutlass as pleasure use or commute?
• Should I have a commercial auto policy?
• Where can I get insurance after a DUI in my state?
• Does my car insurance cover rental cars?
• When would I need rental car insurance?
• How can I find cheaper teen driver insurance?
• Does my personal policy cover me when driving out-of-state?

If you’re not sure about those questions, then you may want to think about talking to a licensed insurance agent. If you don’t have a local agent, simply complete this short form or you can go here for a list of companies in your area.

Learn about car insurance coverages for an Oldsmobile Cutlass

Knowing the specifics of a car insurance policy aids in choosing which coverages you need and proper limits and deductibles. The coverage terms in a policy can be difficult to understand and nobody wants to actually read their policy. These are typical coverages available from car insurance companies.

Comprehensive car insurance – Comprehensive insurance coverage will pay to fix damage from a wide range of events other than collision. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive insurance covers claims such as falling objects, damage from getting keyed, hitting a deer, a broken windshield and vandalism. The most you can receive from a comprehensive claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Coverage for medical expenses – Personal Injury Protection (PIP) and medical payments coverage reimburse you for bills for EMT expenses, dental work and pain medications. The coverages can be utilized in addition to your health insurance policy or if you do not have health coverage. They cover both the driver and occupants in addition to being hit by a car walking across the street. PIP is only offered in select states and gives slightly broader coverage than med pay

Collision – This covers damage to your Cutlass caused by collision with an object or car. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims like colliding with another moving vehicle, hitting a parking meter, rolling your car and sustaining damage from a pot hole. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are older. Drivers also have the option to choose a higher deductible in order to get cheaper collision rates.

Coverage for uninsured or underinsured drivers – Your UM/UIM coverage protects you and your vehicle’s occupants when the “other guys” do not carry enough liability coverage. Covered losses include hospital bills for your injuries as well as your vehicle’s damage.

Because many people carry very low liability coverage limits, their limits can quickly be used up. This is the reason having UM/UIM coverage is a good idea.

Liability auto insurance – Liability coverage protects you from damage or injury you incur to people or other property in an accident. This insurance protects YOU against claims from other people. It does not cover damage sustained by your vehicle in an accident.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see values of 100/300/100 which stand for $100,000 bodily injury coverage, $300,000 for the entire accident, and a total limit of $100,000 for damage to vehicles and property.

Liability can pay for claims like attorney fees, emergency aid and medical expenses. How much liability should you purchase? That is a personal decision, but buy as large an amount as possible.

And the best car insurance company is…

We just presented some good ideas how to lower your 1997 Oldsmobile Cutlass insurance car insurance rates. The key thing to remember is the more quotes you get, the more likely it is that you will get a better rate. Drivers may discover the best car insurance rates are with a small mutual company. These companies may often insure only within specific states and give getter rates than their larger competitors like Allstate or State Farm.

When buying insurance coverage, don’t be tempted to sacrifice coverage to reduce premiums. In too many instances, an insured dropped uninsured motorist or liability limits only to regret that the small savings ended up costing them much more. The ultimate goal is to buy the best coverage you can find for the lowest price while still protecting your assets.

There are still a few companies who may not provide internet price quotes and usually these small, regional companies prefer to sell through independent agencies. Budget-conscious 1997 Oldsmobile Cutlass insurance can be sourced on the web and from local agencies, so compare prices from both to have the best rate selection.

Additional information is located below:

• Should I Purchase an Umbrella Liability Policy? (Insurance Information Insitute)
• Where can I buy Insurance? (Insurance Information Insitute)
• Teen Driving Statistics (Geico)
• Help Your Teen Be a Better Driver (State Farm)
• Alcohol Impaired Driving FAQ (iihs.org)