Save on 1997 Oldsmobile Cutlass Supreme Insurance Cost

Saving money on Driversinsurance coverage can seem to be frustrating for people who are beginners to quoting and comparing prices online. There are so many choices that it can quickly become hard work to find the lowest price.

Affordable insurance coverage quotes with discounts

Some companies don’t list every available discount in a way that’s easy to find, so below is a list some of the more common as well as the least known credits that you can use to lower your rates.

  • Sign Online – Certain insurance companies provide a small discount just for signing your application on their website.
  • Early Payment Discounts – By paying your entire bill at once rather than paying in monthly installments you may reduce your total bill.
  • Discount for Life Insurance – Insurance companies who offer life insurance give a small discount if you purchase auto and life insurance together.
  • No Charge for an Accident – but companies like Geico, Progressive, and Allstate will let one accident slide before they charge you more for coverage as long as you don’t have any claims for a certain period of time.
  • Professional Organizations – Affiliation with a civic or occupational organization is a good way to get lower rates on insurance coverage.
  • Mature Driver Discount – Older drivers can get a small discount on rates on Cutlass Supreme insurance.
  • ABS Braking Discount – Cars and trucks with ABS and/or traction control can stop better under adverse conditions and qualify for as much as a 10% discount.

Just know that most of the big mark downs will not be given to the overall cost of the policy. The majority will only reduce the price of certain insurance coverages like collision or personal injury protection. So when it seems like adding up those discounts means a free policy, you’re out of luck. But all discounts will cut your policy cost.

A partial list of companies that possibly offer these discounts are:

If you need lower rates, check with every insurance company which discounts you may be entitled to. All car insurance discounts may not be available in every state.

Tailor your car insurance coverage to you

When it comes to buying the right insurance coverage for your vehicles, there really is no one size fits all plan. Coverage needs to be tailored to your specific needs.

These are some specific questions might point out whether or not you might need professional guidance.

  • Does coverage extend to Mexico or Canada?
  • Am I covered by my spouse’s policy after a separation?
  • Why is insurance for a teen driver so high?
  • Does my personal policy cover me when driving out-of-state?
  • How can I get high-risk coverage after a DUI?
  • Should I carry comprehensive and collision coverage?
  • What can I do if my company won’t pay a claim?
  • Can I pay claims out-of-pocket if I buy high deductibles?
  • Do I have coverage when using my vehicle for my home business?

If it’s difficult to answer those questions but you know they apply to you then you might want to talk to a licensed insurance agent. To find an agent in your area, simply complete this short form.

Car insurance coverages for an Oldsmobile Cutlass Supreme

Understanding the coverages of your policy helps when choosing which coverages you need for your vehicles. Policy terminology can be ambiguous and nobody wants to actually read their policy.

Uninsured or underinsured coverage

Your UM/UIM coverage gives you protection from other drivers when they either are underinsured or have no liability coverage at all. This coverage pays for medical payments for you and your occupants as well as your vehicle’s damage.

Due to the fact that many drivers carry very low liability coverage limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is very important. Usually these coverages are identical to your policy’s liability coverage.

Liability car insurance

This coverage can cover damages or injuries you inflict on people or other property in an accident. This coverage protects you from claims by other people, and does not provide coverage for damage sustained by your vehicle in an accident.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see liability limits of 50/100/50 that translate to a limit of $50,000 per injured person, a total of $100,000 of bodily injury coverage per accident, and a total limit of $50,000 for damage to vehicles and property. Another option is a combined limit which combines the three limits into one amount with no separate limits for injury or property damage.

Liability coverage pays for claims such as structural damage, attorney fees, court costs and emergency aid. How much liability coverage do you need? That is up to you, but buy higher limits if possible.

Collision coverage protection

Collision coverage pays for damage to your Cutlass Supreme resulting from a 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 coverage pays for claims like hitting a mailbox, crashing into a building, sustaining damage from a pot hole, driving through your garage door and hitting a parking meter. This coverage can be expensive, so consider removing coverage from older vehicles. Another option is to raise the deductible to bring the cost down.

Medical expense coverage

Med pay and PIP coverage reimburse you for immediate expenses such as doctor visits, dental work and funeral costs. The coverages can be utilized in addition to your health insurance policy or if there is no health insurance coverage. It covers both the driver and occupants and also covers if you are hit as a while walking down the street. Personal Injury Protection is not universally available and may carry a deductible

Comprehensive protection

Comprehensive insurance coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things like a broken windshield, falling objects, hail damage, vandalism and damage from flooding. The most you can receive from a comprehensive claim is the actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

One last thing about your coverage

When you buy insurance coverage online, make sure you don’t buy less coverage just to save a little money. Too many times, an insured cut comprehensive coverage or liability limits and discovered at claim time they didn’t have enough coverage. The proper strategy is to get the best coverage possible at the best possible price and still be able to protect your assets.

Discount 1997 Oldsmobile Cutlass Supreme insurance can be purchased online and from local insurance agents, and you should compare rates from both in order to have the best chance of saving money. There are still a few companies who don’t offer rates over the internet and these regional carriers only sell through independent agents.

People switch companies for many reasons like policy non-renewal, being labeled a high risk driver, unfair underwriting practices or lack of trust in their agent. It doesn’t matter why you want to switch choosing a new company can be easier than you think.

Other information

Comments About 1997 Oldsmobile Cutlass Supreme Insurance

  1. Alanna Kirkland

    What is UM/UIM coverage?

  2. Norene Maynard

    I’m in Spokane, WA. Quoted with GMAC, AIG Insurance, MetLife, and a couple others for my 1997 Oldsmobile Cutlass Supreme and saved just over $100 a year. Insured with GEICO before.

  3. Vikki Ewing

    GEICO quoted the best rates in North Carolina.

  4. Arlean Guzman

    Hope my rates come down. I’m from Boise, ID. I quoted with GEICO, The General, and Farmers for my 1997 Oldsmobile Cutlass Supreme and saved just over $90 a year. Highly recommended. Next renewal I’ll just do liability.

  5. Suzi Avery

    What is Underinsured Motorist coverage?

  6. Mara Singleton

    1997 Oldsmobile Cutlass Supreme + Progressive = GOOD RATES!

  7. Junior Patterson

    I’m just west of Virginia Beach, VA. Went online for free insurance quotes for a 1997 Oldsmobile Cutlass Supreme. Ended up at about $110 savings annually. Went with 21st Century. Insured with Erie before. Have an at-fault accident tho. Are quotes cheaper online?

  8. June Noel

    Went with GMAC for my 1997 Oldsmobile Cutlass Supreme and saved about $60 a year. It never hurts to quote around.

  9. Sandra Fisher

    What is Underinsured Motorist coverage?

  10. Domenic Bonner

    I went with Allstate at renewal. Best rates in Baltimore, Maryland. Teenage drivers are expensive! I recommend comparing lots of rates. Book value doesn’t justify full coverage anymore.

  11. Bethel Duran

    Will Progressive give a discount for driver training?

  12. Sammy Michael

    If you have a clean record and are close to Milwaukee, Wisconsin, check out 21st Century. They seem to be cheaper. Moved home policy as well. It was easy to get rates.

  13. Luna Clayton

    1997 Oldsmobile Cutlass Supreme + Progressive = CHEAP! At least inHawaii anyway.

  14. Stanton Campos

    FYI in Green Bay, WI try GEICO. I got a good deal.