1993 Oldsmobile Cutlass Supreme Car Insurance Quotes

Want the cheapest car insurance rates for your Oldsmobile Cutlass Supreme? Finding more affordable coverage rates on car insurance might be hard for drivers who are new to online comparison shopping. Drivers have so many choices that it can quickly become hard work to locate the lowest price.

It’s important to get comparison quotes on a regular basis due to the fact that insurance prices go up and down regularly. If you had the best deal on Cutlass Supreme insurance last year there may be better deals available now. Forget all the misinformation about car insurance because we’re going to demonstrate the only way to find the best coverage while lowering your premiums.

If you are paying for car insurance now, you will most likely be able to save some money using this information. This article will instruct you on the most effective way to quote insurance and some tips to save money. Although car owners can benefit by having an understanding of the way insurance companies market on the web and take advantage of how the system works.

How to find cheap insurance coverage

The are a couple different ways to compare prices from lots of insurance coverage companies. One of the best ways to find the cheapest 1993 Oldsmobile Cutlass Supreme insurance rates is to jump online and get quotes. This is very easy and can be done in several different ways.

The recommended way to get quotes would be an industry-wide quote request form like this one (opens in new window). This type of form eliminates the need for multiple quote forms for each company. Taking the time to complete one form gets insurance cost estimates from several companies. Just one form and you’re done.

A different way to compare rate quotes consists of going to each individual company website to request a price quote. For example, we’ll pretend you want to compare Progressive, Liberty Mutual and GMAC. To do that, you would have to navigate to each company’s site and enter your policy data, and that explains why we recommend the first method.

For a handy list of car insurance company links in your area, click here.

The least efficient way to quote and compare insurance rates is to spend your day driving to insurance agencies in your area. The ability to buy insurance online eliminates this option unless your situation requires the professional assistance that only a licensed agent can provide. Some companies do allow you to price shop your coverage online and have a local agent actually service the policy.

However you get your quotes, make darn sure you compare nearly identical coverages for each comparison quote. If you enter higher or lower deductibles it’s not possible to get a fair rate comparison. Even a minor difference in insurance coverages can mean a large discrepancy in price. And when price shopping your coverage, obtaining a wide range of quotes increases your odds of finding the best price. Not every company provides quotes online, so it’s important to also get price estimates from them as well.

Do you qualify for discount insurance?

Auto insurance companies don’t always advertise all disounts in an easy-to-find place, so the below list has both well-publicized in addition to some of the lesser obvious ways to save on insurance. If you’re not getting every credit you qualify for, you are paying more than you should be.

• Driver’s Ed – Cut your cost by having your teen driver complete a driver education course as it will make them better drivers and lower rates.
• Multi-car Discount – Buying a policy with multiple cars or trucks on a single policy qualifies for this discount.
• Government Employees – Federal government employees could cut as much as 10% off on Cutlass Supreme insurance with select insurance companies.
• Seat Belt Usage – Forcing all vehicle occupants to wear their seat belts can save a little off the personal injury premium cost.
• Paperwork-free – Many insurance companies will provide an incentive shop auto insurance over the internet.
• Military Discounts – Being on active deployment in the military can result in better rates.
• Passive Restraint Discount – Vehicles with factory air bags may get savings of 25 to 30%.
• Senior Citizen Discount – If you’re over the age of 55, you may be able to get lower premium rates on Cutlass Supreme insurance.
• Clubs and Organizations – Participating in a professional or civic organization is a simple method to lower premiums on your policy.
• Pay Upfront and Save – By paying your policy upfront as opposed to paying monthly you could save up to 5%.

As a disclaimer on discounts, some of the credits will not apply the the whole policy. The majority will only reduce the price of certain insurance coverages like comprehensive or collision. Even though the math looks like having all the discounts means you get insurance for free, insurance companies wouldn’t stay in business.

A few popular companies and some of the premium reductions they offer are included below.

• 21st Century includes discounts for driver training, 55 and older, air bags, early bird, defensive driver, and student driver.
• State Farm has discounts for anti-theft, passive restraint, Steer Clear safe driver discount, accident-free, driver’s education, and good student.
• AAA has savings for multi-policy, AAA membership discount, pay-in-full, good driver, education and occupation, and good student.
• Liberty Mutual offers discounts including exclusive group savings, newly married, hybrid vehicle, new vehicle discount, and multi-car.
• Progressive offers premium reductions for continuous coverage, good student, multi-vehicle, multi-policy, online signing, homeowner, and online quote discount.

Before purchasing a policy, check with every prospective company what discounts are available to you. Some discounts listed above might not be offered everywhere. To choose providers who offer insurance discounts, click here.

Quote Oldsmobile Cutlass Supreme insurance at a discount

Many factors are used in the calculation when premium rates are determined. Some factors are common sense such as traffic violations, although some other factors are more transparent such as whether you are married or how financially stable you are.Smart consumers have a good feel for some of the elements that aid in calculating the level of your policy premiums. If you have a feel for what determines premiums, this enables informed choices that will entitle you to lower premium levels.

The itemized list below are some of the most common factors that factor into your prices.

• How many coverages with the same company – Many insurance companies will award discounts to clients that buy multiple policies in the form of a multi-policy discount. The discount can add up to ten or even up to twenty percent in some cases. Even if you qualify for this discount already, drivers will still want to check prices from other companies to verify if the discount is saving money. Drivers may still save even more by insuring with multiple companies.
• Employer stress can make you pay more – Did you know that where you work can have an impact on rates? Occupations such as fire fighters, architects and dentists have the highest average rates because of intense work requirements and lengthy work days. On the flip side, careers like scientists, engineers and homemakers generally pay rates lower than average on Cutlass Supreme insurance.
• Do males or females drive better? – Over time, data shows that women are safer drivers than men. It does not mean men are WORSE drivers than women. Both sexes cause accidents in similar percentages, but men tend to have higher claims. They also have more aggressive citations such as reckless driving.
• Cars with good safety ratings lower rates – Cars with high safety ratings tend to be cheaper to insure. Highly rated vehicles reduce occupant injuries and fewer injuries translates into fewer and smaller insurance claims and lower rates for you.
• Keep rates low by being claim-free – Insurance companies provide lower rates to policyholders who do not rely on their insurance for small claims. If you tend to file frequent claims, you can expect higher premiums or even policy non-renewal. Your car insurance is intended to be relied upon for larger claims.
• Traffic violations will cost you – Your driving record impacts premiums far more than you think. Careful drivers receive lower rates compared to drivers with tickets. Even one citation can boost insurance rates substantially. Drivers unfortunate enough to have license-revoking tickets such as DUI or willful reckless driving may find they need to file a SR-22 with their state’s department of motor vehicles in order to keep their license.

What insurance coverages do I need?

When choosing coverage for your vehicles, there really is no best way to insure your cars. Your needs are not the same as everyone else’s.

These are some specific questions can aid in determining if your insurance needs will benefit from professional help.

• How much liability insurance is required?
• Do I need medical payments coverage since I have good health insurance?
• Why is insurance for a teen driver so high?
• Is my 1993 Oldsmobile Cutlass Supreme covered for smoke damage?
• What is roadside assistance coverage?
• Am I covered by my employer’s commercial auto policy when driving my personal car for business?
• What is covered by UM/UIM coverage?

If you don’t know the answers to these questions but a few of them apply, you might consider talking to a licensed insurance agent. To find an agent in your area, fill out this quick form.

Save 15 percent in 15 minutes? Is it for real?

Popular auto insurance providers such as Allstate, Geico and Progressive continually stream ads on TV and radio. They all try to convey promises that drivers will save a bundle if you change to their company. How can each company lower your car insurance rates? It’s all in the numbers.

Companies have specific guidelines for the type of insured that is profitable for them. One example of a driver they prefer may need to be between the ages of 30 and 50, has a clear driving record, and the vehicle is rated for pleasure use. Someone that hits that “sweet spot” may get the lowest premium rates as well as save if they switch.

Drivers who don’t qualify for this ideal profile may be required to pay higher rates which usually ends up with the customer not buying. If you pay close attention to the ads, they say “customers that switch” but not “everyone who gets a quote” save that much. This is how companies can truthfully make the claims of big savings. That is why you really need to do a quote comparison often. Because without a comparison, you cannot know which insurance companies will provide you with the cheapest car insurance rates.

Coverage specifics

Knowing the specifics of car insurance can be of help when determining the right coverages for your vehicles. Car insurance terms can be ambiguous and even agents have difficulty translating policy wording.

Coverage for medical expenses – Med pay and PIP coverage provide coverage for expenses for doctor visits, pain medications, surgery and ambulance fees. They are used to fill the gap from your health insurance policy or if you lack health insurance entirely. It covers not only the driver but also the vehicle occupants as well as being hit by a car walking across the street. Personal Injury Protection is not available in all states and gives slightly broader coverage than med pay

Liability – This coverage provides protection from injuries or damage you cause to other people or property in an accident. This coverage protects you against other people’s claims, and doesn’t cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have policy limits of 100/300/100 that means you have $100,000 in coverage for each person’s injuries, $300,000 for the entire accident, and $100,000 of coverage for damaged propery.

Liability coverage pays for things like legal defense fees, funeral expenses, repair costs for stationary objects, pain and suffering and repair bills for other people’s vehicles. The amount of liability coverage you purchase is your choice, but it’s cheap coverage so purchase higher limits if possible.

Comprehensive car insurance – Comprehensive insurance covers damage caused by mother nature, theft, vandalism and other events. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims such as damage from getting keyed, a broken windshield, theft and rock chips in glass. The most you can receive from a comprehensive claim is the actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Collision coverage – This coverage pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. A deductible applies then your collision coverage will kick in.

Collision can pay for things like driving through your garage door, hitting a parking meter, hitting a mailbox, backing into a parked car and scraping a guard rail. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are older. You can also increase the deductible to save money on collision insurance.

Coverage for uninsured or underinsured drivers – This protects you and your vehicle when the “other guys” are uninsured or don’t have enough coverage. It can pay for injuries to you and your family and damage to your 1993 Oldsmobile Cutlass Supreme.

Since a lot of drivers only purchase the least amount of liability that is required, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Never pay more for less

Insureds change insurance companies for a number of reasons such as an unsatisfactory settlement offer, not issuing a premium refund, questionable increases in premium and policy cancellation. It doesn’t matter what your reason, finding the right auto insurance provider is easier than you think.

When buying insurance coverage, make sure you don’t reduce coverage to reduce premium. In many cases, someone sacrificed comprehensive coverage or liability limits and discovered at claim time that the savings was not a smart move. The proper strategy is to find the BEST coverage at the best cost while not skimping on critical coverages.

We covered many ideas to shop for 1993 Oldsmobile Cutlass Supreme insurance online. The key concept to understand is the more quotes you get, the better chance you’ll have of finding the cheapest auto insurance. Consumers could even find that the lowest priced auto insurance comes from some of the smallest insurance companies.

Additional detailed information can be read at these sites:

• Safety Belts FAQ (iihs.org)
• Avoiding Deer Collisions (Insurance Information Insitute)
• What is Covered by an Auto Insurance Policy? (Insurance Information Insitute)
• Protect Yourself Against Auto Theft (Insurance Information Insitute)