1992 Oldsmobile Cutlass Supreme Insurance Quotes
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UPDATED: Mar 20, 2020
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Looking for lower car insurance rates for your Oldsmobile Cutlass Supreme? Are you a victim of high-priced car insurance? Believe me, there are lots of people in the same boat.
Having so many companies to choose from, it can be hard to pick the right insurer.
Factors that can influence Oldsmobile Cutlass Supreme insurance rates
It’s important that you understand some of the elements that play a part in calculating the rates you pay for auto insurance. Having a good understanding of what influences your rates empowers consumers to make smart changes that could result in lower auto insurance prices.
Shown below are a few of the “ingredients” used by your company to calculate premiums.
- Don’t sacrifice liability coverage – Liability coverage will protect you if ever a court rules you are at fault for damages caused by your negligence. Liability provides you with a defense in court up to the limits shown on your policy. This coverage is very inexpensive when compared with rates for comp and collision, so buy as much as you can afford.
- Extra coverages can waste money – There are a ton of extra coverages that you can get tricked into buying on your auto insurance policy. Insurance for vanishing deductibles, accidental death and motor club memberships are some examples. They may seem good when you first buy your policy, but if you don’t need them eliminate the coverages to reduce your premium.
- Increase deductibles and save – Insurance for physical damage to your car, termed comprehensive and collision coverage on your policy, is used to repair damage to your Oldsmobile. Examples of covered claims are colliding with a building, collision with an animal, and rolling your vehicle. The deductibles are how much you are willing to pay out-of-pocket before your auto insurance pays a claim. The more money you’re willing to pay, the less your company will charge you for insurance for Cutlass Supreme insurance.
- Where you reside plays a part – Living in less populated areas has it’s advantages when insuring your vehicles. City drivers have congested traffic and longer commutes to work. Less people living in that area means reduced accidents and also fewer theft and vandalism claims.
- Lower rates with optional equipment – Driving a car that has an advanced theft prevention system can help bring down rates. Anti-theft features such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all hinder car theft.
- Your stress level may be raising your rates – Occupations like lawyers, social workers and financial analysts tend to pay higher average rates attributed to high stress and long work hours. Conversely, jobs such as scientists, engineers and retirees have the lowest average rates for Cutlass Supreme insurance.
- Choose a safe vehicle and save – Vehicles with good safety scores tend to have better insurance rates. Safer cars protect occupants better and better occupant protection translates into savings for insurance companies and more competitive rates for policyholders. If your Oldsmobile Cutlass Supreme has ratings of a minimum an “acceptable” rating on the Insurance Institute for Highway Safety website it may be receiving lower rates.
Save big with these discounts
Car insurance is not cheap, but you may find discounts to help bring down the price. Certain discounts will be triggered automatically at the time of quoting, but lesser-known reductions have to be asked for prior to getting the savings.
- Paperless Signup – Some insurance companies may give you up to $50 for buying a policy and signing up over the internet.
- Driver Safety – Successfully completing a course teaching defensive driving skills could save 5% or more depending on where you live.
- Multiple Vehicles – Insuring multiple vehicles on the same car insurance policy can get a discount on all vehicles.
- Theft Prevention Discount – Vehicles with anti-theft systems prevent vehicle theft and earn discounts up to 10%.
- Passive Restraint Discount – Vehicles with factory air bags can get savings of more than 20%.
Consumers should know that most discount credits are not given to the overall cost of the policy. Most only apply to the price of certain insurance coverages like liability, collision or medical payments. Just because it seems like it’s possible to get free car insurance, it just doesn’t work that way. Any qualifying discounts will bring down the cost of coverage.
Insurance companies that possibly offer some of the above discounts may include but are not limited to:
It’s a good idea to ask each insurance company what discounts are available to you. Some discounts may not be available in every state.
Don’t believe everything you hear
Progressive, GEICO, Allstate and State Farm regularly use ads in print and on television. All the companies make an identical promise about savings if you move your coverage to them. How does each company make almost identical claims? This is how they do it.
Insurance companies have a certain “appetite” for the driver that is profitable for them. For example, a profitable customer might be a mature driver, a clean driving record, and has great credit. A customer getting a price quote who matches those parameters gets the lowest rates and therefore will save quite a bit of money when switching.
Potential insureds who don’t measure up to the requirements must pay higher prices which usually ends up with the customer not buying. The ads state “people who switch” not “everybody who quotes” save that much money. That’s why insurance companies can advertise the way they do.
This illustrates why you should get a wide range of price quotes. It’s just too difficult to predict which insurance company will fit your personal profile best.
But I don’t know anything about car insurance
When buying proper insurance coverage for your personal vehicles, there really is no single plan that fits everyone. Your needs are not the same as everyone else’s so your insurance needs to address that. For example, these questions might point out if you might need an agent’s assistance.
- What is the difference between comprehensive and collision coverage?
- I don’t drive much so do I pay less?
- Is upholstery damage covered by car insurance?
- When do I need to add a new car to my policy?
- Does car insurance cover theft of personal property?
- Do I need rental car coverage?
If you’re not sure about those questions, you may need to chat with a licensed insurance agent. To find lower rates from a local agent, complete this form or you can go here for a list of companies in your area.
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Coverages available on your policy
Learning about specific coverages of insurance helps when choosing the right coverages at the best deductibles and correct limits. Insurance terms can be ambiguous and even agents have difficulty translating policy wording. Below you’ll find the usual coverages available from insurance companies.
Collision coverage protection
This will pay to fix damage to your Cutlass Supreme resulting from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible and then insurance will cover the remainder.
Collision coverage protects against things like colliding with a tree, sideswiping another vehicle, damaging your car on a curb, hitting a parking meter and crashing into a ditch. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Drivers also have the option to bump up the deductible in order to get cheaper collision rates.
Insurance for medical payments
Personal Injury Protection (PIP) and medical payments coverage provide coverage for short-term medical expenses for things like X-ray expenses, dental work, pain medications and doctor visits. The coverages can be utilized in addition to your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants in addition to being hit by a car walking across the street. PIP is not available in all states but can be used in place of medical payments coverage
Uninsured Motorist or Underinsured Motorist insurance
This protects you and your vehicle from other motorists when they are uninsured or don’t have enough coverage. This coverage pays for hospital bills for your injuries and damage to your 1992 Oldsmobile Cutlass Supreme.
Due to the fact that many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is important protection for you and your family. Frequently your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.
Coverage for liability
This provides protection from damage that occurs to other people or property. This coverage protects you from claims by other people. Liability doesn’t cover your own vehicle damage or injuries.
Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see liability limits of 25/50/25 that translate to a limit of $25,000 per injured person, a limit of $50,000 in injury protection per accident, and a total limit of $25,000 for damage to vehicles and property. Occasionally you may see a combined single limit or CSL which provides one coverage limit rather than limiting it on a per person basis.
Liability coverage pays for things like structural damage, repair costs for stationary objects, loss of income, medical expenses and repair bills for other people’s vehicles. How much liability should you purchase? That is a personal decision, but buy as large an amount as possible.
Comprehensive coverage (or Other than Collision)
This will pay to fix damage from a wide range of events other than collision. A deductible will apply and then insurance will cover the rest of the damage.
Comprehensive coverage protects against things such as damage from a tornado or hurricane, hitting a bird, vandalism, fire damage and a tree branch falling on your vehicle. 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 consider dropping full coverage.
Smart consumers save more
You just learned a lot of information how to shop for 1992 Oldsmobile Cutlass Supreme insurance online. The key concept to understand is the more price quotes you have, the more likely it is that you will get a better rate. You may be surprised to find that the lowest priced insurance coverage comes from a small local company. Smaller companies can often insure niche markets at a lower cost as compared to the big name companies such as State Farm, GEICO and Nationwide.
As you restructure your insurance plan, never skimp on critical coverages to save a buck or two. In too many instances, an insured dropped full coverage and learned later that the few dollars in savings costed them thousands. Your goal should be to purchase a proper amount of coverage at the best price, not the least amount of coverage.
Additional insurance coverage information is available on the following sites:
- Side Impact Crash Tests (iihs.org)
- Collision Insurance Coverage (Nationwide)
- Young Drivers: The High Risk Years Video (iihs.org)
- Older Drivers FAQ (iihs.org)
- If I File a Claim will My Insurance Go Up? (Insurance Information Insitute)
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