1995 Oldsmobile Cutlass Supreme Insurance Rates
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UPDATED: Mar 20, 2020
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Want better car insurance rates for your Oldsmobile Cutlass Supreme? Searching for low-cost car insurance on the internet may be impossible for people who are new to price shopping online. With such a large number of companies in the marketplace, how can consumers possibly compare the different rates to find the best available rates?
You should make it a habit to check car insurance prices on a regular basis since insurance rates are rarely the same from one policy term to another. Even if you think you had the best rates for Cutlass Supreme insurance last year you can probably find a lower rate today. There is a lot of bad advice regarding car insurance online, so I’m going to show you some great ways to stop overpaying for insurance.
If you currently have a car insurance policy, you stand a good chance to be able to lower your premiums substantially using these methods. Finding the cheapest coverage is not that difficult. Nevertheless, car owners must understand how insurance companies market insurance on the web and apply this information to your search.
These discounts can slash insurance coverage rates
Auto insurance companies don’t list every available discount in a way that’s easy to find, so we took the time to find both well-publicized and the harder-to-find ways to save on insurance coverage.
- Anti-lock Brake Discount – Anti-lock brake equipped vehicles can avoid accidents and therefore earn up to a 10% discount.
- Federal Government Employee – Active or retired federal employment can earn a discount up to 10% for Cutlass Supreme insurance with certain companies.
- Homeowners Savings – Owning a house may trigger a insurance coverage policy discount because owning a home shows financial diligence.
- Auto/Life Discount – Companies who offer life insurance give lower rates if you buy life insurance.
- More Vehicles More Savings – Buying coverage for multiple cars or trucks on one policy could earn a price break for each car.
- Resident Student – Kids in college living away from home attending college without a vehicle on campus can be insured at a reduced rate.
- Accident Waiver – Some insurance companies permit an accident before your rates go up if you are claim-free for a certain period of time.
- Pay Upfront and Save – If you pay your bill all at once instead of paying each month you could save up to 5%.
As a disclaimer on discounts, most of the big mark downs will not be given to the overall cost of the policy. Most only cut the cost of specific coverages such as comprehensive or collision. Even though it may seem like adding up those discounts means a free policy, it doesn’t quite work that way.
A partial list of companies who might offer these discounts are:
Double check with each company how you can save money. All car insurance discounts may not be available everywhere.
When might I need the advice of an agent?
When it comes to choosing the best auto insurance coverage, there isn’t really a cookie cutter policy. Every situation is different.
Here are some questions about coverages that can help discover if your situation may require specific advice.
- Are my friends covered when driving my car?
- Will filing a claim cost me more?
- Do I need PIP (personal injury protection) coverage in my state?
- Why am I required to buy liability insurance?
- Is other people’s property covered if stolen from my vehicle?
- Do I need rental car coverage?
- When can I cancel my policy?
- When do I need to add a new car to my policy?
- Do I have coverage if my license is suspended?
If you can’t answer these questions but a few of them apply, you might consider talking to an insurance agent. If you don’t have a local agent, fill out this quick form.
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Insurance coverage basics
Knowing the specifics of your policy can be of help when determining which coverages you need at the best deductibles and correct limits. The terms used in a policy can be ambiguous and coverage can change by endorsement.
Comprehensive auto coverage
Comprehensive insurance coverage covers damage OTHER than collision with another vehicle or object. You first have to pay a deductible then your comprehensive coverage will pay.
Comprehensive insurance covers things like fire damage, rock chips in glass and a broken windshield. The highest amount your insurance company will pay is the actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.
This coverage pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You will need to pay your deductible and then insurance will cover the remainder.
Collision coverage pays for claims like hitting a mailbox, crashing into a ditch, driving through your garage door, colliding with a tree and rolling your car. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are older. Another option is to bump up the deductible to save money on collision insurance.
Medical payments and PIP coverage
Medical payments and Personal Injury Protection insurance pay for short-term medical expenses for things like ambulance fees, EMT expenses, funeral costs and rehabilitation expenses. They are often used in conjunction with a health insurance program or if you are not covered by health insurance. Medical payments and PIP cover you and your occupants and also covers any family member struck as a pedestrian. Personal Injury Protection is not available in all states and gives slightly broader coverage than med pay
Liability car insurance
This can cover damages or injuries you inflict on people or other property by causing an accident. It protects YOU against other people’s claims, and does not provide coverage for your own vehicle damage or injuries.
Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show liability limits of 100/300/100 which means a $100,000 limit per person for injuries, a per accident bodily injury limit of $300,000, and a total limit of $100,000 for damage to vehicles and property.
Liability coverage protects against things such as medical services, loss of income, structural damage, court costs and funeral expenses. How much liability coverage do you need? That is a personal decision, but you should buy higher limits if possible.
UM/UIM (Uninsured/Underinsured Motorist) coverage
Your UM/UIM coverage provides protection from other drivers when they either are underinsured or have no liability coverage at all. It can pay 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, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is very important.
Coverage on a shoestring budget
Cheap 1995 Oldsmobile Cutlass Supreme insurance can be sourced on the web as well as from independent agents, and you need to comparison shop both in order to have the best chance of saving money. Some companies don’t offer online price quotes and these small insurance companies work with independent agents.
When you buy insurance online, it’s a bad idea to skimp on critical coverages to save a buck or two. There are a lot of situations where someone dropped liability limits or collision coverage only to discover later that they should have had better coverage. Your strategy should be to purchase plenty of coverage at a price you can afford while still protecting your assets.
People leave their current company for a number of reasons such as unfair underwriting practices, delays in paying claims, high prices and poor customer service. Regardless of your reason for switching companies, finding a new car insurance company is pretty simple and you could end up saving a buck or two.
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