1997 Oldsmobile Cutlass Supreme Insurance Rates – 9 Tips for Best Quotes

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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Written by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

UPDATED: Nov 15, 2021

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Want the cheapest auto insurance rates for your Oldsmobile Cutlass Supreme? Price shopping your auto insurance can be challenging for consumers not familiar with comparing rates online. Drivers have so many companies to choose from that it can easily become a challenge to find the best price.

It’s a good idea to compare prices quite often because rates are usually higher with each renewal. If you had the lowest rates for Cutlass Supreme coverage a year ago a different company probably has better rates today. There is a lot of bad advice regarding auto insurance online but by reading this article, you’re going to learn some proven techniques to buy auto insurance cheaper.

Finding Car Insurance

The are a couple different ways of comparing rates from local car insurance companies. The recommended way to compare 1997 Oldsmobile Cutlass Supreme insurance prices is simply to get online rate quotes. This is very easy and can be done in a couple of different ways.

One of the simplest ways to get quotes is to use a rate comparison form click here to open form in new window. This method keeps you from doing separate quote forms to each individual car insurance company. In just a few minutes this one form compares rates from many national carriers. It’s the fastest way to compare.

A slightly less efficient method to obtain and compare quotes online requires a visit to each company website and fill out their own quote form. For instance, let’s say you want comparison quotes from USAA, GEICO and State Farm. You would have to visit each site to enter your coverage information, which is why the first method is more popular.

To view a list of companies in your area, click here.

Whichever method you choose, compare identical coverage limits on every quote. If your comparisons have differing limits it’s impossible to find the best deal for your Oldsmobile Cutlass Supreme. Having just a slight variation in insurance coverages can result in a big premium difference. And when quoting car insurance, remember that getting more free quotes helps you find a lower rate.

Don’t pay full price with these nine discounts

Companies don’t always publicize every available discount in an easy-to-find place, so we break down both well-publicized and the more hidden savings tricks you should be using.

  • Lower Rates for Military – Being deployed with a military unit could mean lower rates.
  • Pay Upfront and Save – If you pay your bill all at once rather than paying monthly you can actually save on your bill.
  • Passive Restraints and Air Bags – Vehicles with factory air bags or motorized seat belts may earn rate discounts of 20% or more.
  • Auto/Home Discount – When you have multiple policies with one company you may save approximately 10% to 15%.
  • Driver’s Ed – Make teen driver coverage more affordable by requiring them to successfully complete driver’s ed class if it’s offered in school.
  • Early Switch Discount – Some insurance companies reward drivers for switching to them prior to your current policy expiration. It’s a savings of about 10%.
  • Seat Belt Usage – Using a seat belt and requiring all passengers to use a seat belt could save 15% off your PIP or medical payments premium.
  • Claim Free – Drivers with accident-free driving histories pay much less as compared to accident-prone drivers.
  • Defensive Driving Course – Taking part in a course in driver safety could save 5% or more if you qualify.

Consumers should know that many deductions do not apply the whole policy. A few only apply to individual premiums such as physical damage coverage or medical payments. So even though it sounds like all the discounts add up to a free policy, auto insurance companies aren’t that generous.

Car insurance companies who might offer some of the above discounts are:

  • The Hartford
  • American Family
  • Progressive
  • Travelers
  • Farmers Insurance
  • USAA
  • Liberty Mutual

Before buying, ask each company which discounts they offer. All car insurance discounts may not apply in your state.

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Your personal situation dictates your coverage

When choosing proper insurance coverage for your vehicles, there isn’t really a “best” method to buy coverage. Everyone’s situation is a little different.

These are some specific questions might point out whether your personal situation might need professional guidance.

  • What exactly is covered by my policy?
  • Am I covered when driving a rental car?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • Does insurance cover damages from a DUI accident?
  • Do I need roadside assistance coverage?
  • What companies insure drivers after a DUI or DWI?
  • Is my vehicle covered by my employer’s policy when using it for work?

If it’s difficult to answer those questions, then you may want to think about talking to a licensed insurance agent. If you don’t have a local agent, take a second and complete this form.

Auto insurance 101

Having a good grasp of your car insurance policy can be of help when determining the right coverages and the correct deductibles and limits. The terms used in a policy can be ambiguous and coverage can change by endorsement.

UM/UIM Coverage

This gives you protection from other motorists when they either have no liability insurance or not enough. This coverage pays for injuries sustained by your vehicle’s occupants and also any damage incurred to your Oldsmobile Cutlass Supreme.

Because many people only purchase the least amount of liability that is required, their limits can quickly be used up. For this reason, having high UM/UIM coverages is important protection for you and your family.

Comprehensive or Other Than Collision

This will pay to fix damage that is not covered by collision coverage. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things such as theft, damage from getting keyed, rock chips in glass and a tree branch falling on your vehicle. The maximum payout you’ll receive from a claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Medical costs insurance

Coverage for medical payments and/or PIP reimburse you for short-term medical expenses like X-ray expenses, EMT expenses and pain medications. They can be used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. They cover all vehicle occupants in addition to getting struck while a pedestrian. Personal injury protection coverage is not available in all states and may carry a deductible

Collision coverage

This covers damage to your Cutlass Supreme resulting from a collision with an object or car. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage pays for claims like crashing into a ditch, colliding with a tree, sustaining damage from a pot hole and driving through your garage door. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from older vehicles. Another option is to raise the deductible in order to get cheaper collision rates.

Liability car insurance

This can cover damage or injury you incur to people or other property. Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have liability limits of 25/50/25 which stand for a limit of $25,000 per injured person, a per accident bodily injury limit of $50,000, and a total limit of $25,000 for damage to vehicles and property.

Liability coverage protects against claims like funeral expenses, attorney fees, bail bonds and legal defense fees. The amount of liability coverage you purchase is a personal decision, but it’s cheap coverage so purchase as large an amount as possible.

A tidy conclusion

People leave their current company for many reasons like poor customer service, lack of trust in their agent, high rates after DUI convictions and even policy non-renewal. Whatever your reason, finding a new company can be easier than you think.

We just showed you a lot of ways to reduce 1997 Oldsmobile Cutlass Supreme insurance prices online. The key thing to remember is the more price quotes you have, the better chance you’ll have of finding lower rates. You may be surprised to find that the lowest priced insurance coverage comes from a small local company.

Discount insurance can be purchased both online as well as from independent agents, and you need to price shop both so you have a total pricing picture. Some insurance providers don’t offer you the ability to get quotes online and these smaller companies work with independent agents.

To read more, feel free to visit the resources below:

Use our FREE quote tool to compare rates now!

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Enter your zip code below to view companies that have cheap auto insurance rates.

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