1992 Oldsmobile Cutlass Supreme Insurance Cost – 5 Ways to Save

I can’t think of a single person who looks forward to buying insurance, in particular when the cost is too high.

Many auto insurance companies compete to insure your vehicles, and because of this it can be hard to compare car insurance companies and uncover the absolute lowest cost out there.

Vehicle Insurance Comparison

There are several ways you can shop for Oldsmobile Cutlass Supreme car insurance but one way is easier and takes less work. You could spend the better part of a day talking about coverages with local insurance agents in your area, or you could save time and use online quoting to get rates in a matter of minutes.

The majority of car insurance companies belong to an insurance system where insurance shoppers complete one form, and at least one company then gives them pricing based on that data. This saves time by eliminating quote forms for every car insurance company.

To participate in this free quote system, click here to start a free quote.

The one disadvantage to using this type of form is you can’t choose which carriers to get quotes from. So if you want to choose specific providers to request quotes from, we have a page of the cheapest car insurance companies in your area. Click to view list.

It doesn’t matter which method you choose, just make absolute certain that you use apples-to-apples coverages for each price quote. If each company quotes unequal deductibles or liability limits it will be very difficult to determine the lowest rate for your Oldsmobile Cutlass Supreme. Quoting even small variations in coverages could mean much higher rates. And when comparing car insurance rates, know that getting more free quotes helps you find a better price.

These five discounts can lower your rates

Car insurance companies don’t always list all available discounts in a way that’s easy to find, so here is a list some of the more common as well as the least known ways to save on auto insurance.

  • Good Student – Getting good grades can get you a discount of up to 25%. The good student discount can last well after school through age 25.
  • Passive Restraint Discount – Factory air bags or motorized seat belts may earn rate discounts of more than 20%.
  • Safe Driver Discount – Safe drivers may save up to 50% more on Cutlass Supreme insurance than less cautious drivers.
  • Distant Student – Kids in college who are attending college and do not have a car can receive lower rates.
  • Government Employees – Simply working for the federal government can earn a discount up to 10% on Cutlass Supreme insurance with certain companies.

A little note about advertised discounts, most credits do not apply to the entire policy premium. Most cut specific coverage prices like medical payments or collision. So even though it sounds like adding up those discounts means a free policy, auto insurance companies aren’t that generous.

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

It’s a good idea to ask each insurance company which discounts they offer. All car insurance discounts may not apply in your state.

Different people need different coverages

When choosing proper insurance coverage for your personal vehicles, there is no single plan that fits everyone. Every situation is different so your insurance needs to address that. For example, these questions can aid in determining whether you will benefit from professional help.

  • Do I need medical payments coverage since I have good health insurance?
  • What discounts do I qualify for?
  • Does car insurance cover theft of personal property?
  • Can my teen drive my company car?
  • Can I still get insurance after a DUI?
  • Is borrowed equipment or tools covered if stolen or damaged?

If you’re not sure about those questions, you might consider talking to a licensed agent. If you want to speak to an agent in your area, complete this form or you can also visit this page to select a carrier

Parts of your auto insurance policy

Understanding the coverages of a auto insurance policy can be of help when determining the right coverages for your vehicles. Auto insurance terms can be confusing and reading a policy is terribly boring. Below you’ll find the normal coverages available from auto insurance companies.

Comprehensive insurance – Comprehensive insurance will pay to fix damage OTHER than collision with another vehicle or object. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things like vandalism, fire damage and damage from getting keyed. The highest amount you’ll receive from a claim is the market value of your vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Uninsured/Underinsured Motorist (UM/UIM) – This coverage protects you and your vehicle when the “other guys” are uninsured or don’t have enough coverage. Covered losses include injuries sustained by your vehicle’s occupants and damage to your Oldsmobile Cutlass Supreme.

Since many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is a good idea.

Med pay and Personal Injury Protection (PIP) – Personal Injury Protection (PIP) and medical payments coverage pay for expenses like funeral costs, chiropractic care and doctor visits. They can be used to cover expenses not covered by your health insurance program or if you do not have health coverage. They cover you and your occupants and also covers being hit by a car walking across the street. Personal Injury Protection is not an option in every state and may carry a deductible

Collision coverage – This pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You first must pay a deductible and then insurance will cover the remainder.

Collision can pay for things like crashing into a building, sustaining damage from a pot hole and damaging your car on a curb. Collision is rather expensive coverage, so consider removing coverage from older vehicles. It’s also possible to choose a higher deductible to save money on collision insurance.

Liability auto insurance – Liability insurance will cover damage or injury you incur to a person or their property that is your fault. It protects you from claims by other people. Liability doesn’t cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show limits of 100/300/100 which stand for a limit of $100,000 per injured person, a total of $300,000 of bodily injury coverage per accident, and property damage coverage for $100,000.

Liability coverage pays for claims like structural damage, repair bills for other people’s vehicles and medical expenses. The amount of liability coverage you purchase is a decision to put some thought into, but you should buy as large an amount as possible.

Feed the piggy bank

While you’re price shopping online, it’s very important that you do not skimp on coverage in order to save money. There are a lot of situations where someone sacrificed physical damage coverage and learned later that a couple dollars of savings turned into a financial nightmare. The proper strategy is to buy the best coverage you can find for the lowest price while not skimping on critical coverages.

You just read some good ideas how you can lower your 1992 Oldsmobile Cutlass Supreme insurance rates. It’s most important to understand that the more quotes you get, the better likelihood of reducing your rate. Drivers may discover the biggest savings come from a small mutual company. These smaller insurers often have lower prices on specific markets than their larger competitors like State Farm and Allstate.

More detailed auto insurance information is located by following these links: