1994 Oldsmobile Cutlass Supreme Car Insurance Quotes – 7 Ideas for Cheapest Rates

Perplexed by the wide range of auto insurance options? Many other drivers are as well. There are so many options that it can be a ton of work to find the perfect company for you.

How to Buy Insurance Coverage Online

To find the best insurance coverage prices, there are several ways to compare quotes and find the best price. The easiest way to find competitive 1994 Oldsmobile Cutlass Supreme insurance rates is simply to get online rate quotes. This can be done using a couple different methods.

  1. The best way to compare a lot of rates at once is an all-inclusive rate comparison click here to open form in new window. This method keeps you from doing separate quotation requests to each individual insurance coverage company. Taking the time to complete one form will get you price quotes instantly. Recommended for those who want to invest the least amount of time.
  2. A slightly less efficient method to compare rate quotes consists of going to each individual company website to request a price quote. For examples sake, we’ll pretend you want rates from Auto-Owners, Liberty Mutual and Progressive. To get each rate you have to spend time on each company’s site and enter your policy data, which is why most consumers use the first method. For a handy list of car insurance company links in your area, click here.
  3. The least recommended way to get comparison rates is to drive around to local insurance agencies. Shopping for insurance coverage online makes this process obsolete unless you want the personal advice of a licensed agent. Drivers can find lower rates online but still have the advice of a local agent and we’ll touch on that later.

It’s your choice how you get your quotes, but ensure you are comparing apples-to-apples quote information for each comparison quote. If you enter different values for each quote it will be impossible to decipher which rate is best. Having just a slight variation in limits may result in large price differences. And when comparing insurance coverage rates, know that having more price comparisons helps you find the best offered rates.

Policy discounts you shouldn’t miss

Insuring your fleet can be pricey, buy you may qualify for discounts to cut the cost considerably. Most are applied at the time of quoting, but some must be inquired about in order for you to get them.

  • Safe Driver Discount – Safe drivers may receive a discount up to 45% less for Cutlass Supreme insurance than less cautious drivers.
  • Defensive Driver – Taking part in a course teaching defensive driving skills could cut 5% off your bill and easily recoup the cost of the course.
  • 55 and Retired – If you qualify as a senior citizen, you can possibly qualify for reduced rates for Cutlass Supreme insurance.
  • Theft Prevention System – Cars that have factory anti-theft systems can help prevent theft and therefore earn up to a 10% discount.
  • Driver’s Ed – Make teen driver coverage more affordable by requiring them to successfully complete driver’s ed class in high school.
  • Life Insurance Discount – Some companies give lower rates if you buy a life insurance policy as well.
  • Claim Free – Claim-free drivers pay much less compared to accident-prone drivers.

It’s important to understand that most credits do not apply to the entire cost. The majority will only reduce the cost of specific coverages such as medical payments or collision. So even though it sounds like you would end up receiving a 100% discount, companies wouldn’t make money that way. Any qualifying discounts will help reduce your overall premium however.

A partial list of companies that may offer some of the above discounts include:

Double check with each company what discounts are available to you. Savings may not apply everywhere.

Insurance agents can help

When it comes to buying the right insurance coverage, there really is no single plan that fits everyone. Each situation is unique.

Here are some questions about coverages that might point out whether your personal situation might need an agent’s assistance.

  • What can I do if my company denied a claim?
  • Is my vehicle covered by my employer’s policy when using it for work?
  • How much underlying liability do I need for an umbrella policy?
  • Should I sign the liability waiver when renting a car?
  • Am I covered if my car is in a flood?
  • When should my teen driver be added to my policy?
  • Do I need medical payments coverage since I have good health insurance?
  • Do I need replacement cost coverage?
  • How much liability insurance is required?
  • When do I need to add a new car to my policy?

If it’s difficult to answer those questions but a few of them apply, you might consider talking to an insurance agent. If you don’t have a local agent, complete this form.

Auto insurance coverage information

Understanding the coverages of a car insurance policy can be of help when determining which coverages you need and the correct deductibles and limits. Policy terminology can be difficult to understand and coverage can change by endorsement.

Coverage for medical expenses

Personal Injury Protection (PIP) and medical payments coverage reimburse you for bills such as rehabilitation expenses, prosthetic devices, doctor visits and nursing services. They are used in conjunction with a health insurance policy or if you are not covered by health insurance. It covers both the driver and occupants and also covers being hit by a car walking across the street. Personal injury protection coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Comprehensive car insurance

This pays for damage from a wide range of events other than collision. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims such as damage from getting keyed, hitting a bird, rock chips in glass and falling objects. The maximum payout you can receive from a comprehensive claim is the actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Liability coverages

Liability coverage will cover damage that occurs to people or other property. This insurance protects YOU against claims from other people, and does not provide coverage for 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. Your policy might show policy limits of 25/50/25 which stand for a $25,000 limit per person for injuries, a total of $50,000 of bodily injury coverage per accident, and a limit of $25,000 paid for damaged property. Another option is one number which is a combined single limit which provides one coverage limit with no separate limits for injury or property damage.

Liability insurance covers things like repair costs for stationary objects, emergency aid, medical services, bail bonds and repair bills for other people’s vehicles. How much coverage you buy is a personal decision, but you should buy higher limits if possible.

Coverage for uninsured or underinsured drivers

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when the “other guys” either have no liability insurance or not enough. This coverage pays for medical payments for you and your occupants and also any damage incurred to your Oldsmobile Cutlass Supreme.

Due to the fact that many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is important protection for you and your family. Usually the UM/UIM limits do not exceed the liability coverage limits.

Collision insurance

This coverage will pay to fix damage to your Cutlass Supreme resulting from a collision with another vehicle or an object, but not an animal. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for things such as sustaining damage from a pot hole, hitting a parking meter, colliding with a tree, damaging your car on a curb and rolling your car. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. It’s also possible to choose a higher deductible in order to get cheaper collision rates.

Feed the piggy bank

As you prepare to switch companies, never buy lower coverage limits just to save a few bucks. In too many instances, an insured cut collision coverage and learned later that their decision to reduce coverage ended up costing them more. Your goal should be to purchase a proper amount of coverage for the lowest price, not the least amount of coverage.

Throughout this article, we presented some good ideas how you can shop for 1994 Oldsmobile Cutlass Supreme insurance online. The key thing to remember is the more price quotes you have, the better your chances of lowering your rates. Drivers may discover the lowest rates come from a lesser-known regional company.

Budget-conscious insurance is available from both online companies as well as from independent agents, so you should be comparing quotes from both to have the best rate selection. A few companies don’t offer online quoting and most of the time these smaller companies sell through independent agents.

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