View 1995 Oldsmobile Cutlass Supreme Car Insurance Quotes

Sick and tired of paying out the nose to insure your Oldsmobile every month? You are no different than many other drivers.

Since consumers have many companies and agents to choose from, it can be impossible to choose the most affordable insurance company.

It’s a good idea to do rate comparisons every six months due to the fact that insurance rates change quite often. Despite the fact that you may have had the lowest price on Cutlass Supreme coverage on your last policy you can probably find a better price now. You can find a lot of misleading information regarding insurance on the web, but I’m going to show you a lot of great tips on how to buy insurance cheaper.

Save big with these discounts

Car insurance is not cheap, but there are discounts available that you may not know about. Most are applied at the time you complete a quote, but less common discounts must be inquired about before they will apply.

  • Low Mileage – Driving fewer miles could qualify for lower rates on the low mileage vehicles.
  • Military Discounts – Having a deployed family member could be rewarded with lower premiums.
  • New Car Discount – Buying coverage on a new vehicle is cheaper since new cars are generally safer.
  • Club Memberships – Belonging to certain professional organizations is a good way to get lower rates when shopping for car insurance on Cutlass Supreme coverage.
  • Federal Employees – Simply working for the federal government could cut as much as 10% off on Cutlass Supreme coverage depending on your company.

Keep in mind that many deductions do not apply to the entire cost. Some only reduce specific coverage prices like comp or med pay. So even though it sounds like all the discounts add up to a free policy, it just doesn’t work that way. Any qualifying discounts will reduce the amount you have to pay.

Car insurance companies that possibly offer these discounts include:

Check with each insurance company which discounts you may be entitled to. Discounts may not be available in every state.

The best way to compare rate quotes is to know the fact car insurance companies participate in online systems to provide you with a free rate quote. The only thing you need to do is provide information like if your license is active, coverage limits, driver details, and how much you drive. Your insurance information is instantly sent to multiple companies and you get price estimates quickly.

Oldsmobile Cutlass Supreme insurance rates are influenced by…

An important part of buying insurance is that you know the factors that go into determining auto insurance rates. When you know what positively or negatively controls the rates you pay helps enable you to make changes that may reward you with big savings.

Listed below are a partial list of the pieces that factor into rates.

  • Tickets mean higher rates – Your driving citation history has a huge affect on how much you pay. Just one speeding ticket can boost insurance rates by as much as thirty percent. Careful drivers have lower premiums than people who have multiple driving citations. Drivers who have severe citations such as reckless driving, hit and run or driving under the influence may need to file a SR-22 with the DMV in their state in order to drive a vehicle legally.
  • Credit scores impact auto insurance rates – A driver’s credit score is a huge factor in calculating your auto insurance rates. Drivers who have high credit ratings tend to be better drivers and file fewer claims than those with poor credit. So if your credit score is low, you could potentially save money when insuring your 1995 Oldsmobile Cutlass Supreme by spending a little time repairing your credit.
  • Don’t sacrifice liability coverage – Liability coverage provides coverage in the event that a court rules you are at fault for damages caused by your negligence. It provides legal defense coverage which can be incredibly expensive. Liability is cheap when compared with rates for comp and collision, so do not cut corners here.
  • Battle of the sexes – Statistics show that men are more aggressive behind the wheel. However, this does not mean men are worse drivers. Women and men are in accidents in similar percentages, but men have costlier accidents. Men also have more aggressive citations such as DWI and reckless driving. Youthful male drivers are several times more likely to be in an accident and therefore are the most expensive to insure.
  • Do you have a high stress job? – Did you know your auto insurance rates can be affected by your occupation? Occupations like lawyers, executives and dentists are shown to have the highest average rates because of job stress and lengthy work days. Other occupations such as actors, historians and performers pay the least on Cutlass Supreme coverage.

But I don’t know anything about car insurance

When it comes to choosing coverage, there really is no best way to insure your cars. Every situation is different and a cookie cutter policy won’t apply. For instance, these questions can help discover whether you could use an agent’s help.

  • When should I buy a commercial auto policy?
  • When do I need to add a new car to my policy?
  • I have good health insurance, so how much medical payments coverage do I need?
  • Why am I required to buy high-risk coverage?
  • Why am I be forced to buy a membership to get insurance from some companies?
  • Can I make deliveries for my home business?
  • How much can I save by bundling my policies?
  • Where can I get insurance after a DUI in my state?
  • How can I force my company to pay a claim?
  • How much liability do I need to cover my assets?

If it’s difficult to answer those questions but you know they apply to you then you might want to talk to an agent. If you don’t have a local agent, take a second and complete this form or click here for a list of insurance companies in your area.

Do insurance companies bend the truth?

21st Century, Allstate and State Farm constantly bombard you with ads on television and other media. All the companies have a common claim about savings if you switch your policy. How does each company make almost identical claims?

Different companies have a preferred profile for the right customer they prefer to insure. A good example of a preferred risk could possibly be over the age of 50, has no tickets, and has great credit. Any driver who matches those parameters will qualify for the lowest rates and is almost guaranteed to pay quite a bit less when switching companies.

Consumers who fall outside this ideal profile will have to pay a more expensive rate and this can result in business not being written. The ads say “customers who switch” not “people who quote” save that kind of money. That is how companies can state the savings.

Because of the profiling, drivers must get as many comparisons as possible. It’s not possible to predict the company that will have the lowest Oldsmobile Cutlass Supreme insurance rates.

Car insurance coverage options for a 1995 Oldsmobile Cutlass Supreme

Understanding the coverages of car insurance helps when choosing appropriate coverage at the best deductibles and correct limits. Policy terminology can be impossible to understand and even agents have difficulty translating policy wording. Shown next are the normal coverages found on the average car insurance policy.

Comprehensive (Other than Collision)

This coverage pays for damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims such as rock chips in glass, falling objects, vandalism and a broken windshield. The maximum amount you can receive from a comprehensive claim is the actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Protection from uninsured/underinsured drivers

This coverage protects you and your vehicle from other motorists when they do not carry enough liability coverage. This coverage pays for hospital bills for your injuries as well as damage to your 1995 Oldsmobile Cutlass Supreme.

Since many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is a good idea. Normally your uninsured/underinsured motorist coverages are set the same as your liablity limits.

Medical expense insurance

Personal Injury Protection (PIP) and medical payments coverage pay for immediate expenses such as pain medications, rehabilitation expenses, doctor visits, dental work and hospital visits. The coverages can be used in conjunction with a health insurance program or if there is no health insurance coverage. It covers you and your occupants and will also cover being hit by a car walking across the street. Personal Injury Protection is not universally available but can be used in place of medical payments coverage

Liability coverages

This protects you from damage or injury you incur to other people or property that is your fault. It protects YOU against other people’s claims. Liability doesn’t cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have liability limits of 25/50/25 which means a limit of $25,000 per injured person, $50,000 for the entire accident, and a total limit of $25,000 for damage to vehicles and property. Some companies may use one limit called combined single limit (CSL) that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability insurance covers claims like funeral expenses, loss of income, attorney fees, emergency aid and repair costs for stationary objects. How much liability coverage do you need? That is your choice, but it’s cheap coverage so purchase as large an amount as possible.

Coverage for collisions

This pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for things like scraping a guard rail, crashing into a building, backing into a parked car 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. Another option is to bump up the deductible in order to get cheaper collision rates.

At the end of the day…

In this article, we presented some good ideas how to compare 1995 Oldsmobile Cutlass Supreme insurance prices online. The most important thing to understand is the more providers you compare, the better likelihood of reducing your rate. You may even find the most savings is with an unexpected company. These companies may have significantly lower rates on certain market segments compared to the large companies like State Farm and Allstate.

When trying to cut insurance costs, make sure you don’t skimp on critical coverages to save a buck or two. There are too many instances where an insured cut collision coverage only to discover later that saving that couple of dollars actually costed them tens of thousands. Your strategy should be to buy enough coverage at the best price while still protecting your assets.

More detailed insurance information can be found at these sites: