1997 Oldsmobile Cutlass Supreme Insurance Quotes

Finding low-cost insurance for your Oldsmobile Cutlass Supreme can turn out to be an all-consuming task, but you can learn our car insurance buying tips and make it easy.

There are more efficient ways to find car insurance online and we’ll show you the quickest way to compare rates for your Oldsmobile and find the lowest price from both online companies and local agents.

It’s a good idea to get comparison quotes on a regular basis since rates are variable and change quite frequently. Just because you found the best rates on Cutlass Supreme insurance a year ago you may be paying too much now. Forget all the misinformation about car insurance because we’re going to demonstrate the fastest and easiest way to find the best coverage while lowering your premiums.

Lots of discounts mean lots of savings

Car insurance can cost a lot, but there are discounts available that you may not even be aware of. Some trigger automatically at the time of quoting, but less common discounts must be requested specifically before you get the savings. If they aren’t giving you every credit you deserve, you are throwing money away.

  • Multiple Policy Discount – If you insure your home and vehicles with one company you may save approximately 10% to 15%.
  • Driver Safety – Taking a defensive driving course can save you 5% or more if you qualify.
  • Discount for Life Insurance – Select insurance companies reward you with a break if you buy life insurance from them.
  • New Vehicle Savings – Buying coverage on a new vehicle can be considerably cheaper due to better safety requirements for new cars.
  • Good Student – A discount for being a good student can be rewarded with saving of up to 25%. Earning this discount can benefit you until age 25.
  • Sign Early and Save – A few companies offer discounts for switching to them prior to your current policy expiration. It can save you around 10%.

Consumers should know that most discounts do not apply the the whole policy. Most only cut individual premiums such as physical damage coverage or medical payments. So when it seems like you can get free auto insurance, companies wouldn’t make money that way. But any discount will reduce the cost of coverage.

Insurance companies who might offer these benefits are:

Check with each company how you can save money. Some discounts might not apply in your area.

The most recommended method to compare rate quotes is to know the fact auto insurance companies have advanced systems to give you rate quotes. The one thing you need to do is provide a little information including whether you drive to work or school, coverage limits, what you do for a living, and if you have an active license. That rating information is instantly sent to multiple companies and you receive quotes within a short period of time.

To compare rates now, click here and enter your coverage details.

Factors that can influence insurance rates for an Oldsmobile Cutlass Supreme

Consumers need to have an understanding of the rating factors that come into play when calculating your auto insurance rates. Having a good understanding of what determines base rates allows you to make educated decisions that can help you get better auto insurance rates.

  • Being married can save on auto insurance – Having a spouse can get you a discount on your auto insurance policy. Marriage is viewed as being more mature and it’s proven that drivers who are married are more cautious.
  • Pleasure use or commuting – The more you drive in a year the higher your rate. Most insurance companies charge to insure your cars based on how the vehicle is used. Vehicles left parked in the garage qualify for better rates than those used for commuting. Make sure your auto insurance policy is rated on the correct driver usage. If your policy improperly rates your Cutlass Supreme can result in significantly higher rates.
  • Bad driving skills means higher rates – A bad driving record has a huge affect on how much you pay. Drivers with clean records get better rates than their less careful counterparts. Even one speeding ticket may increase your cost by twenty percent. If you have dangerous violations like hit and run, DWI or reckless driving convictions may find they need to file a SR-22 with their state motor vehicle department in order to prevent a license revocation.
  • Multi-policy discounts can save money – Some insurers provide better rates to insureds who have multiple policies with them such as combining an auto and homeowners policy. This can amount to five, ten or even twenty percent. Even if you’re getting this discount you still need to comparison shop to confirm you are receiving the best rates possible.
  • Choose a safe vehicle and save – Safer cars get lower rates. Safe vehicles protect occupants better and any reduction in injury severity translates into savings for insurance companies and lower rates for you. If the Oldsmobile Cutlass Supreme has ratings of a minimum four stars on Safercar.gov you are probably receiving a discount.
  • Equipment add-ons that lower auto insurance rates – Driving a car with anti-theft technology or alarm system can get you a discount on your auto insurance. Anti-theft features such as LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system all hinder your car from being stolen.

Situations that might require an agent

When buying coverage, there really is not a best way to insure your cars. Everyone’s situation is a little different.

For instance, these questions may help highlight if your insurance needs may require specific advice.

  • What vehicles should carry emergency assistance coverage?
  • Should I file a claim if it’s only slightly more than my deductible?
  • Does my personal policy cover me when driving out-of-state?
  • Am I covered when driving a rental car?
  • How much liability insurance is required?
  • What if I total my 1997 Oldsmobile Cutlass Supreme and owe more than it’s worth?
  • What discounts do I qualify for?
  • Can my teen driver be rated on a liability-only vehicle?

If you can’t answer these questions, you might consider talking to a licensed agent. To find lower rates from a local agent, complete this form. It’s fast, free and you can get the answers you need.

Car insurance coverages for a 1997 Oldsmobile Cutlass Supreme

Knowing the specifics of your auto insurance policy helps when choosing appropriate coverage and the correct deductibles and limits. The terms used in a policy can be ambiguous and even agents have difficulty translating policy wording.

Coverage for uninsured or underinsured drivers

Your UM/UIM coverage provides protection from other drivers when they do not carry enough liability coverage. Covered claims include injuries to you and your family as well as damage to your 1997 Oldsmobile Cutlass Supreme.

Due to the fact that many drivers carry very low liability coverage limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Most of the time these limits are set the same as your liablity limits.

Liability insurance

Liability insurance can cover damages or injuries you inflict on other people or property that is your fault. This insurance protects YOU against other people’s claims. 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 50/100/50 that translate to a limit of $50,000 per injured person, a per accident bodily injury limit of $100,000, and property damage coverage for $50,000. Another option is a combined limit which limits claims to one amount and claims can be made without the split limit restrictions.

Liability coverage pays for things such as legal defense fees, repair bills for other people’s vehicles and loss of income. How much coverage you buy is a decision to put some thought into, but you should buy as large an amount as possible.

Collision insurance

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

Collision insurance covers things such as hitting a parking meter, colliding with another moving vehicle and backing into a parked car. This coverage can be expensive, so consider removing coverage from vehicles that are 8 years or older. You can also raise the deductible to save money on collision insurance.

Comprehensive auto insurance

This coverage covers damage that is not covered by collision coverage. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things such as vandalism, hitting a bird and hail damage. The highest amount you can receive from a comprehensive claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Coverage for medical expenses

Med pay and PIP coverage pay for bills such as X-ray expenses, hospital visits and dental work. They are used to cover expenses not covered by your health insurance plan or if there is no health insurance coverage. It covers both the driver and occupants as well as if you are hit as a while walking down the street. Personal Injury Protection is only offered in select states but it provides additional coverages not offered by medical payments coverage

One last thing about your coverage

We just covered some good ideas how to get a better price on 1997 Oldsmobile Cutlass Supreme insurance. The most important thing to understand is the more providers you compare, the more likely it is that you will get a better rate. You may be surprised to find that the lowest priced insurance comes from a small mutual company.

Affordable insurance can be sourced from both online companies and also from your neighborhood agents, and you need to price shop both to have the best chance of lowering rates. Some companies may not provide the ability to get a quote online and these smaller companies work with independent agents.

When trying to cut insurance costs, it’s not a good idea to skimp on coverage in order to save money. There are many occasions where an insured cut physical damage coverage only to regret at claim time that the small savings ended up costing them much more. Your goal should be to buy enough coverage at a price you can afford, not the least amount of coverage.

More detailed insurance information is available by following these links: