1990 Oldsmobile Cutlass Supreme Car Insurance Quotes – 10 Tips for Best Rates

Buyers have a choice when searching for the best price on Oldsmobile Cutlass Supreme insurance. You can either spend your time contacting agents to get rate comparisons or use the internet to make rate comparisons. There are more efficient ways to compare car insurance rates so we’re going to tell you the quickest way to compare rates for a new or used Oldsmobile and find the lowest possible price from both online companies and local agents.

It’s important to get comparison quotes once or twice a year because prices trend upward over time. Despite the fact that you may have had the lowest quotes on Cutlass Supreme coverage a year ago there may be better deals available now. Forget all the misinformation about car insurance because I’m going to teach you the quickest way to find better rates and still maintain coverage.

Insurance coverage policy discounts

Some insurance providers don’t list every policy discount very well, so the next list breaks down some of the best known and also the more inconspicuous credits that you can use to lower your rates.

• Discounts for Good Drivers – Insureds who avoid accidents may save up to 50% more on Cutlass Supreme coverage than drivers with accident claims.
• Mature Driver Discount – Drivers over the age of 55 may be able to get a small discount on rates on Cutlass Supreme coverage.
• Save with a New Car – Buying a new car instead of a used car may earn a small discount because new vehicles have to meet stringent safety requirements.
• Good Grades Discount – Performing well in school could provide a savings of up to 20% or more. The discount lasts well after school through age 25.
• Student in College – Kids who attend college more than 100 miles from home and won’t have access to an insured vehicle can receive lower rates.
• No Charge for an Accident – Not really a discount, but companies like State Farm and Geico will turn a blind eye to one accident without the usual rate increase so long as you are claim-free before the accident.
• Homeowners Discount – Owning your own home or condo can get you a discount due to the fact that maintaining a home is proof that your finances are in order.
• Sign Early and Save – A few insurance coverage companies give discounts for renewing your policy prior to your current policy expiring. This discount can save up to 10%.
• Anti-lock Brake Discount – Cars and trucks that have anti-lock braking systems have fewer accidents and therefore earn up to a 10% discount.
• Federal Employees – Active or former government employment could cut as much as 10% off on Cutlass Supreme coverage with select insurance companies.

While discounts sound great, it’s important to understand that many deductions do not apply to the entire cost. A few only apply to the cost of specific coverages such as physical damage coverage or medical payments. Even though it may seem like you would end up receiving a 100% discount, it doesn’t quite work that way. But all discounts will help lower your insurance coverage premiums.

Popular insurance coverage companies and a partial list of their discounts are shown below.

• State Farm policyholders can earn discounts including anti-theft, multiple autos, driver’s education, accident-free, and good driver.
• Farmers Insurance offers discounts including youthful driver, homeowner, mature driver, alternative fuel, teen driver, and electronic funds transfer.
• Progressive may have discounts that include continuous coverage, multi-policy, online signing, multi-vehicle, and online quote discount.
• Geico offers discounts for daytime running lights, membership and employees, military active duty, anti-lock brakes, multi-policy, and defensive driver.
• Auto-Owners Insurance includes discounts for safe driver, multiple vehicles, multi-policy, anti-lock brakes, student away at school, and company car.
• The Hartford discounts include defensive driver, air bag, anti-theft, bundle, vehicle fuel type, and good student.
• Farm Bureau may offer discounts for safe driver, driver training, multi-policy, youthful driver, and good student.
• USAA offers premium reductions for annual mileage, multi-vehicle, multi-policy, military installation, and good student.

If you need lower rates, check with every prospective company which discounts can lower your rates. Savings might not be offered on policies in your area. If you would like to view insurance companies that offer many of these discounts, click here.

How do I know if I need professional advice?

When it comes to buying the best insurance coverage for your personal vehicles, there is no cookie cutter policy. Everyone’s situation is unique.

For example, these questions might point out if your insurance needs may require specific advice.

• What is the rate difference between pleasure use and commuting?
• When does my teenage driver need to be added to my policy?
• When should I not file a claim?
• Do I need replacement cost coverage on my 1990 Oldsmobile Cutlass Supreme?
• What is covered by UM/UIM coverage?
• Is my babysitter covered when using my vehicle?
• Do I pay less for low miles?
• Are my friends covered when driving my 1990 Oldsmobile Cutlass Supreme?

If it’s difficult to answer those questions then you might want to talk to a licensed insurance agent. To find an agent in your area, fill out this quick form. It’s fast, doesn’t cost anything and may give you better protection.

Educate yourself about auto insurance coverages

Having a good grasp of a auto insurance policy helps when choosing the right coverages and proper limits and deductibles. The terms used in a policy can be impossible to understand and coverage can change by endorsement.

Uninsured Motorist or Underinsured Motorist insurance

Uninsured or Underinsured Motorist coverage provides protection when other motorists either have no liability insurance or not enough. Covered claims include injuries to you and your family as well as damage to your Oldsmobile Cutlass Supreme.

Due to the fact that many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. So UM/UIM coverage is a good idea.

Insurance for medical payments

Med pay and PIP coverage reimburse you for short-term medical expenses such as funeral costs, prosthetic devices, rehabilitation expenses and doctor visits. The coverages can be utilized in addition to your health insurance program or if you do not have health coverage. It covers all vehicle occupants in addition to getting struck while a pedestrian. PIP coverage is only offered in select states but can be used in place of medical payments coverage

Collision coverage

This pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. A deductible applies then your collision coverage will kick in.

Collision coverage pays for things such as crashing into a ditch, driving through your garage door, rolling your car, scraping a guard rail and colliding with a tree. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are older. You can also raise the deductible to save money on collision insurance.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance coverage covers damage that is not covered by collision coverage. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things like fire damage, hitting a bird, theft and falling objects. The highest amount a auto insurance company will pay at claim time is the actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Liability

Liability coverage will cover injuries or damage you cause to people or other property by causing an accident. It protects YOU against claims from other people, and doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see liability limits of 100/300/100 which means a $100,000 limit per person for injuries, $300,000 for the entire accident, and a limit of $100,000 paid for damaged property.

Liability coverage protects against claims such as emergency aid, loss of income, medical expenses and pain and suffering. How much liability should you purchase? That is a personal decision, but consider buying as high a limit as you can afford.

Better coverage you can count on

As you go through the steps to switch your coverage, it’s a bad idea to skimp on critical coverages to save a buck or two. There have been many situations where someone dropped full coverage and learned later that the few dollars in savings costed them thousands. The goal is to buy enough coverage at the best possible price while still protecting your assets.

Cheaper 1990 Oldsmobile Cutlass Supreme insurance is available online in addition to many insurance agents, and you should be comparing both so you have a total pricing picture. There are still a few companies who do not provide online quoting and usually these smaller companies provide coverage only through independent agents.

Consumers switch companies for any number of reasons including being labeled a high risk driver, policy cancellation, unfair underwriting practices or even high rates after DUI convictions. Regardless of your reason, finding a great new company is not as hard as you think.

More detailed insurance information is available in the articles below:

• If I File a Claim will My Insurance Go Up? (Insurance Information Insitute)
• Prom Night Tips for Teen Drivers (State Farm)
• Young Drivers: The High Risk Years Video (iihs.org)
• Preventing Carjacking and Theft (Insurance Information Insitute)
• What Determines the Price of My Auto Insurance Policy? (Insurance Information Insitute)
• How to Avoid Common Accidents (State Farm)