1997 Oldsmobile Cutlass Car Insurance Rates

Looking for better insurance coverage rates for your Oldsmobile Cutlass? Paying for high-priced Oldsmobile Cutlass insurance can take a big chunk out of your checking account and force you to prioritize other expenses. Comparison shopping is free, only takes a few minutes, and is a good way to lower your monthly bill. Many car insurance companies vie for your insurance dollar, so it’s not easy to compare every provider and get the definite best price available.

Consumers should take time to price shop coverage occasionally because prices are usually higher with each renewal. Even if you think you had the best rates on Cutlass insurance two years ago you can probably find a better price now. Forget all the misinformation about insurance coverage because I’m going to let you in on the secrets to one of the easiest ways to find the best coverage while lowering your premiums.

Insurance Coverage Comparison Rates

Finding lower insurance coverage rates is surprisingly easy. The only requirement is to spend a few minutes comparing rates online from several insurance companies. It is quite easy and can be accomplished using a couple different methods.

The best way consumers can make multiple comparisons would be an industry-wide quote request form click to view form in new window. This method saves time by eliminating multiple quote forms for each company. Completing one form gets you coverage quotes from all major companies.

A different way to compare prices consists of going to each company’s website and complete a new quote form. For instance, we’ll assume you want to compare Liberty Mutual, Allstate and GMAC. To find out each rate you need to spend time on each company’s site and enter your information, which is why the first method is more popular. For a list of links to insurance companies in your area, click here.

The most time-consuming way of comparing rate quotes is driving to different agent offices. The internet makes this process obsolete unless you require the professional guidance of a licensed agent. You can, however, compare online quotes and still use a local agent and we’ll cover that in a bit.

However you get your quotes, be sure to compare the exact same coverages on every quote. If your comparisons have mixed coverages it’s not possible to determine the lowest rate for your Oldsmobile Cutlass.

It’s not one size fits all

When it comes to choosing the best insurance coverage coverage for your vehicles, there isn’t really a cookie cutter policy. Everyone’s needs are different so your insurance needs to address that. These are some specific questions can help discover if your situation will benefit from professional help.

Are rental cars covered under my policy?
Can I get a multi-policy discount for packaging my home and auto coverage?
How high should deductibles be on a 1997 Oldsmobile Cutlass?
Am I covered when driving a rental car?
Is a fancy paint job covered?
When does my teenage driver need to be added to my policy?
Will my rates increase for filing one claim?
When would I need rental car insurance?
If my 1997 Oldsmobile Cutlass is totaled, can I afford another vehicle?

If you’re not sure about those questions but you know they apply to you, you may need to chat with a licensed insurance agent. If you don’t have a local agent, simply complete this short form or you can go here for a list of companies in your area. It’s fast, free and you can get the answers you need.

Car insurance specifics

Knowing the specifics of your policy aids in choosing the right coverages and proper limits and deductibles. The coverage terms in a policy can be difficult to understand and coverage can change by endorsement. Below you’ll find typical coverages available from car insurance companies.

Uninsured/Underinsured Motorist coverage

This protects you and your vehicle’s occupants when the “other guys” are uninsured or don’t have enough coverage. It can pay for injuries to you and your family and damage to your Oldsmobile Cutlass.

Since a lot of drivers only carry the minimum required liability limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Frequently the UM/UIM limits are similar to your liability insurance amounts.

Liability coverage

Liability insurance can cover damage or injury you incur to other people or property in an accident. This coverage protects you against claims from other people, and doesn’t cover damage sustained by your vehicle in an accident.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show limits of 25/50/25 that means you have $25,000 in coverage for each person’s injuries, a per accident bodily injury limit of $50,000, and property damage coverage for $25,000. Occasionally you may see a combined limit that pays claims from the same limit with no separate limits for injury or property damage.

Liability coverage pays for claims like structural damage, attorney fees and pain and suffering. How much liability should you purchase? That is up to you, but you should buy as high a limit as you can afford.

Auto collision coverage

Collision coverage pays for damage to your Cutlass caused by collision with another car or object. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for things like scraping a guard rail, colliding with another moving vehicle, damaging your car on a curb and driving through your garage door. Collision is rather expensive coverage, so consider dropping it from older vehicles. It’s also possible to bump up the deductible to bring the cost down.

Comprehensive coverage

Comprehensive insurance will pay to fix damage from a wide range of events other than collision. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers things such as a broken windshield, theft, hitting a bird and damage from getting keyed. The highest amount a car insurance company will pay at claim time is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Medical payments coverage and PIP

Med pay and PIP coverage pay for expenses such as pain medications, nursing services and surgery. The coverages can be used to fill the gap from your health insurance program or if you lack health insurance entirely. It covers all vehicle occupants and also covers if you are hit as a while walking down the street. Personal Injury Protection is not an option in every state but can be used in place of medical payments coverage