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Oldsmobile Cutlass Insurance Cost

Comparing auto insurance by comparing rates online can be fast and easy and at the same time you can save money. The most important part is getting as many rate quotes as possible so you can compare all possible prices.

If you've never shopped for auto insurance online, it's easy to be confused by the hoards of auto insurance companies offering insurance. Finding cheaper coverage prices can be quick and easy. All you need to do is take the time getting comparison quotes provided by online insurance companies. This can be done by visiting this page.

Which factors influence car insurance premiums?

Car insurance premiums for a Oldsmobile Cutlass can be significantly different depending on several factors. Taken into consideration are:

  • A clean driving record keeps rates low
  • Better credit means lower rates
  • Men typically pay more than women
  • Higher deductibles save money
  • Your vehicle's safety rating
  • Your claim history
  • No coverage lapses saves money
  • Whether you rent or own your home

An additional factor that can impact Cutlass insurance cost is the year of the vehicle. A newer vehicle have a higher value than older models so the cost to replace them may end up costing you more. Conversely, more recent Oldsmobile vehicles may have safety features such as adaptive cruise control, lane departure warning system, and pedestrian detection that may help provide discounts that lower premiums.

To get a better idea how rates are influenced for your specific model year, select the year of your vehicle from available model years below.

Auto liability insurance

This coverage will cover damages or injuries you inflict on other people or property. Liability coverage protects against things such as emergency aid, pain and suffering, and medical services. Coverage is generally pretty cheap so you should buy as large an amount as possible.

Collision protection

This coverage will pay to fix damage to your Oldsmobile caused by collision with an object or car. You first must pay a deductible then your collision coverage will kick in. Cutlass collision insurance is rather expensive coverage, so you might think about dropping it from older vehicles. Another option is to raise the deductible to bring the cost down.

Comprehensive insurance

Comprehensive insurance will pay to fix damage that is not covered by collision coverage. A deductible will apply and then insurance will cover the rest of the damage. The highest amount you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle is not worth much it's not worth carrying full coverage.

Uninsured or underinsured coverage

This gives you protection from other drivers when they are uninsured or don't have enough coverage. Because many people only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. So UM/UIM coverage is a good idea.

Med pay and Personal Injury Protection (PIP)

Personal Injury Protection (PIP) and medical payments coverage pay for expenses such as doctor visits, EMT expenses, and X-ray expenses. The coverages can be used to fill the gap from your health insurance policy or if you do not have health coverage. Personal Injury Protection is only offered in select states but can be used in place of medical payments coverage.

How Much are Oldsmobile Cutlass Insurance Rates?