Cheap 1994 Oldsmobile Cutlass Supreme Car Insurance Cost

Being forced to pay for overpriced car insurance premiums can take a big chunk out of your budget and put a big crunch on your finances. Comparing cost estimates can be a smart way to lower your bills every month.

Many auto insurance companies compete for your business, so it’s not easy to compare every provider to find the absolute cheapest price

Consumers should take time to get comparison quotes once or twice a year due to the fact that insurance prices go up and down regularly. Even if you think you had the best deal on Cutlass Supreme coverage six months ago you may be paying too much now. Block out anything you think you know about car insurance because we’re going to show you the things you must know in order to reduce your cost while increasing coverage.

If you are insured now or are just looking to switch companies, you can use these tips to shop for the lowest rates and still get good coverage. Finding affordable coverage is not rocket science. Drivers just need to learn how to find the lowest price online.

Buy car insurance online

Effectively comparing car insurance prices can be a lot of work if you don’t understand the most efficient way. You can waste hours talking about coverages with insurance agencies in your area, or you can stay home and use the internet for quick rates.

Many companies belong to a marketplace that enables customers to enter their coverage request one time, and at least one company returns a rated price based on that information. This system prevents you from having to do form submissions for each company.

To access this free quoting program, click here to open in new window.

One minor caviat to using this type of form is that you can’t choose which providers to get pricing from. So if you prefer to pick specific providers to request quotes from, we have a page of low cost car insurance companies in your area. Click to view list.

The method you choose is up to you, but do your best to use equivalent coverage information with every price quote. If you enter mixed coverages you will not be able to find the best deal for your Oldsmobile Cutlass Supreme.

You may qualify for discounts

Auto insurance can be pricey, but there could be significant discounts to reduce the price significantly. Larger premium reductions will be automatically applied at the time of quoting, but a few must be inquired about prior to receiving the credit.

  • No Claim Discounts – Drivers who stay claim-free pay less when compared with policyholders that have many claims.
  • Safety Course Discount – Participating in a course teaching driver safety skills may get you a small discount and also improve your driving technique.
  • Distant Student Discount – Any of your kids who attend college more than 100 miles from home and leave their car at home could get you a discount.
  • Discounts for Federal Employees – Simply working for the federal government can earn a discount up to 10% on Cutlass Supreme coverage with select insurance companies.
  • Air Bag Discount – Options like air bags can get savings of more than 20%.
  • Homeowners Pay Less – Just being a homeowner can earn you a little savings because of the fact that having a home means you have a higher level of financial diligence.

One last thing about discounts, most discount credits are not given the the whole policy. Some only reduce the cost of specific coverages such as collision or personal injury protection. If you do the math and it seems like it’s possible to get free car insurance, companies don’t profit that way.

To see companies who offer auto insurance discounts, click here to view.

Learn how to quote insurance coverage at a discount

Many different elements are part of the calculation when you quote your car insurance policy. Most are fairly basic like an MVR report, although others are more obscure like your vehicle usage or how safe your car is.

The itemized list below are some of the factors that factor into your rates.

  • Cheaper premiums with safer cars – Vehicles that have high safety ratings tend to be cheaper to insure. The safest vehicles have better occupant injury protection and fewer serious injuries means less money paid by your insurance company and more competitive rates for policyholders.
  • Too many policy claims drive up prices – If you tend to file frequent claims, don’t be surprised to see increased rates or even have your policy non-renewed. Car insurance companies give the best rates to insureds who are claim-free. Auto insurance is intended to be relied upon for the large, substantial claims.
  • Car plus home equals more savings – Some insurers give better rates to policyholders who carry more than one policy, otherwise known as a multi-policy discount. If you currently are using one company, it’s still a good idea to check prices from other companies to confirm you are receiving the best rates possible.There is a good possibility that you can save even more than the discount even if you insure with multiple companies
  • Higher coverage deductibles are cheaper – The deductibles are the amount of money you are required to pay before your insurance coverage pays a claim. Physical damage insurance, also called ‘full coverage’, protects your car from damage. Some examples of covered claims would be collision with another vehicle, vandalism, and having a roll-over accident. The more you are required to pay out-of-pocket, the less your company will charge you for insurance on Cutlass Supreme coverage.
  • Get better rates if married – Walking down the aisle helps lower the price on your insurance coverage bill. Having a significant other usually means you are less irresponsible and statistics show married drivers tend to have fewer serious accidents.

There’s no such thing as the perfect auto insurance policy

When it comes to choosing the best auto insurance coverage for your personal vehicles, there isn’t really a single plan that fits everyone. Everyone’s situation is a little different so this has to be addressed. For example, these questions can help discover whether or not you may require specific advice.

  • Should I buy full coverage?
  • Am I covered if I hit my neighbor’s mailbox?
  • Are rock chip repairs covered?
  • How high should my medical payments coverage be?
  • What is the minimum liability in my state?
  • Am I covered when driving on a suspended license?
  • When can my company non-renew my policy?
  • At what point should I drop full coverage?
  • Am I covered when driving a rental car?

If it’s difficult to answer those questions but one or more may apply to you, you might consider talking to an insurance agent. To find lower rates from a local agent, take a second and complete this form or go to this page to view a list of companies. It’s fast, doesn’t cost anything and can help protect your family.

Smaller companies may have the best rates

Consumers can’t escape the ads for the lowest price insurance coverage from companies such as Allstate, GEICO and Progressive. They all seem to have a common claim about how much you will save if you switch your policy.

But how can every company make almost identical claims? This is the way they can do it.

All the different companies quote their cheapest rates for the driver that will most likely be profitable. An example of this type of driver might be described as married and over the age of 30, owns a home, and the vehicle is rated for pleasure use. A propective insured that hits that “sweet spot” is entitled to the best price and will save quite a bit of money when switching.

People who fall outside this ideal profile will see higher premiums and ends up with the customer buying from someone else. Company advertisements say “customers that switch” not “everyone that quotes” save money. That is how companies can truthfully make claims that they all have the best prices.

Because of these techniques, you absolutely need to do a price quote comparison at every renewal. It is just not possible to predict which company will have the lowest rates.

Coverages available on your policy

Having a good grasp of car insurance can help you determine which coverages you need at the best deductibles and correct limits. The terms used in a policy can be ambiguous and even agents have difficulty translating policy wording. Below you’ll find the usual coverages found on the average car insurance policy.

Med pay and Personal Injury Protection (PIP)

Coverage for medical payments and/or PIP kick in for short-term medical expenses for things like X-ray expenses, doctor visits, prosthetic devices, pain medications and hospital visits. They can be used in conjunction with a health insurance policy or if you lack health insurance entirely. They cover not only the driver but also the vehicle occupants and will also cover being hit by a car walking across the street. Personal Injury Protection is not an option in every state and gives slightly broader coverage than med pay

Collision protection

Collision coverage pays for damage to your Cutlass Supreme resulting from colliding with a stationary object or other vehicle. A deductible applies then your collision coverage will kick in.

Collision coverage pays for claims such as crashing into a building, hitting a parking meter and driving through your garage door. Collision coverage makes up a good portion of your premium, so consider dropping it from lower value vehicles. Another option is to increase the deductible to bring the cost down.


This can cover damage or injury you incur to people or other property by causing an accident. This insurance protects YOU against other people’s claims, and doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have liability limits of 100/300/100 which stand for $100,000 bodily injury coverage, a limit of $300,000 in injury protection per accident, and a limit of $100,000 paid for damaged property. Some companies may use one limit called combined single limit (CSL) which provides one coverage limit and claims can be made without the split limit restrictions.

Liability coverage pays for things such as repair bills for other people’s vehicles, loss of income and medical services. How much liability coverage do you need? That is up to you, but buy higher limits if possible.

Comprehensive insurance

This coverage covers damage from a wide range of events other than collision. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims such as a tree branch falling on your vehicle, a broken windshield and hail damage. The most a car insurance company will pay at claim time is the market value of your vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

Uninsured/Underinsured Motorist (UM/UIM)

Your UM/UIM coverage protects you and your vehicle’s occupants from other motorists when they are uninsured or don’t have enough coverage. This coverage pays for medical payments for you and your occupants as well as damage to your 1994 Oldsmobile Cutlass Supreme.

Because many people carry very low liability coverage limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is a good idea. Usually these coverages are set the same as your liablity limits.

Shop smart and save

In this article, we covered some good ideas how you can shop for 1994 Oldsmobile Cutlass Supreme insurance online. The most important thing to understand is the more you quote car insurance, the better your chances of lowering your premium rates. Drivers may discover the lowest car insurance rates come from some of the smallest insurance companies. These companies often have lower premium rates on specific markets than the large multi-state companies such as State Farm and Allstate.

As you shop your coverage around, you should never reduce needed coverages to save money. In many instances, someone dropped collision coverage only to regret that it was a big error on their part. Your focus should be to purchase a proper amount of coverage at the lowest possible cost.

More information is available at the links below