1990 Oldsmobile Custom Cruiser Car Insurance Rates – 10 Savings Tips

Looking for cheaper auto insurance rates for your Oldsmobile Custom Cruiser? If you are new to online price comparisons, by this point your are probably overwhelmed by the crazy number local agents and online companies offering insurance.

It’s important to price shop coverage as often as possible since prices are adjusted regularly by insurance companies. Even if you got the best price for Custom Cruiser coverage two years ago other companies may now be cheaper. Block out anything you think you know about auto insurance because you’re about to find out the best way to get good coverage at a lower rate.

If you currently have car insurance, you stand a good chance to be able to cut costs considerably using these techniques. The purpose of this post is to help educate you on how car insurance quotes work and some money-saving tips. But vehicle owners need to have an understanding of the way insurance companies market insurance on the web and use this information to your advantage.

First Step: Get free insurance quotes

To get inexpensive car insurance quotes, there a variety of ways to compare quotes from all the different companies. The easiest way to lower the rate you pay for Oldsmobile Custom Cruiser insurance involves getting comparison quotes online. This can be done using a couple different methods.

Without a doubt, the easiest way consumers can make multiple comparisons is a comparison rater form like this one (opens in new window). This easy form saves time by eliminating repetitive form entry for each company. A single form gets you coverage quotes from insurance companies with the best prices. This is perfect if you don’t have a lot of time.

A less efficient way to get quotes online is spending the time to visit the website for every company you want to comare to complete their respective quote request forms. For sake of this example, let’s say you want rates from Progressive, Allstate and Travelers. You would be required to go to every website and repeatedly enter your information, and that explains why we recommend the first method.

To view a list of companies in your area, click here.

However you get your quotes, make sure you use identical information for every company. If your comparisons have unequal deductibles or liability limits it will be very difficult to determine the lowest rate for your Oldsmobile Custom Cruiser. Just slight variations in insurance coverages or limits may result in large price differences. And when comparing insurance rates, know that quoting more increases your odds of finding the best rates.

Can you really save that much by switching?

Insurance providers like State Farm, Allstate and Geico regularly use ads on television and other media. All the companies seem to make the promise about saving some big amount if you just switch your policy. How does every insurance company claim to save you money? This is the way they can do it.

Insurance companies are able to cherry pick for the type of customer they prefer to insure. One example of a profitable customer may need to be a married female, is a homeowner, and chooses high deductibles. A propective insured that meets those criteria will probably get cheap prices and will also save some money.

People who don’t measure up to those standards will be quoted higher premium rates and this can result in business not being written. If you pay close attention to the ads, they say “drivers that switch” not “everyone who quotes” will save that much if they switch. That is how companies can make those statements. Each company has different criteria, so you absolutely need to compare price quotes frequently. Because without a comparison, you cannot know which company will have the best prices.

Cheap insurance rates with discounts

Insurance can cost an arm and a leg, but you can get discounts that can drop the cost substantially. Many of these discounts will be applied automatically at the time you complete a quote, but lesser-known reductions have to be inquired about before they will apply.

• Driver’s Education for Students – Have your child enroll in driver’s education in high school.
• Military Deployment Discount – Being deployed with a military unit may qualify for rate reductions.
• Mature Driver Discount – Drivers over the age of 55 can get a small discount on rates for Custom Cruiser coverage.
• Save with a New Car – Putting insurance coverage on a new car can save up to 30% since newer vehicles are generally safer.
• Cautious Driver Discounts – Safe drivers may receive a discount up to 45% for Custom Cruiser coverage than drivers with accidents.
• E-sign Discounts
• Student Discounts – A discount for being a good student can save 20 to 25%. The good student discount can last up to age 25.
• Early Switch Discount – A few insurance companies give discounts for buying a new policy early. This can save 10% or more.
• Defensive Driver Discount – Successfully completing a safe driver class could earn you a small percentage discount if your company offers it.
• Theft Deterent – Vehicles equipped with anti-theft or alarm systems have a lower chance of being stolen and that can save you a little bit as well.

Discounts reduce rates, but you should keep in mind that most credits do not apply to your bottom line cost. Some only apply to individual premiums such as physical damage coverage or medical payments. Despite the appearance that adding up those discounts means a free policy, it doesn’t quite work that way.

A few of the larger companies and their offered discounts are included below.

• Progressive offers discounts for multi-policy, homeowner, online quote discount, multi-vehicle, continuous coverage, online signing, and good student.
• AAA has discounts for anti-theft, good student, good driver, education and occupation, multi-car, and multi-policy.
• Farmers Insurance includes discounts for mature driver, electronic funds transfer, switch companies, bundle discounts, youthful driver, and alternative fuel.
• Geico has savings for air bags, membership and employees, multi-vehicle, good student, anti-theft, and emergency military deployment.
• Esurance may offer discounts for online quote, defensive driver, online shopper, claim free, emergency road assistance, safety device, and good driver.
• SAFECO policyholders can earn discounts including teen safe driver, teen safety rewards, multi-car, anti-lock brakes, and drive less.
• State Farm offers premium reductions for safe vehicle, anti-theft, defensive driving training, good student, student away at school, multiple policy, and driver’s education.

Before purchasing a policy, check with every prospective company which discounts you qualify for. A few discounts may not apply in your area. If you would like to view insurers that provide some of the discounts listed above, click here.

Tailor your insurance coverage coverage to you

When buying the right insurance coverage for your vehicles, there really is no “perfect” insurance plan. Every situation is different.

These are some specific questions may help you determine if you may require specific advice.

• Can I drive in Mexico and have coverage?
• Does coverage extend to a rental car in a foreign country?
• Does my car insurance cover rental cars?
• Does liability extend to a camper or trailer?
• Does my 1990 Oldsmobile Custom Cruiser need full coverage?
• Why am I required to buy liability insurance?

If it’s difficult to answer those questions but a few of them apply, you may need to chat with an agent. If you want to speak to an agent in your area, fill out this quick form.

Insurance policy specifics

Having a good grasp of insurance aids in choosing appropriate coverage and the correct deductibles and limits. Insurance terms can be difficult to understand and nobody wants to actually read their policy.

Liability

This provides protection from damages or injuries you inflict on a person or their property in an accident. It protects YOU against claims from other people. It does not 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. You commonly see values of 25/50/25 which means a $25,000 limit per person for injuries, a total of $50,000 of bodily injury coverage per accident, and a total limit of $25,000 for damage to vehicles and property.

Liability insurance covers things such as structural damage, pain and suffering, legal defense fees, medical expenses and emergency aid. How much liability coverage do you need? That is your choice, but you should buy as much as you can afford.

Medical costs insurance

Medical payments and Personal Injury Protection insurance pay for bills like ambulance fees, hospital visits, dental work, funeral costs and prosthetic devices. The coverages can be used in conjunction with a health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover you and your occupants as well as getting struck while a pedestrian. Personal Injury Protection is only offered in select states and gives slightly broader coverage than med pay

Comprehensive or Other Than Collision

This covers damage OTHER than collision with another vehicle or object. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims like rock chips in glass, a broken windshield and damage from flooding. The maximum amount you can receive from a comprehensive claim is the actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

UM/UIM Coverage

Your UM/UIM coverage protects you and your vehicle’s occupants from other motorists when they do not carry enough liability coverage. Covered losses include injuries to you and your family and damage to your Oldsmobile Custom Cruiser.

Since many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Collision protection

This pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers claims such as crashing into a ditch, backing into a parked car, colliding with a tree, colliding with another moving vehicle and scraping a guard rail. This coverage can be expensive, so consider dropping it from older vehicles. Another option is to choose a higher deductible in order to get cheaper collision rates.

Buy Smart and Save

Drivers leave their current company for many reasons like policy non-renewal, being labeled a high risk driver, not issuing a premium refund or even lack of trust in their agent. Regardless of your reason, finding a new car insurance company can be easy and end up saving you some money.

When searching for affordable car insurance quotes, you should never buy lower coverage limits just to save a few bucks. There are a lot of situations where an insured dropped liability coverage limits only to find out that their decision to reduce coverage ended up costing them more. The aim is to buy enough coverage at an affordable rate while still protecting your assets.

Discount 1990 Oldsmobile Custom Cruiser insurance is possible from both online companies and with local insurance agents, so you need to shop car insurance with both to have the best chance of lowering rates. Some companies do not provide the ability to get quotes online and these smaller providers work with independent insurance agencies.

More information

• Eight Auto Insurance Myths (Insurance Information Insitute)
• Side Impact Crash Tests (iihs.org)
• How to Avoid Common Accidents (State Farm)
• If I File a Claim will My Insurance Go Up? (Insurance Information Insitute)