Lower Your 1991 Oldsmobile Custom Cruiser Car Insurance Rates

Trying to find better car insurance rates for your Oldsmobile Custom Cruiser? High-priced Oldsmobile Custom Cruiser insurance can sap your bank account, especially in this economy. Comparing price quotes is free, only takes a few minutes, and is a good way to slash your bill and have more diposable income.

Since you have so many choices, it’s nearly impossible to locate the most affordable insurance company.

It’s a great practice to compare premium rates periodically because car insurance prices fluctuate regularly. Despite the fact that you may have had the best rates for Custom Cruiser coverage a couple years back you can probably find a lower rate today. Forget all the misinformation about car insurance because you’re about to find out the tricks you need to know to save money, get proper deductibles and limits, all at the lowest rate.

How to get free insurance coverage quotes online

There are several ways of comparing rates from different companies. The best method to find cheaper 1991 Oldsmobile Custom Cruiser rates is to perform an online rate comparison. This is very easy and can be done in a couple minutes as outlined below.

• The single most time-saving way to find the lowest comparison rates is a comparison rater form like this one (opens in new window). This easy form eliminates the need for separate quote forms for each company. In just a few minutes this one form will return quotes from several companies.
• A less efficient way to analyze rates consists of going to the website of each company to complete a price quote. For examples sake, we’ll assume you are doing a rate comparison from Progressive, Liberty Mutual and American Family. To do that, you would have to go to every website to enter the same coverage data repeatedly, which is why the first method is more popular.

  For a list of links to companies insuring cars in your area, click here.

It’s your choice how you get your quotes, but be certain you are entering apples-to-apples coverage limits on every quote you get. If the quotes have mixed coverages it will be nearly impossible to determine the best price for your Oldsmobile Custom Cruiser. Having just a slight variation in insurance coverages or limits may result in large price differences. Just remember that more quotes helps increase your odds of locating a lower rate than you’re paying now.

Don’t overlook these car insurance discounts

Car insurance is not cheap, but you may qualify for discounts to reduce the price significantly. A few discounts will be applied at the time you complete a quote, but some need to be manually applied before they will apply. If they aren’t giving you every credit available, you’re paying more than you need to.

• Paper-free Discount – Some insurance companies will give a small break get insurance digitally online.
• Military Deployment Discount – Being on active duty in the military may lower your premium rates slightly.
• Seat Belts Save – Drivers who require all vehicle occupants to use a seat belt could save 15% off the personal injury premium cost.
• Clubs and Organizations – Participating in a qualifying organization could earn you a nice discount on your next car insurance statement.
• Theft Deterent – Cars and trucks with anti-theft systems help deter theft so companies will give you a small discount.
• Discount for Low Mileage – Low annual miles could be rewarded with better premium rates on cars that stay parked.
• Drivers Ed for Students – Reduce the cost of insurance for teen drivers by having them successfully complete driver’s ed class as it can save substantially.

It’s important to understand that some credits don’t apply to the entire policy premium. Some only apply to individual premiums such as comp or med pay. So despite the fact that it appears it’s possible to get free car insurance, you aren’t that lucky.

To choose car insurance companies that offer some of these discounts, click here.

When to get professional advice

When it comes to choosing the best insurance coverage, there is no “perfect” insurance plan. Everyone’s situation is unique and your policy should reflect that. For instance, these questions may help highlight if you may require specific advice.

• Why am I required to buy liability insurance?
• What vehicles should carry emergency assistance coverage?
• Am I covered if I wreck a rental car?
• If my 1991 Oldsmobile Custom Cruiser is totaled, can I afford another vehicle?
• Am I covered when driving on a suspended license?
• What is medical payments coverage?
• How do I file an SR-22 for a DUI in my state?

If you can’t answer these questions but one or more may apply to you then you might want to talk to a licensed agent. If you don’t have a local agent, fill out this quick form or you can also visit this page to select a carrier

Coverage specifics

Understanding the coverages of a auto insurance policy can help you determine the best coverages and proper limits and deductibles. The coverage terms in a policy can be difficult to understand and even agents have difficulty translating policy wording. Listed below are typical coverage types found on the average auto insurance policy.

Liability

This coverage can cover damage that occurs to a person or their property by causing an accident. This insurance protects YOU against other people’s claims, and doesn’t cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see policy limits of 100/300/100 which means a limit of $100,000 per injured person, a limit of $300,000 in injury protection per accident, and property damage coverage for $100,000.

Liability coverage pays for claims such as medical expenses, repair bills for other people’s vehicles and loss of income. How much liability coverage do you need? That is your choice, but consider buying as high a limit as you can afford.

Uninsured/Underinsured Motorist coverage

This coverage protects you and your vehicle when the “other guys” do not carry enough liability coverage. It can pay for injuries sustained by your vehicle’s occupants and also any damage incurred to your Oldsmobile Custom Cruiser.

Due to the fact that many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage should not be overlooked.

Comprehensive coverage

This coverage covers damage caused by mother nature, theft, vandalism and other events. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things like a broken windshield, damage from getting keyed, hail damage and damage from flooding. The highest amount a auto insurance company will pay at claim time is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Coverage for collisions

This pays for damage to your Custom Cruiser resulting from colliding with another car or object. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims like crashing into a ditch, backing into a parked car, hitting a parking meter, sideswiping another vehicle and scraping a guard rail. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are 8 years or older. You can also raise the deductible to get cheaper collision coverage.

Medical payments coverage and PIP

Coverage for medical payments and/or PIP kick in for expenses for dental work, funeral costs, surgery, doctor visits and X-ray expenses. The coverages can be utilized in addition to your health insurance program or if you are not covered by health insurance. It covers not only the driver but also the vehicle occupants and will also cover any family member struck as a pedestrian. PIP coverage is only offered in select states and may carry a deductible