View 1991 Oldsmobile Custom Cruiser Insurance Cost

Trying to find lower car insurance rates for your Oldsmobile Custom Cruiser? Feel like you’re a prisoner to high-priced car insurance? Trust us, there are lots of people in the same boat.

You have so many car insurance companies to buy insurance from, and although it’s nice to be able to choose, too many choices makes it more difficult to compare rates and find the lowest cost car insurance.

Choosing the best insurance company for you is easy if you know what you’re doing. In a nutshell, every driver who is required by state law to have car insurance will more than likely be able to find lower rates. Although car owners must understand how companies price online insurance and apply this information to your search.

How to Get Cheap Insurance

Performing a rate comparison can take hours if you aren’t aware of the most efficient way. You could waste time talking about coverages with insurance companies in your area, or you can stay home and use the web to quickly compare rates.

Many insurance companies belong to an insurance system that enables customers to submit their information once, and every company provides a quote based on that information. This system prevents you from having to do form submissions for each company you want a rate for. To submit your quote information now, click here to open in new window.

The only downside to pricing coverage this way is you can’t choose which insurance companies you will receive quotes from. So if you want to select from a list of companies to receive pricing from, we put together a list of insurance companies in your area. Click here for list of insurance companies.

It doesn’t matter which method you choose, just make darn sure you compare exactly the same deductibles and coverage limits for every quote you compare. If the quotes have different deductibles it’s not possible to find the best deal for your Oldsmobile Custom Cruiser. Just a small difference in coverages can mean a large discrepancy in price. And when price shopping your coverage, getting more free quotes will enable you to find better pricing.

Can you really save that much by switching?

Companies like State Farm, Allstate and GEICO regularly use television and radio advertisements. All the ads make the same claim that you’ll save big if you move to them. But how can every company claim to save you money? This is how they do it.

All the different companies have a certain “appetite” for the type of driver that earns them a profit. An example of a preferred risk could possibly be between the ages of 30 and 50, a clean driving record, and chooses high deductibles. A customer who matches those parameters will get very good rates and most likely will save a lot of money.

Drivers who are not a match for the requirements must pay more money which leads to the customer not buying. The ad wording is “drivers who switch” not “people who quote” save that much money. That’s the way companies can truthfully claim big savings. This illustrates why you absolutely need to compare many company’s rates. You cannot predict which insurance company will provide you with the cheapest Oldsmobile Custom Cruiser insurance rates.

Do you qualify for discounts?

Car insurance companies do not advertise every discount very clearly, so here is a list some of the best known and the harder-to-find car insurance savings.

  • Low Mileage Discounts – Keeping the miles down on your Oldsmobile could qualify for lower rates on the low mileage vehicles.
  • E-sign – Some insurance companies may give you up to $50 just for signing your application over the internet.
  • Auto/Home Discount – When you combine your home and auto insurance with one insurance company you could get a discount of 10% to 20% off each policy.
  • Anti-lock Brakes – Vehicles equipped with ABS or steering control can reduce accidents and therefore earn up to a 10% discount.
  • Government Employees – Active or retired federal employment could cut as much as 10% off on Custom Cruiser insurance with certain companies.
  • 55 and Retired – Mature drivers can possibly qualify for reduced rates on Custom Cruiser insurance.

Consumers should know that some credits don’t apply to your bottom line cost. Most cut the cost of specific coverages such as comprehensive or collision. So when it seems like you would end up receiving a 100% discount, it just doesn’t work that way.

For a list of providers with discount car insurance rates, follow this link.

Don’t assume everyone needs the same coverage

When it comes to buying proper insurance coverage, there really is not a cookie cutter policy. Coverage needs to be tailored to your specific needs and your policy should reflect that. For instance, these questions might point out if your situation may require specific advice.

  • Should I buy only the required minimum liability coverage?
  • What if I don’t agree with a claim settlement offer?
  • Am I covered if I break a side mirror?
  • Will I lose any money if I cancel my policy before it expires?
  • What are the best liability limits?
  • How can I force my company to pay a claim?

If you don’t know the answers to these questions, you may need to chat with an insurance agent. To find an agent in your area, take a second and complete this form or go to this page to view a list of companies.

Specifics of your car insurance policy

Knowing the specifics of car insurance aids in choosing which coverages you need at the best deductibles and correct limits. The terms used in a policy can be confusing and nobody wants to actually read their policy. Listed below are typical coverages found on most car insurance policies.

Med pay and Personal Injury Protection (PIP)

Coverage for medical payments and/or PIP kick in for immediate expenses for things like nursing services, funeral costs, dental work, doctor visits and pain medications. They are often used in conjunction with a health insurance policy or if you do not have health coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants and will also cover getting struck while a pedestrian. PIP coverage is not universally available and gives slightly broader coverage than med pay

Uninsured/Underinsured Motorist (UM/UIM)

This coverage protects you and your vehicle when other motorists either have no liability insurance or not enough. This coverage pays for injuries to you and your family and also any damage incurred to your 1991 Oldsmobile Custom Cruiser.

Because many people have only the minimum liability required by law, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Auto liability insurance

This can cover damage that occurs to other’s property or people in an accident. This insurance protects YOU from legal claims by others. It does not cover your own vehicle damage or injuries.

It consists of 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 per accident bodily injury limit of $300,000, and a total limit of $100,000 for damage to vehicles and property.

Liability can pay for things like court costs, legal defense fees and structural damage. How much coverage you buy is a personal decision, but it’s cheap coverage so purchase as much as you can afford.

Collision coverage

This coverage pays for damage to your Custom Cruiser caused by collision with another car or object. You have to pay a deductible then your collision coverage will kick in.

Collision coverage protects against things like hitting a mailbox, driving through your garage door, hitting a parking meter, crashing into a building and backing into a parked car. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from older vehicles. Drivers also have the option to raise the deductible in order to get cheaper collision rates.

Comprehensive insurance

Comprehensive insurance covers damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for things like damage from getting keyed, rock chips in glass, hitting a deer and hitting a bird. The maximum payout you’ll receive from a claim is the cash value of the vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Be a Smart Shopper

Cost effective 1991 Oldsmobile Custom Cruiser insurance can be purchased on the web and with local insurance agents, so compare prices from both to have the best selection. Some insurance providers do not offer online quoting and these small, regional companies work with independent agents.

When buying insurance coverage, it’s not a good idea to skimp on coverage in order to save money. Too many times, an accident victim reduced liability limits or collision coverage only to regret they didn’t have enough coverage. The ultimate goal is to buy enough coverage for the lowest price while not skimping on critical coverages.

We just showed you a lot of tips how to get a better price on insurance. It’s most important to understand that the more rate comparisons you have, the better chance you’ll have of finding lower rates. Drivers may discover the most savings is with a small local company. Some small companies can often provide lower rates in certain areas as compared to the big name companies such as Progressive or GEICO.

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