View 1991 Oldsmobile Custom Cruiser Insurance Rates

Trying to find lower auto insurance rates? Buyers have lots of choices when searching for the best price on Oldsmobile Custom Cruiser insurance. You can either spend your time calling around trying to get quotes or save time using the internet to compare rates. There is a better way to buy auto insurance so we’re going to tell you the proper way to compare rates on a Oldsmobile and locate the lowest possible price from local insurance agents and online providers.

Choosing the best insurance company for you is quite easy. If you have car insurance now, you should be able to reduce your rates substantially using this strategy. Consumers just need to understand the proper methods to shop online.

Verify you’re applying every discount

Insurance coverage is expensive, but you might find some hidden discounts that many consumers don’t even know exist. Many of these discounts will be applied automatically when you complete an application, but some must be asked about prior to getting the savings.

  • Good Grades Discount – Excelling in school can be rewarded with saving of up to 25%. This discount can apply up to age 25.
  • Theft Deterent – Vehicles with anti-theft systems are stolen with less frequency and therefore earn up to a 10% discount.
  • Paper-free Discount – Certain larger companies may give you up to $50 for buying a policy and signing up digitally online.
  • Data Collection Discounts – Drivers who agree to allow their insurance company to track driving manner by installing a telematics device such as State Farm’s In-Drive may get a rate reduction if they exhibit good driving behavior.
  • No Claim Discounts – Drivers who stay claim-free can earn big discounts as compared to drivers with a long claim history.
  • Active Military Service – Being on active deployment in the military can result in better premium rates.
  • Passive Restraints and Air Bags – Factory options such as air bags can qualify for discounts as much as 30%.
  • Seat Belt Usage – Forcing all vehicle occupants to use their safety belts could save 15% off the medical payments premium.
  • Federal Employees – Active or former government employment could qualify for a slight premium decrease for Custom Cruiser insurance with a few insurance coverage companies.

It’s important to understand that some credits don’t apply to the overall cost of the policy. Most only cut the cost of specific coverages such as comprehensive or collision. Just because it seems like having all the discounts means you get insurance for free, it just doesn’t work that way.

For a list of insurers that offer many of these discounts, follow this link.

Free insurance quotes

The majority of larger companies such as State Farm and Allstate make it easy to get pricing from their websites. Comparing prices online is pretty painless as you simply enter the amount of coverage you want into a form. Once entered, their quoting system makes automated requests for credit information and your driving record and returns pricing information based on the information you submitted.

Quoting online makes it simple to compare prices but having to visit many different websites and fill out multiple forms can be a bit repetitive. Unfortunately, it is important to do this in order to find a better rate.

A less time-consuming method to find lower prices requires only one form that gets price quotes from a lot of companies. This type of form saves time, reduces the work, and makes online quotes a little more enjoyable. After your information is entered, it is rated and you can select your choice of the pricing results. If the quotes result in lower rates, it’s easy to complete the application and purchase coverage. This process can be completed in a matter of minutes and you’ll know if lower rates are available.

If you want to find out how much you can save on insurance, simply click here to open in new window and input your coverage information. If you currently have coverage, we recommend you complete the form with coverages and limits just like they are on your policy. This guarantees you will have comparison quotes for similar insurance coverage.

When should I discuss my situation with an agent?

When it comes to choosing adequate coverage for your vehicles, there isn’t really a “best” method to buy coverage. Everyone’s needs are different.

These are some specific questions may help highlight whether your personal situation could use an agent’s help.

  • Am I covered when pulling a rental trailer?
  • Is extra glass coverage worth it?
  • Do I need an umbrella policy?
  • Should I buy full coverage?
  • Am I covered if I crash into my own garage door?
  • What is PIP insurance?
  • Do I need more liability coverage?
  • Are rental cars covered under my policy?

If you can’t answer these questions but you know they apply to you then you might want to talk to a licensed insurance agent. If you don’t have a local agent, simply complete this short form. It’s fast, free and may give you better protection.

Parts of your insurance policy

Learning about specific coverages of your insurance policy aids in choosing the right coverages for your vehicles. Policy terminology can be impossible to understand and even agents have difficulty translating policy wording.

Coverage for liability

Liability insurance protects you from damages or injuries you inflict on other people or property. This coverage protects you against claims from other people. Liability doesn’t cover your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have liability limits of 100/300/100 which means a $100,000 limit per person for injuries, a per accident bodily injury limit of $300,000, and $100,000 of coverage for damaged propery.

Liability coverage pays for claims like repair costs for stationary objects, loss of income, pain and suffering and medical expenses. How much liability coverage do you need? That is a decision to put some thought into, but buy as large an amount as possible.

Comprehensive or Other Than Collision

Comprehensive insurance pays for damage that is not covered by collision coverage. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things such as damage from getting keyed, hitting a deer, falling objects, damage from flooding and vandalism. The maximum amount a insurance company will pay at claim time is the market value of your vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Collision coverage

This pays to fix your vehicle from damage caused by collision with another car or object. A deductible applies then your collision coverage will kick in.

Collision coverage protects against claims like hitting a mailbox, driving through your garage door, colliding with a tree, sustaining damage from a pot hole and crashing into a building. This coverage can be expensive, so consider removing coverage from lower value vehicles. It’s also possible to choose a higher deductible to get cheaper collision coverage.

UM/UIM Coverage

This protects you and your vehicle’s occupants when other motorists do not carry enough liability coverage. Covered losses include hospital bills for your injuries as well as damage to your Oldsmobile Custom Cruiser.

Since a lot of drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. So UM/UIM coverage is very important.

Medical costs insurance

Personal Injury Protection (PIP) and medical payments coverage provide coverage for bills for EMT expenses, dental work, doctor visits, hospital visits and surgery. The coverages can be used to cover expenses not covered by your health insurance plan or if there is no health insurance coverage. Medical payments and PIP cover all vehicle occupants and also covers being hit by a car walking across the street. Personal injury protection coverage is not available in all states but can be used in place of medical payments coverage

Quote more. Save more.

You just learned some good ideas how to get a better price on 1991 Oldsmobile Custom Cruiser insurance. The key thing to remember is the more times you quote, the more likely it is that you will get a better rate. You may even find the best price on car insurance is with a company that doesn’t do a lot of advertising.

When buying insurance coverage, it’s a bad idea to buy lower coverage limits just to save a few bucks. In too many instances, an accident victim reduced liability coverage limits only to find out that they should have had better coverage. The proper strategy is to buy enough coverage at the best price and still be able to protect your assets.

Low-cost 1991 Oldsmobile Custom Cruiser insurance is available both online and from local agencies, and you need to price shop both to have the best selection. Some car insurance companies do not provide online rate quotes and these small, regional companies only sell through local independent agents.

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