Save on 1992 Oldsmobile Custom Cruiser Insurance Rates

Searching for the cheapest insurance coverage rates for your Oldsmobile Custom Cruiser? Comparison shopping for low cost insurance coverage might be difficult for drivers new to shopping for insurance online. Because there are so many insurers available, it can quickly become a difficult situation to find better rates.

It’s important to take a look at other company’s rates before your policy renews because insurance rates fluctuate regularly. Despite the fact that you may have had the lowest rate for Custom Cruiser insurance a couple years back a different company probably has better prices today. Block out anything you think you know about insurance coverage because you’re about to learn one of the best ways to reduce your cost while increasing coverage.

Compare free car insurance price quotes

There are a variety of methods to shop for car insurance, but there is one way that is more efficient than others. You can waste a lot of time driving to insurance companies in your area, or you could use online quotes to get rate comparisons in just a few minutes.

Most car insurance companies are enrolled in a marketplace that enables customers to only type in their quote data once, and each company can give them a price based on that information. This prevents consumers from doing form submissions to each company.

To participate in this free quote system, click here to open in new window.

The only drawback to getting quotes like this is you can’t choose which providers you will receive quotes from. So if you prefer to choose from a list of companies to compare, we have assembled a list of companies who write car insurance in your area. Click here for list of insurance companies.

The approach you take is up to you, just be certain you are entering apples-to-apples coverage information for each comparison quote. If your comparisons have different data it’s not possible to find the best deal for your Oldsmobile Custom Cruiser. Just slight variations in coverages may cause a big price difference. Keep in mind that comparing more company’s prices will increase your chances of finding a better price.

Do you qualify for discount auto insurance?

Not many people think insurance is cheap, but you might be missing out on some discounts that may help make it more affordable. A few discounts will be applied at quote time, but a few must be specially asked for before they will apply.

• Discount for Good Grades – This discount may save as much as 25% on a insurance coverage quote. The good student discount can last well after school through age 25.
• Multi-policy Discount – If you can bundle your auto and homeowners insurance with the same insurance company you may save over 10 percent off each policy depending on the company.
• Senior Citizens – If you’re over the age of 55, you may be able to get lower premium rates for Custom Cruiser insurance.
• Federal Employees – Being employed by or retired from a federal job can save as much as 8% for Custom Cruiser insurance with select insurance companies.
• Discount for Low Mileage – Driving fewer miles could qualify for cheaper prices.
• Student Discount for Driver Training – Have your child enroll and complete driver’s education if offered at their school.
• Payment Method – By paying your policy upfront instead of paying each month you can actually save on your bill.
• Telematics Data – People who choose to allow driving data submission to monitor their driving habits remotely like Drivewise from Allstate or In-Drive from State Farm could see a rate decrease as long as they are good drivers.
• Multi-car Discount – Drivers who insure multiple cars or trucks on one policy may reduce the rate for each vehicle.

Please keep in mind that most of the big mark downs will not be given the the whole policy. Some only reduce the cost of specific coverages such as physical damage coverage or medical payments. Just because you may think it’s possible to get free car insurance, nobody gets a free ride.

To see a list of providers that have a full spectrum of discounts, click here.

What insurance coverages do I need?

When it comes to choosing the best insurance coverage coverage, there is no best way to insure your cars. Everyone’s needs are different.

For instance, these questions might point out if you might need an agent’s assistance.

• How do I file an SR-22 for a DUI in my state?
• Are there companies who specialize in insuring high-risk drivers?
• When does my teenage driver need to be added to my policy?
• Is my ex-spouse still covered by my policy?
• Should I get collision insurance on every vehicle?
• Can I get a multi-policy discount for packaging my home and auto coverage?
• Does my 1992 Oldsmobile Custom Cruiser qualify for pleasure use?
• How high should my uninsured/underinsured coverage be in my state?
• Does coverage extend to my business vehicle?
• Will filing a claim cost me more?

If you don’t know the answers to these questions but one or more may apply to you, you may need to chat with a licensed insurance agent. To find an agent in your area, complete this form.

Coverages available on your auto insurance policy

Learning about specific coverages of auto insurance aids in choosing the right coverages for your vehicles. The terms used in a policy can be difficult to understand and even agents have difficulty translating policy wording.

Comprehensive or Other Than Collision

This will pay to fix damage that is not covered by collision coverage. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims such as theft, damage from a tornado or hurricane, hitting a deer, damage from getting keyed and fire damage. The most your auto insurance company will pay is the ACV or actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Collision protection

Collision insurance pays to fix your vehicle from damage from colliding with another car or object. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims like hitting a mailbox, sustaining damage from a pot hole and colliding with a tree. Collision is rather expensive coverage, so consider dropping it from older vehicles. You can also increase the deductible to save money on collision insurance.

UM/UIM Coverage

Uninsured or Underinsured Motorist coverage gives you protection from other drivers when they either are underinsured or have no liability coverage at all. Covered claims include injuries to you and your family as well as your vehicle’s damage.

Due to the fact that many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Frequently the UM/UIM limits are identical to your policy’s liability coverage.

Medical costs insurance

Medical payments and Personal Injury Protection insurance kick in for bills like rehabilitation expenses, hospital visits, surgery, ambulance fees and prosthetic devices. They are often used to fill the gap from your health insurance program or if you do not have health coverage. Coverage applies to all vehicle occupants in addition to getting struck while a pedestrian. PIP coverage is only offered in select states but can be used in place of medical payments coverage

Liability car insurance

This coverage will cover injuries or damage you cause to people or other property in an accident. It protects you from claims by other people. Liability doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see 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 a total limit of $100,000 for damage to vehicles and property. Some companies may use a combined limit which provides one coverage limit and claims can be made without the split limit restrictions.

Liability can pay for claims like medical services, funeral expenses, emergency aid, medical expenses and structural damage. How much liability should you purchase? That is a decision to put some thought into, but it’s cheap coverage so purchase as high a limit as you can afford.