1991 Oldsmobile Custom Cruiser Insurance Quotes – 10 Tricks for Best Rates

Looking for better insurance rates for your Oldsmobile Custom Cruiser? Having to pay for overpriced insurance can empty your savings account and make it impossible to make ends meet. Shopping your coverage around is free and is an excellent way to lower your monthly bill. Drivers have so many auto insurance companies to buy insurance from, and even though it’s nice to have a selection, it can be more challenging to compare rates and cut insurance costs.

It’s a good habit to do rate comparisons occasionally since insurance rates tend to go up over time. Just because you had the lowest price on Custom Cruiser insurance six months ago the chances are good that you can find a lower rate today. Starting right now, forget all the misinformation about insurance because I’m going to teach you how to quote online to remove unneeded coverages and save money.

Choosing the best insurance company for you is not rocket science. If you have car insurance now, you should be able to reduce your rates substantially using this strategy. Consumers just need to learn how to compare prices online.

Cut prices on Oldsmobile Custom Cruiser insurance

Companies don’t list every available discount in an easy-to-find place, so here is a list both the well known and the more hidden ways to save on insurance. If they aren’t giving you every credit you qualify for, you are throwing money away.

  • Homeowners Savings – Owning a home can save you money because of the fact that having a home demonstrates responsibility.
  • E-sign – Certain companies may give you up to $50 for buying your policy online.
  • Accident Forgiveness – Some insurance companies will forgive one accident without raising rates if your claims history is clear for a certain period of time.
  • Passive Restraints and Air Bags – Cars that have air bags can receive discounts up to 30%.
  • Safe Drivers – Safe drivers may receive a discount up to 45% less on Custom Cruiser insurance than drivers with accidents.
  • Pay Now and Pay Less – If paying your policy premium upfront instead of monthly or quarterly installments you could save up to 5%.
  • College Student – Youth drivers living away from home attending college and do not have a car can receive lower rates.
  • Life Insurance Discount – Some companies give a break if you buy life insurance from them.
  • Organization Discounts – Being a member of a professional or civic organization is a good way to get lower rates when shopping for insurance on Custom Cruiser insurance.
  • Discount for Good Grades – A discount for being a good student can earn a discount of 20% or more. The discount lasts up until you turn 25.

It’s important to note that some of the credits will not apply to your bottom line cost. The majority will only reduce the cost of specific coverages such as liability, collision or medical payments. Even though it may seem like you can get free auto insurance, it doesn’t quite work that way.

Car insurance companies who might offer these discounts include:

Before buying, ask each insurance company how you can save money. Discounts may not apply in every state.

Tailor your coverage to you

When it comes to choosing proper insurance coverage for your personal vehicles, there isn’t really a “perfect” insurance plan. Every situation is different and a cookie cutter policy won’t apply. For example, these questions might point out if your situation would benefit from an agent’s advice.

  • How do I file an SR-22 for a DUI in my state?
  • Is upholstery damage covered by car insurance?
  • Am I covered if I drive in a foreign country?
  • Am I missing any policy discounts?
  • Is my business laptop covered if it gets stolen from my vehicle?
  • Does my 1991 Oldsmobile Custom Cruiser qualify for pleasure use?
  • How can I find cheaper teen driver insurance?
  • Is borrowed equipment or tools covered if stolen or damaged?
  • Does having multiple vehicles earn me a discount?
  • Do I need added coverage for expensive stereo equipment?

If it’s difficult to answer those questions but you think they might apply to your situation, you might consider talking to an insurance agent. To find an agent in your area, simply complete this short form or go to this page to view a list of companies. It is quick, free and can provide invaluable advice.

Don’t listen to company ads

Consumers get pounded daily by advertisements for the lowest price auto insurance from the likes of Allstate and Progressive. They all seem to have a common claim that you can save if you move your coverage to them.

How do they all claim to save you money? This is how they do it.

Insurance companies have a certain “appetite” for the right customer that is profitable for them. For example, a profitable customer could possibly be a mature driver, has no prior claims, and has excellent credit. Any new insured that hits that “sweet spot” will get very good rates and as a result will probably save when switching.

Drivers who fall outside the “perfect” profile must pay a higher premium and ends up with business going elsewhere. Company advertisements say “people who switch” but not “drivers who get quotes” save that much money. That’s the way companies can truthfully make those claims. This illustrates why you absolutely need to compare as many rates as you can. It’s just too difficult to predict which insurance company will fit your personal profile best.

Coverage specifics

Understanding the coverages of car insurance aids in choosing the right coverages and the correct deductibles and limits. Car insurance terms can be confusing and coverage can change by endorsement. Below you’ll find the normal coverages available from car insurance companies.

Comprehensive car insurance

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

Comprehensive can pay for things like theft, rock chips in glass, damage from getting keyed, damage from flooding and damage from a tornado or hurricane. The highest amount a car insurance company will pay at claim time is the market value of your vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Coverage for medical expenses

Coverage for medical payments and/or PIP kick in for short-term medical expenses for things like EMT expenses, prosthetic devices, pain medications and nursing services. They are used in conjunction with a health insurance program or if you are not covered by health insurance. Medical payments and PIP cover both the driver and occupants and will also cover getting struck while a pedestrian. PIP coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Coverage for uninsured or underinsured drivers

Your UM/UIM coverage provides protection from other drivers when they either have no liability insurance or not enough. It can pay for injuries sustained by your vehicle’s occupants and also any damage incurred to your 1991 Oldsmobile Custom Cruiser.

Because many people carry very low liability coverage limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is very important.

Auto collision coverage

This pays for damage to your Custom Cruiser resulting from colliding with another car or object. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things like driving through your garage door, scraping a guard rail and damaging your car on a curb. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are older. Drivers also have the option to increase the deductible in order to get cheaper collision rates.

Auto liability insurance

Liability insurance can cover damage or injury you incur to other’s property or people in an accident. This insurance protects YOU from claims by other people. It does not cover damage sustained by your vehicle in an accident.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see limits of 25/50/25 which means $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and property damage coverage for $25,000.

Liability insurance covers claims like structural damage, repair costs for stationary objects and loss of income. How much coverage you buy is up to you, but buy as much as you can afford.

Keep this in mind

Cost effective 1991 Oldsmobile Custom Cruiser insurance can be sourced both online and also from your neighborhood agents, so compare prices from both to have the best chance of lowering rates. There are still a few companies who may not provide the ability to get a quote online and usually these smaller companies provide coverage only through local independent agents.

As you go through the steps to switch your coverage, make sure you don’t buy less coverage just to save a little money. In many instances, someone dropped liability limits or collision coverage only to regret at claim time that they should have had better coverage. Your goal should be to get the best coverage possible at the best price.

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