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Oldsmobile Custom Cruiser Insurance Rates

Buying car insurance through online rate quotes saves time, is easy to do, plus you can save money. The key to finding lower rates is to take the time to get rates from all companies in order to have every option.

Shopping online for car insurance can be difficult if you are a beginner to online quotes. But don't be discouraged because it's actually quite easy. There are several ways to get quotes from car insurance companies in your area. The quickest method to compare Custom Cruiser insurance quotes is to get quotes online. This can be done by comparing rates here.

Rates are impacted by...

Car insurance premiums on a Oldsmobile Custom Cruiser can vary widely and are calculated by many factors. Including but not limited to:

  • Tickets increase premiums
  • Credit rating
  • Where you live
  • The number of annual miles
  • Men typically pay more than women
  • Deductible amount directly impacts your rate
  • Crash test rating for your Custom Cruiser
  • Your occupation
  • The amount of protection requested
  • Home ownership saves money

An additional factor that helps determine Custom Cruiser insurance rates is the year of the vehicle. Older models have a lower value than newer models so the cost to replace them may end up costing you less. But more recent Oldsmobile vehicles may have safety features including lane departure warning system, a telematics system, and adaptive headlights which can lower rates.

To get more specific information about how rates are influenced for your specific model year, select the year of your vehicle from the list below.

Auto liability

This will cover damage or injury you incur to people or other property in an accident. Liability coverage pays for claims like pain and suffering, repair costs for stationary objects, and legal defense fees. It is cheap coverage so you should buy higher limits if possible.

Collision coverage

Collision insurance will pay to fix damage to your Oldsmobile resulting from a collision with a stationary object or other vehicle. You will need to pay your deductible then the remaining damage will be paid by your insurance company. Collision coverage for your Custom Cruiser can be pricey, so analyze the benefit of dropping coverage from older vehicles. You can also raise the deductible to save money on collision insurance.

Comprehensive auto coverage

This coverage pays for damage from a wide range of events other than collision. You first must pay your deductible and then insurance will cover the rest of the damage. The maximum payout your car insurance company will pay is the cash value of the vehicle, so if it's not worth much more than your deductible it's not worth carrying full coverage.

Uninsured Motorist or Underinsured Motorist insurance

Uninsured or Underinsured Motorist coverage protects you and your vehicle's occupants when the "other guys" are uninsured or don't have enough coverage. Since many drivers only carry the minimum required liability limits, it doesn't take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is very important.

Medical payments and PIP coverage

Personal Injury Protection (PIP) and medical payments coverage kick in for immediate expenses such as EMT expenses, pain medications, and nursing services. They are often used in conjunction with a health insurance policy or if there is no health insurance coverage. PIP coverage is only offered in select states and gives slightly broader coverage than med pay.

How Much are Oldsmobile Custom Cruiser Insurance Rates?