1990 Oldsmobile Custom Cruiser Insurance Rates

Price shopping your car insurance can be difficult for consumers not familiar with buying insurance online. You have so many companies to choose from that it can turn into a real challenge to compare prices.

Smart consumers take time to get comparison quotes at least once a year since insurance rates are rarely the same from one policy term to another. Even if you got the lowest rates on Custom Cruiser coverage on your last policy there may be better deals available now. Ignore everything you know about car insurance because I’m going to let you in on the secrets to one of the quickest ways to buy cheaper car insurance.

Do you qualify for a discount?

Car insurance is not cheap, but there are discounts available that you may not even be aware of. Certain discounts will be applied at the time of purchase, but a few must be specially asked for prior to getting the savings.

  • Federal Employees – Employees or retirees of the government can save as much as 8% on Custom Cruiser coverage with a few insurance companies.
  • Student in College – Kids in college who attend school more than 100 miles from home and don’t have a car can be insured at a reduced rate.
  • Senior Discount – Mature drivers may be able to get reduced rates on Custom Cruiser coverage.
  • Seat Belt Usage – Buckling up and requiring all passengers to wear their seat belts can save 10% or more off your medical payments premium.
  • Life Insurance Discount – Select insurance companies reward you with a discount if you purchase life insurance.
  • Auto/Home Discount – If you have multiple policies with one insurance company you will save 10% to 20% off each policy.
  • Multi-car Discount – Insuring more than one vehicle on one policy qualifies for this discount.
  • Club Memberships – Affiliation with a civic or occupational organization may earn a discount when shopping for insurance on Custom Cruiser coverage.
  • Drivers Education – Have your child complete a driver education course if it’s offered in school.
  • Homeowners Pay Less – Simply owning a home may earn you a small savings because owning a home shows financial diligence.

Keep in mind that most discount credits are not given to the overall cost of the policy. Most only reduce the price of certain insurance coverages like liability, collision or medical payments. So even though it sounds like you can get free auto insurance, it doesn’t quite work that way. But all discounts will help reduce your premiums.

Car insurance companies that may offer some of the above discounts include:

Check with each company which discounts you may be entitled to. Some discounts might not be offered in your state.

Oldsmobile Custom Cruiser premiums are determined by many factors

Smart consumers have a good feel for some of the elements that help determine the price you pay for car insurance. Understanding what impacts premium levels empowers consumers to make smart changes that may reward you with big savings.

The following are some of the factors used by your company to calculate rates.

  • High crash test scores lower rates – Safer cars can get you lower premiums. These vehicles have better occupant injury protection and lower injury rates means less money paid by your insurance company and thus lower rates. If the Oldsmobile Custom Cruiser is rated at least an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website you may qualify for a discount.
  • Add-on coverages can add up – There are many add-on coverages that you can get tricked into buying when buying car insurance. Coverages for personal injury protection, accidental death and motor club memberships are examples of these. They may seem good initially, but if you don’t need them eliminate them to save money.
  • Car features impact rates – Choosing a vehicle with anti-theft technology or alarm system can save you a little every year. Theft prevention features such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems can thwart auto theft.
  • How many coverages with the same company – Some companies provide better rates to people who consolidate policies with them such as combining an auto and homeowners policy. Discounts can amount to anywhere from five to ten percent in most cases. Even though this discount sounds good, it’s still a good idea to shop around to ensure the best deal.
  • Do you work long hours in a high stress job? – Occupations like lawyers, business owners and financial analysts have higher average rates in part from job stress and long work hours. Conversely, occupations like farmers, engineers and the unemployed get better rates on Custom Cruiser coverage.
  • Lower deductibles cost more – The deductibles represent how much money you are required to spend before a claim is paid by your company. Physical damage coverage, otherwise known as comp (or other than collision) and collision, is used to repair damage to your car. Some instances where coverage would apply are colliding with a building, damage caused by hail, and windstorm damage. The more money you are required to pay out-of-pocket, the less your car insurance will be on Custom Cruiser coverage.

What coverages do I need?

When it comes to buying adequate coverage for your vehicles, there really is not a “perfect” insurance plan. Everyone’s situation is a little different.

These are some specific questions can help discover if your situation will benefit from professional help.

  • Is my babysitter covered when using my vehicle?
  • Should I buy additional glass protection?
  • How many claims can I have before being cancelled?
  • Are my tools covered if they get stolen from my vehicle?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • Does liability extend to a camper or trailer?
  • Am I covered if I wreck a rental car?
  • Does having multiple vehicles earn me a discount?
  • What discounts do I qualify for?

If you don’t know the answers to these questions, then you may want to think about talking to a licensed insurance agent. If you don’t have a local agent, take a second and complete this form.

Auto insurance coverage specifics

Understanding the coverages of a auto insurance policy aids in choosing the best coverages at the best deductibles and correct limits. The terms used in a policy can be impossible to understand and nobody wants to actually read their policy.

Auto liability

Liability coverage will cover damage that occurs to other’s property or people. This insurance protects YOU against claims from other people, and doesn’t cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see policy limits of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, a total of $100,000 of bodily injury coverage per accident, and a limit of $50,000 paid for damaged property. Another option is one number which is a combined single limit which provides one coverage limit with no separate limits for injury or property damage.

Liability insurance covers things like funeral expenses, legal defense fees and emergency aid. How much coverage you buy is up to you, but consider buying as high a limit as you can afford.

Uninsured/Underinsured Motorist coverage

This protects you and your vehicle when the “other guys” are uninsured or don’t have enough coverage. Covered claims include injuries to you and your family and damage to your Oldsmobile Custom Cruiser.

Since many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Frequently your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Comprehensive coverage

Comprehensive insurance coverage covers damage that is not covered by collision coverage. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things such as damage from a tornado or hurricane, theft, vandalism and hail damage. The maximum amount a auto insurance company will pay at claim time is the actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Coverage for collisions

This pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You have to pay a deductible then your collision coverage will kick in.

Collision insurance covers claims like colliding with a tree, damaging your car on a curb, driving through your garage door, sideswiping another vehicle and rolling your car. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are older. You can also raise the deductible to save money on collision insurance.

Medical payments coverage and PIP

Med pay and PIP coverage reimburse you for short-term medical expenses like surgery, prosthetic devices and X-ray expenses. They can be used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. They cover not only the driver but also the vehicle occupants as well as if you are hit as a while walking down the street. Personal injury protection coverage is not available in all states and may carry a deductible

Coverage on a shoestring budget

As you restructure your insurance plan, it’s a bad idea to reduce coverage to reduce premium. There have been many cases where an accident victim reduced comprehensive coverage or liability limits and discovered at claim time that their decision to reduce coverage ended up costing them more. The aim is to buy a smart amount of coverage at a price you can afford while still protecting your assets.

Consumers switch companies for a number of reasons such as poor customer service, delays in responding to claim requests, high prices and not issuing a premium refund. Regardless of your reason for switching companies, switching companies is not as hard as you think.

We just covered some good ideas how to shop for 1990 Oldsmobile Custom Cruiser insurance online. The most important thing to understand is the more rate quotes you have, the better your chances of lowering your rates. You may even discover the best prices are with some of the lesser-known companies.

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