Oldsmobile Custom Cruiser Insurance – 6 Discounts You May be Forgetting

Sick and tired of being strong-armed to pay car insurance each month? You’re in the same situation as many other drivers. There is such a variety of auto insurance companies to insure vehicles with, and even though it’s nice to be able to choose, it makes it harder to find the lowest cost provider.

Performing a rate comparison can be a lot of work if you don’t utilize the best way to get rate quotes. You could spend the better part of a day driving to insurance companies in your area, or you can utilize online quotes to get pricing more quickly.

Most of the larger companies belong to an insurance system where prospective buyers enter their coverage request one time, and every company returns a rated price. This prevents consumers from doing repetitive form submissions to each company.

To compare rates using this form now click here (opens in new window).

The only downside to using this type of form is you can’t choose which companies you will receive quotes from. So if you want to select specific providers for rate comparison, we put together a list of the cheapest car insurance companies in your area. Click here to view list.

You can choose any of those ways to find more affodable coverage, but double check that you are using equivalent coverage limits and deductibles with each company. If you have different coverage information it will be impossible to determine the best price for your Oldsmobile Custom Cruiser. Just a small difference in coverages can make a big difference in price. Just keep in mind that quoting more increases the change that you will find a better price. Some insurance companies are not set up to provide price estimates online, so you need to compare price estimates from those companies as well.

Discount car insurance rates

Companies offering auto insurance don’t always advertise the complete list of policy discounts in an easy-to-find place, so here is a list some of the more common and the harder-to-find discounts that you may qualify for.

• Passenger Safety Discount – Vehicles equipped with air bags can qualify for discounts of up to 25% or more.
• Student Discount for Driver Training – Cut your cost by having your teen driver complete a driver education course as it can save substantially.
• Low Mileage – Low mileage vehicles could be rewarded with cheaper prices.
• Discount for Home Ownership – Simply owning a home can save you money because maintaining a house is proof of financial responsibility.
• Discount for Multiple Policies – If you can bundle your homeowners and auto insurance with one company you could earn a discount of nearly 15% which can help you find .
• Safe Driver Discounts – Drivers without accidents may receive a discount up to 45% on Custom Cruiser coverage than drivers with accident claims.

Keep in mind that some of the credits will not apply to your bottom line cost. Most only reduce the cost of specific coverages such as collision or personal injury protection. Despite the appearance that it’s possible to get free car insurance, insurance companies wouldn’t stay in business.

A few companies that may include these benefits are:

• 21st Century
• Progressive
• State Farm
• Nationwide
• Esurance
• The Hartford

Before you buy a policy, ask each company which discounts they offer. All car insurance discounts may not apply to policyholders in your area. To find car insurance companies with the best discounts, click this link.

Tailor your car insurance coverage to you

When buying the best car insurance coverage for your personal vehicles, there is no “best” method to buy coverage. Every insured’s situation is different and a cookie cutter policy won’t apply. For example, these questions may help you determine if your situation could use an agent’s help.

• How can I get high-risk coverage after a DUI?
• Does coverage extend to a rental car in a foreign country?
• Should I drop comprehensive coverage on older vehicles?
• Why does it cost so much to insure a teen driver?
• Does my policy cover my teen driver if they drive my company car?
• Does my personal auto insurance policy cover using my vehicle for business use?
• Does my car insurance cover rental cars?

If it’s difficult to answer those questions, you may need to chat with 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.

Switch companies and save? Really?

Car insurance providers like Allstate, GEICO and Progressive continually stream television, radio, and online ads. They all seem to convey the message of big savings just by moving your car insurance policy to them. But how can every company have lower policy pricing? This is the way they can do it.<img class="alignright" style="padding-top:15px" src="http://www.quoteclickinsure.com/blog/wp-content/uploads/ci175-46.jpg" alt=" insurance quotes” />

Many companies have specific characteristics for the right customer that will generate a profit. A good example of a preferred risk may be over the age of 40, has never had a policy lapse, and drives a lower-performance vehicle. Any driver who matches those parameters will qualify for the lowest premium rates and will also save some money.

Insureds who don’t meet the “perfect” profile will be quoted a more expensive rate which usually ends up with business not being written. Company advertisements say “people who switch” but not “everyone who gets a quote” save that much money. That’s why insurance companies can confidently make those claims.

Different companies use different criteria so you absolutely need to compare as many as you can. It’s not possible to predict which insurance companies will have the best premium rates for your profile.

Car insurance coverages for an Oldsmobile Custom Cruiser

Knowing the specifics of your car insurance policy can help you determine appropriate coverage and the correct deductibles and limits. The coverage terms in a policy can be difficult to understand and reading a policy is terribly boring. These are typical coverage types offered by car insurance companies.

Med pay and Personal Injury Protection (PIP)

Coverage for medical payments and/or PIP reimburse you for short-term medical expenses for things like dental work, doctor visits, prosthetic devices and X-ray expenses. They are often utilized in addition to your health insurance program or if you lack health insurance entirely. It covers all vehicle occupants in addition to getting struck while a pedestrian. PIP is not universally available but it provides additional coverages not offered by medical payments coverage

Collision coverage protection

This coverage pays for damage to your Custom Cruiser caused by collision with another car or object. A deductible applies and then insurance will cover the remainder.

Collision can pay for claims such as colliding with a tree, hitting a mailbox and damaging your car on a curb. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are 8 years or older. Another option is to bump up the deductible to save money on collision insurance.

Uninsured/Underinsured Motorist (UM/UIM)

This coverage protects you and your vehicle when other motorists either are underinsured or have no liability coverage at all. This coverage pays for injuries to you and your family and also any damage incurred to your Oldsmobile Custom Cruiser.

Since a lot of drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is a good idea. Normally these coverages are similar to your liability insurance amounts.

Comprehensive insurance

Comprehensive insurance coverage pays to fix your vehicle from 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 coverage pays for claims such as theft, a broken windshield, vandalism and damage from flooding. The maximum payout your car insurance company will pay is the ACV or actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Liability coverages

Liability insurance protects you from damages or injuries you inflict on other’s property or people in an accident. Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You commonly see liability limits of 25/50/25 that means you have $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and $25,000 of coverage for damaged propery. Some companies may use a combined single limit or CSL that pays claims from the same limit rather than limiting it on a per person basis.

Liability can pay for things such as funeral expenses, medical services and legal defense fees. How much coverage you buy is a decision to put some thought into, but consider buying as large an amount as possible.

One last thing about your coverage

You just learned some good ideas how to shop for Oldsmobile Custom Cruiser insurance online. The most important thing to understand is the more rate comparisons you have, the more likely it is that you will get a better rate. You may be surprised to find that the most savings is with a smaller regional carrier. Regional companies may often insure only within specific states and give getter rates than the large multi-state companies such as Allstate, GEICO and Progressive.

More affordable car insurance can be sourced on the web and from local agencies, and you should compare rates from both so you have a total pricing picture. Some companies don’t offer online rate quotes and usually these smaller providers provide coverage only through local independent agents.