Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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Benjamin Carr was a licensed insurance agent in Georgia and has two years’ experience in life, health, property and casualty coverage. He has worked with State Farm and other risk management firms. He is also a strategic writer and editor with a background in branding, marketing, and quality assurance. He has been in military newsrooms — literally on the frontline of journalism.

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Reviewed by Benji Carr
Former Licensed Life Insurance Agent Benji Carr

UPDATED: Oct 12, 2018

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Searching for lower car insurance rates for your Oldsmobile Custom Cruiser? Do you get confused by the crazy number of car insurance providers in your area? Many other drivers are as well. There are so many choices that it can really be a lot of work to locate the lowest car insurance rates.

Compare car insurance rates

All major car insurance companies provide prices for coverage online. This process is quite easy because it’s just a matter of typing in the coverages you want into the quote form. Once you submit the form, the company’s rating system pulls information on your driving record and credit history and returns pricing information based on the data you entered.

Online quotes makes it easy to compare insurance prices but the time required to go to a lot of sites and type in the same data is monotonous and tiresome. But it’s also necessary to perform this step in order to get the lowest possible prices on car insurance.

The preferred way to lower your rates uses just one form that analyzes rates from more than one company. It saves time, helps eliminate reptitive entry, and makes online quotes much more enjoyable. Immediately after submitting the form, it gets priced with multiple companies and you can pick any of the quotes that you receive.

If the quotes result in lower rates, it’s easy to complete the application and buy the new coverage. The entire process takes 15 minutes at the most and you will find out if you’re overpaying now.

To save time and compare rates now, simply click here to open in new window and submit your coverage information. If you have your current policy handy, we recommend you enter the limits and deductibles exactly as shown on your declarations page. This ensures you will have an apples-to-apples comparison based on similar coverages.

Enter your zip code below to view companies that have cheap auto insurance rates.

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Do drivers who switch really save?

Companies like State Farm and Allstate regularly use television, radio, and online ads. All the ads make an identical promise that you’ll save big just by switching your insurance coverage policy to them. How does every insurance coverage company lower your car insurance rates? It’s all in the words they use.

Most companies quote their best rates for the driver that earns them the most money. A good example of a desirable insured might be described as between 30 and 50, insures multiple vehicles, and drives less than 7,500 miles a year. Any person that fits those parameters may get the lowest rates and therefore will save a lot if they switch.

Potential customers who do not meet this stringent profile will probably be forced to pay higher premiums which results in business not being written. The ad wording is “drivers that switch” not “everybody who quotes” can get the lowest rates when switching. That’s why insurance companies can make those statements.

This emphasizes why it is so important to get as many free insurance quotes as possible. It’s just too difficult to predict which insurance coverage company will provide the lowest prices.

Car insurance companies offer money-saving discounts

Some companies don’t necessarily list the entire discount list in a way that’s easy to find, so the next list breaks down some of the best known and the harder-to-find discounts that you can inquire about if you buy insurance online.

  • Defensive Driver Discount – Successfully completing a class that teaches defensive driver techniques could possibly earn you a 5% discount if your company offers it.
  • Multi-policy Discount – If you have multiple policies and insure them both with the same insurance company you could get a discount of up to 20% and get you the cheapest insurance.
  • Mature Driver Discount – Mature drivers are able to get a slight reduction on a insurance quote for Custom Cruiser insurance.
  • Passive Restraints and Air Bags – Factory options such as air bags or motorized seat belts can qualify for discounts as much as 30%.
  • Memberships – Having an affiliation with specific professional or occupational memberships or organizations could qualify you for a break on your next car insurance statement.

As a sidenote, many deductions do not apply to the entire policy premium. Most cut specific coverage prices like liability, collision or medical payments. Despite the appearance that you can get free auto insurance, you aren’t that lucky. But all discounts will bring down your car insurance premiums.

Car insurance companies who might offer these benefits include:

If you need cheap insurance quotes, ask all the companies how many discounts you can get. A few discounts may not apply in your area. To choose insurers offering car insurance discounts, click here to view.

Do I just need basic coverages?

When it comes to buying adequate coverage, there really is no “perfect” insurance plan. Every situation is different.

Here are some questions about coverages that can help discover if your situation may require specific advice.

  • Can I drive in Mexico and have coverage?
  • Do I need replacement cost coverage on my 1990 Oldsmobile Custom Cruiser?
  • How can I find cheaper teen driver insurance?
  • Where can I find DUI or SR-22 insurance?
  • Are my friends covered when driving my car?
  • Do I really need UM/UIM coverage?
  • What happens if I owe more than my 1990 Oldsmobile Custom Cruiser is worth?
  • Do I pay less for low miles?

If you can’t answer these questions but you know they apply to you, you might consider talking to an insurance agent. If you don’t have a local agent, simply complete this short form.

Enter your zip code below to view companies that have cheap auto insurance rates.

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Car insurance coverage information

Having a good grasp of a auto insurance policy can be of help when determining the best coverages at the best deductibles and correct limits. The coverage terms in a policy can be confusing and reading a policy is terribly boring.

Comprehensive or Other Than Collision

Comprehensive insurance coverage pays for damage from a wide range of events other than collision. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims like falling objects, damage from flooding, a broken windshield, damage from getting keyed and a tree branch falling on your vehicle. The highest amount your auto insurance company will pay is the actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Medical costs insurance

Personal Injury Protection (PIP) and medical payments coverage pay for short-term medical expenses for things like chiropractic care, pain medications, surgery and ambulance fees. They can be used to cover expenses not covered by your health insurance program or if you lack health insurance entirely. It covers you and your occupants and will also cover being hit by a car walking across the street. PIP is only offered in select states and may carry a deductible

UM/UIM Coverage

This coverage protects you and your vehicle’s occupants from other motorists when they do not carry enough liability coverage. Covered losses include injuries to you and your family as well as damage to your 1990 Oldsmobile Custom Cruiser.

Because many people have only the minimum liability required by law, their liability coverage can quickly be exhausted. So UM/UIM coverage is a good idea. Most of the time these limits are set the same as your liablity limits.

Collision coverage protection

Collision insurance will pay to fix damage to your Custom Cruiser resulting from a collision with another vehicle or an object, but not an animal. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for things like scraping a guard rail, backing into a parked car, sustaining damage from a pot hole, sideswiping another vehicle and hitting a parking meter. Collision is rather expensive coverage, so consider dropping it from vehicles that are 8 years or older. Another option is to raise the deductible to save money on collision insurance.

Liability coverage

This coverage protects you from injuries or damage you cause to a person or their property. It protects YOU from legal claims by others, and doesn’t cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see policy limits of 50/100/50 which means a $50,000 limit per person for injuries, a per accident bodily injury limit of $100,000, and a total limit of $50,000 for damage to vehicles and property. Another option is a combined limit that pays claims from the same limit without having the split limit caps.

Liability coverage protects against claims like bail bonds, legal defense fees, court costs, medical expenses and repair costs for stationary objects. How much liability coverage do you need? That is your choice, but buy as large an amount as possible.

Pennies from heaven

Lower-priced auto insurance is available online and from local insurance agents, so you should compare both to have the best chance of lowering rates. Some companies do not offer rates over the internet and most of the time these regional carriers prefer to sell through local independent agencies.

When trying to cut insurance costs, never buy poor coverage just to save money. There are too many instances where an accident victim reduced full coverage to discover at claim time that the small savings ended up costing them much more. Your objective should be to purchase a proper amount of coverage at a price you can afford, not the least amount of coverage.

You just learned a lot of information how to shop for 1990 Oldsmobile Custom Cruiser insurance online. The most important thing to understand is the more rate comparisons you have, the better likelihood of getting the cheapest insurance. You may even discover the lowest rates are with the least-expected company.

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