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 5, 2015

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Want better auto insurance rates for your Oldsmobile Custom Cruiser? Having to pay for pricey auto insurance can eat up your funds and make it tough to pay other bills. There are many insurance companies to pick from, and although it’s a good thing to be able to choose, it makes it harder to adequately compare rates.

Buying car insurance is quite easy. If you have a current auto insurance policy or are looking for a new policy, you will benefit by learning to find better prices while maximizing coverage. Drivers just need to learn the most effective way to find the lowest price online.

Free insurance price quotes

Cutting your insurance rates is actually quite simple. Consumers just need to take a few minutes comparing rate quotes from different insurance companies. This can be accomplished in just a few minutes using one of these methods.

Probably the best way to compare a lot of rates at once is to use a rate comparison form click to view form in new window. This type of form prevents you from having to do separate forms to each individual insurance company. One form submission gets you price quotes from multiple low-cost companies.

A more time consuming way to analyze rates is to manually visit the website for every company you want to comare to request a price quote. For sake of this example, let’s assume you want rates from Farmers, Progressive and American Family. In order to get each rate, you would have to visit each site to input your insurance information, which explains why we recommend starting with the first method.

To view a list of companies in your area, click here.

Whichever way you use, ensure you’re using equivalent coverage limits and deductibles for each quote you get. If you have different limits and deductibles on each one then you won’t be able to make a fair rate comparison.

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

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Can you really save $391 a year?

Drivers constantly see and hear ads that claim the best rates by companies like State Farm, GEICO and Progressive. All the ads seem to make the promise that you can save if you get a free car insurance quote and switch your auto insurance coverage to their company.

But how can every company charge lower premium rates?

Most companies offer their best rates for the type of driver that is profitable for them. One example of this type of insured could be a female over age 40, is a homeowner, and has a short commute. A customer getting a price quote who meets those qualifications will get very good car insurance rates and as a result will probably save quite a bit of money when switching.

Potential insureds who fall outside those criteria may receive higher rates which results in the customer not buying. The ads state “drivers who switch” but not “everyone who gets a quote” save the amount stated. That’s why insurance companies can make claims that they all have the best car insurance rates. This emphasizes why you should do a rate comparison at every renewal. It is impossible to predict which company will have the lowest rates for your situation.

Decisions you make can impact your insurance prices

Many things are used when you quote your car insurance policy. Some factors are common sense such as your driving history, although some other factors are not quite as obvious such as your marital status and annual miles driven.

Listed below are a few of the things used by companies to determine prices.

  • Eliminate add-on coverages – There are a ton of additional coverages that may not really be needed when buying car insurance. Add-on coverages like roadside assistance, death and dismemberment, and membership fees may not be needed and are just wasting money. They may seem like a good idea when discussing your needs, but if you have no use for them consider taking them off your policy.
  • Reserve claims for larger damages – If you file claims often, you can look forward to increased rates or even have your policy non-renewed. Insurance companies give the best rates to policyholders who do not file claims often. Your car insurance is intended for claims that you cannot pay yourself.
  • Being married can save you money – Walking down the aisle can get you a discount on your policy. Having a significant other demonstrates that you tend to be more stable financially and insurance companies like that being married results in fewer claims.
  • Your age impacts your prices – More mature drivers are more responsible, tend to file fewer claims .Beginning drivers are proven to be less responsible with other occupants in the car so car insurance rates are higher.
  • More stress means more cost – Careers such as military personnel, architects and medical professionals usually pay higher rates than the rest of us because of job stress and lots of time spent away from family. Conversely, jobs such as scientists, students and retirees pay lower than average rates for Custom Cruiser coverage.
  • Do thieves like your car? – Buying a car that has an advanced theft prevention system can save you a little every year. Theft prevention devices like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all aid in stopping car theft and help bring rates down.
  • Low coverage deductibles cost more – Physical damage deductibles represent how much money you are willing to pay out-of-pocket if the claim is covered. Physical damage protection, also called comprehensive and collision insurance, is used to repair damage to your car. A few examples of covered claims are collision with another vehicle, damage from fire, and damage from wind. The more you’re willing to pay, the lower your rates will be for Custom Cruiser coverage.
  • Annual mileage impacts rates – Driving more miles each year the higher your rate. Many insurance companies price each vehicle’s coverage partially by how you use the vehicle. Cars and trucks that have low annual miles qualify for better rates than those that get driven frequently. Having an incorrect usage rating on your Custom Cruiser can cost quite a bit. It’s always a good idea to double check that your vehicle rating correctly shows the correct driver usage.

Do you qualify for discounts?

Companies that sell car insurance don’t necessarily list every policy discount very well, so the following list contains some of the more common and also the lesser-known discounts that may be available.

  • Accident-Free Discounts – Drivers who stay claim-free pay less as compared to policyholders that have many claims.
  • E-sign – A few companies give back up to $50 for buying your policy on the web.
  • Discount for Life Insurance – Larger auto insurance companies have a small discount if you purchase some life insurance too.
  • Use Seat Belts – Drivers who require all vehicle occupants to use their safety belts could cut 10% or more off the PIP or medical payment premium.
  • Onboard Data Collection – Drivers who agree to allow driving data submission to spy on driving habits by using a telematics device in their vehicle like Allstate’s Drivewise could see a rate decrease if they exhibit good driving behavior.
  • Discounts for Government Workers – Simply working for the federal government could cut as much as 10% off for Custom Cruiser coverage depending on your auto insurance provider.
  • Theft Deterent Discount – Vehicles that have factory alarm systems and tracking devices are less likely to be stolen and will save you 10% or more.

Discounts save money, but please remember that most of the big mark downs will not be given the the whole policy. Most only cut the price of certain insurance coverages like liability and collision coverage. So despite the fact that it appears adding up those discounts means a free policy, you aren’t that lucky. Any amount of discount will positively reduce the cost of your policy.

To view auto insurance companies who offer auto insurance discounts, click this link.

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

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Don’t assume everyone needs the same auto insurance coverage

When it comes to buying coverage for your personal vehicles, there is no best way to insure your cars. Everyone’s situation is unique so your insurance should reflect that For example, these questions might help in determining whether you will benefit from professional help.

  • Should I bundle my homeowners policy with my auto?
  • What is no-fault insurance?
  • Should I waive the damage coverage when renting a car?
  • Does my personal policy cover me when driving out-of-state?
  • Why do I only qualify for high-risk insurance?
  • Do all my vehicles need collision coverage?
  • What is UM/UIM insurance?
  • How can I find cheaper teen driver insurance?
  • Is my ex-spouse still covered by my policy?

If you don’t know the answers to these questions, you may need to chat with a licensed insurance agent. If you don’t have a local agent, complete this form or you can go here for a list of companies in your area. It’s fast, doesn’t cost anything and can provide invaluable advice.

Learn about insurance coverages for a 1991 Oldsmobile Custom Cruiser

Knowing the specifics of a insurance policy aids in choosing the best coverages at the best deductibles and correct limits. Policy terminology can be impossible to understand and nobody wants to actually read their policy. Below you’ll find typical coverage types found on the average insurance policy.

UM/UIM (Uninsured/Underinsured Motorist) coverage – Your UM/UIM coverage gives you protection when other motorists either have no liability insurance or not enough. Covered losses include injuries sustained by your vehicle’s occupants as well as damage to your Oldsmobile Custom Cruiser.

Since a lot of drivers have only the minimum liability required by law, their limits can quickly be used up. So UM/UIM coverage is a good idea.

Collision – Collision coverage will pay to fix damage to your Custom Cruiser resulting from a collision with an object or car. You have to pay a deductible and then insurance will cover the remainder.

Collision can pay for claims like hitting a mailbox, crashing into a building and damaging your car on a curb. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Another option is to bump up the deductible to get cheaper collision coverage.

Comprehensive auto coverage – This coverage pays for damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims such as hitting a deer, hitting a bird, falling objects, hail damage and rock chips in glass. The most your insurance company will pay is the ACV or actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Liability coverage – Liability coverage protects you from injuries or damage you cause to a person or their property in an accident. This insurance protects YOU against other people’s claims. Liability doesn’t cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show limits of 100/300/100 which means a $100,000 limit per person for injuries, a limit of $300,000 in injury protection per accident, and $100,000 of coverage for damaged propery.

Liability coverage protects against claims like attorney fees, medical expenses, court costs, funeral expenses and emergency aid. How much coverage you buy is your choice, but consider buying as much as you can afford.

Medical payments and PIP coverage – Personal Injury Protection (PIP) and medical payments coverage pay for immediate expenses like dental work, EMT expenses and X-ray expenses. They are used in conjunction with a health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover not only the driver but also the vehicle occupants and will also cover being hit by a car walking across the street. PIP coverage is not an option in every state and may carry a deductible

Coverage on a shoestring budget

Affordable 1991 Oldsmobile Custom Cruiser insurance can be purchased on the web as well as from insurance agents, and you should compare price quotes from both in order to have the best price selection to choose from. A few companies do not offer the ability to get a quote online and these smaller companies provide coverage only through independent agents.

As you quote car insurance, never sacrifice coverage to reduce premiums. In many cases, someone sacrificed uninsured motorist or liability limits only to regret at claim time that it was a big mistake. Your aim should be to buy a smart amount of coverage for the lowest cost while still protecting your assets.

More tips and info about insurance is available in the articles below: