1992 Oldsmobile Custom Cruiser Insurance Quotes

If you’re searching for cheaper insurance on the web, do you get overwhelmed by the number of auto insurance choices available to you? You have such a vast assortment of choices available that it can be a real challenge to find the perfect company for you.

Consumers need to get comparison quotes every six months since prices are rarely the same from one policy term to another. Just because you found the best deal on Custom Cruiser insurance six months ago the chances are good that you can find a lower rate quote today. Block out anything you think you know about auto insurance because you’re about to find out one of the best ways to save money, get proper deductibles and limits, all at the lowest rate.

The method we recommend to compare policy rates is to take advantage of the fact most of the bigger providers participate in online systems to give you rate quotes. To begin a comparison, all you need to do is give the companies some data like the type of vehicles you drive, driver details, your job, and how much school you completed. That information gets sent immediately to multiple different insurance companies and they return rate quotes instantly.

To get price quotes for your 1992 Oldsmobile Custom Cruiser now, click here and see if a lower rate is available.

When to get professional advice

When buying adequate coverage for your vehicles, there is no one size fits all plan. Each situation is unique.

These are some specific questions could help you determine if you might need an agent’s assistance.

  • Can I afford to buy a different vehicle if my 1992 Oldsmobile Custom Cruiser is totaled?
  • What is the ISO rating for a 1992 Oldsmobile Custom Cruiser?
  • Am I covered when driving a rental car?
  • Is my cargo covered for damage or theft?
  • Does car insurance cover theft of personal property?
  • What if I owe more than I can insure my car for?
  • Am I covered if I hit a deer?
  • Will filing a claim cost me more?
  • I have health insurance so do I need medical payments coverage?

If you’re not sure about those questions but one or more may apply to you, then you may want to think about talking to an agent. If you want to speak to an agent in your area, fill out this quick form.

Auto insurance coverage breakdown

Having a good grasp of auto insurance aids in choosing the right coverages and proper limits and deductibles. The terms used in a policy can be impossible to understand and even agents have difficulty translating policy wording.

Liability auto insurance – Liability insurance can cover damage that occurs to other’s property or people that is your fault. This insurance protects YOU from claims by other people, and does not provide coverage for your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see limits of 100/300/100 which means $100,000 bodily injury coverage, a total of $300,000 of bodily injury coverage per accident, and a total limit of $100,000 for damage to vehicles and property.

Liability coverage protects against claims such as repair costs for stationary objects, loss of income, emergency aid and attorney fees. The amount of liability coverage you purchase is a decision to put some thought into, but it’s cheap coverage so purchase as high a limit as you can afford.

Protection from uninsured/underinsured drivers – Uninsured or Underinsured Motorist coverage gives you protection when the “other guys” do not carry enough liability coverage. This coverage pays for injuries sustained by your vehicle’s occupants and also any damage incurred to your Oldsmobile Custom Cruiser.

Due to the fact that many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. For this reason, having high UM/UIM coverages is important protection for you and your family.

Comprehensive (Other than Collision) – Comprehensive insurance pays for damage OTHER than collision with another vehicle or object. A deductible will apply then your comprehensive coverage will pay.

Comprehensive insurance covers things such as a tree branch falling on your vehicle, hitting a bird, falling objects and a broken windshield. The maximum payout your auto insurance company will pay is the cash value of the vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Collision coverage – This coverage pays to fix your vehicle from damage from colliding with an object or car. A deductible applies then your collision coverage will kick in.

Collision insurance covers things such as sideswiping another vehicle, colliding with a tree and damaging your car on a curb. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are older. Drivers also have the option to increase the deductible to get cheaper collision coverage.

Medical expense insurance – Med pay and PIP coverage kick in for short-term medical expenses for surgery, rehabilitation expenses, EMT expenses, ambulance fees and dental work. They can be utilized in addition to your health insurance policy or if you lack health insurance entirely. It covers both the driver and occupants and also covers if you are hit as a while walking down the street. Personal Injury Protection is not universally available and gives slightly broader coverage than med pay