Purchasing the lowest cost insurance coverage over the internet is somewhat difficult for consumers not familiar with comparison shopping online. Because there are so many insurers available, how can you have a chance to compare every one to find the best price?
The are a couple different ways of comparing rate quotes from auto insurance companies in your area. The best method to find the lowest 1992 Oldsmobile Custom Cruiser rates is to get quotes online. This can be done in just a few minutes using one of these methods.
The most efficient way to find low rates would be an industry-wide quote request form click to view form in new window. This method saves time by eliminating separate quotation requests for each company you want a rate for. Taking the time to complete one form will return price quotes from all major companies. It’s the fastest way to compare.
Another way to find lower rates requires you to visit each company’s website and request a quote. For sake of this example, let’s say you want to compare Farmers, State Farm and Allstate. You would have to visit each site and enter your policy data, and that’s why the first method is more popular.
For a list of links to insurance companies in your area, click here.
The most time-consuming way to compare rates is to spend your day driving to and from local insurance agencies. The ability to buy insurance online can eliminate the need for a local agent unless you prefer the trained guidance only provided by licensed agents. Drivers can find lower rates online and still use a local agent.
Whichever method you choose, compare exactly the same coverages for every company. If the quotes have mixed coverages it’s impossible to determine the best price for your Oldsmobile Custom Cruiser. Just a small difference in coverage limits can make a big difference in price. And when quoting auto insurance, remember that quoting more gives you a better chance of getting a lower rate.
When buying proper insurance coverage for your vehicles, there is no single plan that fits everyone. Your needs are not the same as everyone else’s.
These are some specific questions may help highlight whether your personal situation will benefit from professional help.
If you don’t know the answers to these questions but a few of them apply, you may need to chat with a licensed agent. If you want to speak to an agent in your area, fill out this quick form.
Learning about specific coverages of car insurance can help you determine which coverages you need for your vehicles. Car insurance terms can be impossible to understand and coverage can change by endorsement.
Your UM/UIM coverage gives you protection when the “other guys” do not carry enough liability coverage. This coverage pays for injuries to you and your family as well as damage to your Oldsmobile Custom Cruiser.
Since many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.
This coverage provides protection from damages or injuries you inflict on people or other property in an accident. This coverage protects you from claims by other people, and doesn’t cover your injuries or vehicle damage.
It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see values of 25/50/25 that translate to $25,000 in coverage for each person’s injuries, a limit of $50,000 in injury protection per accident, and $25,000 of coverage for damaged propery.
Liability insurance covers things such as repair bills for other people’s vehicles, emergency aid and bail bonds. How much liability should you purchase? That is your choice, but buy as high a limit as you can afford.
Collision coverage covers 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 insurance covers claims like damaging your car on a curb, crashing into a building, scraping a guard rail, hitting a mailbox and backing into a parked car. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are 8 years or older. You can also raise the deductible to bring the cost down.
This will pay to fix damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive coverage protects against claims such as damage from getting keyed, a broken windshield, damage from flooding and hitting a deer. The maximum payout you’ll receive from a claim is the actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.
Med pay and PIP coverage provide coverage for bills for things like EMT expenses, dental work, pain medications, nursing services and surgery. The coverages can be used in conjunction with a health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover all vehicle occupants and will also cover if you are hit as a while walking down the street. PIP is only offered in select states but can be used in place of medical payments coverage