Cheap Oldsmobile Custom Cruiser Car Insurance Rates in Las Vegas NV

Las Vegas drivers have lots of choices when trying to find affordable Oldsmobile Custom Cruiser insurance. They can either spend hours struggling with agents to compare prices or save time using the internet to make rate comparisons. There are both good and bad ways to shop for car insurance and you need to know the best way to quote coverages for a new or used Oldsmobile and locate the lowest price either online or from Las Vegas insurance agents.

It’s a good idea to get comparison quotes every six months because insurance prices are adjusted regularly by insurance companies. Despite the fact that you may have had the best price on Custom Cruiser insurance last year there is a good chance you can find better rate quotes now. Forget anything you know (or think you know) about car insurance because I’m going to let you in on the secrets to one of the best ways to buy cheaper car insurance.

If you have car insurance now, you will most likely be able to lower your premiums substantially using these tips. The purpose of this post is to help you learn how car insurance quotes work. But Nevada drivers do need to know the methods companies use to price online insurance and take advantage of how the system works.

There are multiple methods to compare car insurance quotes, and some are less time-consuming than others. You can spend countless hours talking about coverages with agents in Las Vegas, or you can stay home and use the web to achieve your goal.

Many of the larger companies are enrolled in a marketplace where insurance shoppers only type in their quote data once, and each participating company then gives them pricing based on that information. This system prevents you from having to do quote forms to each individual car insurance company.

To participate in this free quote system, click here to start a free quote.

The one disadvantage to using this type of form is you cannot specify the insurers you want pricing from. So if you want to choose individual companies for rate comparison, we put together a list of the cheapest car insurance companies in Nevada. View list of Nevada insurance companies.

How you compare quotes is your choice, just do your best to enter apples-to-apples quote information with every price quote. If you have different liability limits it will be next to impossible to get a fair rate comparison in Las Vegas. Slightly different insurance coverages or limits could skew the results. Just keep in mind that comparing more quotes increases your odds of finding more affordable rates.

The largest companies are not always cheapest

Car insurance companies such as Progressive, GEICO, Allstate and State Farm seem to constantly run television, radio, and online ads. They all seem to convey the message that you’ll save big if you get a free and switch to them. That’s great but how can every company save you money? Just pay attention to how they say it.

All the different companies have a certain “appetite” for the driver that will most likely be profitable. One example of a desirable risk could be a married male, has other policies, and does not commute to work. A driver who meets those qualifications receives the best rates and is almost guaranteed to cut their rates if they switch.

People who may not quite match those standards may be forced to pay more expensive rates and ends up with the prospect going elsewhere. The trick companies use is to say “people that switch” not “everyone that quotes” save that much when switching. That’s the way insurance companies can confidently make the claims of big savings. Because each company has a different risk profile, drivers should compare rate quotes every year. It’s not possible to predict the company that will fit your personal profile best. Las Vegas insurance quotes

You Can Change Your Insurance Rates

Multiple criteria are used in the calculation when quoting car insurance. Some are obvious like an MVR report, although others are not quite as obvious like your continuous coverage and annual miles driven. A large part of saving on car insurance is knowing the factors that are used to determine car insurance rates. When you understand what positively or negatively impacts your premiums, this allows you to make educated decisions that can earn you better car insurance rates.

Listed below are some of the major factors that factor into prices.

Costs go up with performance – The performance level of the car, truck or SUV you are insuring makes a significant difference in your rates. The best insurance prices will normally be found when insuring economy passenger vehicles, but your final cost has many other factors. Because the Oldsmobile Custom Cruiser falls in the station wagon class, insuring your vehicle will cost similar in price or lower as compared to the average rate in Las Vegas.
Your occupation can affect premiums – Did you know that where you work can have an impact on rates? Careers such as judges, architects and stock brokers tend to have higher premium rates attributed to stressful work requirements and long work days. On the other hand, careers like farmers, athletes and homemakers get better rates on Custom Cruiser insurance.
Car plus home equals more savings – Most car insurance companies will give discounts to clients who carry more than one policy such as combining an auto and homeowners policy. The discount can be ten percent or more. Even if you already get this discount, it’s still a good idea to get quotes from other companies to guarantee you are still saving the most.
Gaps in coverage mean higher rates – Allowing your coverage to lapse will be a fast way to increase your car insurance rates. Not only will rates go up, the inability to provide proof of insurance may result in a hefty fine and possibly a revoked license. You may need to provide proof of insurance in the form of an SR-22 filing with the Nevada DMV.
Do thieves like your car? – Buying a car that has an advanced theft prevention system can help lower your premiums. Advanced theft deterrents such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems can thwart auto theft.
Gender and auto insurance rates – Statistics show that men are more aggressive behind the wheel. The data does not necessarily mean that women are better drivers. Both genders cause auto accidents at about the same rate, but the men tend to have higher claims. Men also get higher numbers of serious violations like DWI (DUI) or reckless driving.

Do you qualify for discount car insurance?

Some companies don’t list every discount they offer in an easy-to-find place, so the following is a list of a few of the more common and also the more inconspicuous discounts that may be available.

Early Renewal Discounts – Select larger companies give a discount for buying a new policy prior to your current policy expiring. You can save around 10% with this discount.
Claim Free – Good drivers with no accidents pay less when compared to frequent claim filers.
Payment Discounts – If you can afford to pay the entire bill instead of paying each month you may reduce your total bill.
Passive Restraints and Air Bags – Options like air bags could see savings of up to 25% or more.
Savings for New Vehicles – Adding a new car to your policy may earn a small discount since newer models have better safety ratings.
First Accident Forgiveness – This one is not really a discount per se, but a few companies such as Allstate, State Farm and GEICO may permit one accident before raising your premiums as long as you don’t have any claims for a specific time period.

As is typical with insurance, some of the credits will not apply to your bottom line cost. Some only reduce the cost of specific coverages such as liability, collision or medical payments. If you do the math and it seems like you could get a free car insurance policy, companies don’t profit that way. Any amount of discount should help lower your overall bill.

For a list of companies who offer car insurance discounts in Las Vegas, click here.

Local Las Vegas insurance agents

Many drivers still prefer to buy from a licensed agent and that is not a bad decision The best thing about comparing rate quotes online is you may find cheap car insurance quotes but also keep your business local.

After filling out this form (opens in new window), your insurance coverage information gets sent to local insurance agents in Las Vegas who will give you quotes for your insurance coverage. There is no reason to contact an agency as quotes are delivered directly to you. You can find the lowest rates without a big time investment. If you need to get a rate quote from a specific insurance company, feel free to find their quoting web page and submit a quote form there.

Choosing the best insurer needs to be determined by more than just the price. Here are some questions you should ask.

Will you work with the agent or an assistant?
How many years have they been established?
Do they have designations such as AIC, CPCU, or CIC?
By raising physical damage deductibles, how much would you save?
Is every driver in your family covered?
Will they take your side in the event of a claim?
Do you qualify for any additional discounts?
Can you choose the body shop in case repairs are needed?

Two types of auto insurance agents

If you need to find a reputable insurance agent or broker, it’s important to understand the types of agencies from which to choose. Car insurance policy providers are classified as either captive or independent agents depending on their company appointments.

Captive Agents

These type of agents can only quote rates from one company like State Farm, Allstate and AAA. Captive agents are unable to shop your coverage around so if the price isn’t competitive there isn’t much they can do. Captive agencies are well schooled in insurance sales which helps them sell on service rather than price. Consumers sometimes buy insurance from these agents mostly because of the prominent brand name and solid financial strength.

Independent Agents (or Brokers)

Agents that choose to be independent do not write with just one company so they can insure your vehicles with lots of companies and get you the best rates possible. If your agent finds better pricing, your policy is moved internally which requires no work on your part. If you need lower rates, it’s recommended you get quotes from several independent agencies for the best price selection. They often place coverage with companies you’ve never heard of who may have lower rates.

Smart consumers save more

When shopping online for car insurance, it’s not a good idea to skimp on critical coverages to save a buck or two. There have been many cases where an accident victim reduced collision coverage only to find out that the savings was not a smart move. Your objective should be to purchase plenty of coverage at an affordable rate, not the least amount of coverage.

You just read quite a bit of information on how to get a better price on Oldsmobile Custom Cruiser insurance. The key concept to understand is the more rate quotes you have, the better your chances of lowering your prices. You may even discover the best price on car insurance is with some of the lesser-known companies.

Drivers who switch companies do it for any number of reasons including high rates after DUI convictions, delays in responding to claim requests, delays in paying claims or even an unsatisfactory settlement offer. No matter why you want to switch, finding a great new company can be pretty painless.

Additional detailed information is available at the Nevada Division of Insurance website. Visitors are able to learn about insurance regulations, learn about specific coverages, and find disaster information.