1998 Oldsmobile Silhouette Insurance Cost – 5 Tips to Save

Looking for lower auto insurance rates for your Oldsmobile Silhouette? Frustrated by the wide range of auto insurance companies that you can choose from? Lot’s of other drivers are too. You have so many companies to choose from that it is hard work to find better rates.

Locating the lowest cost protection is simple if you know the tricks. Just about anyone who has to buy auto insurance most likely will be able to reduce their rates. Nevertheless, consumers do need to know the way insurance companies determine prices and apply this information to your search.

Auto insurance policy discounts you can’t miss

Some insurance providers don’t always advertise every policy discount very well, so the list below contains some of the more common and also the lesser-known credits available to lower your premiums when you buy auto insurance online.

  • Professional Organizations – Being a member of a qualifying organization could qualify you for a break on your bill.
  • Defensive Driver – Taking part in a course that instructs on driving safety could cut 5% off your bill and easily recoup the cost of the course.
  • Military Discounts – Being on active deployment in the military could be rewarded with lower auto insurance rates.
  • Senior Citizen Discount – Older drivers may qualify for better auto insurance rates for Silhouette insurance.
  • Driving Data Discount – Drivers that enable their company to track vehicle usage by using a small device installed in their vehicle such as State Farm’s In-Drive might see lower rates if they are good drivers.

Consumers should know that most of the big mark downs will not be given to your bottom line cost. Some only apply to specific coverage prices like liability and collision coverage. Even though it may seem like it’s possible to get free car insurance, insurance companies wouldn’t stay in business.

A few companies that have some of the above discounts include:

When getting a coverage quote, ask every prospective company what discounts are available to you. Some discounts might not be available to policyholders everywhere. For a list of insurance companies who offer free auto insurance quotes, click here.

How to find cheap auto insurance

When comparison shopping, there are several ways of comparing rate quotes from auto insurance companies in your area. The best method to compare rates is to get quotes online. This can be done in several different ways.

  1. The easiest and least time consuming way to get the best comparison quotes would be an industry-wide quote request form (click to open form in new window). This type of form eliminates the need for repetitive form entry for each company. One quote request gets you price quotes from multiple low-cost companies. This is by far the quickest method.
  2. A more time consuming way to analyze rates requires a visit to the website for each individual company to complete their respective quote request forms. For instance, let’s say you are doing a rate comparison from Nationwide, State Farm and Travelers. In order to compare rates, you need to navigate to each company’s site and punch in your information repeatedly, which can get rather old. To view a list of companies in your area, click here.
  3. The most difficult way to shop rates is physically going to each insurance agency near you. Comparing online rate quotes eliminates the need for an insurance agent unless your situation requires the peace of mind only provided by licensed agents. You can, however, compare online quotes but buy from a local insurance agent.

It doesn’t matter which method you choose, just make sure you compare exactly the same information for every company. If you have unequal deductibles or liability limits it will be nearly impossible to determine which rate is truly the best. Even a minor difference in insurance coverages could skew the results. And when price shopping your coverage, comparing a wide range of rates provides better odds of finding the best offered rates. Some regional insurers cannot provide price estimates online, so you also need to get quotes from the smaller companies as well.

Insurance agents can help

When choosing the right insurance coverage for your vehicles, there isn’t really a “perfect” insurance plan. Everyone’s situation is unique.

These are some specific questions can help discover whether or not you would benefit from professional advice.

  • Is my ex-spouse still covered by my policy?
  • What is roadside assistance coverage?
  • Am I getting all the discounts available?
  • Is my teen driver covered when they drive my company car?
  • What is no-fault insurance?
  • Does my 1998 Oldsmobile Silhouette need full coverage?
  • Am I covered when driving a rental car?

If it’s difficult to answer those questions but you think they might apply to your situation, you might consider talking to a licensed agent. To find lower rates from a local agent, fill out this quick form.

Car insurance 101

Having a good grasp of a insurance policy aids in choosing the best coverages at the best deductibles and correct limits. Insurance terms can be confusing and coverage can change by endorsement.

Coverage for collisions

Collision insurance pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for claims like damaging your car on a curb, hitting a parking meter and crashing into a ditch. Paying for collision coverage can be pricey, so consider dropping it from older vehicles. You can also increase the deductible to bring the cost down.

Medical expense coverage

Medical payments and Personal Injury Protection insurance kick in for expenses such as EMT expenses, surgery and hospital visits. They can be used to fill the gap from your health insurance plan or if there is no health insurance coverage. Coverage applies to 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 available in all states but can be used in place of medical payments coverage

Uninsured or underinsured coverage

Uninsured or Underinsured Motorist coverage provides protection from other motorists when they are uninsured or don’t have enough coverage. Covered losses include hospital bills for your injuries and damage to your Oldsmobile Silhouette.

Due to the fact that many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is very important. Frequently your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Auto liability

Liability insurance provides protection from damage or injury you incur to people or other property by causing an accident. Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. As an example, you may have liability limits of 25/50/25 which means a $25,000 limit per person for injuries, a per accident bodily injury limit of $50,000, and a limit of $25,000 paid for damaged property. Some companies may use one number which is a combined single limit that pays claims from the same limit without having the split limit caps.

Liability coverage protects against things like structural damage, medical expenses, court costs, attorney fees and medical services. How much coverage you buy is a personal decision, but it’s cheap coverage so purchase higher limits if possible.

Comprehensive protection

This coverage covers damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against things like falling objects, damage from a tornado or hurricane, a broken windshield and damage from getting keyed. The most your insurance company will pay is the ACV or actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Feed the piggy bank

Insureds leave their current company for a number of reasons such as denial of a claim, high prices, delays in paying claims or poor customer service. It doesn’t matter what your reason, choosing a new insurance company can be easy and end up saving you some money.

You just read some good ideas how you can compare 1998 Oldsmobile Silhouette insurance prices online. The most important thing to understand is the more quotes you get, the better your comparison will be. Consumers could even find that the most savings is with a small local company.

When getting auto insurance quotes online, it’s very important that you do not buy lower coverage limits just to save a few bucks. Too many times, an insured dropped full coverage and learned later that the small savings ended up costing them much more. The goal is to buy enough coverage at the best possible price and still be able to protect your assets.

Additional information