Have you finally had enough of scraping nickels together each month for car insurance? You are no different than many other consumers. Lots of car insurance companies contend for your business, and because of this it can be hard to compare insurers to get the lowest cost out there.
Getting a cheaper price on 2004 Oldsmobile Silhouette insurance doesn’t have to be difficult. All you need to do is take time comparing rates to see which company has cheaper auto insurance quotes. This can be done in several different ways.
For a list of links to companies insuring cars in your area, click here.
It’s your choice how you get your quotes, but be sure you’re using equivalent information for every company. If you have differing limits you will not be able to decipher which rate is best.
When it comes to choosing the right insurance coverage, there isn’t really a best way to insure your cars. Coverage needs to be tailored to your specific needs and your policy should reflect that. Here are some questions about coverages that might point out whether or not you might need professional guidance.
If you’re not sure about those questions but a few of them apply then you might want to talk to an agent. If you want to speak to an agent in your area, take a second and complete this form or click here for a list of car insurance companies in your area. It is quick, free and may give you better protection.
Learning about specific coverages of a insurance policy helps when choosing which coverages you need for your vehicles. Insurance terms can be confusing and even agents have difficulty translating policy wording. Below you’ll find the usual coverages found on most insurance policies.
Medical payments and PIP coverage – Personal Injury Protection (PIP) and medical payments coverage provide coverage for bills for things like dental work, prosthetic devices, hospital visits, X-ray expenses and rehabilitation expenses. They can be utilized in addition to your health insurance program or if there is no health insurance coverage. Medical payments and PIP cover all vehicle occupants and also covers any family member struck as a pedestrian. PIP is not an option in every state and gives slightly broader coverage than med pay
Liability car insurance – This protects you from damages or injuries you inflict on a person or their property. This coverage protects you against other people’s claims, and doesn’t cover your own vehicle damage or injuries.
It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see liability limits of 25/50/25 which means a limit of $25,000 per injured person, a per accident bodily injury limit of $50,000, and a limit of $25,000 paid for damaged property.
Liability can pay for things such as medical expenses, structural damage and loss of income. The amount of liability coverage you purchase is a decision to put some thought into, but it’s cheap coverage so purchase as much as you can afford.
Collision – Collision insurance will pay to fix damage to your Silhouette resulting from colliding with a stationary object or other vehicle. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.
Collision insurance covers things like hitting a mailbox, colliding with another moving vehicle and driving through your garage door. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are 8 years or older. It’s also possible to bump up the deductible to get cheaper collision coverage.
Comprehensive auto coverage – This coverage will pay to fix damage OTHER than collision with another vehicle or object. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.
Comprehensive coverage pays for things like damage from a tornado or hurricane, hitting a deer, falling objects, fire damage and hitting a bird. The maximum amount you’ll receive from a claim is the ACV or actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.
UM/UIM (Uninsured/Underinsured Motorist) coverage – Your UM/UIM coverage gives you protection from other motorists when they either have no liability insurance or not enough. It can pay for hospital bills for your injuries and also any damage incurred to your 2004 Oldsmobile Silhouette.
Due to the fact that many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.