Lower Your 1991 Oldsmobile Silhouette Insurance Rates

I doubt anyone gets a kick out of paying for insurance, especially when they are aware that they are paying too much.

With consumers having so many insurance companies to choose from, it is hard for the average consumer to pick the lowest cost insurance provider.

The best way we recommend to compare car insurance company rates is to realize auto insurance companies pay for the opportunity to give you rate quotes. To get started, all you need to do is give them rating details like if you have an active license, coverage limits, if the car is leased, and how much education you have. That information gets transmitted to multiple top-rated companies and they return cost estimate instantly to find the best rate.

If you would like to compare rates now, click here and complete the form.

Insurance coverage policy discounts

Some insurance providers do not advertise the entire discount list in a way that’s easy to find, so the list below details some of the best known and the more hidden discounts that you can inquire about if you buy insurance online.

Discounts for Seat Belt Usage – Drivers who always wear seat belts and also require passengers to use a seat belt can save 10% or more off PIP or medical payments premium.
Driver Training Discounts – Taking a class that teaches safe driver techniques may get you a small discount depending on where you live.
Drive Less and Save – Low annual miles can qualify you for discounted insurance coveragerates on garaged vehicles.
Service Members Pay Less – Having an actively deployed family member may qualify for rate reductions.
Government Employees – Having worked for a branch of the government can earn a discount up to 10% on Silhouette coverage depending on your insurance coverage provider.
Passive Restraint Discount – Vehicles with factory air bags or automatic seat belts can receive discounts as much as 30%.
Paper-free Discount – A few larger online companies will discount your bill up to fifty bucks for buying your policy online.

Please keep in mind that many deductions do not apply the the whole policy. Most only apply to the cost of specific coverages such as medical payments or collision. Even though it appears adding up those discounts means a free policy, you won’t be that lucky.

Popular insurance coverage companies and a selection of discounts are:

Farmers Insurance may have discounts that include good student, business and professional, mature driver, alternative fuel, and electronic funds transfer.
Esurance offers discounts including multi-policy, online quote, paid-in-full, safety device, multi-car, and defensive driver.
State Farm offers discounts for defensive driving training, passive restraint, multiple policy, Drive Safe & Save, multiple autos, and student away at school.
GEICO has discounts for daytime running lights, good student, federal employee, seat belt use, air bags, and multi-vehicle.
Allstate policyholders can earn discounts including utility vehicle, safe driver, economy car, early signing, resident student, defensive driver, and new car.

If you need the cheapest insurance quotes, ask each company or agent the best way to save money. Some discounts listed above may not be offered everywhere.

How your Silhouette insurance premiums are determined

One of the most helpful ways to save on car insurance is to to have a grasp of the different types of things that come into play when calculating your policy premiums. If you know what influences your rates, this helps enable you to make changes that can help you get lower car insurance prices.

Your gender affects prices – Statistics demonstrate that women are safer drivers than men. It does not mean men are worse drivers. Males and females cause accidents in similar percentages, but the men have costlier accidents. Not only are claims higher, but men get ticketed for serious violations such as DWI and reckless driving.
Optional features impact prices – Buying a car with anti-theft technology or alarm system can get you a discount on your car insurance. Theft deterrent systems such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems can thwart car theft.
Pay more out-of-pocket – Coverage for physical damage, also called ‘full coverage’, insures against damage to your Oldsmobile. Some instances where coverage would apply could be a broken windshield, hitting a deer, and damage from a fallen tree branch. Deductibles for physical damage are how much the insured will be required to pay if the claim is covered. The more expense you are required to pay out-of-pocket, the lower your rates will be on Silhouette coverage.
Car insurance rates and age – Young drivers have been known to be inattentive and easily distracted in a vehicle and because of this, their car insurance rates are much higher. Parents adding a inexperienced driver onto a policy can cause a big jump in price. More mature drivers have been proven to be more responsible, cause fewer claims and accidents and tend to be get fewer driving tickets.
Liability insurance limits are a factor – Your policy’s liability coverage is the protection in the event that you are found liable for causing damage or personal injury in an accident. Your policy’s liability insurance provides you with a defense in court which can cost a lot. Liability is cheap compared to insuring for physical damage coverage, so drivers should carry high limits.
Bad credit hurts insurance rates – Having a bad credit score is a big factor in determining premium rates. Insureds with very high credit ratings tend to file fewer claims than those with lower ratings. If your credit rating can use some improvement, you could potentially save money when insuring your 1991 Oldsmobile Silhouette by improving your rating.
Your employer and car insurance rates – Did you know your occupation can influence how much you pay for car insurance? Occupations such as real estate brokersair traffic controllers and accountants have the highest average rates due to intense work situations and lengthy work days. Conversely, careers like farmers, historians and retirees pay the least on Silhouette coverage.

How do I know if I need professional advice?

When it comes to choosing the best auto insurance coverage, there isn’t really a “perfect” insurance plan. Every situation is different and a cookie cutter policy won’t apply. Here are some questions about coverages that might point out if your insurance needs might need an agent’s assistance.

Do I have coverage if my license is suspended?
How high should deductibles be on a 1991 Oldsmobile Silhouette?
Should I buy more coverage than the required minimum liability coverage?
What is the minimum liability in my state?
Am I covered if I break a side mirror?
What discounts do I qualify for?
What vehicles should carry emergency assistance coverage?
When should I not file a claim?
Is my babysitter covered when using my vehicle?

If you’re not sure about those questions but a few of them apply, you may need to chat with a licensed insurance agent. If you don’t have a local agent, complete this form or you can go here for a list of companies in your area.

Tricks in insurance advertising

State Farm and Allstate endlessly run television and radio advertisements. They all seem to advertise claims about how much you will save just by switching your insurance coverage to their company. But how can every company make almost identical claims? Here is how they do it.

Insurance companies can use profiling for the type of driver that will add to their bottom line. An example of a driver they prefer could be between 30 and 50, has a clean driving record, and has a short commute. A driver who matches that profile will get a cheap rate quote and most likely will save if they switch.

Drivers who may not quite match these standards will be charged a more expensive rate which results in the customer buying from a different company. The trick companies use is to say “people who switch” not “everyone who quotes” save the amount stated. That’s why companies can truthfully make claims like that.

This illustrates why you need to compare as many free insurance quotes as you can. It is just not possible to predict the company that will have the best rates.

Parts of your insurance policy

Having a good grasp of insurance can help you determine the best coverages and the correct deductibles and limits. Insurance terms can be ambiguous and reading a policy is terribly boring. Below you’ll find the normal coverages available from insurance companies.

Medical payments coverage and PIP – Coverage for medical payments and/or PIP provide coverage for bills for things like EMT expenses, pain medications and rehabilitation expenses. The coverages can be used in conjunction with a health insurance plan or if there is no health insurance coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants in addition to any family member struck as a pedestrian. PIP is not available in all states but it provides additional coverages not offered by medical payments coverage

Collision – Collision insurance will pay to fix damage to your Silhouette resulting from a collision with another vehicle or an object, but not an animal. A deductible applies and then insurance will cover the remainder.

Collision coverage protects against things such as sustaining damage from a pot hole, damaging your car on a curb, hitting a parking meter, crashing into a ditch and backing into a parked car. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from lower value vehicles. Drivers also have the option to choose a higher deductible to get cheaper collision coverage.

Auto liability – This coverage can cover damages or injuries you inflict on other’s property or people that is your fault. It protects you from legal claims by others, and doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. As an example, you may have limits of 50/100/50 that translate to a limit of $50,000 per injured person, a limit of $100,000 in injury protection per accident, and property damage coverage for $50,000. Alternatively, you may have one number which is a combined single limit that pays claims from the same limit with no separate limits for injury or property damage.

Liability coverage protects against claims such as repair bills for other people’s vehicles, attorney fees, funeral expenses and court costs. How much liability coverage do you need? That is a personal decision, but buy as much as you can afford.

Uninsured/Underinsured Motorist coverage – This coverage protects you and your vehicle from other drivers when they are uninsured or don’t have enough coverage. Covered claims include hospital bills for your injuries and damage to your 1991 Oldsmobile Silhouette.

Since many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages should not be overlooked. Frequently the UM/UIM limits do not exceed the liability coverage limits.

Comprehensive coverage – This pays for 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 pays for things such as a tree branch falling on your vehicle, vandalism, hitting a bird and falling objects. The maximum payout a insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Don’t break the bank

We just presented many ways to get a better price on 1991 Oldsmobile Silhouette insurance. The key thing to remember is the more quotes you get, the better chance you’ll have of finding cheap insurance. Consumers may even find the biggest savings come from an unexpected company. Some small companies may cover specific market segments cheaper compared to the large companies like Progressive or GEICO.

While you’re price shopping online, do not sacrifice coverage to reduce premiums. There are a lot of situations where an accident victim reduced uninsured motorist or liability limits only to find out they didn’t have enough coverage. Your aim should be to get the best coverage possible at the best possible price.