Lower Your 1997 Oldsmobile Silhouette Insurance Quotes

Finding the cheapest insurance for your Oldsmobile Silhouette can turn out to be a painful process, but you can learn a few tricks to save time.

There are more efficient ways to buy insurance coverage and we’ll show you the absolute fastest way to price shop coverage for a new or used Oldsmobile and find the lowest price from both online companies and local agents.

Consumers should take time to do rate comparisons before your next renewal because prices are constantly changing. Just because you found the lowest rates on Silhouette coverage a couple years back you will most likely find a better rate quote today. Ignore everything you know about insurance coverage because we’re going to demonstrate the right way to buy cheaper insurance coverage.

If you have insurance now or are shopping for new coverage, you can use these techniques to get lower rates while maintaining coverages. Finding the lowest cost protection is quite easy. Drivers just need to understand the best way to compare price quotes online.

How to buy auto insurance online

Most larger insurance companies provide prices for coverage on their websites. Comparing prices online is easy for anyone because you just enter your personal and coverage information into the form. After the form is submitted, their system sends out for reports for credit and driving violations and returns a price.

This makes comparing rates easy, but the work required to visit several different sites and type in the same information is a big time waster. But it’s very important to perform this step in order to find lower prices.

There is an easier way!

A quicker way to compare auto insurance pricing uses just one form that analyzes rates from a lot of companies. This type of form saves time, reduces the work, and makes comparison shopping much more enjoyable and efficient. As soon as the form is sent, it gets priced and you are able to buy any of the returned quotes.

If one or more price quotes are lower than your current rates, it’s easy to complete the application and purchase the new policy. It only takes a few minutes and may save quite a bit of money.

To quickly use this form to compare rates, click here to open in new window and fill out the form. To compare your current rates, we recommend you enter the limits and deductibles exactly as they are listed on your policy. Using the same limits helps guarantee you will receive a rate comparison using the exact same coverages.

These discounts can lower your insurance coverage rates

Car insurance is not cheap, but you might find some hidden discounts that you may not even be aware of. Some discounts apply automatically when you get a quote, but some may not be applied and must be requested specifically prior to getting the savings.

Defensive Driver Discounts – Taking part in a defensive driving course can save you 5% or more if you qualify.
Full Payment Discount – If you can afford to pay the entire bill instead of monthly or quarterly installments you could save 5% or more.
Save over 55 – Drivers over the age of 55 may receive better insurance coverage rates on Silhouette coverage.
Passive Restraint Discount – Vehicles equipped with air bags could see savings as much as 30%.
Government Employee Discount – Employees or retirees of the government can earn a discount up to 10% on Silhouette coverage with select insurance companies.

A little disclaimer on discounts, most of the big mark downs will not be given to the entire cost. A few only apply to the price of certain insurance coverages like physical damage coverage or medical payments. Even though it appears adding up those discounts means a free policy, it’s just not the way it works.

Companies and some of their more popular discounts include:

GEICO offers discounts for federal employee, anti-lock brakes, good student, defensive driver, and multi-vehicle.
MetLife may include discounts for good driver, good student, claim-free, defensive driver, and multi-policy.
State Farm policyholders can earn discounts including multiple policy, multiple autos, anti-theft, Steer Clear safe driver discount, and good driver.
Progressive may have discounts that include multi-policy, good student, continuous coverage, homeowner, online signing, online quote discount, and multi-vehicle.
Mercury Insurance has savings for ease of repair, low natural disaster claims, age of vehicle, anti-theft, and type of vehicle.
21st Century offers discounts including defensive driver, anti-lock brakes, automatic seat belts, homeowners, and 55 and older.
Allstate offers premium reductions for EZ pay plan discount, premier discount, 55 and retired, defensive driver, resident student, teenSMART discount, and multi-policy.

Before purchasing a policy, check with all companies you are considering which discounts they offer. Savings may not apply to policyholders in your area. To choose insurance coverage companies that can offer you the previously mentioned discounts, click here to view.

Different people need different car insurance coverages

When buying proper insurance coverage for your vehicles, there isn’t really a single plan that fits everyone. Every insured’s situation is different.

These are some specific questions may help highlight whether you will benefit from professional help.

Why do I need rental car insurance?
Is borrowed equipment or tools covered if stolen or damaged?
Which companies will insure high-risk drivers?
Is business equipment covered while in my vehicle?
What happens if I owe more than my 1997 Oldsmobile Silhouette is worth?
What vehicles should carry emergency assistance coverage?
Am I covered when using my vehicle for business?
Should I bundle my homeowners policy with my auto?
Is my cargo covered for damage or theft?

If it’s difficult to answer those questions but a few of them apply, you might consider talking to a licensed insurance agent. If you don’t have a local agent, fill out this quick form. It’s fast, free and you can get the answers you need.

Detailed coverages of your car insurance policy

Understanding the coverages of car insurance aids in choosing appropriate coverage for your vehicles. Policy terminology can be ambiguous and nobody wants to actually read their policy.

Coverage for medical expenses

Personal Injury Protection (PIP) and medical payments coverage pay for bills such as prosthetic devices, doctor visits and pain medications. They can be used to fill the gap from your health insurance program or if there is no health insurance coverage. It covers not only the driver but also the vehicle occupants and also covers getting struck while a pedestrian. Personal injury protection coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Comprehensive car insurance

Comprehensive insurance coverage covers damage that is not covered by collision coverage. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive can pay for claims such as hitting a bird, damage from a tornado or hurricane and damage from getting keyed. The most you can receive from a comprehensive claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Auto collision coverage

Collision insurance will pay to fix damage to your Silhouette resulting from a collision with another car or object. You have to pay a deductible then your collision coverage will kick in.

Collision insurance covers claims such as crashing into a ditch, colliding with a tree, sustaining damage from a pot hole and backing into a parked car. This coverage can be expensive, so you might think about dropping it from vehicles that are 8 years or older. You can also raise the deductible to save money on collision insurance.

Coverage for uninsured or underinsured drivers

This coverage provides protection from other motorists when they either have no liability insurance or not enough. This coverage pays for medical payments for you and your occupants and also any damage incurred to your Oldsmobile Silhouette.

Since many drivers carry very low liability coverage limits, their limits can quickly be used up. So UM/UIM coverage is very important. Most of the time your uninsured/underinsured motorist coverages are set the same as your liablity limits.

Auto liability

This will cover damage or injury you incur to other’s property or people that is your fault. It protects you from legal claims by others, and doesn’t cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have liability limits of 25/50/25 that translate to $25,000 bodily injury coverage, a limit of $50,000 in injury protection per accident, and $25,000 of coverage for damaged propery. Some companies may use a combined limit which provides one coverage limit with no separate limits for injury or property damage.

Liability insurance covers claims such as emergency aid, pain and suffering and legal defense fees. The amount of liability coverage you purchase is up to you, but you should buy as much as you can afford.