1999 Oldsmobile Silhouette Insurance Cost – 9 Savings Tips

Looking for the cheapest insurance rates for your Oldsmobile Silhouette? Are you burned out from paying out the nose to pay insurance each month? Your situation is no different than many other consumers. Many auto insurance companies compete for your insurance dollar, so it’s not easy to compare every company and get the definite best rate

How to get auto insurance rate quotes

Reducing your 1999 Oldsmobile Silhouette insurance rates isn’t really that difficult. Consumers just need to invest a little time comparing price quotes to find the company with the cheapest insurance quotes. Price comparisons can be done using a couple different methods.

The fastest way to get the best comparison quotes would be an industry-wide quote request form click to view form in new window. This quick form prevents you from having to do separate quotes for every prospective company. Filling out one form gets you coverage quotes from multiple companies.

Another way to analyze rates requires a visit to each company’s website to complete a price quote. For example, let’s say you want to see prices from Progressive, Farmers and American Family. To get rate quotes you would need to navigate to each company’s site and repeatedly type in your coverage information, which can get old fast.

To view a list of companies in your area, click here.

The least efficient method of getting rate comparisons is driving around to insurance agencies in your area. Doing it all online eliminates the need for an insurance agent unless you require the personal advice only provided by licensed agents. It is possible to get prices online but buy from a local insurance agent.

Compare rates however you want, just try to keep the same quote information for each comparison quote. If you have different data it will be nearly impossible to determine the lowest rate for your Oldsmobile Silhouette.

Lower rate quotes with these nine discounts

Car insurance can cost a lot, but you may be missing some discounts that can dramatically reduce your bill. Certain reductions will be credited at quote time, but lesser-known reductions have to be requested specifically prior to getting the savings.

  • Save over 55 – Older drivers can possibly qualify for reduced rates for Silhouette coverage.
  • Federal Government Employee – Being employed by or retired from a federal job may reduce rates when you quote insurance for Silhouette coverage depending on your auto insurance provider.
  • Use Seat Belts – Drivers who always wear seat belts and also require passengers to wear their seat belts can save 10% or more on the premium charged for medical payments and/or PIP.
  • Distant Student – Any of your kids who are attending college and leave their car at home may qualify for this discount.
  • Multiple Vehicles – Buying a policy with more than one vehicle on a single policy can reduce the rates for all insured vehicles.
  • Discounts for Good Drivers – Safe drivers could pay up to 40% less for Silhouette coverage compared to accident prone drivers.
  • Theft Deterent System – Cars, trucks, and SUVs that have factory anti-theft systems can help prevent theft and therefore earn up to a 10% discount.
  • Air Bags and Passive Restraints – Vehicles with factory air bags may earn rate discounts of 25 to 30%.
  • Savings for New Vehicles – Insuring a vehicle that is new may earn a small discount due to better safety requirements for newer vehicles.

Drivers should understand that most discounts do not apply to the overall cost of the policy. Most only apply to specific coverage prices like physical damage coverage or medical payments. So despite the fact that it appears all the discounts add up to a free policy, you aren’t that lucky.

Larger auto insurance companies and some of the discounts are shown below.

  • State Farm offers discounts for student away at school, safe vehicle, accident-free, Drive Safe & Save, multiple policy, good driver, and passive restraint.
  • American Family policyholders can earn discounts including multi-vehicle, mySafetyValet, good driver, bundled insurance, and air bags.
  • GEICO discounts include defensive driver, good student, daytime running lights, military active duty, driver training, five-year accident-free, and anti-lock brakes.
  • 21st Century may offer discounts for air bags, teen driver, automatic seat belts, theft prevention, good student, and 55 and older.
  • Progressive has savings for online quote discount, online signing, multi-policy, good student, homeowner, multi-vehicle, and continuous coverage.

When getting a coverage quote, ask each insurance company which discounts can lower your rates. Some credits may not apply in your area.

What is the best insurance coverage?

When choosing proper insurance coverage, there really is not a cookie cutter policy. Everyone’s situation is a little different so your insurance should reflect that Here are some questions about coverages that could help you determine if you could use an agent’s help.

  • Is extra glass coverage worth it?
  • What should my uninsured motorist coverage limits be in my state?
  • Why does it cost so much to insure a teen driver?
  • Do I need replacement cost coverage on my 1999 Oldsmobile Silhouette?
  • Can I rent a car in Mexico?
  • Am I covered when driving on a suspended license?

If you don’t know the answers to these questions but you think they might apply to your situation, then you may want to think about talking to a licensed insurance agent. To find lower rates from a local agent, take a second and complete this form or you can go here for a list of companies in your area. It is quick, free and may give you better protection.

Insurance specifics

Understanding the coverages of a insurance policy aids in choosing the best coverages and the correct deductibles and limits. Policy terminology can be difficult to understand and coverage can change by endorsement. Listed below are typical coverages offered by insurance companies.

Comprehensive insurance

This coverage pays to fix your vehicle from damage from a wide range of events other than collision. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims like a tree branch falling on your vehicle, a broken windshield, theft and falling objects. The maximum payout you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Med pay and Personal Injury Protection (PIP)

Medical payments and Personal Injury Protection insurance provide coverage for bills like doctor visits, hospital visits and nursing services. They are often used to fill the gap from your health insurance program or if you do not have health coverage. It covers you and your occupants as well as any family member struck as a pedestrian. PIP is not available in all states but can be used in place of medical payments coverage

Liability car insurance

This protects you from damages or injuries you inflict on a person or their property that is your fault. Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see policy limits of 100/300/100 that means you have $100,000 in coverage for each person’s injuries, a total of $300,000 of bodily injury coverage per accident, and $100,000 of coverage for damaged propery.

Liability can pay for claims like repair bills for other people’s vehicles, loss of income, pain and suffering and attorney fees. How much liability should you purchase? That is up to you, but you should buy as large an amount as possible.

Collision protection

This covers damage to your Silhouette caused by collision with another car or object. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for things such as colliding with another moving vehicle, backing into a parked car, rolling your car, crashing into a ditch and sustaining damage from a pot hole. Collision is rather expensive coverage, so you might think about dropping it from lower value vehicles. Another option is to choose a higher deductible in order to get cheaper collision rates.

Uninsured/Underinsured Motorist (UM/UIM)

This coverage protects you and your vehicle from other drivers when they either have no liability insurance or not enough. This coverage pays for hospital bills for your injuries and also any damage incurred to your Oldsmobile Silhouette.

Since a lot of drivers only purchase the least amount of liability that is required, their limits can quickly be used up. For this reason, having high UM/UIM coverages is important protection for you and your family.

Have the Midas touch

Cheaper 1999 Oldsmobile Silhouette insurance can be purchased both online and with local insurance agents, and you should be comparing both so you have a total pricing picture. Some insurance providers may not offer the ability to get quotes online and most of the time these smaller providers only sell through independent insurance agencies.

Throughout this article, we presented many tips how you can lower your 1999 Oldsmobile Silhouette insurance rates. The most important thing to understand is the more rate comparisons you have, the better likelihood of getting the cheapest insurance. You may even discover the lowest rates come from an unexpected company. Regional companies may often insure only within specific states and give getter rates than their larger competitors like GEICO and State Farm.

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