1991 Oldsmobile Silhouette Insurance Rates – 7 Ways to Save

Nobody I know looks forward to buying insurance, especially knowing they are paying too much.

Consumers have many insurance companies to pick from, and even though it’s nice to have a selection, it can be more challenging to adequately compare rates.

Consumers should take time to take a look at other company’s rates at least once a year because prices are rarely the same from one policy term to another. Despite the fact that you may have had the best price for Silhouette coverage six months ago there may be better deals available now. Starting right now, ignore everything you know about insurance because you’re going to learn the proper way to remove unneeded coverages and save money.

This information will instruct you on how car insurance quotes work and some money-saving tips. If you currently have car insurance, you should be able to lower your premiums substantially using these techniques. But drivers need to have an understanding of how big insurance companies sell insurance online and take advantage of how the system works.

How to Compare Car Insurance Costs

Most companies like Progressive, Geico, Allstate and State Farm give prices on their websites. This process doesn’t take much effort as you just enter the coverage amounts you desire as requested by the quote form. When complete, their system will obtain credit information and your driving record and generates pricing information determined by many factors. Quoting online makes comparing rates easy, but having to visit different websites and complete many quote forms is monotonous and tiresome. But it is imperative to do this in order to get lower prices.

The quickest way to lower your rates makes use of a single form that analyzes rates from several different companies. The form is fast, requires much less work on your part, and makes rate comparisons much more enjoyable and efficient. After your information is entered, it is rated and you can choose your choice of the quote results.

If the quotes result in lower rates, you can simply submit the application and buy the policy. This process only takes a few minutes and you’ll know if lower rates are available.

To find out how much you’re overpaying now, click here and submit the form. If you currently have coverage, we recommend you copy the coverages exactly as shown on your declarations page. This way, you will get an apples-to-apples comparison using the same coverage and limits.

Save with discounts on 1991 Oldsmobile Silhouette insurance

Insuring your vehicles can cost a lot, but you may find discounts to help offset the cost. Certain discounts will be applied at the time of quoting, but some may not be applied and must be asked about before they will apply.

  • No Accidents – Good drivers with no accidents pay less when compared to frequent claim filers.
  • Defensive Driving Course – Successfully completing a course in driver safety could save 5% or more and easily recoup the cost of the course.
  • Sign Online – Some insurance companies give back up to $50 just for signing your application on their website.
  • Drivers Ed for Students – Have your child enroll in driver’s education if it’s offered in school.
  • Save with a New Car – Putting insurance coverage on a new car can save up to 30% due to better safety requirements for new cars.
  • Multiple Policy Discount – If you insure your home and vehicles with the same insurance company you may earn up to 20% off your total premium.
  • Early Switch Discount – A few companies offer discounts for buying a policy before your current expiration date. It’s a savings of about 10%.

Consumers should know that most of the big mark downs will not be given to the entire cost. Some only apply to individual premiums such as comp or med pay. Just because you may think adding up those discounts means a free policy, it just doesn’t work that way. But all discounts will reduce the cost of coverage.

Car insurance companies that possibly offer these benefits may include but are not limited to:

It’s a good idea to ask each insurance company which discounts you may be entitled to. All car insurance discounts may not apply in every state.

Tailor your coverage to you

When it comes to choosing adequate coverage, there isn’t really a perfect coverage plan. Every insured’s situation is different and a cookie cutter policy won’t apply. For instance, these questions can aid in determining whether you would benefit from professional advice.

  • What are the financial responsibility laws in my state?
  • Is my business laptop covered if it gets stolen from my vehicle?
  • Do I need added coverage for expensive stereo equipment?
  • Can I get a multi-policy discount?
  • Should I sign the liability waiver when renting a car?
  • What is an SR-22 filing?
  • What should my uninsured motorist coverage limits be in my state?
  • Are all vehicle passengers covered by medical payments coverage?

If you don’t know the answers to these questions, you may need to chat with an agent. To find an agent in your area, fill out this quick form or click here for a list of insurance coverage companies in your area.

Auto insurance 101

Knowing the specifics of insurance aids in choosing which coverages you need and proper limits and deductibles. Policy terminology can be ambiguous and coverage can change by endorsement. Listed below are typical coverages offered by insurance companies.

Comprehensive coverage – This will pay to fix damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things like a tree branch falling on your vehicle, falling objects and damage from a tornado or hurricane. The maximum amount your insurance company will pay is the market value of your vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Auto liability insurance – This coverage protects you from injuries or damage you cause to other’s property or people in an accident. This insurance protects YOU from claims by other people, and doesn’t cover your injuries or vehicle damage.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have values of 25/50/25 which means $25,000 in coverage for each person’s injuries, $50,000 for the entire accident, and $25,000 of coverage for damaged propery. Another option is one limit called combined single limit (CSL) which combines the three limits into one amount rather than limiting it on a per person basis.

Liability coverage pays for claims such as funeral expenses, repair bills for other people’s vehicles and repair costs for stationary objects. How much coverage you buy is your choice, but it’s cheap coverage so purchase as high a limit as you can afford.

Collision coverage – Collision coverage pays for damage to your Silhouette caused by collision with another car or object. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims like colliding with a tree, crashing into a building and backing into a parked car. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are older. Another option is to increase the deductible in order to get cheaper collision rates.

Medical payments coverage and PIP – Coverage for medical payments and/or PIP kick in for bills such as prosthetic devices, funeral costs, EMT expenses and chiropractic care. They can be used in conjunction with a health insurance policy or if there is no health insurance coverage. It covers you and your occupants and will also cover getting struck while a pedestrian. PIP coverage is only offered in select states and may carry a deductible

Uninsured/Underinsured Motorist coverage – This coverage gives you protection from other motorists when they do not carry enough liability coverage. Covered claims include medical payments for you and your occupants as well as damage to your Oldsmobile Silhouette.

Since a lot of drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. So UM/UIM coverage should not be overlooked. Normally these coverages are set the same as your liablity limits.

Find Good Coverage for Less

When you buy insurance online, never reduce coverage to reduce premium. There are many occasions where an insured dropped comprehensive coverage or liability limits only to find out that the small savings ended up costing them much more. Your goal should be to purchase a proper amount of coverage for the lowest price.

You just learned a lot of tips how to get a better price on 1991 Oldsmobile Silhouette insurance. The key thing to remember is the more companies you get rates for, the better your chances of lowering your rates. You may even discover the lowest priced insurance coverage comes from a smaller regional carrier. These smaller insurers can often provide lower rates in certain areas as compared to the big name companies such as Allstate or State Farm.

Additional insurance coverage information can be found at these links: