1990 Oldsmobile Silhouette Insurance Quotes

Are you a victim of an underperforming, overpriced car insurance policy? Trust us, there are many consumers feeling the pinch from expensive car insurance. You have multiple car insurance companies to buy insurance from, and although it’s nice to have a selection, too many choices makes it more difficult to compare rates.

It’s important to compare rates at least once a year because insurance rates trend upward over time. Just because you found the lowest price on Silhouette insurance on your last policy a different company probably has better rates today. Forget anything you know (or think you know) about car insurance because we’re going to demonstrate the quickest way to reduce your cost while improving coverage.

Finding the lowest cost car insurance is quite easy. If you are insured now or are looking for a new policy, you can follow these tips to cut your premiums while maximizing coverage. Drivers only need to know the best way to get comparison quotes on the web.

Are you getting all your discounts?

The cost of insuring your cars can be expensive, but companies offer discounts to help bring down the price. Some discounts apply automatically when you purchase, but a few need to be asked for before they will apply. If you aren’t receiving every discount you qualify for, you’re paying more than you need to.

  • Good Students Pay Less – Getting good grades can save 20 to 25%. Earning this discount can benefit you until age 25.
  • Employee of Federal Government – Active or retired federal employment could cut as much as 10% off on Silhouette insurance with select insurance companies.
  • Braking Control Discount – Vehicles with anti-lock braking systems are safer to drive and qualify for as much as a 10% discount.
  • Multi-car Discount – Having more than one vehicle on the same car insurance policy may reduce the rate for each vehicle.
  • 55 and Retired – Older drivers may be able to get better car insurance rates on Silhouette insurance.
  • Passive Restraints and Air Bags – Vehicles equipped with air bags and/or automatic seat belt systems may earn rate discounts of up to 25% or more.
  • Lower Rates for Military – Being deployed with a military unit may qualify for rate reductions.
  • Defensive Driving Course – Taking part in a defensive driving course could cut 5% off your bill if your company offers it.

As a disclaimer on discounts, many deductions do not apply to all coverage premiums. Most only cut individual premiums such as collision or personal injury protection. Even though it may seem like you could get a free car insurance policy, it just doesn’t work that way. Any amount of discount will reduce your overall premium however.

Insurance companies that may offer these money-saving discounts include:

Before buying, ask every prospective company which discounts you may be entitled to. All car insurance discounts might not apply in your state.

Your Oldsmobile Silhouette insurance rate is a complex equation

An important part of buying insurance is that you know the rating factors that go into determining insurance coverage rates. When you know what positively or negatively determines base rates empowers consumers to make smart changes that can help you get big savings.

  • Claim-free discounts can add up – Companies provide discounts to drivers who are claim-free. If you are a frequent claim filer, you can expect either a policy non-renewal or much higher rates. Insurance coverage is intended to be relied upon for the large, substantial claims.
  • How credit affects insurance coverage rates – Credit history is a huge factor in determining what you pay for insurance coverage. Therefore, if your credit score is not that good, you could be paying less to insure your 1990 Oldsmobile Silhouette by spending a little time repairing your credit. People with high credit ratings tend to be more responsible than drivers with lower credit scores.
  • Safer cars are cheaper to insure – Vehicles with good safety scores tend to have better insurance rates. These vehicles protect occupants better and better occupant protection translates into fewer and smaller insurance claims and lower rates for you. If your Oldsmobile Silhouette earned at least four stars on Safercar.gov it is probably cheaper to insure.
  • Your stress level may be raising your rates – Careers like real estate brokers, architects and stock brokers tend to have the highest rates in part from high stress levels and long work days. On the other hand, jobs such as farmers, students and retirees receive lower rates on Silhouette insurance.
  • Big city or small town – Choosing to live in less populated areas has it’s advantages when buying insurance coverage. Drivers in populated areas have to deal with congested traffic and longer commutes to work. Less people living in that area translates into fewer accidents and a lower car theft rate.
  • Do you need those extra coverages? – There are a lot of extra bells and whistles that you can buy on your Silhouette policy. Insurance for roadside assistance, towing coverage and membership fees are examples of these. These coverages may sound good at first, but your needs may have changed so eliminate the coverages to reduce your premium.
  • Liability coverage is peace of mind – The liability section of your policy is the protection if a court rules you are at fault for causing damage or personal injury in an accident. It will provide legal defense starting from day one. Carrying liability coverage is mandatory and cheap compared to insuring for physical damage coverage, so do not skimp.

When might I need an agent?

When buying the right insurance coverage, there really is not a single plan that fits everyone. Everyone’s needs are different and your policy should reflect that. Here are some questions about coverages that may help highlight whether you may require specific advice.

  • How high should deductibles be on a 1990 Oldsmobile Silhouette?
  • Should I buy full coverage?
  • Does coverage extend to Mexico or Canada?
  • How much can I save by bundling my policies?
  • Should I have combined single limit or split liability limits?
  • Does coverage extend to my business vehicle?
  • How much liability do I need to cover my assets?
  • Do I need medical payments coverage since I have good health insurance?

If you don’t know the answers to these questions but you know they apply to you, you may need to chat with an agent. If you don’t have a local agent, take a second and complete this form or click here for a list of insurance coverage companies in your area. It’s fast, doesn’t cost anything and can provide invaluable advice.

The fine print in insurance coverage ads

Drivers can’t get away from ads for cheaper car insurance from companies such as Progressive, Allstate and GEICO. They all say the same thing of big savings if you switch your policy.

How can each company say the same thing? This is how they do it.

All companies are able to cherry pick for the driver that makes them money. An example of a preferred risk might be profiled as between 30 and 50, a clean driving record, and has excellent credit. A customer getting a price quote that hits that “sweet spot” gets the lowest rates and is almost guaranteed to save quite a bit of money when switching.

Potential insureds who don’t meet this ideal profile will be charged more money which leads to business not being written. The ads say “drivers who switch” but not “drivers who get quotes” save that much money. That’s why insurance companies can confidently advertise the way they do.

That is why it’s extremely important to get quotes from several different companies. It’s impossible to know which insurance coverage company will provide you with the cheapest Oldsmobile Silhouette insurance rates.

Insurance policy coverages for an Oldsmobile Silhouette

Having a good grasp of your insurance policy can be of help when determining which coverages you need for your vehicles. The coverage terms in a policy can be difficult to understand and coverage can change by endorsement. Below you’ll find typical coverage types available from insurance companies.

Liability insurance – Liability insurance provides protection from injuries or damage you cause to people or other property by causing an accident. This insurance protects YOU from legal claims by others. It does not cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. Your policy might show limits of 25/50/25 that means you have $25,000 bodily injury coverage, a limit of $50,000 in injury protection per accident, and property damage coverage for $25,000. Another option is a combined single limit or CSL which combines the three limits into one amount without having the split limit caps.

Liability can pay for claims such as emergency aid, medical expenses and medical services. How much coverage you buy is a decision to put some thought into, but you should buy as much as you can afford.

Protection from uninsured/underinsured drivers – Uninsured or Underinsured Motorist coverage gives you protection from other drivers when they either are underinsured or have no liability coverage at all. Covered losses include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Because many people only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is important protection for you and your family. Usually these coverages are identical to your policy’s liability coverage.

Comprehensive (Other than Collision) – This coverage covers damage OTHER than collision with another vehicle or object. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims like theft, damage from a tornado or hurricane, vandalism and falling objects. The maximum payout you’ll receive from a claim is the market value of your vehicle, so if the vehicle’s value is low consider dropping full coverage.

Medical expense insurance – Med pay and PIP coverage provide coverage for short-term medical expenses for things like doctor visits, dental work and prosthetic devices. They are used to fill the gap from your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover you and your occupants and will also cover if you are hit as a while walking down the street. PIP is not available in all states but it provides additional coverages not offered by medical payments coverage

Collision – This covers damage to your Silhouette caused by collision with an object or car. A deductible applies then the remaining damage will be paid by your insurance company.

Collision insurance covers things such as backing into a parked car, crashing into a building and colliding with another moving vehicle. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. You can also increase the deductible in order to get cheaper collision rates.

Shop smart and save

Cheap 1990 Oldsmobile Silhouette insurance is available both online in addition to many insurance agents, and you need to price shop both to have the best selection. A few companies do not provide online quoting and many times these smaller companies only sell through independent insurance agents.

When buying insurance coverage, never reduce needed coverages to save money. Too many times, consumers will sacrifice liability limits or collision coverage and found out when filing a claim that saving that couple of dollars actually costed them tens of thousands. Your aim should be to get the best coverage possible at a price you can afford while still protecting your assets.

More detailed insurance coverage information is available at these sites: