View 1994 Oldsmobile Silhouette Car Insurance Rates

Locating better insurance prices for an Oldsmobile Silhouette can normally be a painful process, but you can learn a few tricks to make it easier.

There are both good and bad ways to find insurance online so you’re going to learn the quickest way to get price quotes for a new or used Oldsmobile and obtain the lowest possible price either online or from local insurance agents.

Consumers need to do rate comparisons once or twice a year because prices are usually higher with each renewal. If you had the best rates for Silhouette coverage a year ago you will most likely find a better rate today. So forget all the misinformation about insurance because we’re going to show you the only way to lower your annual insurance bill.

How to Get Cheap Auto Insurance

All the larger auto insurance companies like State Farm, GEICO and Progressive allow you to get coverage price quotes online. Getting online quotes is quite easy as you simply enter your coverage preferences into a form. Once you submit the form, their rating system will order your driving and credit reports and provides a quote based on these and other factors.

Online price quotes helps simplify price comparisons, but the process of having to visit different websites and enter the same data into a form can be a bit repetitive. But it’s absolutely necessary to compare as many rates as possible in order to get the best price on auto insurance.

The easy way to compare rates

A more efficient way to lower your auto insurance bill uses one simple form to obtain quotes from several different companies. This type of form saves time, helps eliminate reptitive entry, and makes online price comparison a little more enjoyable. As soon as the form is sent, it is rated and you can choose your choice of the price quotes you receive.

If you find a better price you can simply submit the application and buy the policy. The whole process can be completed in a matter of minutes and may save quite a bit of money.

To find out how much you’re overpaying now, click here and complete the simple form. If you have coverage now, it’s recommended that you enter the coverages as close as possible to your current policy. This makes sure you will receive a fair comparison for exact coverage.

Do drivers who switch really save $465 a year?

Consumers get pounded daily by advertisements that promise big savings from the likes of State Farm, GEICO and Progressive. All the companies make an identical promise that you’ll save big if you move your coverage to them.

How can each company make the same claim? It’s all in the numbers.

All companies are able to cherry pick for the type of driver that earns them a profit. A good example of a desirable insured might be profiled as between the ages of 30 and 50, insures multiple vehicles, and chooses high deductibles. A propective insured who matches those parameters will qualify for the lowest rates and therefore will save when switching.

Consumers who don’t qualify for the “perfect” profile must pay higher rates and this can result in business not being written. The ads say “drivers who switch” not “everybody who quotes” save money. That is how insurance companies can confidently advertise the way they do.

This illustrates why drivers must compare many company’s rates. It is impossible to predict which company will provide you with the cheapest Oldsmobile Silhouette insurance rates.

Do you qualify for a discount?

The price of auto insurance can be rather high, but companies offer discounts that you may not know about. Certain discounts will be applied when you quote, but lesser-known reductions have to be specially asked for before you will receive the discount. If you aren’t receiving every discount possible, you’re just leaving money on the table.

  • Homeowners Pay Less – Being a homeowner can help you save on insurance coverage because maintaining a house shows financial diligence.
  • New Vehicle Savings – Buying coverage on a new vehicle is cheaper compared to insuring an older model.
  • Seat Belt Usage – Requiring all passengers to use their safety belts can save 10% or more off the personal injury premium cost.
  • Memberships – Participating in certain professional organizations may earn a discount on insurance coverage for Silhouette coverage.
  • Sign Online – A handful of insurance companies will give a small break for buying a policy and signing up online.
  • Service Members Pay Less – Being deployed with a military unit may qualify for rate reductions.

It’s important to note that some of the credits will not apply to the entire policy premium. A few only apply to the price of certain insurance coverages like collision or personal injury protection. So even though it sounds like having all the discounts means you get insurance for free, insurance coverage companies aren’t that generous. Any qualifying discounts will cut the amount you have to pay.

Car insurance companies that may offer these discounts include:

It’s a good idea to ask each company which discounts they offer. Savings might not be offered everywhere.

What coverages do I need?

When it comes to choosing the best insurance coverage coverage for your personal vehicles, there really is not a best way to insure your cars. Everyone’s needs are different.

For example, these questions could help you determine if you would benefit from professional advice.

  • What is the rate difference between pleasure use and commuting?
  • Should I rate my 1994 Oldsmobile Silhouette as pleasure use or commute?
  • Should I waive the damage coverage when renting a car?
  • What is no-fault insurance?
  • Should I get collision insurance on every vehicle?
  • Do I have coverage if my license is suspended?

If you’re not sure about those questions then you might want to talk to an agent. To find an agent in your area, take a second and complete this form. It’s fast, free and you can get the answers you need.

The coverage is in the details

Having a good grasp of a car insurance policy helps when choosing the best coverages for your vehicles. The terms used in a policy can be confusing and reading a policy is terribly boring.

Collision coverage

Collision coverage covers damage to your Silhouette caused by collision with an object or car. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for things such as hitting a mailbox, crashing into a ditch, colliding with another moving vehicle and rolling your car. This coverage can be expensive, so consider dropping it from vehicles that are older. It’s also possible to choose a higher deductible to bring the cost down.

Medical costs insurance

Coverage for medical payments and/or PIP kick in for short-term medical expenses for things like EMT expenses, pain medications, ambulance fees, hospital visits and chiropractic care. The coverages can be used in conjunction with a health insurance program or if you do not have health coverage. Medical payments and PIP cover you and your occupants as well as getting struck while a pedestrian. PIP coverage is not available in all states but can be used in place of medical payments coverage


This coverage can cover injuries or damage you cause to a person or their property in an accident. This coverage protects you against claims from other people, and does not provide coverage for damage sustained by your vehicle in an accident.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see values of 50/100/50 which stand for a $50,000 limit per person for injuries, a per accident bodily injury limit of $100,000, and $50,000 of coverage for damaged propery. Occasionally you may see a combined limit which combines the three limits into one amount with no separate limits for injury or property damage.

Liability can pay for claims such as bail bonds, structural damage and legal defense fees. How much liability should you purchase? That is up to you, but buy higher limits if possible.

Comprehensive or Other Than Collision

This coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims like vandalism, fire damage, rock chips in glass, falling objects and theft. The most you can receive from a comprehensive claim is the actual cash value, so if the vehicle’s value is low consider dropping full coverage.

UM/UIM Coverage

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

Since many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage should not be overlooked. Frequently your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

And the best car insurance company is…

Throughout this article, we presented a lot of information how to get a better price on 1994 Oldsmobile Silhouette insurance. The key thing to remember is the more rate quotes you have, the better your chances of lowering your rates. Drivers may discover the lowest rates come from some of the lesser-known companies.

Drivers switch companies for a variety of reasons including being labeled a high risk driver, an unsatisfactory settlement offer, high prices or even not issuing a premium refund. No matter why you want to switch, choosing a new company is actually quite simple.

Discount insurance is possible on the web as well as from independent agents, so compare prices from both in order to have the best chance of saving money. Some insurance companies don’t offer online price quotes and these small, regional companies work with independent agents.

For more information, feel free to browse the resources below: