1998 Oldsmobile Silhouette Insurance Rates – 7 Ideas for Cheaper Quotes

Sick and tired of not being able to afford to insure your Oldsmobile every month? You are in the same boat as many other drivers.

Numerous insurance companies battle for your business, so it can be very hard to choose a company and get the best coverage at the best rate

If you have car insurance now, you will most likely be able to save some money using this information. Finding the best rates is quite easy. But consumers must understand the methods companies use to compete online because it can help you find the best coverage.

How to Compare Auto Insurance

There are several ways to get quotes from different insurance companies. The recommended way to compare 1998 Oldsmobile Silhouette insurance prices is simply to get online rate quotes. This can be accomplished in a couple of different ways.

  • One of the best ways to find low rates is to use a rate comparison form (click to open form in new window). This method prevents you from having to do repetitive form entry for each company. One form gets rate comparisons from auto insurance companies with the best prices.
  • A more difficult way to compare rate quotes consists of visiting the website for every company you want to comare to request a price quote. For instance, let’s assume you want to compare Auto-Owners, Liberty Mutual and GMAC. To get each rate you have to spend time on each company’s site to input your insurance information, which is why the first method is more popular. To view a list of companies in your area, click here.
  • The least efficient way to compare rates is driving around to and from local insurance agencies. The internet makes this process obsolete unless you have a need for the trained guidance that only a license agent can provide. However, consumers can get the lowest quotes online but buy from a local insurance agent.

It’s up to you which method you use, but compare exactly the same coverage limits on every quote. If you have mixed coverages it will be very difficult to make a fair comparison for your Oldsmobile Silhouette. Quoting even small variations in limits can make a big difference in price. And when price shopping your coverage, having more price comparisons will enable you to find a better price.

Discounts are basically free money

Insuring your vehicles can cost a lot, but discounts can save money and there are some available to help bring down the price. Some discounts apply automatically at quote time, but less common discounts must be asked about before you get the savings.

  • Organization Discounts – Affiliation with a professional or civic organization could qualify you for a break on car insurance on Silhouette insurance.
  • Government Employees – Employees or retirees of the government could cut as much as 10% off on Silhouette insurance with select insurance companies.
  • Pay Now and Pay Less – If paying your policy premium upfront rather than paying monthly you could save up to 5%.
  • Homeowners Pay Less – Simply owning a home can help you save on car insurance because maintaining a house is proof that your finances are in order.
  • Drive Safe and Save – Safe drivers can get discounts for up to 45% lower rates on Silhouette insurance than their less cautious counterparts.
  • Senior Discount – If you qualify as a senior citizen, you can possibly qualify for better car insurance rates on Silhouette insurance.
  • Anti-theft System – Vehicles equipped with anti-theft or alarm systems prevent vehicle theft and earn discounts up to 10%.

As a disclaimer on discounts, most of the big mark downs will not be given to the overall cost of the policy. Most cut individual premiums such as medical payments or collision. So despite the fact that it appears it’s possible to get free car insurance, it just doesn’t work that way. Any qualifying discounts will cut your overall premium however.

A partial list of companies that may offer these discounts include:

Before buying, ask each company what discounts are available to you. Some discounts may not apply in your state.

Which insurance is the “right” coverage?

When it comes to choosing the right insurance coverage for your vehicles, there isn’t really a “perfect” insurance plan. Everyone’s situation is a little different so your insurance should reflect that These are some specific questions may help highlight if your situation would benefit from an agent’s advice.

  • Is my trailer covered?
  • Am I covered if I crash into my own garage door?
  • Does car insurance cover theft of personal property?
  • Do I have coverage for damage caused while driving under the influence?
  • Does my medical payments coverage pay my health insurance deductible?
  • Is my 1998 Oldsmobile Silhouette covered for flood damage?
  • What if I don’t agree with a claim settlement offer?
  • How much can I save by bundling my policies?

If you’re not sure about those questions but a few of them apply, then you may want to think about talking to a licensed insurance agent. To find lower rates from a local agent, simply complete this short form or you can go here for a list of companies in your area.

Parts of your car insurance policy

Knowing the specifics of car insurance aids in choosing the right coverages at the best deductibles and correct limits. The terms used in a policy can be impossible to understand and reading a policy is terribly boring. Listed below are typical coverages available from car insurance companies.

Uninsured and underinsured coverage

Uninsured or Underinsured Motorist coverage provides protection when other motorists either have no liability insurance or not enough. Covered claims include injuries to you and your family 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. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Usually these limits do not exceed the liability coverage limits.

Comprehensive coverages

Comprehensive insurance coverage will pay to fix damage from a wide range of events other than collision. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims like fire damage, falling objects, rock chips in glass, hitting a bird and hitting a deer. The highest amount you’ll receive from a claim is the market value of your vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Coverage for medical payments

Coverage for medical payments and/or PIP kick in for short-term medical expenses like dental work, hospital visits, pain medications and X-ray expenses. They can be utilized in addition to your health insurance policy or if you are not covered by health insurance. They cover not only the driver but also the vehicle occupants and will also cover getting struck while a pedestrian. PIP coverage is not available in all states and may carry a deductible

Collision insurance

Collision coverage pays for damage to your Silhouette from colliding with another car or object. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers claims such as sustaining damage from a pot hole, driving through your garage door, hitting a parking meter and hitting a mailbox. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from lower value vehicles. You can also raise the deductible in order to get cheaper collision rates.

Auto liability insurance

This will cover injuries or damage you cause to people or other property in an accident. It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have liability limits of 50/100/50 which stand for a limit of $50,000 per injured person, a total of $100,000 of bodily injury coverage per accident, and a total limit of $50,000 for damage to vehicles and property. Another option is one number which is a combined single limit which combines the three limits into one amount with no separate limits for injury or property damage.

Liability insurance covers claims such as court costs, loss of income, medical services and repair bills for other people’s vehicles. How much coverage you buy is a personal decision, but it’s cheap coverage so purchase as large an amount as possible.